Terms and Conditions
Off The Ladder LLC
Off The Ladder LLC
Website: www.offtheladder.org
Last Updated: February 18, 2026
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1. INTRODUCTION AND ACCEPTANCE OF TERMS
Welcome to Off The Ladder ("Company," "we," "us," or "our"), operated by Off The Ladder LLC, a Colorado limited liability company. These Terms and Conditions ("Terms") govern your access to and use of our website located at www.offtheladder.org, our course portal located at courses.offtheladder.org, and all related services, digital products, online courses, coaching services, downloadable resources, templates, tools, and content (collectively, the "Services").
By accessing our website, creating an account, purchasing any product or service, or otherwise using our Services, you ("User," "Student," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, located at https://courses.offtheladder.org/privacy-policy.
If you do not agree to these Terms, you must not access or use our Services.
We reserve the right to modify these Terms at any time, as described in Section 20. Your continued use of our Services following any changes constitutes your acceptance of the revised Terms.
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2. ELIGIBILITY
By using our Services, you represent and warrant that:
• You are at least 18 years of age or the age of majority in your jurisdiction, whichever is greater.
• You have the legal capacity to enter into a binding agreement.
• You will use the Services only for lawful purposes and in accordance with these Terms.
• All information you provide during registration, purchase, or otherwise is truthful, accurate, and complete.
• You are not located in a country subject to a U.S. government embargo or designated as a "terrorist-supporting" country, and you are not listed on any U.S. government list of prohibited or restricted parties.
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3. ACCOUNT REGISTRATION AND SECURITY
3.1 Account Creation. To access certain Services, you must create an account on our course platform, currently hosted by Kajabi. You agree to provide accurate, current, and complete information during registration and to update such information as necessary to keep it accurate and complete.
3.2 Account Security. You are solely responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to immediately notify us at support@offtheladder.org if you become aware of any unauthorized use of your account or any other breach of security.
3.3 One User Per Account. Each account is for a single individual user only. You may not share your login credentials, account access, or course materials with any other person. Sharing account access constitutes a material breach of these Terms and may result in immediate termination of your account without refund.
3.4 Account Responsibility. We are not liable for any loss or damage arising from your failure to protect your account credentials. You are fully responsible for all activities conducted through your account, whether or not authorized by you.
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4. SERVICES AND DIGITAL PRODUCTS
4.1 Description of Services. Off The Ladder offers digital educational products and services including, but not limited to:
• Online courses and programs
• eBooks and digital downloads
• One-on-one (1:1) coaching sessions
• Templates, tools, worksheets, and frameworks
• Community forums or discussion areas (when available)
• Live events, webinars, or group sessions (when available)
4.2 Course Access. Upon successful purchase and full payment (or enrollment in an active payment plan in good standing), you will be granted access to the applicable course materials. Unless otherwise specified in the applicable offer terms, course access is provided for the lifetime of the product, meaning for as long as the course remains available on our platform. We reserve the right to update, modify, discontinue, or retire any course or content at any time, with or without notice.
4.3 Delivery of Digital Products. All digital products are delivered electronically through our course portal. You are responsible for ensuring you have the necessary technology, internet connection, and compatible devices to access and use the Services.
4.4 Coaching Services. 1:1 coaching sessions, if included in your purchase or purchased separately, are personalized services. Scheduling, cancellation, and rescheduling policies for coaching sessions will be communicated at the time of purchase or booking. Coaching sessions not used within the timeframe specified at the time of purchase may expire and are not transferable or refundable.
4.5 Service Modifications. We reserve the right to modify, update, enhance, or discontinue any aspect of our Services at any time. While we strive to improve our offerings, we do not guarantee that specific features, lessons, modules, or content will remain unchanged or available indefinitely.
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5. PAYMENT TERMS
5.1 Pricing. All prices are listed in U.S. dollars (USD) unless otherwise stated. Prices are subject to change at any time without prior notice. The price in effect at the time of your purchase will apply to your transaction.
