Effective Date: [08/03/2026]

1. Acceptance of Terms

By accessing kay-ready.com, you agree to be bound by these Terms of Service.

2. Services

Kay Ready Consulting provides consulting and advisory services.
We reserve the right to modify or discontinue services at any time.

3. User Responsibilities

You agree:

• To provide accurate information

• Not to misuse the website or services

• Not to engage in unlawful activity

4. Communications Consent

By submitting your contact details, you agree to receive communications via:

• SMS (through Twilio)

• Email

• Phone calls

Disclosure:

• Consent is not required for purchase

• Message/data rates may apply

• Reply STOP to opt out

5. Payment & Fees

• Fees will be disclosed before service engagement

• Payments are non-refundable unless stated otherwise

6. Intellectual Property

All content on this website is owned by Kay Ready Consulting and may not be copied, distributed, or reused without permission.

7. Limitation of Liability

We are not liable for:

• Indirect or consequential damages

• Loss of profits or data

• Outcomes resulting from consulting advice

All services are provided “as is” without guarantees.

8. Disclaimer

Consulting services do not constitute:

• Legal advice

• Financial advice

• Investment guarantees

You are responsible for decisions made based on our services.

9. Third-Party Services

We may use third-party platforms (including Twilio).
We are not responsible for their policies or performance.

10. Termination

We reserve the right to terminate access if:

• Terms are violated

• Fraud or misuse is detected

11. Governing Law

These Terms are governed by the laws of AR, USA.

12. Changes to Terms

We may update these Terms at any time. Continued use of the site constitutes acceptance.

13. Contact

support@kay-ready.com
kay-ready.com