Terms and Conditions Effective August 2026.

Company Name: Lorna Faith Author and Create A Story You Love), also known as Lorna Faith Kopp.

Websites & Platforms:

These Terms & Conditions apply to all products, content, and services offered by Lorna Faith Kopp, including but not limited to those sold or accessed through our official website(https://createastoryyoulove.com) as well as affiliated platforms such as SamCart, Fourthwall, Instagram, YouTube, and any other official Lorna Faith and Create A Story You Love sales or content channels.

Introduction

These Terms and Conditions govern your use of all digital products, coaching programs, courses, templates, and services (“Products”) provided by Lorna Faith Author Or Create A Story You Love and (also known as Lorna Faith Kopp “Company”, “we”, “our”, or “us”). By checking the box on our checkout page and completing your purchase, you (“Customer”, “You”, or “Your”) agree to be bound by these Terms.

 

PLEASE READ THESE TERMS CAREFULLY BEFORE MAKING A PURCHASE. By completing your purchase, you acknowledge you have Read, Understood and Agree to these Terms.

1. Eligibility and Capacity

By using our Products, you represent and warrant that:

• You are at least 18 years old and legally capable of entering into a binding contract

• You have the legal capacity to comply with these Terms

• All information you provide is accurate and complete

• You are not prohibited from receiving our Products under applicable laws

2. Product Access and Lifetime License

2.1 Access Duration

Upon purchase, you are granted access to the purchased Product for the lifetime of that specific Product, subject to your continued compliance to these terms and conditions.

2.2 Product Updates vs. New Products

• Included Updates: You will receive access to updates, improvements, bug fixes, and supplementary materials added to your purchased Product at no additional charge

• Excluded New Products: We may create and release entirely new products, courses, or programs that are substantially refilmed, redesigned, or reimagined versions of similar subject matter. These new standalone products are NOT included in your original purchase and will require separate purchase.

• Definition of New Product: A new product is considered separate if it is marketed as a distinct offering, has a separate product name or version number (e.g., “Version 2.0” or “Advanced Edition”), or is presented as a successor or replacement product

2.3 Platform Changes and Service Continuity

• We reserve the right to change hosting platforms, learning management systems, or delivery methods for your Product

• If we migrate to a new platform, you will be provided access to your purchased content on the new platform at no additional cost

• We will provide reasonable notice (minimum 30 days) before any platform migration that requires action on your part.

2.4 Business Closure or Product Discontinuation

• In the event we cease operations or discontinue a Product, we will make reasonable efforts to provide you with downloadable copies of your purchased materials or at minimum 90 days’ notice.

• “Lifetime access” means the lifetime of the Product offering, not an absolute guarantee of perpetual access.

• We are not liable for circumstances beyond our reasonable control that prevent continued access (see section below).

3. Intellectual Property

3.1 Ownership

All content provided in our Products—including but not limited to videos, templates, PDFs, graphics, logos, trademarks, written material, audio recordings, and software—is the sole intellectual property of Lorna Faith Author (Or Create A Story You Love and also known as Lorna Faith Kopp) and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

3.2 Limited License

You are granted a limited, non-exclusive, non-transferable, revocable license for personal or internal business use only. This license does not grant you any ownership rights.

3.3 Prohibited Uses

You may NOT:

• Share, distribute, reproduce, copy, or resell any part of the content

• Post content to public websites, file-sharing platforms, or social media

• Use the content for commercial training or to teach others (unless explicitly permitted in your Product description)

• Remove, alter, or obscure any copyright, trademark, or proprietary notices

• Create derivative works based on our content without express written permission

3.4 Use of Likeness & AI Restrictions

You may not use any photographs, video, voice, likeness, or content from Lorna Faith Author(Or Create A Story You Love and also known as Lorna Faith Kopp)—including appearances on video, social media, or public platforms—for the purpose of training, generating, or reproducing content through artificial intelligence (AI) or machine learning technologies. This includes but is not limited to:

• Deepfakes or synthetic media

• Voice replication or cloning

• Image generation or manipulation

• AI model training datasets

• Automated content creation systems

Any such use is strictly prohibited and may result in immediate termination of access, legal action for violation of publicity rights, intellectual property infringement, misrepresentation, and statutory damages.

3.5 Enforcement

Any unauthorized use may result in immediate revocation of access without refund and potential legal action, including claims for monetary damages and injunctive relief.