5.2 Payment Processing. Payments are processed through our third-party payment processors, currently Kajabi Payments and Stripe. By making a purchase, you agree to the terms and policies of the applicable payment processor:
• Stripe: https://stripe.com/legal
• Kajabi: https://kajabi.com/policies/terms
We do not store your full credit card or payment information on our servers. All payment data is handled directly by our payment processors in accordance with their security standards.
5.3 Payment Plans. We may offer payment plan options for certain products or services. If you enroll in a payment plan:
• You authorize recurring charges to your selected payment method according to the schedule presented at checkout.
• You are responsible for the full purchase price regardless of whether you complete or use the course.
• Before completing enrollment in a payment plan, you will be shown the exact number of payments, the amount of each payment, and the billing date for each installment. This information will also be confirmed in your enrollment confirmation email.
• Failed Payments: If a scheduled payment fails or is missed, your access to course materials will be temporarily suspended until payment is restored. Access will be reinstated once all outstanding payments are brought current. Repeated payment failures may result in permanent termination of access and forfeiture of any amounts already paid, at our sole discretion.
• Failure to make payments does not constitute cancellation of your payment obligation. You remain responsible for the total purchase price.
• To cancel future payments after any applicable guarantee period, contact support@offtheladder.org. Cancellation of future payments does not release you from the obligation to pay amounts already due or to pay the full purchase price for any services already rendered.
• Chargebacks and Payment Disputes: In the event of a chargeback or payment dispute initiated with your bank or payment provider, Off The Ladder LLC reserves the right to immediately suspend your access to all Services pending resolution of the dispute. Filing a chargeback or payment dispute does not relieve you of your payment obligations under these Terms.
5.4 Third-Party Financing. We may offer third-party financing options such as Klarna, Afterpay, or similar services. If you use such services, your purchase is also subject to the terms and conditions of that financing provider. Refunds for purchases made through third-party financing will be processed according to the applicable provider's policies.
5.5 Taxes. You are responsible for any applicable sales tax, VAT, or other taxes associated with your purchase, as required by law.
5.6 Currency and International Purchases. All transactions are processed in USD. If you are purchasing from outside the United States, your bank or payment provider may charge additional fees for currency conversion or international transactions. These fees are your sole responsibility.
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6. REFUND POLICY
6.1 General Refund Policy. Refund eligibility, conditions, timeframes, and specific terms vary by product or service and will be clearly stated on the applicable sales page and/or at checkout. By completing a purchase, you agree to the refund terms as presented at the time of your transaction.
6.2 Offer-Specific Terms. Specific refund details, including any guarantees, qualifying conditions, deadlines, and exceptions, are outlined in the Abbreviated Terms and Conditions presented at checkout for each offer. Those offer-specific terms are incorporated into and form part of these Terms.
6.3 Coaching and Personalized Services. 1:1 coaching sessions, personalized reviews, and other individually delivered services are non-refundable once rendered, as they constitute personalized professional services that cannot be "returned." Refund terms for bundled offers that include coaching will be specified in the applicable offer terms.
6.4 Digital Downloads. eBooks, templates, tools, and other downloadable digital products are non-refundable once downloaded or accessed, due to the nature of digital goods.
6.5 Refund Process. Approved refunds will be processed to the original payment method within 5–7 business days. Refund requests must be submitted to support@offtheladder.org.
6.6 Access After Refund. Upon processing of a refund, your access to the applicable course materials and digital products will be revoked within 24 hours. You must immediately cease use of and delete any downloaded materials associated with the refunded purchase.
6.7 Re-Enrollment. If you receive a refund, you may re-enroll in the same program at any time at the then-current pricing.
