Welcome, and thank you for your interest in The Back Office Collective, a membership and online community operated by Kat Waugh LLC (“Community Owner,” “Company,” “We,” “Us,” or “Our”). These Terms of Service govern Your membership and use of Our community, membership content, resources, live sessions, and recordings (collectively, the “Community”). These Terms are a legally binding agreement between You and Community Owner.

PLEASE READ THE FOLLOWING TERMS CAREFULLY.

BY ACCEPTING THESE TERMS, EITHER BY CLICKING "I ACCEPT," OR BY OTHERWISE ACCESSING OR USING THE COMMUNITY, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION TO YOUR USE OF AND ACCESS TO THE COMMUNITY, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS, INCLUDING COMMUNITY OWNER'S PRIVACY POLICY (COLLECTIVELY, THESE "TERMS") EITHER (A) ON BEHALF OF YOURSELF AS AN INDIVIDUAL, OR (B) IF YOU ARE ACCESSING THE COMMUNITY ON BEHALF OF AN ENTITY, ORGANIZATION, OR COMMUNITY OWNER, ON BEHALF OF SUCH ENTITY, ORGANIZATION OR COMMUNITY OWNER FOR WHICH YOU ACT, AND YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY, ORGANIZATION OR COMMUNITY OWNER TO THIS AGREEMENT. IF YOU ARE NOT ELIGIBLE, OR DO NOT AGREE TO THE TERMS, THEN YOU DO NOT HAVE OUR PERMISSION TO USE THE COMMUNITY. YOUR USE OF THE COMMUNITY, AND COMMUNITY OWNER'S PROVISION OF THE COMMUNITY TO YOU, CONSTITUTES AN AGREEMENT BY COMMUNITY OWNER AND BY YOU TO BE BOUND BY THESE TERMS.

ARBITRATION NOTICE. Except for certain kinds of disputes described in Section 15 (Dispute Resolution and Arbitration), you agree that disputes arising under these Terms will be resolved by binding, individual arbitration, and BY ACCEPTING THESE TERMS, YOU AND COMMUNITY OWNER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING.

1. Eligibility. You must be at least 18 years old to join the Community or have the consent of a parent or legal guardian. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 18 years old or you are at least 13 years old and have obtained verifiable consent from a parent or legal guardian to join the Community; (b) you have not previously been suspended or removed from the Community; and (c) your registration and your use of the Community is in compliance with any and all applicable laws and regulations.

2. Accounts and Registration. To access the Community, You must have a member account and provide accurate, complete, and current registration information. You are responsible for maintaining the security of Your account, email account, passwords, sign-in codes, and access links, as applicable. Your membership is for Your individual use and may not be shared with another person. You must promptly notify Us at [email protected] if You suspect unauthorized access to Your account.

3. LICENSES

3.1. Limited License. Subject to Your compliance with these Terms and any applicable payment obligations, We grant You a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Community for Your own learning and internal business purposes during Your authorized membership period. You may apply the knowledge and methods You learn to Your own business. You may not share Your account, resell membership access, or reproduce, distribute, sublicense, or commercially exploit Our membership content, recordings, templates, or resources, except as expressly permitted by a separate license accompanying a particular resource.

3.2. License Restrictions. Except and solely to the extent such a restriction is impermissible under applicable law, you may not: (a) reproduce, distribute, publicly display, publicly perform, or create derivative works of the software powering the Community; (b) make modifications to the software powering the Community; or (c) interfere with or circumvent any feature of the Community, including any security or access control mechanism. If you are prohibited under applicable law from using the Community, then you may not use it.

3.3. Feedback. We respect and appreciate the thoughts and comments from our users. If you choose to provide input and suggestions regarding existing functionalities, problems with or proposed modifications or improvements to the Community ("Submissions"), then you hereby grant Community Owner and its Service Provider (defined in Section 16.1 below) an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right and license to exploit the Submissions in any manner and for any purpose, including to improve the Community and create other products and services. We will have no obligation to provide you with attribution for any Submissions you provide to us.

4. Ownership; Proprietary Rights. The Community is managed by Community Owner using a platform made available by Service Provider. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Community provided by Community Owner or Service Provider ("Materials") are protected by intellectual property and other laws. All Materials included in the Community are the property of Community Owner or its third-party licensors (including Service Provider). Except as expressly authorized by Community Owner, you may not make use of the Materials. There are no implied licenses in these Terms and Community Owner and Service Provider reserve all rights to the Materials not granted expressly in these Terms.

