Let's Create the Life You Truly Want to Live

Start with my Free Guide "4 Reasons You're Unfulfilled"

Send it to Me!

Hi, I'm Karin.

If you found your way here, you're most likely feeling like you're not quite where you want to be and that it should be easier to create the life you truly want to live.

I understand. I've been there. 

Here's the good news! Whether you need a few tweaks or a total transformation, I can help you move forward and reach your dreams, starting right where you are.

LIFE COACHING FOR TEENS
Meet Me
Whole Life Coach

EDUCATOR, SPEAKER 

LIFE + SUCCESS COACH TO BUSY PARENTS AND THEIR TEENS

LET'S WORK TOGETHER

How Can I Best Serve You?

For Adults

It's easy to get stuck on life's hamster wheel. 

If you're not where you want to be, the best time to focus on what you really want from life is right now!

Choose from self-study, a workshop or individual coaching.

see programs for adults

For Teens

What comes after high school for your teen? 

Whether they're headed to college or in another direction, don't you want more confidence they'll be ready when the time comes? 

I've got the resources you need!

see programs for teens

Speaking

Karin is a sought after speaker who is dedicated to helping time-crunched families create the lives they truly want to live.

Your group will be inspired by her energy and ability to empathetically connect with their needs and concerns.

learn more

Visit The Blog

Grab a cup-a-coffee, a notebook and pen. The blog is filled with all kinds of tips, ideas and resources to help you create the life you truly want to live.

Take Me There!

Let's get you started right now!

Discovering the life you truly want to live is easier than you think!

My Free Guide, "4 Reasons You're Unfulfilled" will help you identify what's holding you back and give you easy changes you can make to create more happiness and harmony in life right now.

Grab the Guide

How I went from feeling stuck on life's hamster wheel to loving life.

Do you ever wish somebody could come into your life, understand you and your situation, offer critical advice and guide you to better results?

That's exactly how I used to feel.


Happy, Unhappy & Every Emotion In Between

Over the years there were times I felt like I was doing a great job as a mother; my kids were happy, they weren’t fighting with each other and I felt balanced. 

You know–the mommy routine: packing the lunches, helping with homework, shuttling to activities, putting healthy meals on the table and keeping the house reasonably clean, and for some of us while holding down a career.  

Then there were times, more often than I like to admit, that I felt like I was failing miserably; there wasn’t enough time leftover after the work was done to play, to talk, to just hang out together. I felt like there was more–like something was missing. Time was flying by.  

All of the sudden, my oldest hit that age where we had to start evaluating colleges. We had access to good planning resources through our schools. But it wasn’t enough. It only touched the tip of the iceberg.  

As we talked with our daughter about what she wanted to do when she grew up, I realized how much she still needed to learn about who she was, as a person, before she could make those decisions. Decisions like “where do I want to go to college”, “what do I want to major in,” and “is college even the right next step.” What she was really saying was, “someone please help me understand what should I be doing with my life.”  

I realized what a challenge that answer really is. Because after all, it’s hard to know what your life’s passion and purpose is when you’re an adult, much less a kid!

I Knew There Had To Be a Better Way

I believed I could help my children figure it all out. 

At the same time, I knew I couldn’t wait any longer to achieve all the things I dreamed about, things that got lost in the busy-ness of life. It was time to start living the life I truly wanted to live.  

Since I couldn’t find a resource that had all the information I needed in one place, I became that resource. I took the best-of-the-best of what I’d learned over the course of my life and career, tweaked and combined it with some tools I designed for myself and created a system to help my family achieve their dreams.


choose your dreams

WOULD YOU LIKE TO AVOID THE TRIAL-AND-ERROR I EXPERIENCED?

My programs aren't about being the best, they're about being your best.

It's about believing in yourself and learning to create harmony across all four facets of life – you, your relationships, your contribution and your money. That's what makes you feel whole and fulfilled.

ARE YOU READY TO MAKE IT HAPPEN, ONCE AND FOR ALL?

I'm guessing you are. That's why you're here. Did you feel that little shiver of excitement just now? Trust it. And feel confident that you're in the right place at the right time.

This is just what you've been looking for!

Let's Get You Started!

Discovering the life you truly want to live is easier than you think!

Start Here


Keynote Speaking

Karin Ulik is a sought-after speaker who is dedicated to helping time-crunched families get off life's hamster wheel, gain clarity in our noisy world and create the lives they truly want to live. 