4. Payment Terms and Processing

4.1 Payment Processing

All payments are processed through third-party payment processors including but not limited to Stripe, PayPal, and other authorized payment gateways. By making a purchase, you agree to the payment processor’s terms of service.

4.2 Pricing and Currency

• All prices are stated in U.S. Dollars (USD) unless otherwise indicated

• Prices are subject to change at any time without notice

• Any price changes will not affect existing purchases or active payment plans

4.3 Payment Plans

If you select a payment plan option:

• You authorize us to charge your payment method on the scheduled dates

• Failure to make a scheduled payment may result in suspension of access until payment is received

• You remain obligated to complete all payments even if you stop using the Product

• Payment plans are not cancellable, and you are liable for all installments regardless of Product usage

4.4 Failed Payments

If a payment fails, we will:

• Attempt to contact you via email

• May attempt to process the payment up to 3 additional times

• Suspend access if payment is not received within 15 days

• Charge a $25 failed payment administrative fee (where permitted by law)

4.5 Taxes

You are responsible for any applicable sales tax, VAT, GST, or other taxes based on your location. We will collect such taxes where required by law.

4.6 Chargebacks and Disputes

• Unauthorized Chargebacks: If you initiate a chargeback or payment dispute through your bank or payment processor without first contacting us at lorna@createastoryyoulove.com to resolve the issue, we have decided to reserve the right to:

• Immediately terminate your access to all Products

• Report the incident to chargeback prevention services

• Pursue collection of the disputed amount plus administrative fees and legal costs

• Deny you future access to our Products and services

• Good Faith Disputes: If you have a legitimate concern, please contact us at lorna@createastoryyoulove.com, first so we can work toward resolving the issue together.

• Chargeback Fees: If a chargeback is filed and later reversed in our favor, you will be responsible for any chargeback fees charged by the payment processor (typically $15-$25 per incident).

5. Coaching and Educational Disclaimer

5.1 Educational Purpose Only

Our coaching, courses, and content are for educational and informational purposes only. We are educators and business coaches, not licensed professionals in law, medicine, accounting, financial planning, therapy, or other regulated professions.

5.2 No Professional Advice

We do not provide and you should not view our content as:

• Legal advice (consult an attorney)

• Medical or mental health advice (consult a licensed healthcare provider)

• Tax advice (consult a CPA or tax professional)

• Financial or investment advice (consult a licensed financial advisor)

• Accounting advice (consult a licensed accountant)

5.3 Your Responsibility

You are responsible for:

• Your own business decisions and implementation of strategies

• Compliance with all applicable laws and regulations in your jurisdiction

• Seeking appropriate professional advice before taking action

• Your results, outcomes, and consequences of your actions

• Determining the suitability of our Products for your specific situation

5.4 No Client Relationship

Purchase of our Products does not create a professional client relationship or confidential relationship between you and Lorna Faith Author(Or Create A Story You Love also known as Lorna Faith Kopp) beyond the scope of the educational Product provided.

6. FTC-Compliant Income and Results Disclaimer

6.1 No Income Guarantees

IMPORTANT: We make no guarantees, representations, or warranties regarding your ability to earn income, grow your business, or achieve specific results from using our Products.

6.2 Earnings Disclaimers

Any income figures, revenue numbers, earnings examples, or client results shared in our marketing materials, testimonials, courses, or communications:

• Are provided for illustrative and educational purposes only

• Represent exceptional results and are NOT typical

• Do not constitute guarantees or predictions of your results

• May represent accumulated earnings over extended time periods

• May not account for all business expenses, taxes, or other costs

• Are dependent on numerous factors outside our control

6.3 Factors Affecting Results

Your results will vary based on numerous factors including but not limited to:

• Your existing skills, knowledge, and experience

• The time and effort you dedicate to implementation

• Your industry, niche, market, and competition

• Your business model and monetization strategy

• Economic conditions and market timing

• Your existing audience, reputation, or resources

• Your ability to execute and adapt strategies

• Factors beyond anyone’s reasonable control

6.4 FTC Disclosure Statement

As required by the Federal Trade Commission (FTC): Most people who purchase educational products do not achieve significant results. The average purchaser does not implement the strategies taught. We cannot and do not make any guarantees about your ability to earn income, grow your business, or achieve results from our Products. Your results are entirely dependent on your individual capacity, business experience, work ethic, and personal effort.

