Terms of Use and Disclaimer

1. Agreement

These terms are an agreement between you and Rachael J Katz. By using RachaelJKatz.com, sending a message through it, or reading The Possible, you agree to them. If you do not agree, please do not use the site.

2. Education, not advice

Everything on this site, in Rachael's books, and in The Possible is general education and personal perspective. It is not financial, legal, tax, investment, or medical advice. The Faith and Wellness pages share Rachael's personal testimony, and wellness content does not replace care from a licensed professional. Please talk with a qualified professional before making a decision that depends on your own situation.

3. No guarantee of results

Stories and examples on this site describe individual experiences. They do not promise the same outcome for anyone else. Results vary.

4. Key 2 Debt Free and partners

Key 2 Debt Free LLC and the partners named on the Wealth page are separate, independent businesses with their own terms. Any work you do with them is between you and them, and we are not responsible for their services or decisions.

5. Using the site

Use the site lawfully and do not misuse it or try to access what you are not authorized to. You are responsible for your own decisions, and you agree to cover any claims that come from misusing the site. The text, photographs, design, Open Circle mark, Rachael J Katz name, and book titles and covers belong to Rachael J Katz. You may view and share the site for personal use, but not copy it for other purposes without written permission. Links to other sites are for convenience, and those sites have their own terms.

6. Limits of our responsibility

The site is provided as is, without warranties of any kind. To the fullest extent the law allows, Rachael J Katz is not liable for indirect or consequential losses that come from using the site or relying on it.

7. Florida law

These terms are governed by Florida law, and any dispute will be handled in the courts located in Florida, unless the law gives you a different right.

8. Changes

If we update these terms, we will change the date at the top. Using the site after an update means you accept them.

9. How to contact us