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7. INTELLECTUAL PROPERTY
7.1 Ownership. All content, materials, curriculum, videos, audio, text, graphics, logos, trademarks, trade names, course materials, worksheets, templates, frameworks, tools, slide decks, and any other intellectual property available through our Services (collectively, "Content") are the exclusive property of Off The Ladder LLC and/or Jorunn Cloutier, and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
7.2 Limited License. Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the purchased Content solely for your personal, non-commercial educational purposes. This license does not transfer any ownership rights to you.
7.3 Prohibited Uses. You may NOT, under any circumstances:
• Copy, reproduce, distribute, publish, display, or transmit any Content, in whole or in part
• Share, resell, sublicense, rent, lease, or lend your account access or any Content to any third party
• Create derivative works based on the Content
• Use any Content for commercial purposes, including but not limited to incorporating Content into your own courses, coaching programs, workshops, presentations, or training materials
• Record, screenshot, screen capture, or otherwise duplicate video lessons, webinars, or live sessions
• Upload, post, or share Content on any website, social media platform, file-sharing service, or other public or private medium
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Content
• Use any automated means (bots, scrapers, etc.) to access or download Content
7.4 Enforcement. Any unauthorized use of our Content constitutes a material breach of these Terms and may result in immediate termination of your account and access without refund. We reserve the right to pursue all available legal remedies, including but not limited to claims for copyright infringement, injunctive relief, and monetary damages.
7.5 Trademarks. "Off The Ladder," "Level Up Like An Insider," and all associated logos, taglines, and brand elements are trademarks or service marks of Off The Ladder LLC. You may not use any of our trademarks without prior written consent.
7.6 User Content. If you submit any content to our platform (including community posts, comments, testimonials, or feedback), you grant Off The Ladder LLC a non-exclusive, royalty-free, perpetual, worldwide license to use, display, reproduce, and distribute such content in connection with our business operations and marketing, unless you request otherwise in writing.
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8. EDUCATIONAL DISCLAIMER
8.1 Educational Purposes Only. All Content, courses, coaching, and Services provided by Off The Ladder and Jorunn Cloutier are for educational and informational purposes only. Nothing in our Services constitutes legal, financial, tax, medical, psychological, or other professional advice.
8.2 Not a Substitute for Professional Advice. While our programs reflect career strategies based on over 20 years of HR experience, they should not replace consultation with qualified legal, financial, HR, or other professionals regarding your specific situation. You should always consult with appropriate licensed professionals before making significant career, legal, financial, or personal decisions.
8.3 HR-Related Content. Content related to human resources practices, compensation, negotiations, employment law, workplace policies, and related topics is provided for general educational purposes. HR practices, employment laws, and workplace regulations vary significantly by employer, industry, jurisdiction, and country. You are solely responsible for verifying the applicability of any information to your specific circumstances.
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9. NO GUARANTEE OF RESULTS
9.1 Individual Results Vary. Career advancement outcomes vary significantly based on individual circumstances, including but not limited to industry, company culture, employer policies, personal effort, experience level, implementation of program strategies, market conditions, geographic location, and numerous other factors beyond our control. Many students who enroll in our programs do not achieve promotion, salary increases, or the other results described in our marketing materials. Testimonials, case studies, and any income or salary figures referenced represent exceptional individual experiences, not typical outcomes. Neither Off The Ladder LLC nor Jorunn Cloutier promises or guarantees any specific results, outcomes, income levels, promotions, salary increases, or career changes of any kind.
9.2 Testimonials and Examples. Any testimonials, success stories, examples, or case studies shared through our Services or marketing materials represent individual experiences and are not intended as a guarantee, promise, or prediction of your results. Individual results will vary, and your results may differ materially from those described.
9.3 Earnings and Career Disclaimers. Any references to income, salary increases, promotions, or career advancement in our marketing materials or course content are illustrative examples only and should not be interpreted as guarantees or promises. Your success depends entirely on your own effort, decisions, circumstances, and factors outside our control.
