Terms of Service
Karla Booe Advisory | Effective Date: April 20, 2026
Please read these Terms of Service carefully before purchasing or using any products or services offered by Karla Booe Advisory. By purchasing a product or accessing our website, you agree to be bound by these terms.
1. About Karla Booe Advisory
Karla Booe Advisory provides practitioner-built compliance tools, training resources, newsletters, and advisory services for community banks, credit unions, fintechs, and related financial services organizations. Our products are designed to support operational compliance implementation and are not a substitute for legal advice.
2. Digital Products — License and Use
When you purchase a digital product from Karla Booe Advisory, you receive a non-exclusive, non-transferable license to use that product for your own internal business purposes, subject to the following conditions:
• You may customize and adapt the product for use within your own organization
• You may not resell, redistribute, sublicense, or share the product with any third party outside your organization
• You may not reproduce or publish the product content in any public-facing format, course, or publication without prior written permission
• You may not represent the product as your own original work or remove Karla Booe Advisory branding
Each purchase covers use by a single organization. If you wish to use our products across multiple entities or for client distribution, please contact us to discuss licensing options.
3. Not Legal Advice
All products, resources, newsletter content, and advisory services provided by Karla Booe Advisory are designed to support operational compliance implementation. They are not legal advice and should not be relied upon as a complete or definitive interpretation of any regulation or law.
Users are responsible for evaluating the applicability of all content to their specific program structure, operating model, product features, state laws, and regulatory obligations. We strongly recommend consulting qualified legal counsel for legal questions and interpretations.
4. Not a Complete Regulatory Inventory
Our compliance toolkits and matrices are designed as practitioner starting points covering core, commonly applicable requirements. They do not represent a complete inventory of all regulations that may apply to your specific program. Additional requirements may apply based on your product features, operating model, state footprint, sponsor bank expectations, and emerging regulatory guidance.
It is your responsibility to identify and address all applicable requirements for your specific program.
5. Payment and Pricing
All prices are listed in US dollars. Payment is processed securely through Stripe. By completing a purchase, you authorize the charge to your payment method for the amount displayed at checkout.
We reserve the right to change pricing at any time. Price changes will not affect purchases already completed.
6. Refund Policy
Because our products are digital files delivered immediately upon purchase, all sales are final. We do not offer refunds on digital product purchases except in the following circumstances:
• You were charged an incorrect amount due to a technical error
• The file you received was corrupted or could not be opened
• You were charged for a product you did not purchase
If you believe you qualify for a refund under these circumstances, contact us at karla@karlaboooadvisory.com within 7 days of purchase with a description of the issue. We will review your request and respond within 3 business days.
7. Newsletter Subscriptions
Paid newsletter subscriptions (The Compliance Brief) are billed on a monthly or annual basis as selected at the time of subscription. You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. We do not provide prorated refunds for partial subscription periods.
8. Intellectual Property
All content published by Karla Booe Advisory — including products, website content, newsletter issues, training materials, and all associated materials — is the intellectual property of Karla Booe Advisory and is protected by applicable copyright and intellectual property laws.
Nothing in these Terms transfers any intellectual property rights to you beyond the limited license described in Section 2.
9. Disclaimer of Warranties
Our products and services are provided "as is" without warranty of any kind, express or implied. We do not warrant that our products will be error-free, complete, or suitable for any particular purpose. We make no representations regarding the accuracy, completeness, or currentness of any regulatory content, which is subject to change.
10. Limitation of Liability
To the maximum extent permitted by applicable law, Karla Booe Advisory shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our products or services, including but not limited to regulatory findings, examination results, penalties, or losses of any kind.
Our total liability for any claim arising from a product purchase shall not exceed the amount you paid for that specific product.
11. Changes to These Terms
We reserve the right to update these Terms of Service at any time. When we do, we will update the effective date at the top of this page. Continued use of our products or website after changes are posted constitutes acceptance of the updated terms.
12. Governing Law
These Terms of Service are governed by the laws of the State of Arkansas, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the courts of Arkansas.
13. Contact Us
If you have questions about these Terms of Service, please contact us at:
Karla Booe Advisory
Email: karla@karlabooeadvisory.com
Website: KarlaBooeAdvisory.com