Terms and Conditions
INTRODUCTION
Kristi Rae Millsap (“KRM”) makes available information, materials, and products on this Website, subject to the following terms and conditions. By accessing this site, you agree to all the terms and conditions as outlined in this legal notice, without modification and warrant that you will not use this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. KRM reserves the right to change these terms and conditions from time to time at its sole discretion.
         
COPYRIGHT
Limited License. The information on this Website is protected by copyright. All contents of this Website are:
         
Copyright © 2012–2025 by Kristi Rae Millsap.
         
KRM retains all copyrights in any text, graphic images, and software owned by KRM and hereby authorizes you to electronically copy documents published herein solely for the purpose of transmitting or viewing the information. You may not mirror, modify or otherwise alter any files in this Website for rebroadcast, or print the information contained therein, without written permission from KRM. No portion of the information on this Website may be reproduced in any form or by any means without the prior written permission from KRM. You may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. Except as expressly provided above, nothing contained herein shall be construed as conferring any license or right under any KRM copyright, patent or trademark. In the event of any permitted copying, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend(s) or copyright notice(s) shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material.
         
USE OF Website INFORMATION
         
Except as otherwise indicated elsewhere on this site, you may view, copy, print, and distribute documents available on this Website subject to the following conditions:
         
• The documents and information may be used solely for personal, informational, non-commercial purposes;
         
• The document may not be modified or altered in any way;
         
• Any copy of the document or portion thereof must include the copyright notice above and this permission notice; and
         
• KRM reserves the right to revoke such authorization at any time, and any such use shall be discontinued immediately upon written notice from KRM.
         
Documents specified above do not include the design or layout of this Website. Elements of this Website are protected by trade dress and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any KRM Website may be copied or retransmitted unless expressly permitted by KRM.
         
WARRANTIES & DISCLAIMERS
         
EXCEPT AS EXPRESSLY PROVIDED OTHERWISE IN A WRITTEN AGREEMENT BETWEEN YOU AND KRM, ALL MATERIALS AND SERVICES ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF SUITABILITY FOR A YOUR INTENDED PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, KRM MAKES NO WARRANTY THAT (i) THE CONCEPTS, SERVICES, AND MATERIALS WILL BRING THE YOU FINANCIAL INDEPENDENCE, RELIEF, OR ANY OTHER MEASURABLE OR NON-MEASURABLE IMPROVEMENT IN ANY ASPECT OF YOUR LIFE (ii) THE SERVICES AND MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR MATERIALS WILL BE ACCURATE OR RELIABLE, AND (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION PURCHASED OR OBTAINED BY YOU FROM THE SITE WILL MEET YOUR EXPECTATIONS. SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY MAY LAST, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT PERMISSIBLE, ANY IMPLIED WARRANTIES ARE LIMITED TO NINETY (90) DAYS.
         
THIS SITE COULD INCLUDE TECHNICAL OR OTHER MISTAKES, INACCURACIES OR TYPOGRAPHICAL ERRORS. KRM MAY MAKE CHANGES TO THE MATERIALS AND SERVICES AT THIS SITE, INCLUDING THE PRICES AND DESCRIPTIONS OF ANY PRODUCTS OR SERVICES LISTED HEREIN, AT ANY TIME WITHOUT NOTICE. THE MATERIALS OR SERVICES AT THIS SITE MAY BE OUT OF DATE, AND KRM MAKES NO COMMITMENT TO UPDATE SUCH MATERIALS OR SERVICES. KRM ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION, DOCUMENTS, SOFTWARE, MATERIALS AND/OR SERVICES WHICH ARE REFERENCED BY OR LINKED TO THIS SITE. REFERENCES TO OTHER CORPORATIONS, THEIR SERVICES AND PRODUCTS, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL KRM OR ITS SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT KRM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY Website REFERENCED OR LINKED TO FROM THIS SITE. SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND WITH YOUR AGREEMENT THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIALS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM KRM OR THROUGH OR FROM THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS OF USE.
         
This Website can be accessed from other countries around the world and may contain references to KRM products, services, and programs that have not been announced in your country. These references do not imply that KRM intends to announce such products, services or programs in your country. Contact KRM for further information before relying on any information contained herein.
         
Should you choose to respond directly to KRM with any information including comments, questions, suggestions, ideas or the like relating to this Website or KRM products and services, you agree that such information shall be deemed as non-confidential and KRM shall have no obligation to respond and be free to reproduce, use, disclose and distribute the information to others without limitation, including but not limited to developing, manufacturing, and marketing products incorporating such information.
         