9.4 No Professional Relationship. Purchasing our products or services does not create an employer-employee, attorney-client, fiduciary, or any other professional relationship between you and Off The Ladder LLC or Jorunn Cloutier.
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10. USER CONDUCT AND COMMUNITY GUIDELINES
10.1 Acceptable Use. You agree to use our Services in a manner that is respectful, lawful, and consistent with the purpose of professional development and career advancement education. You will not use our Services in any way that could damage, disable, overburden, or impair our platform.
10.2 Prohibited Conduct. When using our Services, including any community forums, discussion areas, group coaching sessions, or live events, you agree NOT to:
• Engage in hate speech, harassment, bullying, threats, or discrimination of any kind
• Post or share spam, unsolicited advertising, or promotional content
• Share false, misleading, defamatory, or harmful information
• Violate the privacy of other users by sharing their personal information
• Engage in any illegal activity or encourage others to do so
• Disrupt the learning experience of other students or participants
• Impersonate any person or entity
• Solicit other students or members for competing products or services
• Use profane, vulgar, or inappropriate language in community spaces
10.3 Enforcement. We reserve the right, at our sole discretion, to remove any content, restrict access, or terminate your account if you violate these conduct guidelines or if your behavior is deemed harmful to the community, other users, or our business. Such termination may occur without refund.
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11. TERMINATION AND SUSPENSION OF ACCESS
11.1 Termination by Us. We reserve the right to suspend or terminate your access to any or all Services, with or without notice, for any reason, including but not limited to:
• Violation of these Terms
• Breach of community guidelines or user conduct policies
• Sharing or distributing course materials in violation of Section 7
• Sharing account credentials with third parties
• Fraudulent activity, chargebacks, or payment disputes initiated in bad faith
• Failed or missed payments under a payment plan
• Any conduct we deem harmful to our business, brand, community, or other users
11.2 Effect of Termination. Upon termination:
• Your access to all purchased Services will be revoked
• You must immediately cease using and delete any downloaded Content
• Any outstanding payment obligations remain due and payable
• Sections of these Terms that by their nature should survive termination will remain in effect, including but not limited to Sections 7, 8, 9, 12, 13, 14, 15, and 16
11.3 Termination by You. You may close your account at any time by contacting support@offtheladder.org. Closing your account does not entitle you to a refund unless you meet the criteria outlined in Section 6 and the applicable offer-specific terms. Closing your account does not relieve you of any outstanding payment obligations.
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12. LIMITATION OF LIABILITY
12.1 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OFF THE LADDER LLC, JORUNN CLOUTIER, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE "COMPANY PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER THE COMPANY PARTIES WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12.2 IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE COMPANY PARTIES FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES EXCEED THE TOTAL AMOUNT YOU ACTUALLY PAID TO OFF THE LADDER LLC IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
12.3 The Company Parties shall not be liable for any actions you take or decisions you make based on information, education, coaching, or strategies provided through our Services. You assume full responsibility for your career decisions, negotiations, employment actions, and any outcomes resulting therefrom.
12.4 The Company Parties shall not be liable for any damages or losses resulting from: (a) your failure to maintain the security of your account; (b) any unauthorized access to your account; (c) service interruptions, platform downtime, or technical issues; (d) actions or policies of third-party service providers; or (e) circumstances beyond our reasonable control.
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13. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless the Company Parties from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:
• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Any content you submit or share through our platform
• Any career decisions, employment actions, negotiations, or workplace conduct undertaken based on information obtained through our Services
• Any dispute between you and your employer, prospective employer, or any other third party
• Your violation of any applicable law, regulation, or ordinance
This indemnification obligation shall survive the termination of your account and these Terms.
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14. DISPUTE RESOLUTION
14.1 Informal Resolution. Before initiating any formal dispute resolution process, you agree to first contact us at support@offtheladder.org to attempt to resolve the dispute informally. You agree to allow at least thirty (30) days for informal resolution before pursuing mediation or arbitration.
