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The Relaxed Money Program 2026 | Terms of Use

By agreeing to the below terms, you agree to a binding agreement between You (herein referred to as “Client”) and NorthrupWatts LLC (herein collectively referred to as “Company” “We” or “Us”), (each party collectively as “Parties”), in consideration of the mutual promises made herein.

SERVICES

Company agrees to provide services of a program called Relaxed Money (herein referred to as “Program”). Client agrees to abide by all policies and procedures as outlined in this agreement as a condition of their participation in the Program.

DISCLAIMER

Client understands that Kate Northrup, (herein referred to as “Coach”) is not an employee, agent, lawyer, doctor, manager, therapist, business manager, registered dietician, or financial analyst, psychotherapist or accountant. Client understands that Coach has not promised, shall not be obligated to and will not; (1) procure or attempt to procure employment or business or sales for Client; (2) Perform any business management functions including but not limited to, accounting, tax or investment consulting, or advice with regard thereto; or (3) act as a therapist providing psychoanalysis, psychological counseling or behavioral therapy. Client understands that a coaching relationship does not exist between the parties after the conclusion of the Program. If the Parties continue their relationship, a separate agreement will be entered into.

PROGRAM STRUCTURE

  1. Relaxed Money – 13 Live & Interactive Modules
  2. 100% digital access
  3. Videos, audios, and transcripts included
  4. Downloads + handouts
  5. Course replay is lifetime access this includes modules, monthly coaching, and nervous system healing calls
  6. LIVE Monthly Coaching, Nervous System Healing Calls & Online Community for 1 year until May 2027
  7. Paid in Full Bonus – This is only given to the members who pay in full for $3000

FINANCIAL OBLIGATION

The Client understands the Program price is $3,000.00 (USD) a one-time payment or 6 payments of $594 (USD) or 12 payments of $297 (USD). The payment plan is billed 30 days after the first payment and runs until completion. Client is responsible for completing all payment plans associated with the products they purchase. We reserve the right to seek recovery of any monies remaining unpaid via our Collection Agency.

METHODS OF PAYMENT

Client is required to pay by credit, debit card, Apple pay, or Google Pay. Paypal is available for full pay only. We accept Visa, Mastercard, and American Express as a form of payment. If Client chooses to pay by monthly installments, he/she authorizes the monthly charge for the product on the Client’s credit card or debit card.

REFUNDS

We DO NOT offer refunds on the Program. We offer a Conditional Guarantee (see below).

Please note: If you opted for a payment plan, you are required by law to complete your payment plan. We reserve the right to seek recovery of any monies remaining unpaid via our Collection Agency.

CONDITIONAL GUARANTEE

We offer a 180-day Conditional Guarantee. We do not offer refunds. To request consideration for the Guarantee, Clients are required to complete the first four modules and submit the required work associated with each module. Please note: All returns and refunds are discretionary as determined by NorthrupWatts, LLC. If you have any questions, contact us at info@katenorthrup.com. As mentioned above, all returns are discretionary. If you just downloaded the Training Material (PDFs, audios, videos, additional workbooks, and/or etc.), and then promptly asked for a return, we reserve the right to deny your request. Why? Because the point of the policy is to give people the chance to try the system, and if it doesn’t work, they can get their money back. It wasn’t designed to enable people to steal the Training Material.

CONFIDENTIALITY

The Company respects Client’s privacy and insists that Client respects the Company’s. Thus, consider this a mutual non-disclosure agreement. Any Confidential Information shared by any representative of the Company is confidential, proprietary, and belongs solely and exclusively to the Party who discloses it. Both Parties agree not to disclose, reveal or make use of any Confidential Information or any transactions, during discussions, coaching calls or otherwise. Client agrees not to use such confidential information in any manner other than in discussion with the Company during the Program. Confidential Information includes, but is not limited to, information disclosed in connection with this Agreement, and shall not include information rightfully obtained from a third party. Both Parties will keep Confidential Information in strictest confidence and shall use the best efforts to safeguard the Confidential Information and to protect it against disclosure, misuse, espionage, loss and theft. Further, Client agrees that if they violate or display any likelihood of violating this section the Company will be entitled to injunctive relief to prohibit any such violations to protect against the harm of such violations.

NON-DISCLOSURE OF PROGRAM MATERIALS

Material given to Client in the course of Client’s work with the Company is proprietary, copyrighted and developed specifically for Company. Client agrees that such proprietary material is solely for Client’s own personal use. Any disclosure to a third party is strictly prohibited.

NO TRANSFER OF INTELLECTUAL PROPERTY

Company’s Program is copyrighted and the original materials that have been provided to Client are for Client’s individual use only and a single-user license. Client is not authorized to use any of Company’s intellectual property for Client’s business purposes. All intellectual property, including Company’s copyrighted program and/or course materials, shall remain the sole property of the Company. No license to sell or distribute Company’s materials is granted or implied. Further, by agreeing to these terms, Client agrees that if Client violates, or displays any likelihood of violating, any of Client’s agreements contained in this paragraph, the Company will be entitled to injunctive relief to prohibit any such violations and to protect against the harm of such violations.