6.5 Testimonials and Endorsements

All testimonials and case studies:

• Reflect the individual experiences of actual customers or clients

• Are not verified for accuracy by independent third parties

• Do not guarantee that you will achieve the same or similar results

• May have received compensation or free products in exchange for their feedback

• Are presented in accordance with FTC guidelines on testimonials and endorsements

The experiences of our testimonials are not typical. The individuals featured may have unique circumstances, skills, connections, or advantages that contributed to their results.

7. Meta (Facebook/Instagram) Advertising Compliance

7.1 Advertising Standards

All advertising conducted on Meta platforms (Facebook, Instagram, WhatsApp, Messenger) complies with Meta’s Advertising Policies, including but not limited to:

• Prohibited and restricted content policies

• Community Standards

• Commerce Policies

• Data Use policies

7.2 Health and Wellness Claims

If our Products relate to health, wellness, fitness, or personal improvement:

• We do not make claims about curing, treating, or preventing diseases

• We do not guarantee specific health outcomes

• Individual results vary and depend on personal factors

• Consult healthcare professionals before making health decisions

7.3 Financial Products and Services

For Products related to business, finance, or income generation:

• We comply with Meta’s requirements for transparent disclosure of risks

• We clearly disclose that results are not guaranteed

• We do not engage in deceptive or misleading practices

• We maintain appropriate disclaimers near all claims

7.4 Data Collection and Privacy

• We collect data from Meta platforms in accordance with Meta’s Platform Policies

• We do not use Meta data for purposes prohibited by Meta

• Our use of Meta pixels and tracking complies with applicable data protection laws

• See our Privacy Policy for complete details on data handling

8. Technology Requirements and Access

8.1 Your Technical Responsibility

You are responsible for:

• Maintaining a reliable internet connection

• Providing compatible devices and up-to-date web browsers

• Ensuring your email address is accurate and you can receive our emails

• Managing your login credentials securely

• Installing any necessary software or applications

8.2 Minimum Requirements

Our Products may require:

• High-speed internet connection (minimum 5 Mbps recommended)

• Modern web browser (Chrome, Firefox, Safari, latest two versions)

• Enabled cookies and JavaScript

• Device with sufficient storage space for downloads

• PDF reader for document-based materials

• Specific software applications as noted in Product descriptions

8.3 No Technical Support Guarantee

While we strive to provide responsive support, we do not guarantee:

• 24/7 technical support availability

• Compatibility with all devices or configurations

• Resolution of technical issues caused by your device, internet service, or third-party software

• Assistance with general computer or device troubleshooting

8.4 Platform Availability

We strive for continuous availability but do not guarantee uninterrupted access. Our platform may be unavailable due to:

• Scheduled maintenance (we will provide notice when possible)

• Emergency repairs or updates

• Third-party service provider outages

• Circumstances beyond our reasonable control

No refunds will be issued for temporary service interruptions.

9. Assumption of Risk

9.1 Business and Personal Risk

You expressly acknowledge and agree that:

• Starting or growing a business involves inherent risks including financial loss

• Implementation of strategies taught may not yield positive results

• Market conditions, competition, and external factors can affect outcomes

• You may experience financial loss, wasted time, or other negative consequences

• No educational product can guarantee success in business or life

9.2 Your Acceptance of Risk

You assume full responsibility and risk for:

• All decisions made based on our Products

• Your implementation (or failure to implement) of strategies

• Any outcomes, results, or consequences of your actions or inaction

• Financial investments made in pursuit of strategies taught

• Changes in laws, regulations, or platform policies affecting your business

9.3 Release of Liability

You agree that Lorna Faith Author(Also known as Lorna Faith Kopp or Create A Story You Love) its owners, employees, contractors, and affiliates are not liable for any damages, losses, or negative outcomes resulting from your use of our Products or implementation of strategies taught therein.

10. No Refund Policy

10.1 All Sales Final

All sales are final. This includes but is not limited to:

• Digital courses and programs

• Downloadable templates and resources

• Recorded workshops and masterclasses

• Membership subscriptions

• Different Coaching packages

• All Bundles and special offers

10.2 No Refunds, Exchanges, or Credits

No refunds, exchanges, chargebacks, or credits will be issued under any circumstances, including but not limited to:

• Change of mind or buyer’s remorse

• Failure to use or access the Product

• Dissatisfaction with content or results

• Technical difficulties on your end

• Financial hardship or inability to pay remaining installments

• Duplicate purchases

10.3 Non-Delivery or Access Issues

If you experience legitimate non-delivery or access issues:

• Contact us immediately at lorna@lornafaithauthor.com.