5. THIRD-PARTY TERMS

5.1. Third-Party Services. Community Owner may provide tools through the Community that enable integration with third-party platforms, add-ons, services, or products not provided by Community Owner ("Third-Party Services"). If you direct us to transmit data to, or receive data from, a Third-Party Service on your behalf (including by enabling the applicable integration in the settings of the Community), then you authorize us and Service Provider to collect, access, use, derive, disclose, generate, transfer, transmit, store, host, or otherwise process ("Process") any such data, including User Content (defined in 6.1 below), in connection with the applicable integration, in a manner consistent with the functionality of the Community requested by you and the permissions granted to Community Owner by the relevant integration (which Processing may include, without limitation, performing queries on the data held by the Third-Party Service). You acknowledge and agree that your use of a Third-Party Service is subject to your agreement with the relevant provider of such Third-Party Service, and that Community Owner and Service Provider are not a party to such agreement. Community Owner and Service Provider do not control and have no liability for Third-Party Services, including their security, functionality, operation, availability, or interoperability with the Community or how the Third-Party Services or their providers use User Content. All data received from Third-Party Services on behalf of you as described herein will be deemed User Content under these Terms.

5.2. Third-Party Software. The Community may include or incorporate third-party software components that are generally available free of charge under licenses granting recipients broad rights to copy, modify, and distribute those components ("Third-Party Components"). Although the Community is provided to you subject to these Terms, nothing in these Terms prevents, restricts, or is intended to prevent or restrict you from obtaining Third-Party Components under the applicable third-party licenses or to limit your use of Third-Party Components under those third-party licenses.

6. USER CONDUCT

6.1. User Content Generally. Certain features of the Community may permit users to submit, upload, publish, broadcast, or otherwise transmit ("Post") content to the Community, including messages, reviews, photos, video or audio (including sound or voice recordings and musical recordings embodied in the video or audio), images, folders, data, text, and any other works of authorship or other works ("User Content"). You retain any copyright and other proprietary rights that you may hold in the User Content that you Post to the Community, subject to the licenses granted in these Terms.

6.2. Limited License to Operate the Community. You retain ownership of Your User Content. By posting User Content, You grant Us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, display, and format that content as reasonably necessary to operate the Community, provide membership benefits, moderate content, and make it available to its intended audience within the Community.

We may authorize Our hosting and service providers to process User Content as necessary to perform these functions. This license does not transfer ownership of Your content to Us and does not authorize Us to use Your identifiable posts, comments, photographs, or recordings in public advertising or testimonials without separate permission.

Following removal of content or closure of an account, limited copies may remain in backups, existing session recordings, or records retained for legitimate legal or operational purposes, as described in Our Privacy Policy. This provision does not amend any separate agreement that applies between You and a third-party provider.

6.3. You Must Have Rights to the Content You Post; User Content Representations and Warranties. You must not Post User Content if you are not the owner of or are not fully authorized to grant rights in all of the elements of that User Content including in all ambient music and underlying musical works embodied in any sound recording. Community Owner disclaims any and all liability in connection with User Content. You are solely responsible for your User Content and the consequences of providing User Content via the Community. By providing User Content via the Community, you affirm, represent, and warrant to us that:

(a) you are the owner of the User Content, or have the necessary licenses, rights, consents, and permissions to authorize Community Owner and users of the Community to use and distribute your User Content as necessary to exercise the licenses granted by you in this Section, in the manner contemplated by Community Owner, Service Provider, the Community, and these Terms;

(b) your User Content, and the Posting or other use of your User Content as contemplated by these Terms, does not and will not: (i) infringe, violate, misappropriate, or otherwise breach any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property, contract, or proprietary right; (ii) slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person; or (iii) cause Community Owner or Service Provider to violate any law or regulation or require Community Owner or Service Provider to obtain any further licenses from or pay any royalties, fees, compensation or other amounts or provide any attribution to any third parties; and

(c) your User Content could not be deemed by a reasonable person to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate.

