• Color Palettes

    5 Drool-Worthy Scottish Blue and Green Color Palettes

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    Several years ago I spent a week in Scotland for a friends wedding and I was blown away at how beautiful the country was – both the city of Edinburgh and the landscapes. With my trusty camera, I took as many pictures as I could. Known for its breathtaking landscapes, rich history, and vibrant culture, Scotland is a great place to visit. From the stunning coastlines to the rugged highlands, there is no shortage of natural beauty to explore. Whether you’re a history buff, a nature lover, or simply looking for a unique travel experience, Scotland has something to offer everyone. With the pictures from my adventure, I created several color palettes for you to enjoy:

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    The planner is designed to be both practical and stylish. Its digital setup makes it easy to take on the go, while the template style allows you to customize everything.

    So whether you’re planning a solo adventure or a family vacation, our physical travel planner is the perfect companion to help you stay organized and make the most of your trip. Order yours today and start planning your dream vacation!

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  • Color Palettes

    5 Classic Parisian Color Palettes to Make Any Document Sophisticated

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    I do enjoy photography as a hobby and when I travel. In 2018 I had the opportunity to travel back to Paris, and most of these photos were taken with a 50mm lens. Paris, as a city, tells such a unique story through the color of the buildings, that using color palettes is a fun way to share my pictures. With these images, you can use Paris to inspire your brand, event, or document color scheme. You can click on each image below to enlarge them.

    Paris is a fantastic city full of adventure, color, and unique buildings. If you are looking to plan a vacation, Paris is the perfect city to add to your list! When it comes to planning a vacation, I’ve put together a Travel Planner Template with 30+ pages for you to use while planning your next trip. This guide will help you make sure you don’t forget to pack anything, stay on budget, keep all your memories in one place, and more:

    Click Here To Buy The Ultimate Travel Planner

  • Color Palettes

    5 Monet-Inspired Color Palettes To Brighten Up Your Spring

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    In Fall of 2016 I traveled back to France after graduating with my Master’s Degree in 2015. Despite living in France for two years, I never made it out to Monet’s Garden. My friend and I decided to dedicate a day of our travels to taking a trip to Giverny – and it was well worth the trip! Here are 5 Monet-Inspired Color Palettes to Brighten Up Your Spring:

    If your business or nonprofit needs help with branding, I’ve created the Brand Guide Workbook. This template will walk you through the process of creating a brand that is consistent and in line with your mission. With over 15 customizable pages, you can craft your one-of-a-kind brand. Whether you are an individual, a small nonprofit, or a large brand, you can find value in this Brand Guidebook.

  • Color Palettes

    5 Out Of This World Color Palettes For Your Business

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    Color is an essential element when choosing your brand – I always like to find photos from the real world and pull colors from them when making color palettes. Here are a few from outer space:

    The Mission-Based Brand Guidebook Is Ready!

    Create a successful mission statement and brand with this Brand Guide Workbook. Our template will walk you through the process of creating a brand that is consistent and in line with your mission. With over 15 customizable pages, you can craft your one-of-a-kind brand. Whether you are an individual, a small nonprofit, or a large brand, you can find value in this Brand Guidebook.

  • Nonprofit Advice

    How to Create a Strong Letter of Intent

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    The Letter of Intent (LOI) is the formal request of a nonprofit seeking financing from a foundation or other charitable organization. This letter is generally sent to foundations that require an LOI before sending a formal application with a grant proposal.

    The Letter of Intent is a vital source of information for the foundation and helps the grantors decide who should apply for the funding opportunity. LOI’s are also a great way to reach out cold to a foundation if you don’t have a relationship with them. To start off on the right foot, it’s important to have a strong LOI.

    Here are some tips for writing a strong Letter of Intent:

    1. Keep it brief and to one page. If the organization has certain requirements it may continue on to a few more pages, but in general, keep it short and sweet
    2. Always follow the instructions of the organization as closely as possible
    3. Always address your LOI to a specific person, not “to whom it may concern” if possible
    4. Always include the name of your organization, the amount you’re asking for, and a description of your project

    To help you be as successful as possible, I’ve created a free editable Letter of intent for you to download and enjoy!

    Copy of Sample Letter of Intent – KRCDownload

    Canva Template Link for Letter of Intent

  • Nonprofit Advice

    Branding for Mission-Based Organizations

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    Branding is a broad concept that is often hard to explain. Most individuals think of branding as the logo, colors, or fonts of an organization, while in reality, the brand is the organization’s personality – think about Kentucky Fried Chicken’s Twitter account or DuoLingo on TikTok.

    Beyond the personality of an organization, branding communicates the values of an org and can even build trust with consumers. The better the brand, and the more consumers know and feel in line with an organization, the more likely they are to either invest, shop, or donate.