• We will work with you to resolve your access to our products.

• If we cannot provide access to your purchased Product due to our error, you might qualify for a refund.

• You must report problems or access issues within 30 days of purchase

10.4 Legally Required Exceptions

Any legally required exceptions (such as those under California Consumer Protection laws, EU consumer protection laws, Australian Consumer Law, or other applicable consumer protection statutes) will be honored in accordance with applicable law. To invoke these rights, you must contact us with documentation of your eligibility.

10.5 Payment Plan Obligations

If you selected a payment plan, you remain obligated to complete all scheduled payments regardless of Product usage. Non-payment may result in:

• Suspension or termination of access

• Collection actions

• Negative reporting to credit agencies (where applicable)

• Legal action to recover amounts owed

11. Limitation of Liability

11.1 Maximum Liability

To the fullest extent permitted by law, the total liability of Lorna Faith Author(Also known as Lorna Faith Kopp or Create A Story You Love) to you for any and all claims arising from or related to your use of our Products, whether in contract, tort, strict liability, or otherwise, shall not exceed the amount you actually paid to Lorna Faith Author(also known as Lorna Faith Kopp and Create A Story You Love) for the specific Product at issue.

11.2 Exclusion of Damages

In no event shall Lorna Faith Author(Or Create A Story You Love Or Lorna Faith Kopp) be liable for:

• Indirect, incidental, special, consequential, or punitive damages

• Lost profits, revenue, or business opportunities

• Loss of data or business information

• Cost of substitute goods or services

• Business interruption or loss of use

• Damages arising from reliance on content or strategies taught

• Emotional distress or issues that harm your reputation.

This exclusion applies regardless of whether we were advised of the possibility of such damages.

11.3 Basis of Bargain

You acknowledge that this limitation of liability is an essential element of the agreement between you and Lorna Faith Author(also known as Create A Story You Love Or Lorna Faith Kopp) and that we would not offer the Products at the current price without these limitations.

11.4 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages or other limitations on liability. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Lorna Faith Author (Also known as Create A Story You Love Or Lorna Faith Kopp) the website, its owners, officers, employees, contractors, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees and court costs) arising from or related to:

• Your use or misuse of our Products

• Your violation of these Terms

• Your violation of any third-party rights, including intellectual property, privacy, or publicity rights

• Your violation of any applicable laws or regulations

• Any content you submit, post, or transmit through our platforms

• Any disputes or claims you have with other users or third parties

• Your business activities or implementation of strategies taught in our Products

• Any representations or warranties you make that are based on our content

This indemnification obligation survives termination of these Terms and your use of our Products.

13. Termination of Access

13.1 Grounds for Termination

We reserve the right to suspend or permanently revoke your access to any or all Products if you:

• Violate these Terms in any material way

• Share, distribute, or resell our proprietary content

• Begin to assert abusive, threatening, or harassing behavior toward our team or community

• Initiate chargebacks or fraudulent payment disputes

• Use our Products for illegal or unethical purposes

• Provide false information or misrepresent your identity

• Attempt to circumvent security measures or technological protections

13.2 Written Notice

In most cases (except for severe violations), you will receive written notice via email and will have five (5) business days to resolve the issue or provide an explanation. Severe violations (such as intellectual property theft, fraud, or threatening behavior) may result in immediate termination without notice or opportunity to cure.

13.3 Effect of Termination

Upon termination:

• Your access to all Products will be immediately revoked

• You must cease all use of our materials

• You must delete or destroy any downloaded content

• You remain liable for any outstanding payment obligations

• No refunds will be issued

• Sections of these Terms that by their nature should survive (including but not limited to Intellectual Property, Limitation of Liability, Indemnification, and Dispute Resolution) shall survive termination

13.4 Your Right to Terminate

You may cease using our Products at any time, but doing so, does not:

• Entitle you to a refund

• Release you from payment obligations

• Terminate your obligations under these Terms (surviving provisions remain in effect)

14. Dispute Resolution and Arbitration

14.1 Informal Resolution Requirement

Before initiating any formal dispute resolution, you agree to contact us at lorna@createastoryyoulove.com with a detailed description of your concern. We will attempt to resolve the matter informally within 30 days. This step is mandatory before proceeding to arbitration.