Her interactive, educational programs teach busy parents and their teens how to live a whole, fulfilled life. And we all know, happiness and fulfillment in life leads to better productivity and engagement in the workplace.

Karin uses her life experience and expertise to empower and connect with both adult and teen audiences. She's spoken before groups as small as 20 and as large as 2000. Your group will be inspired by her energy and ability to empathetically connect with their needs and concerns.

HERE ARE KARIN'S 3 MOST POPULAR TALKS

keynote for corporate parents

For Parents of Teens & Tweens

The only thing harder than being a teen is being the parent of a teen! 

Guilt, anger and worry can be constant companions to both teens and their parents!

This workshop focuses on the three key steps to helping your teen prepare for life after high school.

speaker for teen audiences

For Middle & High Schoolers

Preparing for life after high school is confusing and can be filled with pressure. It's not easy to identify your strengths and talents or pave the best path to a successful adulthood.

This workshop answers the three key questions that are on the minds of teens and their parents alike!  

parenting keynote

Customized Presentations

Karin is happy to customize a presentation or workshop for your group. Popular topics include:

Raising empowered and conscious kids

How to create the future you truly want

Learning to succeed on your terms

Let's Chat About Your Event!

PROGRAMS FOR ADULTS

If you're at all like me, your mind is swirling with ideas all the time. Ideas about what you want to do and experience and achieve.

But, it's also swirling with everything you have to get done and questions about whether you can achieve what you want to achieve. Sound familiar?

Let me guess? You're waiting for a good time to focus on what you really want from life.

The best time is right now. When we work together, you'll discover extra time you didn't know you have. And you can use that time to create the life you truly want to live.

Let's go get it!

Read Karin's Story

envision your dream life

Here's what others say:

"I had no idea that Karin was the missing piece to finding balance and taking my control back. Each day I feel like I am making more progress and getting a closer to my goals! I feel better and in more control than I have in over a year!" 

–Missy B, Client

THE ART OF BALANCED LIVING

DIscovering the life you truly want to live is easier than you think!

It starts with eliminating overwhelm and creating a sense of balance.

Maybe you didn't know that's possible? That's what I used to think. 

Once I mastered the simple strategies in this workshop, I felt more confident, capable and in control of my life.

And that changed everything.

Experience the Workshop!

DREAM CAMP FOR GROWN UPS

Do you feel like you're always busy but not getting ahead? Or maybe you have too much to do, yet you're still bored?

Life is full of crossroads. Perhaps you're at one of them or feeling stuck.

If you’re overwhelmed and unsure of who you are or what you want to do, but committed to moving forward, I can help you cross the bridge from where you are to where you want to be. 

Dream Camp starts right where you are and digs into what you want to create for yourself going forward.

Best of all, you'll design a plan to make it happen, right alongside those must-do's that can't be eliminated.

Isn't it time to stop the trial-and-error and claim the life you truly want to live?

uncover how to go after your dreams

Rave Reviews:

"This program has been incredibly empowering. Although successful in my career I was feeling bored and uninspired. Coaching is helping me to reevalute what I want next, both personally and professionally. Now that I am able to dream again new goals are forming and the achiever in me is feeling excited about the future." –Laurie H, Client


envision your dream life

Here's what others say:

"Every single thing you covered was not only relevant, but very beneficial to my life. 

I specifically enjoyed the outline that you covered in the guide because it helped me take action and make immediate changes.

Now I can't wait to keep going with your workshop." –Sara, Client

START WITH MY FREE GUIDE

4 REASONS YOU'RE UNFULFILLED

Are you feeling like you can't keep up in life and your dreams got left behind?

There are four key reasons that lead most people to feel unfulfilled, drained and like there should be something more to life.

I put those four things into a guide along with actionable tips you can use immediately to discover more balance and satisfaction in life. 

And, I’m offering it to you for free so you can begin to build a plan to live life the way you envision!

Get the Guide!

Have another idea in mind?

I'd love to help. Connect with me directly with questions or to discuss individual coaching options.

PROGRAMS FOR TEENS

The only thing harder than being a teen is being the parent of a teen! Over the years, I've heard many friends and acquaintances say things like:

"It's hard to choose a major when you're so young."

"Maybe my child isn't ready for college. But I'm afraid for him not to go."

And my personal favorite: "How can you know how you want to spend your life when you're a teen. I'm 40-something and I still don't know what I want to do."

But not to worry, I've got you covered. I experienced these comments when my kids were teens and I knew there had to be a way to figure it all out. My programs save you from the trial-and-error I experienced!