6.4. User Content Disclaimer. Community Owner and Service Provider are under no obligation to edit or control User Content that you or other users Post and will not be in any way responsible or liable for User Content. Community Owner or Service Provider may, however, at any time and without prior notice, screen, remove, edit, or block any User Content that in our sole judgment violates these Terms, is alleged to violate the rights of third parties, or is otherwise objectionable. You understand that, when using the Community, you will be exposed to User Content from a variety of sources and acknowledge that User Content may be inaccurate, offensive, indecent, or objectionable. You agree to waive, and do waive, any legal or equitable right or remedy you have or may have against Community Owner or Service Provider with respect to User Content. If notified by a user or content owner that User Content allegedly does not conform to these Terms, Community Owner may (or may permit Service Provider to) investigate the allegation and determine whether to remove the User Content, which Community Owner and Service Provider reserve the right to do at any time, without notice, and for any reason. For clarity, Community Owner does not permit infringing activities on the Community.

6.5. Monitoring Content. Community Owner and Service Provider do not control and do not have any obligation to monitor: (a) User Content; (b) any content made available by third parties; or (c) the use of the Community by its users. You acknowledge and agree that Community Owner and Service Provider reserve the right to, and may from time to time, monitor any and all information transmitted or received through the Community for operational and other purposes. If at any time Community Owner or Service Provider choose to monitor the content, then Community Owner and Service Provider still assume no responsibility or liability for content or any loss or damage incurred as a result of the use of content. During monitoring, information may be examined, recorded, copied, and used in accordance with the Community Owner’s Privacy Policy. Community Owner and Service Provider may block, filter, mute, remove or disable access to any User Content uploaded to or transmitted through the Community without any liability to the user who Posted such User Content to the Community or to any other users of the Community.

6.6. Child Sexual Abuse and Exploitation. Community Owner and Service Provider prohibit any sexual content or suggestive content, and predatory or inappropriate behavior involving minors (i.e. users under 18 years old) or someone who appears to be a minor. This includes sharing, offering, or asking for child exploitation content, including child sexual abuse material (CSAM). If you are unsure about a piece of content involving a minor, do not share it. To report sexual, suggestive, or inappropriate behavior minors, you can use the in-line report feature on the website. When child sexual exploitation content is identified, the violative content is removed as soon as possible and the related account is banned. If Community Owner and Service Provider confirm the presence of CSAM, we take the steps required by law to preserve and refer the relevant content to appropriate authorities. In the United States, federal law requires that U.S.-based electronic service providers report instances of apparent CSAM to the National Center for Missing and Exploited Children (NCMEC). NCMEC coordinates reports with global law enforcement agencies in over 120 countries through its partner organization, the International Center for Missing and Exploited Children.

7. COMMUNICATIONS

7.1. Email. We may send you emails concerning our products and services, as well as those of third parties. You may opt out of promotional emails by following the unsubscribe instructions in the promotional email itself. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.

7.2 Live Sessions and Recordings. Designated membership sessions are hosted through Google Meet and recorded for membership replay purposes. We will provide notice before recording begins. Depending on Your participation and the recording settings, recordings may include Your name, image, voice, questions, and shared content.

Subject to any consent required by law, You authorize Us to record Your contributions to sessions identified as recorded and make those recordings available to authorized members as part of the membership. You may keep Your camera and microphone off and avoid sharing content You do not wish to have recorded. Please contact Us before participating if You have privacy concerns.

Members may not record, download, redistribute, or publicly share membership sessions or another member’s contributions without appropriate permission. We will obtain separate permission before using Your identifiable contributions in public marketing. Our handling and retention of recordings are described in Our Privacy Policy.

8. PROHIBITED CONDUCT. BY USING THE COMMUNITY, YOU AGREE NOT TO:

8.1. use the Community for any illegal purpose or in violation of any local, state, national, or international law;

8.2. harass, threaten, demean, embarrass, bully, or otherwise harm any other user of the Community;

8.3. violate, encourage others to violate, or provide instructions on how to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right;

8.4. access, search, or otherwise use any portion of the Community through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, and data mining tools) other than the software or search agents provided by Community Owner or Service Provider;

8.5. interfere with security-related features of the Community, including by: (a) disabling or circumventing features that prevent or limit use, printing or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Community except to the extent that the activity is expressly permitted by applicable law;

8.6. interfere with the operation of the Community or any user's enjoyment of the Community, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Community; (c) collecting personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Community;

8.7. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation or identity, accessing any other Community account without permission, or falsifying your age or date of birth;

8.8. sell or otherwise transfer the access granted under these Terms or any Materials (as defined in Section 4 (Ownership; Proprietary Rights)) or any right or ability to view, access, or use any Materials; or

8.9. attempt to do any of the acts described in this Section 8 (Prohibited Conduct) or assist or permit any person in engaging in any of the acts described in this Section 8 (Prohibited Conduct).

