Privacy & Terms
Privacy Policy
Effective Date: 10/10/2025
1. Introduction
Welcome to The Catholic Life Coach . Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.karlafitz.com or participate in our coaching programs, courses, or email communications (collectively, the “Services”).
By using our Services, you consent to the terms outlined in this Privacy Policy. If you do not agree, please discontinue use of our website and Services.
2. Information We Collect
We may collect the following types of information from you:
Personal Information You Voluntarily Provide
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Name
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Email address
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Phone number
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Billing and payment information (processed securely through third-party providers)
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Any information you share during coaching sessions, form submissions, or when contacting us directly
Automatically Collected Information
When you visit our website, we may automatically collect:
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IP address
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Browser type and version
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Device type and operating system
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Pages visited, time spent, and referring website
We use cookies and similar technologies to improve site performance and user experience.
3. How We Use Your Information
We use your information to:
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Provide and improve our coaching services and online content
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Process payments and manage your account
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Communicate with you about sessions, updates, or promotions
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Send newsletters, devotional reflections, or marketing emails (only if you’ve opted in)
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Respond to your questions and support requests
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Comply with legal, accounting, or regulatory requirements
4. How We Protect Your Information
We implement reasonable technical and organizational measures to protect your personal information. Payment data is encrypted and processed through secure third-party payment gateways.
While we do our best to safeguard your data, no online transmission or storage system is 100% secure. You share information with us at your own risk.
5. Sharing Your Information
We do not sell, rent, or trade your personal information. We may share limited data with:
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Service providers who help operate our website or deliver services (e.g. email marketing platforms, payment processors, scheduling tools)
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Legal authorities, if required by law or to protect our rights or others’ safety
All third-party partners are required to handle your data responsibly and in compliance with privacy laws.
6. Your Data Rights
Depending on your location, you may have the right to:
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Access, correct, or delete your personal data
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Withdraw consent for marketing communications
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Request a copy of the information we hold about you
You can do this at any time by contacting us at [insert email address].
Every marketing email we send includes an unsubscribe link at the bottom.
7. Retention of Information
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, or resolve disputes.
8. Children’s Privacy
Our Services are intended for adults. We do not knowingly collect personal data from children under 18. If you believe a child has provided us personal information, please contact us immediately and we will delete it.
9. Third-Party Links
Our website may include links to third-party websites (e.g., payment processors, partners, or social media). We are not responsible for the privacy practices or content of those sites. Please review their privacy policies before sharing your information.
10. Updates to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated “Effective Date.” Continued use of our Services after any changes constitutes acceptance of the revised policy.
11. Contact Us
If you have any questions or requests regarding this Privacy Policy, please contact us at:
The Catholic Life Coach
Website: www.karlafitz.com
Terms & Conditions
Effective Date: 10/10/2025
Welcome to The Catholic Life Coach. These Terms & Conditions (“Terms”) govern your use of our website www.karlafitz.com and participation in our coaching services, programs, or courses (collectively, “Services”).
By accessing or using our Services, you agree to be bound by these Terms. Please read them carefully before using this site or enrolling in any coaching program.
1. Purpose of Services
The Catholic Life Coach provides faith-based life and business coaching to support Catholic women in living with clarity, confidence, and purpose. Coaching is intended for personal and spiritual growth, not as a substitute for professional mental health, medical, or legal advice.
You understand that coaching is not therapy, counseling, or medical treatment. If you need such services, we encourage you to seek them from a qualified professional.
2. Eligibility
You must be at least 18 years old to use our Services. By enrolling, you represent that all information you provide is accurate, complete, and current.
3. Payments & Refunds
All payments for coaching services or programs must be made in full or according to the payment plan selected at the time of purchase.
Because coaching involves a time, energy, and scheduling commitment, all sales are final. Refunds are not offered except in extraordinary circumstances at our discretion.
If you choose a payment plan, you agree to complete all payments, even if you decide to discontinue participation early.
4. Scheduling & Cancellations
For private coaching sessions, please provide at least 24 hours’ notice if you need to reschedule. Missed sessions without notice may be forfeited.
Group calls and program sessions are recorded when possible for your convenience. Access to recordings is provided at our discretion.
5. Intellectual Property
All materials shared through our programs, calls, PDFs, workbooks, videos, and online content are the property of The Catholic Life Coach.
You are granted limited access for personal use only. You may not copy, distribute, modify, or share materials publicly without written consent.
6. Confidentiality
We value your trust. Anything shared in coaching sessions or group spaces is treated as confidential.
However, please note that coaching groups involve multiple participants, and while confidentiality is encouraged, we cannot guarantee other members’ actions.
We may disclose limited information if required by law, such as in cases of potential harm, abuse, or threats to safety.
7. Disclaimer of Results
Every woman’s journey is unique. While many clients experience transformation, peace, and clarity, we cannot guarantee specific results.
Your success depends on your effort, openness, and commitment to the process. By enrolling, you acknowledge that you are fully responsible for your decisions, results, and actions during and after coaching.
8. Limitation of Liability
To the fullest extent permitted by law, The Catholic Life Coach shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Services or participation in our programs.
You agree to release, indemnify, and hold harmless The Catholic Life Coach, its owner, employees, and affiliates from any and all claims related to your experience, results, or use of materials provided.
9. Third-Party Links
Our Site may contain links to third-party websites for convenience. We are not responsible for their content, accuracy, or privacy practices. Access these links at your own risk.
10. Termination of Access
We reserve the right to remove participants from coaching programs or community spaces for behavior that is disrespectful, harmful, or inconsistent with the values of this faith-based environment.
No refunds will be given in such cases.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.
12. Updates to Terms
We may revise these Terms at any time. Updates will be posted on this page with a new “Effective Date.” Continued use of our Site or Services after changes are posted constitutes acceptance of those changes.
13. Contact Us
If you have any questions or requests regarding this Privacy Policy, please contact us at:
The Catholic Life Coach
Website: www.karlafitz.com