MINORS
         
If you are not at least 18 years old, you must have parental permission to use this website. By using this site, you warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement and to use this Website in accordance with all terms and conditions herein. You agree to be financially responsible for all of your use of this Website (as well as for use of your account by others, including, without limitation, minors living with you). You agree to supervise all usage of this Website by minors under your name or account. You also warrant that all information supplied by you or members of your household in using this Website is true and accurate. Without limitation, any speculative, false, or fraudulent reservation or any reservation in anticipation of demand is prohibited. You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of this Website.
         
FEEDBACK
         
Confidential Information.
Please note that, with the exception of email addresses or credit card numbers, KRM does not want to receive confidential or proprietary information from you through our Website. Any non-personal information or material sent to KRM will be deemed NOT to be confidential.
         
By sending KRM any non-personal information or material, you grant KRM an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that KRM is free to use any ideas, concepts, know-how or techniques that you send us for any purpose.
         
LINKS TO THIRD-PARTY Websites
         
This Site contains links to third-party Websites that are not under the control of KRM. KRM is not responsible for the contents of such sites and makes no representations whatsoever about any other Website to which you may have access through this Site. When you access a non-KRM Website, you do so at your own risk and KRM is not for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites or for the quality of any products or services available on such sites. KRM provides these links merely as a convenience and the inclusion of such links does not imply that KRM endorses or accepts any responsibility for the content or uses of such Websites.
         
GOVERNING LAW & JURISDICTION
         
This Website (excluding linked sites) is controlled by KRM from its offices within the state of Minnesota, United States of America. By accessing this Website, you and KRM agree that all matters relating to your access to, or use of, this Website shall be governed by the statutes and laws of the State of Minnesota, U.S.A., without regard to the conflicts of laws principles thereof. You and KRM also agree and hereby submit to the exclusive personal jurisdiction of the Scott County District Court and the United States District Court for the 1st Judicial District of Minnesota with respect to all such matters and disputes arising out of or relating to this Website. Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation, this paragraph. KRM makes no representation that materials on this Website are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.
         
TRADEMARK & DOMAIN INFORMATION
         
The trademarks, logos and service marks (“Marks”) displayed on this Website are the property of KRM or other third parties. You are not permitted to use the Marks without the prior written consent of KRM or such third party, which may own the Marks. Other product and company names mentioned herein may be the trademarks of their respective owners. Nothing contained in these Web pages should be construed as granting or permitting any right to use such trademarks.
         
CONFIDENTIAL INFORMATION
         
PRIVACY. Please note that, with the exception of credit card numbers, KRM does not want to receive confidential or proprietary information from you through our Site. Any non-personal information or material sent to KRM will be deemed NOT to be confidential. By sending KRM any non-personal information or material, you grant KRM an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that KRM is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. To learn more about how KRM protects your personal information, such as your name and address, please refer to the KRM Online Privacy Policy.
         
GENERAL
         
You agree that no joint venture, partnership, employment, or agency relationship exists between you and KRM as a result of this agreement or use of this Website.
         
KRM’s Performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of KRM’s right to comply with law enforcement requests or requirements relating to your use of this Website or information provided to or gathered by KRM with respect to such use.
         
If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
         
This agreement constitutes the entire agreement between the customer and KRM with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the customer and KRM, with respect to this Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
         
______________________________
         
TRANSFER / CANCELLATION POLICY
         
Refund Policy for Events and Program Registrations:
         
Kristi Rae Millsap promotes each course well in advance. Once an event or course becomes sold out, it is no longer promoted. Any requests for transfers after that point result in a loss of revenue for KRM. Due to the short notice, we also lose the ability to fill your seat and the revenue of potentially selling the new seat. This policy will be strictly enforced and your cooperation is greatly appreciated.
         
Our Cancellation policy offers the following options:
         
When you register you have 72 hours to cancel and receive a full refund. All cancellations must be in writing and delivered by email to support@kristimillsap.com. Cancellation notice will be deemed to be the date which the written notification is sent.
         
If for any reason you cannot attend the event, you will forfeit the course with no refund.
         
Should you fail to notify KRM in writing of any changes within 72 hours of registration, and not “attend” the event, there will be no refunds, credits or transfers. In this case you forfeit any registration paid to Kristi Rae Millsap.
         
In the unlikely event that we must reschedule your event, you will be given the option to keep your registration for the new date, or receive a refund. No cancellation or transfer fees will apply.
         
If any installment payment should default, you will have seven (7) days to rectify the situation. If you should default on any installment payment the result may be cancellation for the registered event and the Cancellation Policy will apply. An N.S.F. or credit card decline will result in a $20 insufficient funds fee.
         
All dates and locations are subject to change without notice.
         
