Last Updated: January 7, 2026
These Terms and Conditions (“Terms”) govern your use of the website https://www.kapitalizewithkaro.com (the “Website”), operated by Kapitalize With Karo LLC (“we,” “us,” or “our”).
Your access to and use of the “Website” and service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Website.
By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
Eligibility (18+ Requirement)
This Website is intended for individuals who are 18 years of age or older. By using this Website, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.
Use of the Website
This Website and all content provided are for informational and educational purposes only. You agree to use the Website in a lawful manner and not for any illegal, unauthorized, or harmful purpose.
You may not:
- Violate any applicable laws or regulations
- Attempt to gain unauthorized access to the Website
- Interfere with the Website’s operation or security
- Use the Website in a way that could harm or impair others
Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, videos, digital products, downloads, and written materials, is the property of Kapitalize With Karo LLC or its content creators and is protected by copyright and intellectual property laws.
You may not copy, reproduce, distribute, modify, or exploit any content without prior written permission, except where explicitly stated for personal use.
Digital Products & Downloads
All digital products, templates, spreadsheets, courses, and downloadable materials are for personal use only, unless otherwise stated.
Due to the digital nature of these products:
- All sales are final
- No refunds or exchanges are provided unless required by law
You are responsible for downloading and saving your purchased products after access is provided.
Financial Disclaimer (No Professional Advice)
All content, products, and services provided on this Website and through Kapitalize With Karo LLC’s social media platforms, including but not limited to Instagram, TikTok, and YouTube, are for educational and informational purposes only and do not constitute financial, investment, legal, or tax advice.
Kapitalize With Karo LLC is not a Certified Financial Planner (CFP), Certified Public Accountant (CPA), or licensed financial advisor. Any actions you take based on information provided through this Website or related platforms are taken at your own discretion and risk.
Results Disclaimer
Individual results will vary. We make no guarantees regarding financial outcomes, income, savings, debt reduction, or other results.
Your success depends on your own effort, actions, and personal circumstances. Past results do not guarantee future outcomes.
Affiliate Links & Advertising
This Website may contain affiliate links or advertisements. This means we may earn a commission at no additional cost to you if you choose to make a purchase through those links.
We only recommend products or services we genuinely believe may be helpful, but you are responsible for conducting your own due diligence before making any purchase.
Third-Party Links
The Website may contain links to third-party websites or services. We do not control and are not responsible for the content, policies, or practices of any third-party websites.
Accessing third-party sites is done at your own risk.
No Warranties
The Website, its content, and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
We make no representations or warranties regarding the accuracy, reliability, availability, or suitability of the Website or its content.
Limitation of Liability
To the fullest extent permitted by law, Kapitalize With Karo LLC shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Website, products, services, or content.
This includes, but is not limited to, loss of data, loss of income, loss of profits, or business interruption.
Indemnification
You agree to indemnify and hold harmless Kapitalize With Karo LLC from any claims, damages, losses, liabilities, or expenses (including reasonable attorneys’ fees) arising out of:
- Your use of the Website
- Your violation of these Terms
- Your misuse of content, products, or services
Availability, Modifications, & Updates
We reserve the right to modify, suspend, or discontinue any part of the Website, products, or services at any time without notice.
We may update these Terms from time to time. Continued use of the Website after changes are posted constitutes acceptance of the updated Terms.
Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severed from the remaining Terms, which will continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Kapitalize With Karo LLC regarding your use of the Website and supersede all prior communications or agreements.
Governing Law
All Terms shall be construed in accordance with and governed in all respects by, the laws of the State of New York. We reserve the right to change or modify these Terms at any time without notice to You. Again, it is Your responsibility to review these Terms prior to Your use and periodically throughout Your use of Our Site.
Contact Information
If you have any questions about these Terms and Conditions, please contact me:
Email: hello@kapitalizewithkaro.com