Read Karin's Story

uncover how to go after your dreams

Here's what others say:

"College feels like something that is expected of me but I wasn't sure I wanted to go. Dream Camp helped me clarify my career interests, what I need from a school and how it fits with who I am. I'm still not totally sure what I want to do for a living but I finally have a plan that will help me decide and I feel confident in taking the next steps." -Katy L, High School Student

DREAM CAMP

What comes after high school for your teen? Perhaps it's college. But does your teen know where they want to go and what they want to study? 

More importantly, how does that fit with what they want from life?

Are you confident your teen is prepared to be on their own? Is your teen?

This virtual camp uses my proprietary, proven 3-D system to answer these questions and more!


COLLEGE PLANNING GUIDE

The problem with most college planning guides is that they start with choosing a school.

But the smartest college planning starts at the true beginning, with the criteria and critical steps to take before you consider which college to go to and how to pay for it.

With the high cost of college today, it's important to make sure you and your teen have a plan that will help them make the most of the time and money that you'll be investing in their future.

Skip the costly mistakes too many families make!

turn your dreams into reality

Rave Reviews:

"Our high school had good resources but we were still having trouble helping our daughter connect the dots between school, her talents and what she wanted in life. We were all stressed out and arguing all the time.  

Karin's guide made the difference and really helped Sophie understand what she was looking for. Best of all, we were able to work together to create a plan that actually worked." -Patty S, Mom


envision your dream life

Here's what others say:

 "I felt like I was on the hamster wheel Karin talks about. I had so much going on–school, sports, my friends–and I was always busy just trying to keep up. I had no idea what it was all leading to. Karin helped me understand myself and what I'm good at. I finally feel confident and excited. I am now creating a solid foundation for my future." –Olivia S, HS Student

Don't see what you need

Have another idea or want to talk about individual coaching?

Please feel free to reach out directly.

who you are and what is important

Privacy Policy

Saku Marketing LLC (“us”, “we”, or “our”) operates the https://mskarinu.com and https://members.mskarinu.com websites (the “Service”).  

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.  

We will not use or share your information with anyone except as described in this Privacy Policy.  

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.  

Information Collection and Use  

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.  

Personally identifiable information may include:  

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We may also collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“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 and other statistics.  

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Behavioral Remarketing  

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Saku Marketing, LLC uses remarketing services to advertise on third party web sites to you after you visited our Service. We, and our third party vendors, use cookies to inform, optimize and serve ads based on your past visits to our Service.  

Facebook Remarketing  

Facebook remarketing service is provided by Facebook Inc. You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950  

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For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation  

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We do not honor “Do Not Track” settings and/or signals and as such there will be no difference in how we collect or use data, even if you set your web browser to send a “Do Not Track” signal when you visit this Site.  

Communications  

We may use your Personal Information 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.  

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The security of your Personal Information is important to us, and we strive to implement and maintain reasonable, commercially acceptable security procedures and practices appropriate to the nature of the information we store, in order to protect it from unauthorized access, destruction, use, modification, or disclosure.  

However, please be aware that no method of transmission over the internet, or method of electronic storage is 100% secure and we are unable to guarantee the absolute security of the Personal Information we have collected from you.  

International Transfer  

Your information, including Personal Information, 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 information, including Personal Information, 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.  

By using this website, you authorize us to transfer and store your information in the United States, for the purposes described in this policy. The privacy protections and the rights of authorities to access your information in the United States may not be the same as in your home country.  

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  

Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 (“Children”).  

Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.  

We do not knowingly collect personally identifiable information from children under 14. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a children under age 14 without verification of parental consent, we take steps to remove that information from our servers.  

Changes To This Privacy Party  

This Privacy Policy is effective as of March 15, 2016 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.  

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.  

If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.  

Contact Us  

If you have any questions about this Privacy Policy, please contact us via email.


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The following Terms of Use are entered into by and between You and Saku Marketing LLC (“Company”, “we”, or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of www.mskarinu.com, including any content, functionality and services offered on or through www.mskarinu.com (the “Website”), whether as a guest or a registered user.

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use including the agreements incorporated by reference herein, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website. Changes To the Terms Of Use.

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.  

Privacy Your use of the Website is also subject to the Company’s Privacy Policy. Please review our Privacy Policy, which also governs the Website and informs users of our data collection practices. Your agreement to the Privacy Policy is hereby incorporated into these Terms of Use.  