14.2 Mediation. If the dispute cannot be resolved informally, the parties agree to attempt mediation before a mutually agreed-upon mediator in Douglas County, Colorado, or via video conference, before pursuing arbitration or litigation. The costs of mediation shall be shared equally between the parties.
14.3 Binding Arbitration. If mediation is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered in accordance with the rules of the American Arbitration Association ("AAA"). The arbitration shall take place in Douglas County, Colorado, or via video conference at the arbitrator's discretion. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
14.4 Exceptions. Notwithstanding the above, either party may seek injunctive or equitable relief in a court of competent jurisdiction for claims involving intellectual property infringement or unauthorized use of proprietary materials.
14.5 Class Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. If this class action waiver is found unenforceable as to any particular claim or request for relief, then the parties agree that such claim or request for relief will be resolved in court rather than in arbitration, and all remaining claims shall proceed in arbitration on an individual basis.
14.6 Time Limitation. Any claim arising out of or related to these Terms must be filed within one (1) year of the date the cause of action arose, or the claim shall be permanently barred.
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15. GOVERNING LAW AND JURISDICTION
These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, United States of America, without regard to its conflict of law provisions. To the extent that any legal proceeding is permitted outside of arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Douglas County, Colorado.
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16. THIRD-PARTY SERVICES AND LINKS
16.1 Third-Party Platforms. Our Services are delivered through and supported by third-party platforms and services, including but not limited to Kajabi (course hosting), Stripe (payment processing), and other tools and integrations. Your use of these third-party services is subject to their respective terms and conditions and privacy policies. We are not responsible for the practices, content, or availability of any third-party services.
16.2 External Links. Our website and course materials may contain links to third-party websites or resources. These links are provided for convenience and informational purposes only. We do not endorse, control, or assume responsibility for the content, products, services, or practices of any third-party websites.
16.3 Third-Party Liability. We shall not be liable for any damages, losses, or issues arising from your use of or reliance on third-party services, platforms, tools, or websites.
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17. MISCELLANEOUS PROVISIONS
17.1 Entire Agreement. These Terms, together with our Privacy Policy located at https://courses.offtheladder.org/privacy-policy, any applicable offer-specific Abbreviated Terms and Conditions, and any other policies or agreements referenced herein, constitute the entire agreement between you and Off The Ladder LLC regarding your use of the Services.
17.2 Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
17.3 Waiver. Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or the right to enforce it at a later time.
17.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
17.5 Force Majeure. We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, government actions, internet outages, platform failures, or other force majeure events.
17.6 Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.
17.7 No Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights.
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18. ACCESSIBILITY
Off The Ladder LLC is committed to making our course content accessible to individuals with disabilities. If you require an accommodation to access any course materials or Services, please contact us at support@offtheladder.org and we will work with you to provide reasonable accommodations. Our platform is designed to meet accessibility standards to the extent reasonably practicable.
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19. CHILDREN AND MINORS
Our Services are intended for adults. We do not knowingly collect personal data from individuals under 18 years of age. If you believe a minor has enrolled or provided personal information, please contact us immediately at support@offtheladder.org. See also our Privacy Policy for additional information regarding children's privacy.
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20. CHANGES TO TERMS
We reserve the right to update, modify, or replace these Terms at any time at our sole discretion. Changes will be posted on this page at https://courses.offtheladder.org/Terms-and-Conditions with the "Last Updated" date revised accordingly. It is your responsibility to review these Terms periodically. Your continued use of our Services after any changes constitutes your acceptance of the revised Terms. Material changes will be communicated via notice on our website.
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21. CONTACT INFORMATION
If you have any questions, concerns, or requests regarding these Terms, please contact us at:
Off The Ladder LLC
Email: support@offtheladder.org
Contact Page: https://courses.offtheladder.org/contact
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22. ACKNOWLEDGMENT
By accessing or using our Services, creating an account, or making a purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of our Services.