14.2 Binding Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. It affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Products (including but not limited to disputes about the validity, interpretation, breach, or termination of these Terms) shall be resolved through final and binding arbitration rather than in court, except as provided below.

14.3 Arbitration Procedures

• Arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules

• The arbitration shall take place in Alberta, or at another location mutually agreed upon

• The arbitration may be conducted by telephone or via video if you do not reside in Alberta, Canada.

• The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction

• Each party shall bear its own costs and attorneys’ fees unless otherwise awarded by the arbitrator

14.4 Exceptions to Arbitration

Either party may bring a claim in small claims court if the claim qualifies and remains in small claims court. Additionally, either party may seek injunctive or equitable relief in court for intellectual property infringement or misappropriation.

14.5 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE ARBITRATED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You waive any right to participate in a class-wide arbitration or class action lawsuit against Lorna Faith Author (Also known as Create A Story You Love Or Lorna Faith Kopp).

If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void (but the rest of these Terms remain in effect).

14.6 Jury Trial Waiver

You and Lorna Faith Author(Also known as Create A Story You Love Or Lorna Faith Kopp) both waive any constitutional and statutory rights to sue in court and have a trial in front of a judge or a jury. You and we are instead electing to have claims and disputes resolved by arbitration.

14.7 Opt-Out Right

You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to lorna@createastoryyoulove.com within 30 days of your first purchase. Your notice must include your name, email address, and a clear statement that you wish to opt out of the arbitration agreement. Opting out of arbitration does not affect any other terms.

15. Governing Law and Jurisdiction

15.1 Governing Law

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of the Province of Alberta, Canada without regard to its conflict of law provisions.

15.2 Exclusive Jurisdiction

To the extent not subject to arbitration, you agree that any legal action or proceeding shall be brought exclusively in the Provincial courts located in Alberta, Canada. You consent to the personal jurisdiction of these courts and waive any objection to venue.

15.3 International Users

If you access our Products from outside Canada, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. You acknowledge that your information will be transferred to and processed in Canada.

16. Affiliate and Third-Party Disclaimers

16.1 Affiliate Relationships

We may promote, reference, or recommend third-party products, services, tools, or platforms. In some cases, we may receive affiliate commissions or other compensation for these recommendations. Such relationships do not influence our educational content, and we only recommend products and services we believe may provide value.

16.2 No Endorsement or Guarantee

Mention of any third-party product, service, company, or individual does not constitute:

• An official endorsement beyond our stated opinion

• A guarantee of results from using that product or service

• A warranty of quality, fitness for purpose, or merchantability

• An assumption of liability for third-party actions or products

16.3 Third-Party Links

Our Products may contain links to third-party websites or resources. We are not responsible for:

• The content, accuracy, or legality of third-party sites

• Third-party privacy practices or terms of service

• Products or services sold by third parties

• Your interactions with third parties

You access third-party sites at your own risk.

16.4 Tools and Platform Changes

Third-party tools, platforms, or services recommended in our Products may:

• Change their features, pricing, or availability

• Modify their terms of service

• Discontinue operations

• No longer be suitable for the strategies taught

We are not responsible for such changes and make no guarantees about the continued availability or suitability of any third-party resource.

17. Details Beyond Our Control

Lorna Faith Author(Also known as Create A Story You Love Or  Lorna Faith Kopp), shall not be liable for any failure or delay in performance of our obligations under these Terms due to causes beyond our reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, fires, storms, pandemics)

• War, terrorism, civil unrest, or government actions

• Labor disputes or strikes

• Internet service provider failures or cyberattacks

• Failures of third-party hosting, payment, or service providers

• Utility failures or telecommunications outages

• Changes in laws or regulations that prohibit our operations

In the event of any of the above details beyond our control that lasts more than 90 days, either party may terminate affected obligations without liability.

18. Modifications to Terms

18.1 Right to Modify

We reserve the right to modify, update, or replace these Terms at any time at our sole discretion. Material changes will be communicated via:

• Email to your registered email address

• Notice posted on our website

• In-product notification (where applicable)

18.2 Effective Date of Changes

Changes become effective:

• Immediately upon posting for new customers

• 30 days after notification for existing customers (unless sooner acceptance is required by law)

18.3 Continued Use Constitutes Acceptance

Your continued use of our Products after any modification to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, your sole remedy is to discontinue use of our Products (without entitlement to a refund).