Disclaimer Your use of the Website is also subject to the Company’s Disclaimer. Please review our Disclaimer, which also governs the Website and informs users of various limitations regarding the information provided on the Website. Your agreement to the Disclaimer is hereby incorporated into these Terms of Use. Accessing The Website And Account Security  

We reserve the right to withdraw or amend this Website and any service or material we provide on the Website in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website and any resources downloaded from the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.  

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All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Website, is the property of the Company or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.  

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Website or any of the resources available for download from the Website.  

The Company content is not for resale. Your use of the Website or any of the resources available for download from the Website does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your individual use, and will make no other use of the content without the express written permission of the Company and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of the Company or our licensors except as expressly authorized by these Terms.  

The Company name, the Company logo, the Company slogan, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.  

For Educational And Informational Purposes Only As set forth more fully in the Disclaimer, the information contained on this Website and the resources available for download through this Website are for educational and informational purposes only. ​ The information contained on this Website and the resources available for download through this Website is not intended as, and shall not be understood or construed as legal, financial, tax, medical, health, or any other professional advice.  

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Email And Other Electronic Communications Visiting the Website or sending emails to the Company constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the Website, satisfy any legal requirement that such communications be in writing.  

We would be pleased to communicate with you by e-mail, and there are various places on this Website that provide you the ability to send an electronic communication to the Company. Any such email or other electronic communication, however, does not create a business relationship or any contractual relationship. As set forth more fully in our Privacy Policy, we will take reasonable steps to ensure that any communications remain confidential, but we cannot guarantee the security of such communications and cannot guarantee that we would not be required to disclose such communications as a result of a court order.  

Use Of Communication Services The Website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, blog comment sections and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.  

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded, restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.  

The Company has no obligation to monitor the Communication Services. However, the Company reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. The Company reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.  

The Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the Company’s sole discretion.

Always use caution when giving out any personally identifying information about yourself in any Communication Service. The Company does not control or endorse the content, messages or information found in any Communication Service and, therefore, the Company specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized the Company spokespersons, and their views do not necessarily reflect those of the Company.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.  

Materials Provided To The Web 

The Company does not claim ownership of the materials you provide to the Website (including feedback and suggestions) or post, upload, input or submit to any Website or our associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submission you are granting the Company, our affiliated companies, and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. The Company is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in the Company’s sole discretion. By posting, uploading, inputting, providing, or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Links To Third Party Websites And Services The Website may contain links to other Websites (“Linked Websites”). The Linked Websites are not under the control of the Company and the Company is not responsible for the contents of any Linked Website, including without limitation any link contained in a Linked Website, or any changes or updates to a Linked Website. The Company is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by the Company of the Website or any association with its operators. Certain services made available via the Website are delivered by third-party Websites and organizations. By using any product, service, or functionality originating from the Website, you hereby acknowledge and consent that the Company may share such information and data with any third party with whom the Company has a contractual relationship to provide the requested product, service or functionality on behalf of the Website’s users and customers.

The Company provides various templates, forms, worksheets, quizzes and other materials for download and/or sale on this Website. The Company grants you a limited, personal, non-exclusive, non-transferable license to use our templates, forms, worksheets, quizzes and other materials for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the templates, forms, worksheets, quizzes and other materials in any manner, except for modifications in filling out the templates and/or forms for your authorized use. By ordering or downloading Forms, you agree that the Forms you purchase or download may only be used by you for your personal use and may not be sold or redistributed without the express written consent of the Company.

Use of Paid Courses, Programs, and Associated Material  

The Company from time-to-time provides various courses, programs, and associated material for sale on this Website. The Company grants you a limited, personal, non-exclusive, non-transferable license to use our courses, programs, and associated material (collectively the “Courses”) for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Courses in any manner. By ordering or participating in Courses, you agree that the Courses you purchase or download may only be used by you for your personal and may not be sold or redistributed without the express written consent of the Company. By ordering or participating in Courses, you further agree that you shall not create any derivative work based upon the Courses and you shall not offer any competing products or services based upon any information contained in the Courses.

Use Of Free Downloadable Content  

The Company provides various resources on this Website, which users may access by providing an e-mail address. The Company grants you a limited, personal, non-exclusive, non-transferable license to use our resources provided in exchange for an email address (the “Freemium Content”) for your own personal use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Freemium Content in any manner. By downloading the Freemium Content, you agree that the Fremium Content you download may only be used by you for your personal use and may not be sold or redistributed without the express written consent of the Company.