AI USE AND DATA PRIVACY DISCLAIMER

Company may utilize artificial intelligence (“AI”) tools in connection with the creation, development, editing, or enhancement of the Program, including but not limited to content generation, copy editing, design support, and workflow efficiencies. Any AI tool included in the Program provided to Client is subject to human direction, review, and finalization. Company exercises professional judgment and oversight in all aspects of the services and deliverables. Company takes reasonable steps to protect Confidential Information and uses AI tools in a manner intended to maintain confidentiality and data security. However, Client acknowledges that certain AI tools may process data through third-party platforms, and Company cannot guarantee the security or confidentiality of information once transmitted outside of its direct control. Accordingly, Client agrees not to submit Confidential Information, proprietary, protected health information, or other sensitive data to Company without full awareness that any information shared publicly during the Program during coaching calls, in Circle, through any AI tool included in the Program (including Abbi AI) or in other public settings is not able to be kept confidential when third-party platforms or services are used. The Program, including any AI tool included in the Program (including Abbi AI), remain the intellectual property of Company unless otherwise expressly assigned in writing under this Agreement. The use of AI tools does not alter ownership rights or grant Client any rights beyond those expressly set forth in these Terms of Use.

RESTRICTIONS ON USE OF COMPANY MATERIALS WITH AI

Client agrees not to input, upload, or otherwise provide any of the Program materials into any artificial intelligence (“AI”) tools, machine learning systems, or automated content generation technologies for any purpose other than for self-awareness and learning. This includes, without limitation, the Program course content, frameworks, templates, worksheets, methodologies, recordings, and any other materials provided to Client (collectively, the “Program Materials”). Client may not use Program Materials for purposes such as summarization, analysis, rewriting, content generation, or the creation of derivative works through AI tools for any commercial or business use. Client further agrees not to use Program Materials to train, fine-tune, or otherwise contribute to any AI systems, language models, custom GPTs, or similar technologies (collectively, the “AI Tools or Technologies”). Any use of Program Materials in connection with AI Tools or Technologies requires Company’s prior express written consent. Client acknowledges that any unauthorized use of Program Materials in violation of these restrictions above may cause immediate and irreparable harm to Company for which monetary damages alone may be insufficient. Accordingly, Company shall be entitled to seek injunctive or equitable relief, in addition to any other rights and remedies available under this Agreement or applicable law. Company reserves the right to terminate Client’s access to the Program and Program Materials without refund in the event of a violation of these restrictions.

CLIENT RESPONSIBILITY

Client accepts and agrees that Client is fully responsible for their progress and results from the Program. Coach will help and guide Client however, participation is the one vital element to the Program’s success that relies solely on Client. Company makes no representations, warranties or guarantees verbally or in writing regarding Client’s performance. Client understands that because of the nature of the program and extent, the results experienced by each client may significantly vary. By agreeing to these terms, Client acknowledges there is no guarantee that Client will reach their goals as a result of participation in the Program.

INDEPENDENT CONTRACTOR STATUS

Nothing in this Agreement is to be construed as creating a partnership, venture alliance, or any other similar relationship. Each party shall be an independent contractor in its performance hereunder and shall retain control over its personnel and the manner in which such personnel perform hereunder. In no event shall such persons be deemed employees of the other party by virtue of participation or performance hereunder.

FORCE MAJEURE

In the event that any cause beyond the reasonable control of either Party, including without limitation acts of God, war, curtailment or interruption of transportation facilities, threats or acts of terrorism, State Department travel advisory, labor strike or civil disturbance, make it inadvisable, illegal, or impossible, either because of unreasonable increased costs or risk of injury, for either Party to perform its obligations under this Agreement, the affected Party’s performance shall be extended without liability for the period of delay or inability to perform due to such occurrence.

SEVERABILITY/WAIVER

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall nevertheless continue in full force. The failure of either Party to exercise any right provided for herein will not be deemed a waiver of that right or any further rights hereunder.

MODIFICATION

This Agreement constitutes and contains the entire agreement between the parties with respect to its subject matter, supersedes all previous discussions, negotiations, proposals, agreements and understandings between them relating to such subject matter.

MISCELLANEOUS

1) LIMITATION OF LIABILITY. Client agrees they used Company’s services at their own risk and that Program is only an educational service being provided. Client releases Company, its officers, employers, directors, and related entities from any and all damages that may result from any claims arising from any agreements, past or present, between the parties. Client accepts any and all risks, foreseeable or unforeseeable. Client agrees that Company will not be held liable for any damages of any kind resulting or arising from including but not limited to; direct, indirect, incidental, special, negligent, consequential, or exemplary damages happening from the use or misuse of Company’s services or enrollment in the Program. Client knowingly, voluntarily, and expressly, waives any claim for damages including but not limited to; injury or death Client may sustain as a result of participating in this Program. Client further declares and represents that no promise, inducement or agreement not herein expressed has been made to Client to enter into this release. The release made pursuant to this paragraph shall bind Client’s heirs, executors, personal representatives, successors, assigns, and agents.