Refund Policy for Coaching Programs:
         
Because KRM can only work with a limited number of participants in programs each year, once you have registered for coaching programs or a coaching event, you have 72 hours to change your mind and request a full refund via the email you signed up through. After 72 hours, there are no refunds. There cannot be a guarantee your success, because there is no guarantee what you will do with the information shared with you. While others have used the information to make a six or seven-figure income, the work you do will probably NOT produce significant results immediately. There is a gestation period connected to your success. Each individual comes into each program with different levels of expertise and experience. The training and information is designed to help you succeed, but it does not replace the necessary work you will need to do to implement the strategies and tips that are shared.        

Privacy Policy Effective date: March 1, 2021 

Kristi Rae Millsap (“us”, “we”, or “our”) operates the following websites (the “Service”): www.kristimillsap.com This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from http://www.kristimillsap.com 

Definitions
Service – Service is the http://www.kristimillsap.com website, and all other related websites listed above, operated by Kristi Rae Millsap Personal Data – Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data – Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies – Cookies are small pieces of data stored on your device (computer or mobile device).
Data Controller – Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed. For the purpose of this Privacy Policy, we are a Data Controller of your Personal Data.
Data Processors (or Service Providers) – Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
Data Subject (or User) – Data Subject is any living individual who is using our Service and is the subject of Personal Data.
Information Collection and Use We collect several different types of information for various purposes to provide and improve our Service to you.
 Types of Data Collected
Personal Data While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to: Email address First name and last name Phone number Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send. Usage Data We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. Location Data We may use and store information about your location if you give us permission to do so (“Location Data”). We use this data to provide features of our Service, to improve and customize our Service. You can enable or disable location services when you use our Service at any time, through your device settings.
Tracking & Cookies Data We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Advertising Cookies. Advertising Cookies are used to serve you with advertisements that may be relevant to you and your interests.
Use of Data Kristi Rae Millsap uses the collected data for various purposes: To provide and maintain our Service To notify you about changes to our Service To allow you to participate in interactive features of our Service when you choose to do so To provide customer support To gather analysis or valuable information so that we can improve our Service To monitor the usage of our Service To detect, prevent and address technical issues To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
Legal Basis for Processing Personal Data Under General Data Protection Regulation (GDPR) If you are from the European Economic Area (EEA), Kristi Rae Millsap legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it. Kristi Rae Millsap may process your Personal Data because: We need to perform a contract with you You have given us permission to do so The processing is in our legitimate interests and it’s not overridden by your rights For payment processing purposes To comply with the law Retention of Data Kristi Rae Millsap will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. Kristi Rae Millsap will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods. Transfer of Data Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. Kristi Rae Millsap will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Disclosure of Data Disclosure for Law Enforcement Under certain circumstances, Kristi Rae Millsap may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency). Legal Requirements Kristi Rae Millsap may disclose your Personal Data in the good faith belief that such action is necessary to: To comply with a legal obligation To protect and defend the rights or property of Kristi Rae Millsap To prevent or investigate possible wrongdoing in connection with the Service To protect the personal safety of users of the Service or the public To protect against legal liability Security of Data The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. “Do Not Track” Signals Under California Online Privacy Protection Act (CalOPPA) We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
Your Data Protection Rights Under General Data Protection Regulation (GDPR) If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Kristi Rae Millsap aims to take reasonable steps to allow you to correct, amend, delete, or limit the use of your Personal Data. If you wish to be informed what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights: The right to access, update or to delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you. The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete. The right to object. You have the right to object to our processing of your Personal Data. The right of restriction. You have the right to request that we restrict the processing of your personal information. The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format. The right to withdraw consent. You also have the right to withdraw your consent at any time where Kristi Rae Millsap relied on your consent to process your personal information. Please note that we may ask you to verify your identity before responding to such requests. You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data.
For more information, please contact your local data protection authority in the European Economic Area (EEA). Service Providers We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Analytics We may use third-party Service Providers to monitor and analyze the use of our Service. Google Analytics – Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en Advertising We may use third-party Service Providers to show advertisements to you to help support and maintain our Service. Google AdSense & DoubleClick Cookie – Google, as a third party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other websites on the Internet. You may opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads Settings web page: http://www.google.com/ads/preferences/
Payments We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information. The payment processor we work with is: PayPal. Their Privacy Policy can be viewed at https://www.paypal.com/webapps/mpp/ua/privacy-full
Links to Other Sites Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Children’s Privacy Our Service does not address anyone under the age of 18 (“Children”). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
Changes to This Privacy Policy We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. Contact Us If you have any questions about this Privacy Policy, please use the email form to reach out.  

2025 Kristi Rae Millsap MBA - All Rights Reserved Design by K2BC Services