    “Your brand is what people say about you when you’re not in the room” 

    To help your business create a strong visual brand, I created my Mission-Based Business Brand Guide Workbook. This workbook provides over 15 pages of education, free resources, and workbook pages to craft a strong mission statement, and create a strong, visual brand that caters to your organization’s unique personality. **Scroll to the bottom for a free preview to download**

    Business Brand Guide Preview, Free to Download:

    Brand-Guidebook-KRCDownload
  • Travel Writing

    7 Activities in the 7th Arrondissement

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    Rue Saint Dominique. That’s where I spent almost two years of my life living, studying, shopping, wining, and dining. While I attended the American University of Paris, I decided to live right around the corner so I wouldn’t have to worry about rushing to class in the morning. Thankfully, I’ve had a lot of time to explore my beautiful neighborhood. Here are some of my favorite things to do in my area.

    Most known for the Eiffel Tower, there is much more to this neighborhood than this classic landmark.

    1.  Shopping at Le Bon Marché Rive Gauche

    Go shopping at the oldest department store and the only one on the Rive Gauche. The mall itself is a work of art, and you’ll enjoy a range of high-end brand goods. Foodies will also enjoy stopping by the food hall. In my experience, Le Bon Marché food hall is definitely a spot used more by locals than Galeries Lafayette.

    Musée Rodin
    1. Spend Time at Musée d’Orsay and Musée Rodin

    The 7th arrondissement is home to two of my favorite museums. My recommended first stop is Musée Rodin. Here you’ll be able to walk through Hôtel Biron where Rodin lived and worked, which has now been converted into a museum. The best part of the museum, in my opinion, is the quiet gardens and grounds of the museum. Once you’re done in the museum (which can be a little cozy at times), spread your legs, walk around the grounds, and admire the various Rodin statues.

    Just a short walk away is Musée d’Orsay. If you want to take the more scenic route, make sure to walk past Invalides, admire Pont Alexandre III along the Seine, and you will quickly find yourself in front of Musée d’Orsay.  

    This museum is my favorite one in Paris. Not just because it’s in the 7th, but not only because it’s beautiful, it hosts one of the largest impressionist collections in the world, but it is such a unique location that leaves you in awe. The Louvre might be what people think of when they think of Paris, but I always think of Musée d’Orsay as my go-to museum. It’s far less busy than the Louvre, and its Beaux-Arts style and breathtaking clocks are fun to explore.

    Musée d’Orsay was originally constructed as the Gare d’Orsay for the 1900 Exposition Universelle and was designed by three famous architects: Lucien Magne, Émile Bénard and Victor Laloux. The location continued to be used as a railway terminus until 1939. It later operated as a mail center during World War II.

    Both of these museums are included on the Paris Museum Pass, which I recommend purchasing if you plan on spending a few days in the city.

    1. Take a Walk Down Rue Cler

    Rue Cler is a quintessential market street, maybe a little touristy, but it is pedestrian-only and full of visitors and locals alike. So whether you want to build a picnic basket for lunch under the Eiffel Tower or do a little window shopping, this is the place for you.

    The best lunch spot on this small rue is definitely Cafe Du Marché. After class, I spent many afternoons grabbing a salad and frites here with my classmates. My favorite bar by far is Le Petit Cler, where you can find fantastic cocktails to share with your friends. The interior is fun if you can find a spot inside.

    Outside of food shops, there are skincare shops, clothing stores, floral shops, and a pharmacy along Rue Cler.

    1. Have a Picnic at Champ de Mars

    Grab your picnic items from Rue Cler and post yourself under the Eiffel Tower. Even when I lived there, this is something my friends and I did very frequently. Drinking in public is socially acceptable in Paris, so make sure you bring enough wine to your picnic. There are a few grocery stores within walking distance from the park, but most close early. My most affordable recommendation that is open until 9pm is the G20 at 143 Rue Saint-Dominique, 75007 Paris, France. Otherwise, you’ll pay for overpriced wine at the tourist shops or liquor stores that are open late.

    1. Hop on a Bateaux Mouche

    Okay, this might be cheating a little, but the Bateaux Mouches depart just across the river from the 7th arrondissement. This is my favorite tour take with anyone who visits. It’s the best way to see the Eiffel Tower and Notre Dame and the Louvre at night as you are on the river. It’s super fun, and if you are only staying in the city for 48-72 hours, it’s the perfect way to cross off several landmarks off your list at once.

    Here I am hanging out in front of the Seine in the 7th!
    1. Walk Along the Seine in the 7th

    Paris takes advantage of every inch of space for its citizens – and the area closest to the Seine is no different. This is the perfect starting point to rent a bike and ride to the heart of the city, grab lunch at one of the numerous restaurants (in the summer), or grab a drink at my favorite river bar – Rosa Bonheur.