9. INTELLECTUAL PROPERTY RIGHTS PROTECTION

9.1. Respect of Third-Party Rights. Community Owner respects the intellectual property rights of others, takes the protection of intellectual property rights very seriously, and asks users of the Community to do the same. Infringing activity will not be tolerated on or through the Community.

9.2. Copyright Complaints. If You believe content posted in the Community infringes Your copyright, please contact Us at [email protected]. Please identify the copyrighted work, the allegedly infringing content and its location in the Community, Your contact information, and the basis for Your complaint. We may remove or restrict access to allegedly infringing content and may coordinate with Our platform provider as appropriate. We may suspend or terminate accounts for repeated copyright infringement.

10. MODIFICATION OF TERMS. We may, from time to time, change these Terms. Please check these Terms periodically for changes. Revisions will be effective immediately except that, for existing users, material revisions will be effective 30 days after posting or notice to you of the revisions unless otherwise stated. We may require that you accept modified Terms in order to continue to use the Community. If you do not agree to the modified Terms, then you should remove your User Content and discontinue your use of the Community. Except as expressly permitted in this Section 10 (Modification of Terms), these Terms may be amended only by a written agreement signed by authorized representatives of the parties to these Terms.

11. TERM, TERMINATION, AND MODIFICATION OF THE COMMUNITY

11.1. Term. These Terms are effective beginning when you accept the Terms or first download, install, access, or use the Community, and ending when terminated as described in Section 11.2 (Termination).

11.2. Termination. If you violate any provision of these Terms, then your authorization to access the Community and these Terms automatically terminate. In addition, Community Owner may, at its sole discretion, terminate these Terms or your account on the Community, or suspend or terminate your access to the Community, at any time for any reason or no reason, with or without notice, and without any liability to you arising from such termination. You may terminate your account at any time by using the mechanism designated in the Community or contacting customer service at [email protected].

11.3. Effect of Termination. Upon termination of these Terms: (a) your license rights will terminate and you must immediately cease all use of the Community; (b) you will no longer be authorized to access your account or the Community; (c) you must pay Community Owner any unpaid amount that was due prior to termination; and (d) all payment obligations accrued prior to termination and Sections 3.3 (Feedback), 4 (Ownership; Proprietary Rights), 11.3 (Effect of Termination), 12 (Indemnity), 13 (Disclaimers; No Warranties by Community Owner), 14 (Limitation of Liability), 15 (Dispute Resolution and Arbitration), and 16 (Miscellaneous) will survive. You are solely responsible for retaining copies of any User Content you Post to the Community since upon termination of your account, you may lose access rights to any User Content you Posted to the Community. If your account has been terminated for a breach of these Terms, then you are prohibited from creating a new account on the Community using a different name, email address or other forms of account verification.

11.4. Modification or Discontinuation of the Community. We may update Community content, schedules, features, or technology providers from time to time. We will provide reasonable notice of material changes when practicable.
If We permanently discontinue the paid membership, or terminate Your paid access for reasons other than Your breach of these Terms, before the end of a period for which You have paid, We will refund the prepaid amount attributable to the remaining undelivered period, unless We agree with You on an alternative resolution or applicable law requires otherwise.
This provision does not create a refund right for voluntary cancellation, non-participation, or missed sessions. Nothing in these Terms limits rights that cannot lawfully be waived.

11.5. Membership Billing, Cancellation, and Refunds.

Recurring Billing. Your membership renews automatically at the price and billing interval disclosed at checkout unless You cancel before Your next scheduled renewal. By purchasing a recurring membership, You authorize recurring charges to Your selected payment method.

