Terms and Conditions

KarenPapin.com – Divine Worth Membership

Last Updated: 1/10/2026

Thank you for visiting karenpapin.com and for your interest in the Divine Worth Membership, operated by Karen Papin Coaching (“we,” “us,” or “our”). Please read these Terms and Conditions carefully before purchasing or using any part of the website or membership.

By accessing this website or purchasing the Divine Worth Membership, you agree to be bound by the following terms.

1. Definitions

“Purchaser,” “you,” or “member” refers to the individual purchasing or accessing the Divine Worth Membership.

“Program,” “Membership,” or “Services” refers to the Divine Worth Membership and all related materials.

“Company,” “Provider,” “we,” or “us” refers to Karen Papin Coaching.

2. Acceptance of Terms

By purchasing, accessing, or using the Divine Worth Membership, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree with any part of these terms, please do not purchase or use the Membership.

3. Changes to Terms

Karen Papin Coaching reserves the right to update, revise, or modify these Terms and Conditions at any time without prior notice. Any changes will be reflected on karenpapin.com and will be effective immediately upon posting.

4. Membership Access & Payments

Membership purchases are non-transferable and intended for individual use only.

Membership access may not be redeemed for cash, credits, or other benefits.

All sales are considered final unless otherwise stated in writing.

5. No Resale or Sharing of Services

Purchaser agrees not to reproduce, duplicate, copy, sell, trade, resell, or exploit any portion of the Membership, including course materials, lessons, recordings, or community access, for any commercial or non-commercial purpose. Sharing login credentials or materials is strictly prohibited.

6. Intellectual Property

All materials provided through the Divine Worth Membership—including but not limited to videos, audio recordings, worksheets, journals, lessons, and written content—are the exclusive intellectual property of Karen Papin Coaching.

You are granted a single-user, limited license for personal use only. You may not copy, distribute, share, modify, or use any materials for business or commercial purposes without prior written consent.

7. Disclaimer of Guarantees

Purchaser understands and agrees that results from coaching, courses, and membership content vary from person to person.

Karen Papin Coaching makes no guarantees regarding outcomes, success, or specific results. Purchaser accepts full responsibility for their own progress, actions, and results.

8. Educational and Coaching Disclaimer

The Divine Worth Membership provides faith-based coaching, education, and personal development content. It is not therapy, counseling, medical advice, or mental health treatment.

Purchaser agrees to seek appropriate professional support (medical, psychological, or otherwise) when needed. Karen Papin Coaching is not responsible for decisions made by the Purchaser or their outcomes.

9. Use of Recordings and Materials

Purchaser acknowledges and agrees that:

Sessions, lessons, or trainings may be recorded.

Karen Papin Coaching may use anonymized or approved materials for future teaching, training, or marketing purposes.

No compensation will be provided for such use.

10. Confidentiality

Karen Papin Coaching agrees to keep Purchaser’s personal information and shared content confidential, except as required by law or with Purchaser’s written consent.

This does not apply to information that is publicly shared by the Purchaser or disclosed within group settings where confidentiality cannot be guaranteed.

11. Artificial Intelligence (AI) Disclosure

Some content, materials, or resources provided through karenpapin.com or the Divine Worth Membership may be created or assisted by artificial intelligence (AI). All AI-assisted content is reviewed, refined, and guided by human insight to ensure accuracy, clarity, and alignment with the values and purpose of Karen Papin Coaching.

12. Refunds, Cancellations, and Chargebacks

All sales are final unless otherwise stated in writing.

Purchaser agrees not to initiate chargebacks or payment disputes.

Any exceptions to refunds are at the sole discretion of Karen Papin Coaching.

13. Limitation of Liability

Karen Papin Coaching shall not be held liable for any direct, indirect, incidental, or consequential damages arising from participation in the Membership or use of the website.

14. Governing Law

These Terms and Conditions shall be governed and interpreted in accordance with the laws of the United States and the state in which Karen Papin Coaching operates.

15. Final Agreement

By purchasing or participating in the Divine Worth Membership, you acknowledge that you are doing so voluntarily and agree to these Terms and Conditions in full.