    1. The surprise finale – Musée des égouts de Paris

    The finale might not be what you expect. It’s smelly, and no – it’s not the Métro. It’s the Sewer Museum of Paris! You won’t see this on most travel lists of Paris, but it is unique to the 7th and not something you can see in most cities. I’ve never taken a visiting friend or family member to this spot, but I do think it’s worth mentioning. My professor made us tour this spot on my first trip to Paris, and I’m so glad she did. While it’s currently closed for the pandemic, it’s worth a visit once it opens up again.

  • Legal Disclaimers

    Privacy Policy

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    Katey Ruth Creative(“company”, “I”, “we” or “us”) is dedicated to respecting the privacy of your personal information, and this privacy policy describes what information is collected from you on kateyruthcreative.com (hereinafter the “website”) and how it is used. The term “you” refers to anyone who uses, visits and/or views the website.

    By visiting and using the website, you accept and agree to be bound by this privacy policy. Your continued use of the website after posting of any changes to our Privacy Policy constitutes your acceptance of those changes and updates. You must not access or use the website if you do not wish to be bound by this Privacy Policy.

    CHILDREN’S PRIVACY

    We respect the privacy of children and “child” means an individual under the age of 13. All information and content on this website is intended for individuals over the age of 18. Children under the age of 13 are prohibited from using this website. We do not knowingly collect, use or disclose personal information from children under the age of 13 without prior parental or guardian consent. If you believe any personal information is collected from someone under the age of 13 without parental or guardian consent, then please contact us to have that information deleted.

    WHAT INFORMATION WE COLLECT AND HOW IT IS USED

    When you access the website, you may provide certain personally identifiable information including but not limited to your name, email address, phone number, address, avatar image, credit card information when you make a purchase on the website.

    This information is collected when you register on the site, place an order, subscribe to a newsletter, contact us, use the search feature on the website, provide comments or any other feedback, fill out a form or use the live chat or enter any other information on the website to communicate with us. From time to time, we may also collect information that you submit when you participate in any online surveys that we may post on our website.

    Your personal information is used to personalize your experience, improve the website to better serve you, provide customer service support, efficiently process your requests or transactions, tailor advertisements to you, elicit reviews of services or products, provide you offers, promotions and to follow up with you through correspondence (email, live chat, or phone). We may also use this information to provide you offers and promotions from our partners and/or our affiliates in exchange for a commission without additional cost to you.

    Additionally, like other websites, this website automatically collects certain information about you through Log Data and Google Analytics. Log Data is information about your computer’s Internet Protocol Address, which is your “IP” address, browser information, Internet Service Provider’s information, your operating system, and your browser type. Similarly, Google Analytics collects certain information about your location, browsing history, the pages you visit, the equipment you used to access the website, traffic patterns, and other general patterns related to your use of the website.

    This information is used to analyze website statistics related to user behavior and interests, improve our performance and your use of the website and to further enhance our products and services offered to you.

    COMMENTS AND SOCIAL MEDIA 

    If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue. When you leave a comment, your name, email address and website/organization name is not shared with a third party and may be used to communicate with you.

    Social media accounts and sharing options are available on this website. Social media sites (Facebook, Twitter, YouTube, Pinterest, and others) can track your personal information. Should you choose to interact with us on social media, please note that you will be voluntarily disclosing that personal information. This information is no longer private. It becomes public information and can be collected and used by others. We have no control over and take no responsibility for the use, storage or dissemination of such publicly-disclosed personal information by you.

    Any such interactions via comments and social media with us do not subject us to any kind of liability related to misuse of your information by others.

    USE OF COOKIES 

    The website may use cookies to facilitate your use of the website. Cookies are files with small amounts of data including an anonymous unique identifier that a website sends to your computer’s hard drive when you are viewing the website. Just like other websites, we automatically collect some non-personally identifiable information including but not limited to your IP address, geographic location, language preference, date and time of visitors.

    When you leave a comment on our website, you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. 

    If you have an account and you log in to this website, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

    We may use cookies for various reasons such as optimizing and personalizing your browsing experience, checking our website analytics, saving your preferences and settings for future use, serving ads based on your liking and interests, affiliate marketing and posting comments on our website. 

    This information is only collected to better serve and understand your user experience on the website.  You have the option of turning off cookies on your computer should you wish to do so. If you choose to do that, you may not be able to view all the features and content of this website.

     USE OF WEB BEACONS AND PIXELS

    In conjunction with the use of cookies, third parties may also use web beacons, which are also known as clear GIFs, web bugs or pixel tags to collect general information about your use of our website. They monitor user activity and are used to track customer behavior data. This information may be relevant to third parties such as the ad networks used on our website to tailor the advertising based on your behavior and interests.