18.4 Version Control

We will maintain version history showing the effective dates of Terms modifications. You may request previous versions by contacting us.

19. Privacy and Data Protection

19.1 Privacy Policy

Your use of our services is also governed by our Privacy Policy, available at: https://www.createastoryyoulove.com/privacy.

The Privacy Policy is incorporated into these Terms by reference.

19.2 Data Collection and Use

By using our Products, you acknowledge and consent to:

• Collection of personal information as described in our Privacy Policy

• Use of cookies, tracking pixels, and similar technologies

• Marketing communications (subject to your opt-out rights)

• Transfer and storage of data in Canada

19.3 EU/UK Users – GDPR Compliance

If you are located in the European Union or United Kingdom:

• You have additional rights under GDPR/UK GDPR

• See our Privacy Policy for details on your rights and our data protection practices

• You may exercise your rights by contacting lorna@createastoryyoulove.com.

• We rely on consent and/or legitimate interests as our legal basis for processing

19.4 California Users – CCPA/CPRA Rights

If you are a California resident:

• You have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)

• See our Privacy Policy for details on your privacy rights

• You may submit requests via lorna@createastoryyoulove.com.

• We do not sell your personal information

19.5 Data Security

While we implement reasonable security measures, we cannot guarantee absolute security. You acknowledge the inherent risks of internet transmission and electronic storage.

20. SMS/Text Messaging Terms

20.1 Consent to Receive SMS

By providing your phone number at checkout, through a lead form, or by engaging with our keyword opt-in campaigns, you expressly consent to receive recurring automated promotional and personalized marketing text messages (e.g., course updates, exclusive offers, launch announcements, cart abandonment reminders) Lorna Faith Author(Also known as Create A Story You Love Or Lorna Faith Kopp).

20.2 Message Details

• Message Frequency: Message frequency varies depending on your activity and our promotions. You may receive up to 10 messages per month, but frequency may be higher during launch periods.

• Message & Data Rates: Message and data rates may apply based on your mobile carrier’s plan. We are not responsible for any charges incurred.

• Supported Carriers: Our SMS program works with most major U.S. carriers, but availability may vary.

20.3 Opt-Out and Help

• To Unsubscribe: Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message to opt out

• For Help: Reply HELP for assistance or contact:lorna@createastoryyoulove.com.

• Confirmation: You will receive a one-time confirmation message when you opt out

20.4 Not a Condition of Purchase

Consent to receive SMS is not a condition of any purchase. You may make purchases without providing your phone number or by opting out of SMS at any time.

20.5 Privacy and Data Usage

• We will never sell or share your mobile number with third parties for their marketing purposes

• Your mobile data will be handled in accordance with our Privacy Policy

• We use your phone number only for the SMS program and related customer service

20.6 Changes to SMS Program

We reserve the right to modify or discontinue the SMS program at any time. We will provide notice of material changes when reasonably possible.

21. User-Generated Content and Community Guidelines

21.1 Submission of Content

Some of our Products may include community features such as forums, comments, chat groups, or social media communities where you can submit content. By submitting any content, you:

• Grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display your submission for operational and marketing purposes

• Represent that you own or have rights to the content submitted

• Waive any moral rights in the content

• Agree not to submit content that is illegal, harmful, defamatory, or infringes on third-party rights

21.2 Community Guidelines

You agree not to:

• Harass, bully, or threaten other community members

• Share false, misleading, or deceptive information

• Spam or engage in excessive self-promotion

• Share others’ private information without consent

• Promote illegal activities or prohibited products/services

• Impersonate others or misrepresent your affiliation

21.3 Moderation Rights

We reserve the right to:

• Monitor, edit, or remove any user-generated content

• Suspend or ban users who violate community guidelines

• Take no action regarding user content, as we are not obligated to moderate

21.4 No Liability for User Content

We are not responsible for user-generated content and disclaim all liability for any harm arising from such content. Users are solely responsible for their own submissions.

