Legal Information

Company Details

Statutory disclosure under the Companies (Trading Disclosures) Regulations 2008

K2 Effect is a trading name and project of Kathie Kozlak Ltd. References to “K2 Effect”, “we”, or “us” throughout this site refer to Kathie Kozlak Ltd.

Terms & Conditions

Last updated: March 2026

1. Scope

These Terms apply to all services and programs offered by K2 Effect – including currently available programs, one-off services, digital products, and future programs as they become available. Specific details of each service (scope, format, duration, pricing) are set out on the relevant page on keffect.pl and in your individual client agreement. In the event of any conflict between these Terms and your individual client agreement, the client agreement takes precedence.

2. Nature of Services

K2 Effect provides relationship design services – a structural, intentional approach to how couples build and organise their partnership. This is not therapy, psychotherapy, counselling, coaching, or any form of clinical or medical treatment. Participation does not create a therapeutic or clinical relationship.

If you or your partner are experiencing mental health difficulties, a relationship crisis, or require clinical support, please consult a qualified mental health professional.

3. Eligibility

By enrolling in or purchasing any K2 Effect service, you confirm that:

• You are at least 18 years of age with the legal capacity to enter a binding contract
• You are enrolling voluntarily and are not in a mental health crisis
• Where enrolling as a couple, both partners have given informed consent
• The information you provide is accurate and complete

4. Contract Formation

A binding contract is formed when you submit your enrollment or order and we send you a written confirmation by email. We reserve the right to decline an enrollment before a contract is formed, in which case any payment received will be refunded in full. These Terms, together with your individual client agreement and any service-specific documentation, form the entire agreement between us.

5. Payment

Pricing for each service is displayed on the relevant page on keffect.pl and confirmed in your individual client agreement. Payment terms and any installment schedules are agreed at enrollment.

Payments are due as set out in your agreement. Late or missed payments may result in suspension of access to program materials and sessions. Outstanding balances may be pursued through legal means if necessary.

6. Cancellation and Refund Policy

14-day cooling-off period: If you have not yet commenced the service and cancel within 14 days of your contract being confirmed, you are entitled to a full refund. To cancel, contact us in writing at hello@keffect.pl within 14 days. This right applies under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 (UK) and the EU Consumer Rights Directive (2011/83/EU) where applicable.

If you request the service to begin before the 14-day cooling-off period expires and subsequently cancel, you will be charged proportionally for services delivered. Any remaining balance will be refunded.

After service commencement: Once a service has commenced and the cooling-off period has expired, all payments made are non-refundable. You are purchasing the program as a whole, and the fee is not divisible by default.

Exceptions by mutual agreement only: If you wish to discontinue participation after commencement, you may contact us at hello@keffect.pl to discuss your situation. Any partial refund or credit is entirely at our discretion and requires written mutual agreement. We may consider a proportional refund for genuinely unused portions of a service where exceptional circumstances apply, but we are under no obligation to provide one.

If we cancel: Where Kathie Kozlak Ltd cancels a service it has agreed to deliver (for reasons other than your breach of these Terms), we will refund a proportion of the fee corresponding to the unused portion of the service, determined in good faith based on the agreed program structure.

7. Exceptional Circumstances

In the event of serious illness, bereavement, or other exceptional personal circumstances beyond your control, please contact us as early as possible. We will consider requests for a program pause, deferral, or transfer on a case-by-case basis at our discretion. Such arrangements require written agreement and are not an automatic entitlement to a refund.

8. Rescheduling

Sessions may be rescheduled with a minimum of 48 hours’ notice. Sessions cancelled or missed without adequate notice may, at our discretion, be treated as delivered.

9. Confidentiality

We treat all client information with strict confidentiality and will not disclose it to third parties without your consent, except where required by law. You agree to treat all K2 Effect materials, frameworks, and methodologies shared during a service as confidential. Unauthorised reproduction, sharing, or distribution is prohibited.

10. Intellectual Property

All content created and published by Kathie Kozlak Ltd is our intellectual property. This includes all content on keffect.pl; all program and service materials, frameworks, methodologies, and tools; all content published on K2 Effect social media accounts and channels (posts, graphics, videos, reels, stories, captions, and all other media, regardless of platform); and all emails, newsletters, and other distributed content.

Program materials are licensed to you for personal use only. You may not copy, adapt, publish, sell, redistribute, or use them commercially without our prior written permission. Sharing organic social content with attribution (where platform features permit) is acceptable. Editing, reproducing, or commercial use of our content without permission is not.

11. Our Liability

We do not exclude liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation. Subject to this, our total liability for any claim is limited to the total amount you have paid for the relevant service. We are not liable for indirect or consequential damages, and we do not guarantee specific relationship outcomes.

12. Consumer Rights

Under the Consumer Rights Act 2015 (UK) and applicable consumer protection law, our services must be provided with reasonable care and skill. Nothing in these Terms affects your statutory consumer rights. If you believe we have not met our obligations, please contact us at hello@keffect.pl. We aim to acknowledge complaints within 5 working days and resolve them within 28 days.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the Polish courts.

14. Changes

We may update these Terms from time to time. The date at the top of this section reflects the current version. Active clients will receive reasonable written notice of material changes. Continued participation after such notice constitutes acceptance.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and effect.

Disclaimer

Last updated: March 2026

Not Therapy

K2 Effect offers relationship design – a structural, intentional approach to how couples build and organise their partnership. It is categorically distinct from and not a substitute for psychotherapy, couples therapy, clinical counselling, psychiatric care, medical diagnosis or treatment, or crisis intervention.

If you or your partner require clinical support, please consult a qualified mental health professional or appropriate emergency service.

No Guarantee of Results

All outcomes depend on your individual effort, engagement, and circumstances. Testimonials and case studies shared on our website or social media are illustrative of individual experiences and are not a guarantee of what you should expect to achieve.

General Information Only

All content published by K2 Effect – on keffect.pl, social media channels, in emails, and in program materials – is for informational and educational purposes only. It does not constitute professional, medical, psychological, legal, or financial advice tailored to your situation. We are not responsible for decisions made based on our general content.

Third-Party Links

Links to third-party websites or services do not constitute an endorsement. We have no control over third-party content or practices and accept no responsibility for them.

Limitation of Liability

To the maximum extent permitted by law, Kathie Kozlak Ltd is not liable for indirect, consequential, or incidental loss arising from use of or reliance on our content – whether published on our website, social media, or delivered within a program. Nothing here excludes our liability for negligence causing death or personal injury, fraud, or any liability that cannot lawfully be excluded under applicable consumer law.