2) NON-DISPARAGEMENT. In the event that a dispute arises between the Parties, the Parties agree and accept that the only venue for resolving such a dispute shall be in the venue set forth herein below. The parties agree that they neither will engage in any conduct or communications with a third party, public or private, designed to disparage the other. The Parties agree that neither will directly or indirectly, in any capacity or manner, make, express, transmit speak, write, verbalize or otherwise communicate in any way (or cause, further, assist, solicit, encourage, support or participate in any of the foregoing), any remark, comment, message, information, declaration, communication or other statement of any kind, whether verbal, in writing, electronically transferred or otherwise, that might reasonably be construed to be derogatory or critical of, or negative toward, each other or any of its programs, members, owner directors, officers, Affiliates, subsidiaries, employees, agents or representatives.

3) ASSIGNMENT. This Agreement may not be assigned by either party without express written consent of Company.

4) TERMINATION. By agreeing to these terms, Client agrees that the Company may, at its sole discretion, terminate this Agreement, and limit, suspend, or terminate Client’s participation in the Program without refund or forgiveness of monthly payments if Client becomes disruptive as determined by Company, or upon violation of the terms. The obligations of the Participant under this Agreement shall remain in effect in perpetuity after expiration or termination of this Agreement. Client will still be liable to pay the total contract amount.

5) INDEMNIFICATION. Client shall defend, indemnify, and hold harmless Company, Company’s officers, employers, employees, contractors, directors, related entities, trustees, affiliates, and successors from and against any and all liabilities and expense whatsoever – including without limitation, claims, damages, judgments, awards, settlements, investigations, costs, attorneys fees, and disbursements – which any of them may incur or become obligated to pay arising out of or resulting from the offering for sale, the sale, and/or use of the product(s), excluding, however, any such expenses and liabilities which may result from a breach of this Agreement or sole negligence or willful misconduct by Company, or any of its shareholders, trustees, affiliates or successors. Client shall defend Company in any legal actions, regulatory actions, or the like arising from or related to this Agreement. Client recognizes and agrees that all of the Company’s shareholders, trustees, affiliates and successors shall not be held personally responsible or liable for any actions or representations of the Company.

6) RESOLUTION OF DISPUTES. If not resolved first by good-faith negotiation between the parties, every controversy or dispute relating to this Agreement will be submitted to the American Arbitration Association. All claims against Company must be lodged within 100-days of the date of the first claim or otherwise be forfeited forever. The arbitration shall occur within ninety (90) days from the date of the initial arbitration demand. The parties shall cooperate to ensure that the arbitration process is completed within the ninety (90) day period. The parties shall cooperate in exchanging and expediting discovery as part of the arbitration process. The written decision of the arbitrators (which will provide for the payment of costs) will be absolutely binding and conclusive and not subject to judicial review, and may be entered and enforced in any court of proper jurisdiction, either as a judgment of law or a decree in equity, as circumstances may indicate. In disputes involving unpaid balances on behalf of Client, Client is responsible for any and all arbitration and attorney fees.

7) EQUITABLE RELIEF. In the event that a dispute arises between the Parties for which monetary relief is inadequate and where a Party may suffer irreparable harm in the absence of an appropriate remedy, the injured Party may apply to any court of competent jurisdiction for equitable relief, including without limitation a temporary restraining order or injunction.

8) NOTICES. Any notices to be given hereunder to Company may be effected by personal delivery or by mail, registered or certified, postage prepaid with return receipt requested. Mailed notices shall be addressed to the Company at the addresses appearing below. Notices delivered personally shall be deemed communicated as of the date of actual receipt; mailed notices shall be deemed communicated as of three (3) days after the date of mailing. For purposes of this Agreement, “personal delivery” includes notice transmitted by fax or electronic mail, provided sender maintains confirmation that the notice was properly transmitted on that date. Notice addresses and contact persons for the Company are as follows: Info@katenorthrup.com

This Agreement shall be binding upon and inure to the benefit of the parties hereto, their respective heirs, executors, administrators, successors and permitted assigns. Waiver of any breach or the failure to enforce any provision hereof shall not constitute a waiver of that or any other provision in any other circumstance.

This Agreement shall be governed by and construed in accordance with the laws of the State of Maine, United States of America. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original, and all of which, together, will constitute one and the same instrument. The parties hereto have caused this Agreement to be executed and delivered as of the date first written.

I have read and agree to the working agreements above, and will honor them during our coaching relationship.

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