Terms of Service

Last Updated: November 1, 2025

Introduction

Welcome to Ladder5 Mentorship & Resources (“Ladder5,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of summerkassmel.com (the “Website”) and all related programs, courses, events, and materials (collectively, the “Services”).

By accessing or using our Website or Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Website or Services.

1. Eligibility

You must be at least 18 years old and capable of entering a binding contract. By using our Services, you represent that you meet these requirements.

2. Changes to These Terms

We may update these Terms at any time. When we do, we will revise the “Last Updated” date above. Your continued use of the Website after updates constitutes your acceptance of the revised Terms.

3. Accounts and Security

If you create an account, you must provide accurate information and keep your login credentials confidential. You are responsible for all activity under your account.

4. Ownership and Intellectual Property

All content, materials, graphics, videos, and logos on this Website are owned or licensed by Ladder5 Mentorship & Resources and protected by United States copyright and trademark laws. You may view or download materials only for your personal, non‑commercial use unless expressly authorized in writing.

5. Purchases, Subscriptions, and Billing

5.1 Automatic Renewal

Certain programs, memberships, or subscriptions renew automatically each billing cycle, monthly or annually, until you cancel. By purchasing or subscribing, you authorize Ladder5 Mentorship & Resources to charge your chosen payment method automatically on a recurring basis for each renewal term. We will send an email confirmation describing your recurring payment terms, cancellation instructions, and customer service contact information in accordance with Colorado law (C.R.S. § 6‑1‑732).

5.2 Cancellation

You may cancel your subscription at any time by following the cancellation instructions in your account or by emailing

6. Coaching and Educational Disclaimer

Our Services are for educational and informational purposes only. Ladder5 Mentorship & Resources and Dr. Summer Kassmel do not provide medical, dental, legal, accounting, or financial advice. You are solely responsible for applying the concepts and strategies you learn and for any results that follow.

7. User Conduct

You agree not to use the Website for any unlawful or unauthorized purpose, share or redistribute course materials, post or transmit any harmful or defamatory content, or interfere with the Website’s functionality or security. Violation of these Terms may result in suspension or termination of your account.

8. Disclaimer of Warranties

The Website and Services are provided “as is” and “as available.” Ladder5 Mentorship & Resources makes no warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, or non‑infringement. We do not guarantee uninterrupted or error‑free operation, nor that the Website will be free of viruses or harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Ladder5 Mentorship & Resources and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages, including lost profits, revenue, or data. Our total aggregate liability for any claim shall not exceed the amount you paid to us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Ladder5 Mentorship & Resources, its officers, employees, and affiliates from any claims, damages, losses, or expenses, including reasonable attorneys’ fees, arising from your use of the Services, violation of these Terms, or infringement of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Website or Services at any time, with or without notice, if you violate these Terms. Sections 4 through 13 survive termination.

12. Privacy and Data Rights

Your personal data is handled in accordance with our Privacy Policy. Under the Colorado Privacy Act, you may have rights to access, delete, or correct your personal information and to opt out of data sales or targeted advertising. Please review our Privacy Policy for details on exercising these rights.

13. Governing Law and Venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict‑of‑law principles. Any disputes will be brought exclusively in the state or federal courts located in Eagle County, Colorado, and you consent to the jurisdiction of those courts.

14. Entire Agreement and Severability

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ladder5 Mentorship & Resources. If any provision is found invalid or unenforceable, the remaining provisions will remain in full force and effect.

15. Contact Us