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.

Neither Karin Ulik, Saku Marketing LLC or its subsidiaries nor any of their respective officers, employees, representatives, agents or independent contractors are, in such capacities, licensed financial advisers, registered investment advisers or registered broker-dealers. Neither do they provide investment or financial advice or make investment recommendations, nor are they in the business of transacting trades.

Personal investing and trading examples are to demonstrate and educate individuals. They are not representative of the consistent returns in an account, or an expectation of future gains.  Coach and/or Clients may have other positions, which are positive or negative. Trading examples are solely for an educational purpose. Neither the information nor any opinion represented by Saku Marketing LLC or any of its affiliates constitutes a solicitation or offer to buy or sell any securities, future, or options, or other financial instruments.

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.

You, client, assume the entire risk as to the results and performance of the trading and investing methods.

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.  

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.  

Last updated 5/1/2023