This policy covers services to consumers and payments online for all Websites that form the Network of Karen Louise and The Karen Louise Brand.

This policy forms part of the regulation of the business relationship between you (the Consumer) and us (The Karen Louise Brand). When you buy from any of the websites that form the network of The Karen Louise Brand, you agree to be bound by this policy.

No person under the age of 18 years may purchase Services. If you are under 18, please ask an adult for help with your purchase.

Your payments with The Karen Louise Brand are secure! We collect payment information through Kartra, which is securely transmitted directly to Stripe or PayPal without it passing through our servers. Using the Kartra checkout portal assures your information is being secured using the highest industry standards.

To access Kartra’s security and privacy policy visit - https://home.kartra.com/gdpr

Email: support@thekarenlouise.com

Definitions

In this policy:

• “Card” means any Visa, Mastercard, Discover or American Express credit card details or debit card details provided to The Karen Louise Brand by a Consumer in order to pay for any Services.   
• “Consumer” means any natural person who, in connection with this agreement, is acting for purposes which are outside his business;
• “Content” means any material in any form published on Our Website by us or any third party with our consent.
• “Installment” means an installment required in relation to a Payment Plan.
• “Material” means content of any sort posted by you on Our Website
• “Our Website” means the entire computing hardware and software installation that is or supports this Website or any other Website that forms The Karen Louise Brand including associated social media pages.
• “Payment Plans” means payment for the Services made by monthly (or other periodic) installments.
• “Services” means any of the services and products or programs we offer for sale on our Website and include generally available updates and support services so far as specified for each service.

Price, payment and service provision

1. It is possible that the price may have increased from that posted on our Website. If that happens, we will not provide the Services until you have confirmed that you wish to order at the new price.

2. All services are billed in USD.

3. You agree to pay the charge/s for the Services, from the bank account or credit card information for which you have or will have supplied to us.

4. Upon selecting the Service, Consumers will be directed to a sales or payment page whereby payment details are provided. Once completed, Consumers will receive a payment confirmation through their nominated email account. Upon checking out the Consumer will be required to check a box stating they agree to the payment policy and terms and conditions of The Karen Louise Brand.

5. Payment Plans are available and are billed in advance according to the relevant payment due dates. You authorize us to arrange the withdrawal of funds on this card at each payment due date (or afterward if the payment is past its due date) without further reference to you.  Other payment can be made through various other payment portals at your request.

6. If you have purchased a Service that is on a scheduled Payment Plan, you agree that you are obligated to pay the Payment Plan off in full according to the schedule listed on the order form/order confirmation.

7. For all payments, you must ensure there are sufficient funds available through the use of your nominated Card or account to allow the payment to be charged when it is due. You agree to notify us promptly in writing if the nominated Card or account specified in any Plan that forms a part of this agreement or any other card you nominate to us as a means of making payment is cancelled, suspended, due to expire or otherwise ceases to be a means by which we may collect payments while payments remain owing. In this case, you must immediately nominate another card or pay the outstanding balance of installments and all other monies payable under this agreement.​

8. Payments may not be postponed. Please assure that you have money in your account on the day your payment is set to draft to avoid incurring additional fees. We may postpone payments at our discretion for extenuating circumstances. If you have extenuating circumstances you must email support@thekarenlouise.com at least 72 hours prior to your payment being drafted with your request.

9. Any non-cleared payment attempt may incur a late payment fee per payment attempt. Please be advised that payments attempt again automatically by our billing system and will attempt 4 times total before your payment plan is cancelled. Contact support@thekarenlouise.com ASAP if you have any payment issue.

10. Any payment plan that is cancelled and needs to be reinstated may incur an additional fee for reinstatement.

11. Any payment plan that needs to be changed will not incur a fee.

12. In the event that you default on the payment of any installment under a Payment Plan, we will attempt to once again debit any monies owing from your Card as soon as reasonably practicable and make contact with you via your nominated email regarding the outstanding monies.

13. In the event that an extended payment plan is offered to you as a way to cure default on a payment plan or to accommodate extenuating financial circumstances interest may be charged at a rate of 17%.

14. In addition to paragraph 7 above, in the event that you default on any Installment under a Payment Plan we may restrict, deny or remove access to your services whilst any overdue amounts remain outstanding.

15. You agree to indemnify The Karen Louise Brand and its officers, agents and employees in respect of any claim, action, damage, loss, liability, cost, charge, expense, outgoing or payment (including legal expenses (on a full indemnity basis)) arising from or relating to breach by you of these terms or any applicable law or regulation in connection with the purchase or payment plan of this product.

16. Our Services may be provided by email / made available for you to download / in the way we have explained in our Website or online through social media platforms.

17. You may not share or allow others to use the Services in your name.

PLEASE NOTE:

We do not offer refunds. If at any time you decide to cancel your subscription and/or payments, you will lose access to your program within 24 hours. This paragraph does not affect your rights in the event that you have a genuine and valid complaint about the way we have provided the Services to you. These complaints will be assessed individually on a case by case basis.

All payments are non-refundable and should you not be able to participate or choose not to participate in the program or offering that you purchased you will NOT receive a reimbursement for any payments received.​ Extenuating circumstances will be personally reviewed by Karen Louise, and may qualify for a refund or partial refund.

If it is determined by us that you have violated or breached any of the terms of our Confidential Information and Intellectual Property Rights agreement, located in our Terms and Conditions, your access to all programs you have purchased from us will immediately be revoked. You will not receive a refund for any payments that have been made and we will prosecute to the full extent of the law. 

You agree that any violation on your part of our Confidential Information and Intellectual Property Rights agreement forfeits any and all claims to monies paid to us. This includes refunds and credit card chargebacks.

Execution of your payment plan is a contract to pay all payments on the plan. Plans may not be cancelled even if you chose not to participate in the service.