22. Entire Agreement and Terms to Sever agreement

22.1 Entire Agreement

These Terms, together with our Privacy Policy and any Product-specific terms, constitute the entire agreement between you and Lorna Faith Author (DBA as Create A Story You Love and also known as Lorna Faith Kopp), regarding your use of our Products and supersede all prior or contemporaneous communications, proposals, or agreements.

22.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

22.3 No Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. No waiver shall be effective unless made in writing and signed by an authorized representative of Lorna Faith Author also known as Lorna Faith Kopp.

22.4 Headings

Section and subsection headings are for convenience only and shall not affect the interpretation of these Terms.

23. Assignment

23.1 Our Right to Assign

We may assign, transfer, or delegate our rights and obligations under these Terms to any third party without your consent, including in connection with a merger, acquisition, sale of assets, or by operation of law.

23.2 Your Restrictions

You may not assign, transfer, or delegate your rights or obligations under these Terms without our prior written consent. Any attempted assignment in violation of this section is void.

24. Electronic Communications and Signatures

24.1 Consent to Electronic Communications

You consent to receive communications from us electronically, including via email, SMS, or through our platform. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

24.2 Electronic Signatures

By checking a box, clicking a button, or completing a purchase on our platform, you are providing a legally binding electronic signature that has the same force and effect as a handwritten signature.

25. Specific Compliance Statements

25.1 FTC Compliance

We comply with the Federal Trade Commission Act and related regulations, including:

• 16 CFR Part 255 (Guides Concerning Use of Endorsements and Testimonials)

• Section 5 prohibitions on deceptive advertising

• Requirements for clear and conspicuous disclosures

25.2 CAN-SPAM Compliance

Our email marketing complies with the CAN-SPAM Act:

• We provide clear identification in all emails

• Subject lines accurately reflect content

• We include our physical business address

• We honor opt-out requests within 10 business days

• We do not use deceptive headers or routing information

25.3 TCPA Compliance

Our SMS and telephone marketing complies with the Telephone Consumer Protection Act (TCPA):

• We obtain express written consent before sending marketing texts

• We provide clear opt-out mechanisms

• We maintain internal do-not-call/text lists

• We honor opt-out requests immediately

25.4 Payment Card Industry (PCI) Compliance

While we do not directly process or store payment card information (this is handled by our payment processors), we maintain PCI DSS compliance standards for any card data that may transit through our systems.

25.5 Stripe Terms Compliance

By making a payment through Stripe, you agree to be bound by Stripe’s Services Agreement and applicable policies, available at https://stripe.com/legal. We comply with Stripe’s requirements for merchant conduct and user data protection.

26. Accessibility

26.1 Accessibility Commitment

We strive to make our Products accessible to individuals with disabilities in accordance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA, though we do not guarantee full compliance.

26.2 Accommodation Requests

If you require accommodation to access our Products due to a disability, please contact us at lorna@createastoryyoulove.com. We will make reasonable efforts to provide accommodation where possible, though we cannot guarantee all requests can be fulfilled.

27. International Users

27.1 Eligibility by Location

Our Products are intended for users in jurisdictions where such Products are legal. You are responsible for ensuring your use complies with local laws.

27.2 Export Controls

You agree not to export, re-export, or transfer our Products or any technical data derived from them in violation of Canadian or U.S. export control laws or regulations.

27.3 Currency and Language

Unless otherwise specified, all prices are in U.S. Dollars and all content is provided in English. We do not guarantee accurate translation into other languages.

28. Contact Information

If you have any questions about these Terms & Conditions, please contact us at:

Email: lorna@createastoryyoulove.com.

Business Address:

Lorna Faith Author

PO Box 2639

Didsbury, Alberta, Canada T0M 0W0

Response Time: We strive to respond to inquiries within 2-3 business days.

29. Acknowledgment and Acceptance

BY COMPLETING YOUR PURCHASE, CHECKING THE ACCEPTANCE BOX, OR USING OUR PRODUCTS, YOU ACKNOWLEDGE THAT:

1. You have read these Terms & Conditions in their entirety

2. You understand these Terms and agree to be bound by them

3. You have had the opportunity to seek independent legal advice if desired

4. You are entering into a legally binding agreement

5. You waive any claim that these Terms are invalid, unenforceable, or not legally binding

6. You understand the no-refund policy and assume all risks associated with your purchase

Last Updated: August 2026.

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These Terms & Conditions are subject to change. Continued use after changes constitutes acceptance of modified Terms.