By downloading the Freemium Content, you further agree that you shall not create any derivative work based upon the Freemium Content and you shall not offer any competing products or services based upon any information contained in the Freemium Content.  

Guests

The Company may, from time to time, provide information from a third party in the form of a podcast guest interview, interview on other platform such as video, guest blog post, or other medium. The Company does not control the information provided by such third-party guests, is not responsible for investigating the truth of any information provided, and cannot guarantee the veracity of any statements made by such guests. Individuals who agree to appear as guests on any medium offered by the Company agree to transfer all intellectual property rights they may have in any such interviews to the Company and further provide a license to any rights they are unable to assign.

Cancellation Of Subscription

Certain of the Company’s products and services are offered on an ongoing basis with a monthly or yearly subscription. Users may cancel subscriptions at any time by emailing connect@mskarinu.com Your subscription shall continue until the end of the existing subscription period and shall terminate at the completion of that period. You shall not be charged after a cancellation.

Money Back Guarantee

 For the sale of certain products, the Company provides a money-back guarantee. That money-back guarantee is governed by the following terms, except to the extent that the terms of a specific product or service provide otherwise. With respect to any purchase, you must request your money back within 30 days of the purchase. You may request your money back by emailing connect@mskarinu.com. That email must contain information about the product your purchased, the date of the purchase, and the email and name associated with any such purchase. You are not required to submit any proof that you have completed any work or meet any other requirements. Upon determining that you are entitled to a refund pursuant to this policy, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds. If you receive a refund of any purchase through this money-back guarantee, that shall immediately terminate any and all licenses granted you to use the material provided to you under these Terms of Use or any other agreement. You shall immediately cease using the material and shall destroy all copies of the information provided to you, including without limitation: video recordings, audio recordings, forms, template documents, slide shows, membership areas, social media groups limited to paying members, and other resources. Any customer may redeem a money-back guarantee from the Company only once regardless of how many products and/or services the customer purchases. In other words, after a customer has received a refund for any one product under this money-back guarantee, that customer shall not be entitled to a refund as to any other product or service purchased from the Company.

No Warranties THE COMPANY MAKES NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. THE COMPANY FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Limitation of Liability YOU AGREE TO ABSOLVE THE COMPANY OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR THE RESOURCES YOU MAY DOWNLOAD FROM THIS WEBSITE. YOU AGREE THAT THE COMPANY SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUESTIONAL LOSS OR DAMAGES FOR USE OF THIS WEBSITE. THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. THE COMPANY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME. THE COMPANY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. THE COMPANY AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE COMPANY OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

Arbitration ​You hereby expressly waive any and all claims you may have, now or in the future, arising out of or relating to this Website, the Company, any and all contracts you enter into with the Company, and any and all of the Company’s products and services. To the extent that you attempt to assert any such claim, you hereby expressly agree to present such claim only through binding arbitration to occur in Washington, DC. You further agree to and do hereby waive any right to class arbitration and agree, instead, to conduct an arbitration related solely to any individual claims you and/or any entity related to you asserts against the Company. To the fullest extent permissible by law, you further agree that you shall be responsible for all costs associated with initiating the arbitration and for the administration of the arbitration.

International Users The Service is controlled, operated and administered by the Company from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Company Content accessed through the Website in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification  

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the Website or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. The Company reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with the Company in asserting any available defenses.

Termination And Access Restriction The Company reserves the right, in its sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, and you hereby consent to resolve any and all disputes arising under or related to this Website or the Terms of Use pursuant to the Arbitration Clause above. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

No Joint Venture Or Other Relationship​ You agree that no joint venture, partnership, employment, or agency relationship exists between you and the Company as a result of this agreement or use of the Website. The Company’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the Company’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by the Company 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.

Entire Agreement​ Unless otherwise specified herein, this agreement, along with the Privacy Policy and Disclaimer, constitutes the entire agreement between the user and the Company with respect to the Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and the Company with respect to the 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. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms The Company reserves the right, in its sole discretion, to change the Terms under which the Website is offered. The most current version of the Terms will supersede all previous versions. The Company encourages you to periodically review the Terms to stay informed of our updates.

Contact Us  

The Company welcomes your questions or comments regarding the Terms: Email Address: connect@mskarinu.com Effective as of August 1, 2019

Disclaimer

This website is owned and operated by Saku Marketing LLC (“Company,” “we,” or “us”). This Disclaimer, along with the Terms of Use and Privacy Policy, governs your access to and use of www.mskarinu.com, including any content, functionality and services offered on or through www.mskarinu.com (the “Website”), whether as a guest or a registered user.