    We may use social media pixels to track and collect general information about your use in compliance with different social media sites (Facebook, Twitter, Pinterest, and others) for the purpose of promoting products, tracking conversions, remarketing, running target advertisements and so forth. 

    Third parties like Facebook may use their own cookies, web beacons and other technologies to collect and receive information from our website for the purpose of providing target advertisements. You may see our ads on Facebook or YouTube after you have visited our website.  

    THIRD-PARTY LINKS AND USE 

    We may include, offer or advertise third party links, products or services on the website. Once you click on a third-party link and leave this website, you are no longer bound by our Privacy Policy and Terms and Conditions.

    Articles on this website may include embedded content (e.g. videos, images, advertisements, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

    We may use Google AdSense advertising along with any other third-party advertising on the website. Google is a third party that also uses cookies to serve ads on the website for the purpose of providing a positive user experience. Third-party vendors such as Google use cookies to serve ads based on a user’s prior visits to the website. You can opt-out of Google by visiting their privacy policy and ad settings.

    We have no control over these third parties and they have their own privacy policies. Neither are we responsible for the activities and practices of these third parties. You should contact them directly and read their privacy policies for any questions. You also agree that your use of these third-party websites is solely at your risk.

    DISCLOSURE OF YOUR INFORMATION

    As a general rule, we do not disclose your personal information to third parties without your consent with the exception of the following circumstances:

    We may disclose your information to our trusted third parties that work with us such as our website hosting partners, email marketing service provider, other service providers that assist in the operation of the website, and any other affiliates and subsidiaries we rely upon to provide you products and services offered here.

    We may disclose your information in order to comply with state or federal regulations related to copyright infringement lawsuits or any other legal claims related to the website.

    We may disclose your information to our successor and/or acquiring party in the event of a merger, acquisition, restructuring, dissolution or partial sale in the future. However, your personal information will be transferred to the acquiring party in accordance with this privacy policy.

    EMAIL MARKETING 

    You have the option of opting in or unsubscribing from our email list. By subscribing and opting in, you agree to receive newsletters, updates, messages, promotional materials and any other content related to this website. When you send an email, your email message along with email address and responses are saved for communication purposes with you. This information is kept confidential and we do not share, sell or trade your email information with third parties except as otherwise stated in this privacy policy.

    If you are in the European Union and opt-in to receive any of our free products or services and/or purchase any products or services through our website then you will be subscribed to receive our free email newsletter once you affirmatively consent to it. Please see the Opt-Out section below should you wish to “unsubscribe” and not receive any emails from us.

    But if you are NOT in the European Union then you will be automatically subscribed to receive our free email newsletter once you opt-in to receive any of our free products or services and/or purchase any products or services through our website. Please see the Opt-Out section below should you wish to “unsubscribe” and not receive any emails from us.

    OPT-OUT

    We comply with the CAN-SPAM Act of 2003 and do not spam or send misleading information. Should you wish to no longer receive communication from us, you have the option of unsubscribing by clicking “unsubscribe” at the bottom of the email we send to you or by contacting us.

    As for third party websites, please contact them directly to unsubscribe and/or opt-out from their communications.

    We are in compliance with the GDPR along with the email marketing service we use to collect your data.  

    GDPR VISITOR RIGHTS

    Under the GDPR, if you are within the European Union, you are entitled to certain rights and information listed below.

    We will retain any information you choose to provide to us until the earlier of:

    You ask us to delete the information by sending a request to kateyruthcreative@gmail.com. Please note that such requests may result in you no longer being able to access paid or free content previously provided to you.

    Our decision to cease using our existing data providers.

    The Company decides to no longer be in business or continue to offer the services.

    The data is no longer needed to provide you service, is too costly to maintain further retention, or the Company finds it outdated.

    You have the right to request access to your data that we store and have the ability to access your personal data.

    You have the right to either rectify or erase your personal data. You have the right to verify the accuracy of your personal data and have it corrected or removed completely

    You have the right to seek restrictions on the processing of your data. When you restrict the processing of your data, we can store your data but cannot process it further.

    You have the right to object to the processing of your data in certain circumstances including but not limited to direct marketing, profiling, scientific or historical research purposes, statistical purposes, automated decision making and profiling and tasks based on legitimate interests or in the public interest/exercise of official authority.

    You have the right to the portability of your data. You have the right to request your personal data from us, receive it and transfer it to another controller. 

    You have the right to withdraw consent at any time. If you have provided consent to the Company’s processing of your personal data, you have the right to withdraw that consent any time without affecting the lawfulness of processing based upon consent that occurred prior to your withdrawal of consent.

