Terms & Conditions

Effective Date: Jan 1, 2026

Welcome to lauraczuba.com (the "Site"). These Terms and Conditions ("Terms") govern your access to and use of the Site and services provided by Laura Czuba ("we," "our," or "us"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Site.

1. ACCEPTANCE OF TERMS

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Laura Czuba.

2. DESCRIPTION OF SERVICES

Laura Czuba provides AI consulting services, technology transformation consulting, workshops, and related services ("Services") primarily to healthcare organizations. Our Services include but are not limited to:

  • AI Strategy & Implementation Consulting

  • AI Governance Development

  • Technology & Transformation Consulting

  • Workshops & Training Programs

  • AI Readiness Assessments

  • Digital resources and content

3. ELIGIBILITY AND USER RESPONSIBILITIES

3.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our Site and Services. By using the Site, you represent and warrant that you meet these requirements.

3.2 Account Security

If you create an account or register for services, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.3 Prohibited Uses

You agree not to:

  • Use the Site for any unlawful purpose or in violation of these Terms

  • Attempt to gain unauthorized access to the Site or related systems

  • Interfere with or disrupt the Site or servers

  • Transmit viruses, malware, or other harmful code

  • Collect or harvest information from the Site using automated means

  • Impersonate any person or entity

  • Violate any applicable laws or regulations

4. INTELLECTUAL PROPERTY RIGHTS

4.1 Our Content

All content on the Site, including but not limited to text, graphics, logos, images, videos, software, and the 4D Framework methodology ("Content"), is the property of Laura Czuba and is protected by United States and international copyright, trademark, and other intellectual property laws.

4.2 Trademarks

"Laura Czuba," the Laura Czuba logo, "4D Framework," and other marks used on the Site are trademarks or registered trademarks of Laura Czuba. You may not use these marks without our prior written permission.

4.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Content for personal, non-commercial purposes. This license does not include the right to:

  • Modify, copy, distribute, transmit, display, reproduce, or create derivative works from the Content

  • Use the Content for commercial purposes

  • Remove any copyright or proprietary notices from the Content

  • Use data mining, robots, or similar data gathering tools

  • Frame or mirror any portion of the Site

4.4 User Content

If you submit content to the Site (e.g., comments, testimonials, or feedback), you grant us a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, adapt, publish, and display such content for business purposes.

5. CONSULTING SERVICES TERMS

5.1 Engagement Process

Consulting services are provided pursuant to separate written agreements. These Terms govern your use of the Site; specific service terms will be outlined in service agreements, proposals, or statements of work.

5.2 Scope of Services

The scope, deliverables, timeline, and fees for consulting services will be defined in a written agreement. We reserve the right to modify the scope if circumstances change, subject to mutual agreement.

5.3 Client Responsibilities

You agree to:

  • Provide timely access to necessary information, personnel, and systems

  • Respond promptly to requests for information or decisions

  • Ensure that your team is available for scheduled meetings and workshops

  • Comply with agreed-upon timelines and milestones

5.4 Changes to Scope

Any changes to the agreed-upon scope of services must be documented in writing and may result in adjustments to fees and timelines.

6. PAYMENT TERMS

6.1 Fees

Fees for services will be specified in your service agreement or proposal. All fees are in U.S. dollars unless otherwise stated.

6.2 Payment Schedule

Payment terms will be outlined in your service agreement and may include:

  • Upfront deposits or retainers

  • Milestone-based payments

  • Monthly retainer fees

  • Payment due upon completion

6.3 Late Payment

Late payments may be subject to interest charges of 1.5% per month or the maximum rate permitted by law, whichever is lower.

6.4 Refund Policy

Refunds, if applicable, will be addressed in your specific service agreement. Generally:

  • Deposits and retainers are non-refundable

  • Fees for work completed are non-refundable

  • Workshop and event registrations may have specific cancellation policies

7. CANCELLATION AND TERMINATION

7.1 Cancellation by You

You may cancel services by providing written notice as specified in your service agreement. Cancellation fees may apply for work already performed or committed resources.

7.2 Cancellation by Us

We reserve the right to cancel or suspend services if:

  • You fail to make timely payments

  • You breach these Terms or your service agreement

  • You engage in conduct that is harmful to our business or reputation

  • Circumstances beyond our control make it impractical to continue

7.3 Effect of Termination

Upon termination:

  • You must pay all outstanding fees for services rendered

  • We will deliver any completed work products

  • Confidentiality obligations remain in effect

  • Neither party will be liable for any damages resulting solely from termination

8. CONFIDENTIALITY

8.1 Definition

"Confidential Information" includes any non-public information disclosed by either party, including business plans, strategies, financial information, technical data, and client information.

8.2 Obligations

Both parties agree to:

  • Keep Confidential Information strictly confidential

  • Use Confidential Information only for the purposes of the engagement

  • Not disclose Confidential Information to third parties without written consent

  • Protect Confidential Information with the same degree of care used for their own confidential information

8.3 Exceptions

Confidentiality obligations do not apply to information that:

  • Is publicly available through no fault of the receiving party

  • Was already known to the receiving party

  • Is independently developed without use of Confidential Information

  • Must be disclosed by law or court order

9. LIMITATION OF LIABILITY

9.1 Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

  • The Site will be uninterrupted, secure, or error-free

  • The results obtained from using the Site will be accurate or reliable

  • Any errors in the Site will be corrected

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LAURA CZUBA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU TO US IN THE SIX (6) MONTHS PRECEDING THE CLAIM, OR $500, WHICHEVER IS GREATER.

9.3 Professional Advice Disclaimer

Our consulting services provide business and technology advice. They do not constitute medical, legal, financial, or other professional advice. You should consult with appropriate licensed professionals for specific advice tailored to your situation.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Laura Czuba, its officers, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Site or Services

  • Your violation of these Terms

  • Your violation of any rights of another party

  • Your breach of any representation or warranty made herein

11. DISPUTE RESOLUTION

11.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions.

11.2 Arbitration

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall take place in Columbus, Ohio.

11.3 Exceptions to Arbitration

Either party may seek injunctive relief in court to protect intellectual property rights or confidential information.

11.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

12. GENERAL PROVISIONS

12.1 Entire Agreement

These Terms, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Laura Czuba regarding the Site and Services.

12.2 Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Site with a new "Effective Date." Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

12.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

12.4 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

12.5 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

12.6 Force Majeure

Neither party shall be liable for any failure or delay in performance due to circumstances beyond their reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, or government actions.

12.7 Independent Contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

12.8 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to confidentiality, intellectual property, limitation of liability, and dispute resolution provisions.

13. CONTACT INFORMATION

If you have questions about these Terms, please contact us at:

Laura Czuba Email: laura@lauraczuba.com Address: Columbus, Ohio Phone: 614-383-8216

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND AGREE TO BE BOUND BY THEM.