Please read the Disclaimer carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to the Privacy Policy, you must not access or use the Website.

For Educational And Informational Purposes Only The information contained on this Website and the resources available for download through this website are for educational and informational purposes only.  

Not Medical Or Other Professional Advice The information contained on this Website and the resources available for download through this website is not intended as, and shall not be understood or construed as, medical, or any other professional advice. While the professional at the Company are life coaches and the information provided on this Website relates to life issues and other professional issues, the information contained on this Website is not a substitute for medical advice from a licensed doctor or other professional who is aware of the facts and circumstances of your individual situation. We have done our best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with an attorney or other professional to address your particular information. The Company expressly recommends that you seek advice from a and other professional prior to taking any actions. Neither the Company nor any of its employees shall be held liable or responsible for any errors or omissions on this website or for any damage you may suffer as a result of failing to seek competent medical or professional advice from a licensed doctor or other professional who is familiar with your situation.  

The Life Coaching Relationship The Coach serves as your partner in self-discovery, personal growth, goal setting and goal attainment. The Coach’s role is to help you, The Client, discover within yourself the beliefs or issues that are blocking you from getting all you want of out of life, and to help elicit from you, your best solutions or new ways of being to live more of the life you desire.  

Life coaching is not therapy or counseling and The Coach is not a licensed therapist. A life coach does not diagnose or treat disorders as defined by the American Psychiatric Association. Your life coaching sessions are not a substitute for counseling, psychotherapy, mental health care or substance abuse treatment. If you are currently in therapy, you are strongly encouraged to inform your therapist that you are engaged in a life coaching arrangement.  

Life coaching is not currently regulated in the state of Minnesota. It will be solely the responsibility of the client to determine the effectiveness of the services rendered and the competency of the coach.  

Confidentiality is an important part of the coaching process. Your identity and ongoing work will be kept strictly confidential. The Company will only release information about our work with your written permission, or if The Coach is required by court order. The following exceptions apply: There are a broad range of events that are reportable under child protective statutes. Physical or sexual abuse of a child will be reported to Child Protective Services. When the victim of child abuse is over age 18, The Company not legally mandated to report it unless The Company believes that there are minors still living with the abuser who may be in danger of being abused. Elder abuse is also required to be reported to the appropriate authorities. If you are at imminent risk to yourself or someone else or make threats of imminent violence against another person or persons, The Coach will take appropriate action.

User’s Personal Responsibility By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.  

No Guarantees You agree that the Company has not made any guarantees about the results of taking any action, whether recommended on this Website or not. The Company provides educational and informational resources that are intended to help users of this website succeed in business and otherwise. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of the Company. You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of the Company or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.

Errors And Omissions This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.  

Errors And Omissions This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.  

Affiliate Links  

From time to time, the Company participates in affiliate marketing and may allow affiliate links to be included on some of our pages. This means that we may earn a commission if/when you click on or make purchases via affiliate links. As a policy, the Company will only affiliate with products, services, coaches, consultants, and other experts that we believe will provide value to our customers and followers. The Company will inform you when one of the links constitutes an affiliate link. You recognize that it remains your personal responsibility to investigate whether any affiliate offers are right for your business and will benefit you. You will not rely on any recommendation, reference, or information provided by the Company but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.  

No Endorsements From time to time, the Company will refer to other products, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. The Company provides this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert. Testimonials At various places on this Website, you may find testimonials from clients and customers of the products and services offered on this Website or by the Company. The testimonials are actual statements made by clients and/or customers and have been truthfully conveyed on this Website. Although these testimonials are truthful statements about results obtained by these clients and/or customers, the results obtained by these clients and/or customers are not necessarily typical. You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any products or services offered on this Website or by the Company.  

Earnings Disclaimer From time to time, the Company may report on the success of one of its existing or prior clients/customers. The information about this success is accurately portrayed by the Customer. You acknowledge that the prior success of others does not guarantee your success. As with any business, your results may vary and will be based on your individual capacity, business experience, expertise, and level of desire. There are no guarantees concerning the level of success you may experience. There is no guarantee that you will make any income at all and you accept the risk that the earnings and income statements differ by individual. Each individual’s success depends on his or her background, dedication, desire and motivation. The use of our information, products and services should be based on your own due diligence and you agree that the Company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products, and services reviewed or advertised on this Website.  

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