Terms & Conditions

Effective Date: November 24, 2025

Welcome to the official websites and platforms of Dr. Stephanie Krol (“we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our websites, online platforms, educational programs, publishing services, digital marketing services, pet health content, coaching, courses, and all related offerings (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms.
If you do not agree, please do not use our Services.

1. Use of Our Services

You may use our Services only for lawful purposes and in accordance with these Terms.

By using our Services, you represent that:

You are at least 18 years old

You will provide accurate information

You will not misuse or interfere with our platforms

You will comply with all applicable laws, including real estate and educational regulations

We reserve the right to refuse access to anyone for any reason at any time.

2. Educational, Real Estate & Coaching Services

A. Real Estate Courses & Training

By enrolling in any real estate course or training program, you agree to:

Provide accurate license and personal information

Follow all course requirements

Not share course materials with others

Comply with state education and licensing rules

Enrollment does not guarantee licensure, exam passage, or job placement.

B. Coaching & Consulting

Coaching services are for educational and informational purposes only.
Coaching outcomes vary based on your personal effort and circumstances.

C. Pet Health & Canine Nutrition Content

All pet health information is educational only and not a replacement for veterinary care.

You agree not to rely solely on the content for medical decisions for your pet.

3. Publishing & Digital Marketing Services

If you submit a manuscript, project, or marketing content, you agree that:

You own or have rights to all submitted materials

You grant us permission to review and work on the materials

Unauthorized use of our proprietary processes or templates is prohibited

Publishing results, book sales, and marketing performance are not guaranteed.

4. Intellectual Property Rights

All content on our websites and Services—including:

Text

Guides

Courses

Videos

Books

Digital downloads

Graphics

Logos

Branding

Coaching materials

Curriculum

Publishing resources

is the exclusive property of Dr. Stephanie Krol and/or her companies.

You may NOT:

Copy

Reproduce

Distribute

Sell

Modify

Share

Upload

Publish

Reverse-engineer

any part of our content without written permission.

Violation may result in legal action.

5. User Accounts

If you create an account for courses, coaching, or publishing services:

You must keep your login credentials secure

You are responsible for all activity under your account

We may suspend or terminate your account for misuse

6. Payments, Fees & Refunds

Payments for Services, courses, publishing packages, digital downloads, coaching, and consulting are processed through secure third-party processors such as Stripe or PayPal.

A. All Sales Are Final

Unless otherwise stated in writing, all purchases—including:

Courses

Digital downloads

Publishing services

Coaching sessions

Marketing packages

are non-refundable.

B. Payment Plans

If you enroll in a payment plan, you agree to complete all scheduled payments.
Missed payments may result in suspension of Services.

7. Third-Party Links & Services

Our Services may include links to:

Amazon

Barnes & Noble

BookShop

Course portals

Scheduling tools

Social media platforms

Payment processors

We are not responsible for third-party content, privacy policies, or actions.
Use third-party sites at your own risk.

8. Disclaimers

A. Real Estate Disclaimer

We do not guarantee:

Licensure

Exam success

Employment

Career outcomes

Real estate laws vary by state; you are responsible for understanding your own licensing requirements.

B. Pet Health Disclaimer

All pet wellness information is educational, not medical or veterinary advice.
Always consult a licensed veterinarian before making health decisions for your pet.

C. Coaching & Business Results

We do not guarantee:

Income

Business growth

Sales outcomes

Book awards

Marketing success

Publishing results

Your results depend on your effort, market conditions, and other external factors.

9. Limitation of Liability

To the fullest extent permitted by law:

We are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our Services.

We do not guarantee uninterrupted, error-free, or secure access to the website or platforms.

You assume all responsibility for your decisions, results, and actions based on the content we provide.

If you are dissatisfied with any part of the Services, your sole remedy is to stop using them.

10. Indemnification

You agree to indemnify and hold harmless Dr. Stephanie Krol, her companies, employees, and partners from:

Claims

Losses

Damages

Liabilities

Legal fees

arising from your use of our Services or your violation of these Terms.

11. Termination

We may suspend or terminate your access to Services at any time, without notice, for:

Misuse of content

Payment issues

Violations of these Terms

Fraudulent or harmful activity

Upon termination, all rights granted to you cease immediately.

12. Changes to These Terms

We may update these Terms from time to time to reflect:

Legal changes

Service updates

Business growth

Platform modifications

When updated, the new Effective Date will be posted.
Continued use after changes means you accept the new Terms.

13. Contact Us

For questions or concerns about these Terms, contact:

Dr. Stephanie Krol
📍 Oak Brook, Illinois