    You have the right to lodge a complaint with a supervisory authority that has jurisdiction over issues related to the General Data Protection Regulation.

    We require only the information that is reasonably necessary to enter into a contract with you. We will not require you to provide consent for any unnecessary processing as a condition of entering into a contract with us.

    YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA COMPLIANCE)

    If you reside in California, you are entitled to additional rights under California law and we ensure compliance with the CCPA. Here are your rights:

    You have the right to know whether your personal information is sold or disclosed to third parties. 

    You have the right to say no to the sale of your personal information. 

    You also have the right to access your personal information, which we will provide within 30 days of such request. 

    You have the right to know what personal information is collected from you and how it is used, which we explained in this Privacy Policy

    You have the right to have your personal information deleted

    You have the right to equal service, price and no discrimination

    You have the right to data portability and right to request your personal information and use it for your own purposes

    Pursuant to California’s “Shine the Light Act,” you are permitted to request information about the manner in which we share certain categories of information with third parties for their marketing use. We may disclose your personal information to our affiliates or other related third parties such as service providers, vendors for their use in marketing to you, so we can provide the products and/or services offered on this website to you. When we disclose such information, your personal information is still kept confidential and between us and that third party. It is not used for any other purpose that’s not permitted under the laws.

    Please be advised we DO NOT SELL YOUR PERSONAL INFORMATION to third parties and have never sold your personal information. We do not intend to sell your personal information in the future either. 

    Under the CCPA, you still have the right to opt-out of such sales and send us a “do not sell my information” request. If you would like to exercise any of your rights under California law, please submit a verifiable consumer request to us by sending us an email at kateyruthcreative@gmail.com. Only you as the person registered with the California Secretary of State can make such verifiable consumer requested related to your personal information or someone you authorize to act on your behalf. 

    Your verifiable consumer request must provide sufficient information that allows us to verify that you are the person you are claiming to be or that you are the authorized representative of such person about whom we had collected personal information. You must describe your request with enough details such as your first and last name, address and your country that allow us to properly understand the request and respond to it. Please note we cannot respond to your request or provide you with personal information unless we first verify your identity or authority to make such a request and confirm that the personal information relates to you. We will make all attempts to respond to your request within 30 days of receipt. 

    This privacy notice for California residents supplements the information included in the previous sections of this privacy policy. California and Delaware law also requires us to state whether we honor “Do Not Track” settings in your browser regarding targeted advertising and we do not monitor or respond to Do Not Track browser requests.

    SECURITY

    The security of your personal information is important to us, and we strive to follow generally commercial industry standards to protect your personal information submitted to us voluntarily and automatically. However, no method of transmission over the Internet is 100% secure and we cannot guarantee the absolute security of your information. When you make a credit card purchase or purchase through any means on the website, you will be directed to a third-party vendor to complete the transaction. Any information you provide during the checkout process is not stored on our website but instead provided to the third-party vendor that completes the purchase transaction.

    By using this website, you agree to hold us harmless for any security breach and for any unauthorized use of your personal information by third parties. You also agree that we cannot be held responsible for any disclosure of your information through our website without our knowledge and consent.

    PRIVACY POLICY UPDATES 

    This privacy policy is effective as of 5/3/2021 and will be updated and modified as needed. You are responsible for visiting this page periodically to check for future updates to this policy. Any modifications to this privacy policy will be effective upon our publishing of the new terms, and your continued use of our website after the posting of any updates constitutes your acceptance of our modified privacy policy.

    CONTACT

    For any questions or comments regarding the privacy policy, please contact us at kateyruthcreative@gmail.com

  • Legal Disclaimers

    Disclaimers

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    GENERAL INFORMATION

    Katey Ruth Creative(“company”, “I”, “we” or “us”) provides general educational information on various topics on this website as a public service, which should not be construed as professional, financial, real-estate, tax or health or legal advice. These are my personal opinions only. 

    The term “you” refers to anyone who uses, visits and/or views the website. 

    Please read this Disclaimer carefully, and I reserve the right to modify it at any time without notice.  By visiting and using this website, you accept and agree to be bound by this Disclaimer along with our Terms and Conditions and Privacy Policy. Your continued use of our website, programs, products and/or services constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use our website if you do not wish to be bound by this Disclaimer.

    DISCLAIMER 

    All content and information on this website including our programs, products and/or services is for informational and educational purposes only, does not constitute professionaladvice of any kind and does not establish any kind of professional-client relationship by your use of this website. A professional-client relationship with you is only formed after we have expressly entered into a written agreement with you that you have signed including our fee structure and other terms to work with you in a specific matter. Although we strive to provide accurate general information, the information presented here is not a substitute for any kind of professional advice, and you should not rely solely on this information. Always consult a professional in the area for your particular needs and circumstances prior to making any professional, legal, financial or tax related decisions. 