Cancellation. You may cancel future membership renewals at any time through the ThriveCart Customer Hub using the link provided with Your purchase or membership information. Cancellation stops future scheduled renewal charges but does not reverse charges already processed. If You experience difficulty canceling, please contact [email protected] promptly for assistance.

Access After Cancellation. When You cancel future renewals, Your membership access terminates immediately. Cancellation does not provide lifetime access to the Community, recordings, or membership resources.

Refund Policy. Because the membership provides access to digital content, resources, and community benefits upon enrollment, all initial membership payments and renewal payments are final and non-refundable, except where required by applicable law. We do not provide prorated refunds or credits for unused time, non-participation, missed calls, or cancellation during a paid billing period.

Billing Errors and Legal Rights. Please contact [email protected] if You believe a charge was made in error or after a timely cancellation. Nothing in these Terms limits any refund, cancellation, payment-dispute, or other consumer right that cannot lawfully be waived.

12. INDEMNITY. To the fullest extent permitted by law, you are responsible for your use of the Community, and you will defend and indemnify Community Owner, its affiliates, and their respective shareholders, directors, managers, members, officers, employees, consultants, and agents (together, the "Specified Entities") and Service Provider from and against every claim brought by a third party, and any related liability, damage, loss, and expense, including attorneys' fees and costs, arising out of or connected with: (1) your unauthorized use of, or misuse of, the Community; (2) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (3) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (4) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims.

13. DISCLAIMERS; NO WARRANTIES BY COMMUNITY OWNER

13.1. THE COMMUNITY AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE COMMUNITY ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. COMMUNITY OWNER AND SERVICE PROVIDER DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE COMMUNITY AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE COMMUNITY, INCLUDING: (a) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (b) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. COMMUNITY OWNER AND ITS SERVICE PROVIDER DO NOT WARRANT THAT THE COMMUNITY OR ANY PORTION OF THE COMMUNITY, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE COMMUNITY, WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND COMMUNITY OWNER DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.

13.2. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMMUNITY, SPECIFIED ENTITIES, OR SERVICE PROVIDER, OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE COMMUNITY WILL CREATE ANY WARRANTY REGARDING ANY OF THE SPECIFIED ENTITIES OR THE COMMUNITY THAT IS NOT EXPRESSLY STATED IN THESE TERMS. WE ARE NOT RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE COMMUNITY AND YOUR DEALING WITH ANY OTHER COMMUNITY USER. YOU UNDERSTAND AND AGREE THAT YOU USE ANY PORTION OF THE COMMUNITY AT YOUR OWN DISCRETION AND RISK, AND THAT WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM USED IN CONNECTION WITH THE COMMUNITY) OR ANY LOSS OF DATA, INCLUDING USER CONTENT.

13.3. THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION 13 (DISCLAIMERS; NO WARRANTIES BY COMMUNITY OWNER) APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. Community Owner does not disclaim any warranty or other right that Community Owner is prohibited from disclaiming under applicable law.

14. LIMITATION OF LIABILITY

14.1. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE SPECIFIED ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE COMMUNITY OR ANY MATERIALS OR CONTENT ON THE COMMUNITY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY SPECIFIED ENTITY OR SERVICE PROVIDER HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE.

14.2. EXCEPT AS PROVIDED IN SECTIONS 15 (DISPUTE RESOLUTION AND ARBITRATION) AND TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE SPECIFIED ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE COMMUNITY OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO COMMUNITY OWNER FOR ACCESS TO AND USE OF THE COMMUNITY IN THE 12 MONTHS PRIOR TO THE EVENT OR CIRCUMSTANCE GIVING RISE TO THE CLAIM AND (B) US$100.

14.3. SEPARATE PROVIDER RELATIONSHIPS. THESE TERMS GOVERN CLAIMS BETWEEN YOU AND COMMUNITY OWNER. ANY CLAIM INVOLVING A THIRD-PARTY PROVIDER IS GOVERNED BY APPLICABLE LAW AND ANY SEPARATE AGREEMENT APPLICABLE TO THAT RELATIONSHIP.

14.4. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION 14 (LIMITATION OF LIABILITY) WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

15. DISPUTE RESOLUTION AND ARBITRATION

15.1. Informal Resolution. Before initiating arbitration, either party must send the other written notice describing the dispute and the requested resolution. Notices to Us may be sent to [email protected] or Kat Waugh LLC, P.O. Box 721202, Norman, OK 73070. The parties will attempt in good faith to resolve the dispute within 30 days after receipt of notice. This requirement does not prevent either party from seeking urgent relief or taking action necessary to preserve a claim.

