KATYA MELVIN LLC

TERMS & CONDITIONS OF PAYMENT

(Applies to Coaching Services & Photography Services)

LAST UPDATED: 12/13/2025

By submitting payment electronically, clicking “I Agree,” entering payment information, signing electronically, or otherwise authorizing payment to Katya Melvin LLC (“Company”), you (“Client”) acknowledge, understand, and agree to the following Terms & Conditions. These Terms apply to all services and products, including coaching services and photography services.

1. PAYMENT AUTHORIZATION & ACKNOWLEDGMENT

1.1 Affirmative Authorization.
By completing payment, Client affirmatively authorizes Company to charge the payment method provided for the full amount selected, including any installment payments.

1.2 Binding Agreement.
Electronic payment constitutes a legally binding agreement and serves as Client’s electronic signature under applicable electronic signature laws.

1.3 Evidence of Consent.
Client agrees that payment confirmation records, timestamps, IP addresses, checkout logs, invoices, and email confirmations constitute valid evidence of authorization in the event of a payment dispute or chargeback.

2. ALL SALES FINAL – NO REFUNDS

ALL PAYMENTS ARE FINAL, NON-REFUNDABLE, AND NON-REVERSIBLE.

Client expressly understands and agrees that:

  • No refunds will be issued under any circumstances.
  • No partial refunds will be issued.
  • No chargebacks are permitted.

This applies regardless of:
• Participation level
• Attendance
• Scheduling issues
• Emotional response
• Dissatisfaction
• Change of mind
• Failure to use services

Client waives any right to dispute or reverse charges once payment is submitted.

3. PAYMENT PLANS & INSTALLMENTS

3.1 Not Month-to-Month.
Payment plans do not constitute a subscription or month-to-month agreement. The full purchase price is owed.

3.2 Automatic Billing.
Client authorizes Company to automatically charge all remaining installments to the payment method on file.

3.3 Failed Payments.
If a payment fails, Company may:

  • Retry the charge,
  • Require updated payment information,
  • Suspend services or access,
  • Accelerate the remaining balance.

4. PHOTOGRAPHY SERVICES — PERFORMANCE & DELIVERY

4.1 Service Rendered.
Photography services are considered rendered and earned once the session date is reserved and preparation begins.

4.2 No-Show / Cancellation.
Failure to attend a scheduled session or cancellation outside the permitted window results in forfeiture of all fees paid.

4.3 Creative Discretion.
Client acknowledges that photography is a creative service and that artistic style, posing, and final images are subjective and not grounds for dispute or refund.

5. COACHING SERVICES — EDUCATIONAL NATURE

5.1 No Guarantees.
Client understands coaching services are educational and experiential only. Company makes no promises regarding outcomes, results, income, emotional changes, or transformation.

5.2 Client Responsibility.
Client is solely responsible for participation, implementation, and results.

6. CHARGEBACK & DISPUTE PROHIBITION

6.1 No Chargebacks Permitted.
Client agrees not to initiate any chargeback, payment dispute, or reversal through their bank or payment processor.

6.2 Breach of Agreement.
Any chargeback or dispute initiated by Client constitutes a material breach of this Agreement.

6.3 Chargeback Liability.
Client agrees to be financially responsible for:

  • Chargeback fees,
  • Administrative fees,
  • Collection costs,
  • Legal fees incurred by Company.

6.4 Rebuttal Evidence Consent.
Client expressly consents to Company submitting this Agreement, payment records, emails, session logs, delivery confirmations, and any communications as evidence to Stripe, Square, PayPal, banks, and card issuers.

7. INTELLECTUAL PROPERTY & IMAGE RIGHTS

7.1 Coaching Materials.
All coaching materials are proprietary and licensed for personal use only. No redistribution permitted.

7.2 Photography Copyright.
Company retains full copyright to all images unless otherwise stated in writing. Client receives usage rights only as defined at purchase.

8. ASSUMPTION OF RISK

Client voluntarily assumes all risks associated with coaching and photography services, including emotional responses, self-reflection, and personal discomfort. Company is not responsible for Client’s reactions or interpretations.

9. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

  • Company is not liable for indirect, incidental, or consequential damages.
  • Company’s total liability shall not exceed the lesser of:
    (a) the amount paid by Client in the one (1) month preceding the claim, or
    (b) $1,000.

10. NON-DISPARAGEMENT

Client agrees not to publish false, misleading, or defamatory statements about Company, its staff, or services.

11. GOVERNING LAW & VENUE

This Agreement shall be governed by the laws of the State of North Carolina. Any dispute shall be resolved exclusively in North Carolina.

12. ENTIRE AGREEMENT

These Terms & Conditions constitute the entire agreement regarding payment and services and supersede all prior communications.

13. ELECTRONIC ACCEPTANCE

By submitting payment, Client affirms that they:

  • Read this Agreement in full,
  • Understand the no-refund policy,
  • Agree to all terms,
  • Authorize payment without reservation.

CONTACT

Except as otherwise required in these Terms of Use, or under applicable law, all notices and communications which you may send to the Company should be sent to us via email to hello@katyamelvin.com