    AFFILIATE / THIRD-PARTY LINKS DISCLOSURE AND DISCLAIMER

    We may partner with other businesses or become part of different affiliate marketing programs whose products or services may be promoted or advertised on the website in exchange for commissions and/or financial rewards when you click and/or purchase those products or services through our affiliate links. We will receive a commission if you make a purchase through our affiliate link at no extra cost to you. 

    We may also recommend other products, services, coaches and consultants but no such reference is intended to be an endorsement or statement that such information provided is accurate. We recommend these based on our personal experiences but it is still your responsibility to conduct your own due diligence to ensure you have obtained complete accurate information about such product, services, coaches and consultants. 

    We are a participant in the Amazon Services LLC Associates Program, which is an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

    These affiliate or third party relationships in no way compromise the integrity of the content, information, services and materials being presented to you here, and you are under no obligation to click on these affiliate links to purchase those products or services being offered. These affiliate programs are selected based on personal experiences and preferences. 

    Although we provide these affiliate links on the website for your convenience, we have no control over these external websites and they are solely responsible for their own content and information presented.  Therefore, Katey Ruth Creative and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us cannot be held liable or responsible for any content presented on these external websites and for any damages resulting from them.

    This disclosure policy applies to all affiliate links we share on our website, social media, emails, programs, products such as courses, ebooks, services and any other means of communication with you. 

    EARNINGS DISCLAIMER, TESTIMONIALS AND OTHER DISCLAIMERS

    We may disclose our income reports and success results of our current or former customers including product reviews and testimonials on the website from time to time. These income reports, product reviews and testimonials are accurate and strictly for informational purposes only.

    We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

    All the testimonials included on our websites, programs, products and/or services are real-world examples and stories of other people’s experiences with our programs, products and/or services. But they are not intended to serve as a guarantee that you will achieve the same or similar results. Each individual’s performance is different and your results will vary accordingly.

    You are encouraged to perform your own due diligence and research and are solely responsible for your earnings and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience, and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.

    PONSORED POSTS / REVIEWS DISCLAIMER

    We may include sponsored blog posts on our website from time to time for products or services we recommend or those that have been valuable in our personal experience or use.

    We may review different products, services, and other resources to provide reviews of books, services and any other recommendations to you. We may receive incentives, discounts, compensation or free products in exchange for our reviews and sponsored content. All such reviews and sponsored posts are solely our honest opinions made in good faith. You are always encouraged to perform your own due diligence prior to relying on them.

    We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here.

    You are encouraged to perform your own due diligence and research and are solely responsible for your decisions, purchases from our affiliate links, sponsored content and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience, and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.

    FAIR USE DISCLAIMER 

    This website reviews products or services including but not limited to posting of product images from other websites, logos of manufacturers and different services In doing so, no copyright is claimed for this kind of content on the website and to the extent that such material may appear to be infringed, we assert that such alleged infringement is permissible under the fair use principles of the U.S. copyright laws. If you believe any material has been used in an unauthorized manner, please contact us at kateyruthcreative@gmail.com 

    NO WARRANTIES 

    ALL CONTENT, INFORMATION, PRODUCTS AND/OR SERVICES ON THE WEBSITE ARE “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PURPOSE, EXPRESS OR IMPLIED TO THE FULL EXTENT PERMISSIBLE BY LAW. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONTENT, INFORMATION, MATERIALS, PRODUCTS AND/OR SERVICES PROVIDED ON THIS WEBSITE. COMPANY MAKES NO WARRANTIES THAT THE WEBSITE WILL PERFORM OR OPERATE TO MEET YOUR REQUIREMENTS OR THAT THE INFORMATION PRESENTED HERE WILL BE COMPLETE, CURRENT OR ERROR-FREE. COMPANY DISCLAIMS ALL WARRANTIES, IMPLIED AND EXPRESS FOR ANY PURPOSE TO THE FULL EXTENT PERMITTED BY LAW.

    LIMITATION OF LIABILITY

    You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here. 

    You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website.

    You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here. 

    This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here. 

    INDEMNIFICATION 

    You agree to indemnify and hold the Company and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of our websites including purchasing programs, products and services; (c) violation of any laws, rules, regulations or ordinances by you; or (d) violation of any terms and conditions of this website by you or anyone related to you; e) infringement by you or any other user of your account of any intellectual property or other rights of anyone. The company will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims.

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    Terms and Conditions

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    TERMS AND CONDITIONS 

    By visiting and using http://www.kateyruthcreative.com (hereinafter the “website”), you accept and agree to be bound by these Terms and Conditions including our Disclaimer and Privacy Policy posted on the website and incorporated herein by reference. 