15.2. Binding Arbitration. Except as provided below, any dispute arising out of or relating to these Terms or Your membership that cannot be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its applicable rules, including its Consumer Arbitration Rules when applicable. The Federal Arbitration Act governs this arbitration agreement. The arbitrator’s decision will be binding, subject to review permitted by law, and judgment on the award may be entered in a court of competent jurisdiction.

15.3. Location and Costs. Arbitration will take place in Cleveland County, Oklahoma, unless the parties agree otherwise or applicable law or AAA rules require another location or a remote proceeding. Filing fees, administrative expenses, and arbitrator compensation will be allocated under the applicable AAA rules and law. Each party will be responsible for its own attorneys’ fees and other presentation expenses, except where applicable law or an authorized award provides otherwise.

15.4. Exceptions and Individual Proceedings. Either party may bring an eligible individual claim in small claims court. Nothing in this section prevents a report to a government agency or an action seeking relief that cannot lawfully be restricted by an arbitration agreement. To the extent permitted by law, arbitration will proceed on an individual basis, not as a class or representative action.

15.5. Opt-Out. You may opt out of this arbitration agreement within 30 days after first accepting these Terms by sending written notice to [email protected] or the mailing address in Section 15.1. Your notice must include Your full name, the email address associated with Your membership, and a statement that You wish to opt out of arbitration. Opting out does not affect the other provisions of these Terms.

15.6. Unavailable Arbitration and Enforceability. If You validly opt out, this arbitration agreement is unenforceable, or AAA declines to administer a dispute and the parties do not agree on another administrator, the dispute may proceed in a court permitted under Section 16.3, subject to applicable law. An unenforceable provision will be severed only where doing so is permitted by law.

15.7. Changes to This Section. Material changes to this arbitration agreement will not apply retroactively to a dispute of which either party has already given written notice. We will notify You of material changes, and You may reject those changes by written notice within 30 days. In that case, the previously applicable arbitration agreement will continue to govern, to the extent permitted by law.

16. MISCELLANEOUS

16.1. Third-Party Platform. We use ThriveCart Academy, provided by ThriveCart LLC (“Service Provider”), to host the Community. Kat Waugh LLC operates the membership and is responsible for the membership offerings described at checkout. ThriveCart LLC is not a party to this membership agreement.

Your use of third-party services may also be subject to terms and privacy policies separately presented by those providers. These Terms do not amend those separate agreements. No third-party provider is granted independent enforcement rights under these Terms solely because it hosts or supports the Community.

16.2. General Terms. These Terms, including the Privacy Policy and any other agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and Community Owner regarding your use of the Community. You may not assign or transfer Your membership or rights under these Terms without Our prior written consent. We may assign these Terms in connection with a merger, reorganization, or transfer of the membership business, provided the successor assumes Our obligations and the assignment does not diminish Your non-waivable rights. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of Section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. Throughout these Terms the use of the word "including" means "including but not limited to." If any part of these Terms is held to be invalid or unenforceable, then the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect.

16.3. Governing Law and Venue. These Terms are governed by Oklahoma law, without regard to conflict-of-law principles, except that Section 15 is governed by the Federal Arbitration Act. Subject to Section 15 and applicable non-waivable rights, court proceedings permitted under these Terms must be brought in a state court of competent jurisdiction in Cleveland County, Oklahoma, or a federal court of competent jurisdiction serving that county.

16.4. Privacy Policy. You understand and agree to the processing of your personal data in connection with the Community in accordance with Community Owner's Privacy Policy, which is hereby incorporated by reference into Section 16.4 of these Terms.

16.5. Consent to Electronic Communications. By using the Community, you consent to receiving certain electronic communications from us as further described in our Privacy Policy. Please read our Privacy Policy to learn more about our electronic communications practices. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that those communications be in writing.

16.6. Notice to California Residents. If you are a California resident, then under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at +1-800-952-5210 in order to resolve a complaint regarding the Community or to receive further information regarding use of the Community.

The Back Office Collective Terms of Service

Last Updated on: 10/1/2026