Before you proceed to purchase The Divine Worth Membership, we strongly recommend you to go through the following program terms and conditions:

• In this section, words like ‘holder’, ‘bearer’, and ‘purchaser’ will refer to you - the person who will buy the subscription to The Divine Worth Membership. On the other hand, ‘our’, ‘us’, ‘we’, ‘issuer’, ‘provider’ and similar terms will indicate the organizers of The Divine Worth Membership – Karen Papin Coaching.
• By opting to purchase, allocate or possess a subscription to The Divine Worth Membership, you automatically agree to our terms of use. If you have problems with any of the clauses listed below or do not agree with the risk allocations mentioned here, please do not purchase tickets or try to enter the The Divine Worth Summit.
• Please note that Karen Papin Coaching reserves the right to make changes, revisions, and amendments, or add/remove sections from this set of terms and conditions - without any prior notifications to you. Such changes will be duly reflected on the website of the organizer (https://karenpapin.com). These changes will relate back to the date of purchase of The Divine Worth Membership subscription.
• The price of one month of The Divine Worth Membership subscription is $27, billed monthly until cancelled. This figure is non-negotiable.
• The Divine Worth Summit tickets delivered to you are not meant to be used for illegal reselling, copying, reproducing, or misrepresenting in any form. You cannot use the ticket(s) for any promotional/advertising purposes either (including sweepstakes and competitions) without our prior approval. Any proven record of such activities will result in immediate seizure and cancellation of your subscription(s).
• Karen Papin Coaching has the right to investigate if there has been any violation of the The Divine Worth Membership Subscription terms and conditions. In case of any conflicts, the decision of Karen Papin Coaching will be deemed final (i.e., the issuer will remain the final arbiter in cases of disputes).
• If The Divine Worth Membership is cancelled in its entirety due to any unforeseen circumstances, Karen Papin Coaching has the sole and absolute right to:
• i) reschedule the event, or
• ii) issue a partial/full refund, or
• iii) not issue any refunds.
• NO RESALE OF SERVICES PERMITTED. Purchaser agrees not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Program (including course materials), use of the Program, or access to the Program. This agreement is not transferrable or assignable with the Karen Papin Coaching’s without the Karen Papin Coaching’s prior written consent.

• NO TRANSFER OF INTELLECTUAL PROPERTY. Karen Papin Coaching’s copyrighted and original materials shall be provided to the Purchaser for his/her individual use only and a single-user license. Purchaser shall not be authorized to use any of Karen Papin Coaching’s intellectual property for Purchaser’s business purposes. Purchaser shall not be authorized to share, copy, distribute, or otherwise disseminate any materials received from Karen Papin Coaching electronically or otherwise without the prior written consent of the Karen Papin Coaching. All intellectual property, including Karen Papin Coaching’s copyrighted course materials, shall remain the sole property of the Karen Papin Coaching. No license to sell or distribute Karen Papin Coaching’s materials is granted or implied.

• DISCLAIMER OF GUARANTEE. Purchaser accepts and agrees that she/he is 100% responsible for her/his progress and results from the Program. Purchaser accepts and agrees that she/ he is the one vital element to the Program’s success and that Karen Papin Coaching cannot control Purchaser. Karen Papin Coaching makes no representations or guarantees verbally or in writing regarding performance of this Agreement other than those specifically enumerated herein. Karen Papin Coaching and its affiliates disclaim the implied warranties of titles, merchant ability, and fitness for a particular purpose. Karen Papin Coaching makes no guarantee or warranty that the Program will meet Purchaser’s requirements or that all purchasers will achieve the same results.

• USE OF MEMBERSHIP MATERIALS. Purchaser consents to recordings being made of courses and the Program. Karen Papin Coaching reserves the right to use, at its sole discretion, course materials, videos and audio recordings of courses, and materials submitted by Purchaser in the context of the course(s) and the Program for future lecture, teaching, and marketing materials, and further other goods/services provided by Karen Papin Coaching, without compensation to the Purchaser. Purchaser consents to its name, voice, and likeness being used by Karen Papin Coaching for future lecture, teaching, and marketing materials, and further other goods/services provided by Karen Papin Coaching, without compensation to the Purchaser.

• NO SUBSTITUTE FOR MEDICAL TREATMENT. Purchaser agrees to be mindful of his/her own wellbeing during the course and seek medical treatment (including, but not limited to psychotherapy), if needed. Karen Papin Coaching does not provide medical, therapy, or psychotherapy services. Karen Papin Coaching is not responsible for any decisions made by Purchaser as a result of the coaching and any consequences thereof.

• If The Divine Worth Membership is cancelled due to any factors or causes not in the control of the issuer, the latter will offer a partial or full refund, or postpone the event, or provide a comparable ‘make good’ option. These factors will be inclusive of, but not limited to, natural disasters, federal/state announcements, strikes, delays in production, and the like. Once again, the decision of Karen Papin Coaching will be considered final.
• If the calls in The Divine Worth Membership have to be rescheduled to other dates, you will not be eligible for any refunds. In case the event is fully canceled, the refund, if issued, will include ONLY the face value/printed value of the purchase at the time of purchase. The bearer cannot, under any circumstances, claim refunds on shipping fees, processing fees, handling fees, and such other charges.
• Losses, if any, occurring due to foreign exchange fluctuations at the time of refunds, have to be borne by the purchaser. Karen Papin Coaching cannot be, in any way, held liable for that.
• All ticket sales are deemed as FINAL TRANSACTIONS. There will be no ticket returns/exchanges/cancellations.
• You hereby agree to forego all types of surcharge claims - full or in part - and all claims & entitlements related to it.
• Karen Papin Coaching does not take any responsibility to personal/financial damages caused to you at the venue, or for any items lost/stolen/misplaced at the venue. Financial reimbursement claims on these counts will not be entertained.
• Please note that you purchase the Divine Worth Membership on your own free will. As such, you do not have the right to initiate a chargeback claim or dispute on the provider of the credit card/debit card that had been used for the transaction. Further refund/return/cancellation requests will not be entertained either.
• In all cases of disputes between the ticket-bearer and the ticket-issuer, the decision of the latter will be deemed final. In case a dispute cannot be resolved, the help of an independent third-party arbiter will be sought.