    The term “you” refers to anyone who uses, visits and/or views the website. Katey Ruth Creative  (“company”, “I”, “we” or “us”) reserves the right to amend or modify these terms and conditions in its sole discretion at any time without notice and by using the website, you accept those amendments.  It is your responsibility to periodically check the website for updates. 

    Your continued use of the website after posting of any changes to our Terms and Conditions constitutes your acceptance of those changes and updates. You must not access or use the website if you do not wish to be bound by these Terms and Conditions.

    AGE AND UNITED STATES USE ONLY 

    All information and content on this website are intended for individuals over the age of 18. Children, as defined in our Privacy Policy, are prohibited from using this website. 

    PRIVACY POLICY

    We are dedicated to respecting the privacy of your personal information. Your acceptance of our Privacy Policy is expressly incorporated into these Terms and Conditions. 

    DISCLAIMER

    Your acceptance of our Disclaimer is expressly incorporated into these Terms and Conditions. Please review the Disclaimer for more information. 

    MANDATORY ARBITRATION AND GOVERNING LAW 

    You expressly waive your right to bring any legal claims, now or in the future arising out of or related to the website and our products/services. In the event of any dispute, claim or controversy arising out of or relating to your use of this website, the terms and conditions shall be construed in accordance with the rules and regulations of the state of Illinois and the United States. 

    You agree to consent and submit to the jurisdiction of the state and federal courts located in Illinois without regard to the principles of conflict of law or where the parties are located at the time a dispute arises. 

    You agree to resolve any disputes or claims first through mandatory arbitration in the state of Illinois and shall bear the full cost of arbitration as permitted by law. Your good faith participation in arbitration is a condition precedent to pursuing any other legal or equitable remedies available such as litigation or any other legal procedure. You also agree that in the event a legal claim is initiated after the required arbitration, the prevailing party shall be entitled to recover reasonable attorney’s fees and other costs associated with the legal action. 

    INTELLECTUAL PROPERTY 

    All content on this website including but not limited to text, posts, logos, marks, graphics, files, materials, services, products, videos, audio, applications, computer code, designs, downloads and all other information here (collectively, the “Content”) is owned by us and is protected by copyright, trademark and other intellectual property and unfair competition laws with the exception of any content from others that we are lawfully permitted to use.  You are granted a limited revocable license to print or download Content from the website for your own personal, non-commercial, non-transferrable, informational and educational use only while ensuring it’s not in violation of any copyright, trademark, and intellectual property or proprietary rights.

    You agree not to copy, duplicate, steal, modify, publish, display, distribute, reproduce, store, transmit, post, create derivative works, reverse engineer, sell, rent or license any part of the Content in any way to anyone, without our prior written consent.  You agree to abide by the copyright, trademark laws and intellectual property rights and shall be solely responsible for any violations of these terms and conditions. 

    USER CONTENT AND LAWFUL USE OF THE WEBSITE 

    For any Content or information that you upload, display, post, transmit, send, email or submit to us on the website or on any of our social media sites, you warrant that you are the owner of that Content or have express permission from the owner of those intellectual property rights to use and distribute that Content to us. 

    You grant us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us a royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to identify you, publish, post, reformat, copy, distribute, display, edit, reproduce any Content provided by you on our website and on any of our social media sites for any purpose. You shall be solely liable for any damages resulting from any infringement of copyrights, trademark or other proprietary rights of any Content or information that you provide to us.

    You agree not to upload, display, post, transmit, distribute, send, email or submit to us on the website or on any of our social media sites any information or Content that is- 

    (a) illegal, violates or infringes upon the rights of others, 

    (b) defamatory, abusive, profane, hateful, vulgar, obscene, libelous, pornographic, threatening, 

    (c) encourages or advocates conduct that would constitute a criminal offense, giving rise to civil liability or otherwise violate any law,

    (d) distribute material including but not limited to spyware, computer virus, any kind of malicious computer software or any other harmful information that is actionable by law, 

    (e) any attempts to gain unauthorized access to any portion or feature of the website, and 

    (f) send unsolicited or unauthorized material or cause disruption in the operation of the website. You agree to use the website for lawful purposes only and shall be liable for damages resulting from the violation of any provision contained in these Terms and Conditions. 

    THIRD-PARTY LINKS

    The website may contain links to third-party websites or resources for your convenience. We may serve as an affiliate for some of these third-party websites by offering or advertising their products or services on the website; however, we do not own or control these third-party websites. Once you click on a third-party link and leave this website, you are no longer bound by our terms and conditions.

    You agree that we are not responsible or liable for the accuracy, content or any information presented on these third-party websites. You assume all risks for using these third-party websites or resources and any transactions between you and these third-party websites are strictly between you and the third party. We shall not be liable for any damages resulting from your use of these third-party websites or resources. 

    USE OF OUR PAID AND FREE PRODUCTS 

    We may offer free products for you to download and also sell paid courses, programs, physical or digital products and any other related materials (collectively, “products”) on this website. All our products and/or services including all content are protected by copyright pursuant to the US and international copyright laws. You are granted a limited revocable license to print or download Content from our digital products for your own personal, non-commercial, non-transferrable, informational and educational use only while ensuring it’s not in violation of any copyright, trademark, and intellectual property or proprietary rights. Copying or storing our content for other than personal use is expressly prohibited without our prior written consent. 

    You acknowledge and agree that you have no right to share, modify, sell, edit, copy, reproduce, create derivative works of, reverse engineer, enhance or in any exploit our products. You cannot sell or redistribute any of our products, whether free or paid ones, without our express written consent.  You agree to abide by the copyright, trademark laws and intellectual property rights and shall be solely responsible for any violations of these terms and conditions.

    TERMINATION

    We reserve the right in our sole discretion to refuse, remove, restrict your access, revoke and terminate your use of our website including any or all Content published by you or us at any time for any reason, without notice. 

    NO REFUNDS 

    All sales of products and/or services on this website are final. No refunds will be issued. We truly believe in giving more than receiving and each of our products and services is designed by keeping this core principle in mind. The prices are intentionally kept reasonably low in price as compared to market value to give you the tools and information you need at an affordable price. 

    NO WARRANTIES 

    ALL CONTENT, INFORMATION, PRODUCTS AND/OR SERVICES ON THE WEBSITE ARE “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND INCLUDING THE WARRANTIES OF MERCHANTABILITY OR FITNESS FOR ANY PURPOSE, EXPRESS OR IMPLIED TO THE FULL EXTENT PERMISSIBLE BY LAW. COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONTENT, INFORMATION, MATERIALS, PRODUCTS AND/OR SERVICES PROVIDED ON THIS WEBSITE. COMPANY MAKES NO WARRANTIES THAT THE WEBSITE WILL PERFORM OR OPERATE TO MEET YOUR REQUIREMENTS OR THAT THE INFORMATION PRESENTED HERE WILL BE COMPLETE, CURRENT OR ERROR-FREE. COMPANY DISCLAIMS ALL WARRANTIES, IMPLIED AND EXPRESS FOR ANY PURPOSE TO THE FULL EXTENT PERMITTED BY LAW.

    LIMITATION OF LIABILITY

    You agree that under no circumstances, we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here. 

    You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, the outcome of your actions, personal and business results, and for all other use in connection with the website.

    You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here. 

    This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here. 

    INDEMNIFICATION

    You agree to indemnify and hold the Company and/or its officers, employees, successors, shareholders, joint venture partners or anyone else working with us harmless from all losses, claims, damages, demands, actions, suits, proceedings or judgments, including costs, expenses and reasonable attorneys’ fees (“Liabilities”) assessed against or otherwise incurred by you arising, in whole or in part, from: (a) actions or omissions, whether done negligently or otherwise, by you, your agents, directors, officers, employees or representatives; (b) all your actions and use of the website including purchasing products and services; (c) violation of any laws, rules, regulations or ordinances by you; or (d) violation of any terms and conditions of this website by you or anyone related to you; e) infringement by you or any other user of your account of any intellectual property or other rights of anyone. The Company will notify you promptly of any such claims or liability and reserves the right to defend such claim, liability or damage at your expense. You shall fully cooperate and provide assistance to us if requested, without any cost, to defend any such claims. 

    ENTIRE AGREEMENT

    These Terms and Conditions along with our Privacy Policy and Disclaimer constitute the entire agreement between you and us with respect to this website. It supersedes all prior or contemporaneous communications, discussions, negotiations or proposals we may have had with you whether electronic, oral or written. 

    A printed version of this entire agreement including the Privacy Policy and Disclaimer and of any notice given in electronic form shall be admissible in judicial or administrative proceedings with respect to this website to the same extent and given the same effect as other business contracts and documents kept and maintained in printed form. 

    SEVERABILITY

    If any provision in these Terms and Conditions is deemed by a court, regulatory authority or other public or private tribunal of competent jurisdiction to be invalid or unenforceable, such provision is deemed to have been omitted from this Agreement. The remainder of this Agreement remains in full force and effect, and is modified to any extent necessary to give such force and effect to the remaining provisions, but only to such extent.

    CONTACT

    For any questions, please contact us at kateyruthcreative@gmail.com