Terms of service
Effective Date: 11/24/2025
Welcome to Healthcare Survival Kit, a service of KWF Ventures, LLC. By using our services, you agree to these Terms of Service. Please read them carefully before proceeding.
1. Introduction
These Terms of Service ("Terms") govern your use of the website located at healthcaresurvivalkit.com and any related content, resources, services, or communications (collectively, the "Services") provided by KWF Ventures LLC doing business as Healthcare Survival Kit ("Healthcare Survival Kit," "we," "us," or "our").
By accessing or using our Services, including downloading any content or submitting any form on this site, you agree to be bound by these Terms and our Privacy and Data Policy. If you do not agree, do not use the Services.
2. Eligibility
You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are at least 18 and have the legal capacity to enter into these Terms.
3. No medical or legal advice
The information provided through the Services is for educational and informational purposes only. It is not medical advice, legal advice, financial advice, or a substitute for professional judgment.
You should always consult with a licensed physician, attorney, or other appropriate professional regarding your specific situation before making decisions related to healthcare, insurance, or legal matters.
4. Use of the Services
You agree that you will:
Use the Services only for lawful purposes
Not attempt to interfere with or disrupt the operation or security of the Services
Not use the Services to harass, threaten, or harm any person
Not attempt to gain unauthorized access to any portion of the Services or related systems
We reserve the right to suspend or terminate your access to the Services at our discretion if we believe you have violated these Terms.
5. Accounts and security
Some features of the Services may require you to create an account or provide contact information. You agree to provide accurate and complete information and to keep that information up to date.
You are responsible for maintaining the confidentiality of any login credentials associated with your account and for all activities that occur under your account.
6. Fees and payments
Certain services offered by Healthcare Survival Kit, such as one to one advocacy or consulting, may be subject to separate agreements, scope of work documents, or payment terms. Any fees and related terms will be provided to you separately and, when agreed to, become part of your overall agreement with us.
Lead generation resources, free downloads, and general educational content may be offered at no monetary cost, but still subject to these Terms and our Privacy and Data Policy, including our right to send you related email communications as described below.
7. Intellectual property
All content on the Services, including text, graphics, logos, icons, images, videos, and software, is owned by Healthcare Survival Kit or its licensors and is protected by applicable intellectual property laws.
You may view, download, and print content for your personal, non commercial use only, provided that you do not remove any copyright or other proprietary notices. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content without our prior written permission.
8. User content
If you submit, upload, or otherwise provide any content or information to us, including through forms, emails, reviews, or feedback ("User Content"), you grant us a non exclusive, royalty free, worldwide license to use, store, reproduce, and display that content solely for the purposes of providing and improving the Services and as otherwise described in our Privacy and Data Policy.
You are responsible for ensuring that your User Content does not violate any law, infringe any third party rights, or contain harmful, abusive, or misleading material.
9. Electronic communications and marketing consent
When you:
Download any content, lead magnet, or resource from our site
Request a free consultation or other service
Sign up for a webinar, workshop, or event
Submit any form that includes your email address
you are asking us to contact you about your request and related topics. By submitting your information, you agree that we may send you emails and other electronic communications that may include:
Delivery of requested resources or confirmations
Educational content, tools, and checklists related to healthcare navigation, advocacy, or caregiving
Information about our services, events, and offers that may be considered marketing or promotional
You can opt out of marketing emails at any time by using the unsubscribe link in the message or by contacting us directly as described in the Privacy and Data Policy. Even if you opt out of marketing, we may still send transactional or administrative emails related to services you have specifically requested.
10. Third party services and links
The Services may include links to or integrations with third party websites, tools, or services that we do not control. We are not responsible for the content, policies, or practices of any third party websites or services.
Your use of third party services is at your own risk and subject to their terms and privacy policies.
11. Disclaimers
The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, and non infringement.
We do not warrant that the Services will be uninterrupted, secure, or error free, or that any information obtained through the Services will be accurate, complete, or current.
12. Limitation of liability
To the fullest extent permitted by law, Healthcare Survival Kit, KWF Ventures LLC, and their owners, employees, contractors, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of or inability to use the Services.
Our total cumulative liability for any claim arising out of or relating to the Services or these Terms will not exceed the greater of:
The total amount you paid to us for the specific service giving rise to the claim, if any, or
One hundred dollars (100 USD).
Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.
13. Indemnification
You agree to indemnify, defend, and hold harmless Healthcare Survival Kit, KWF Ventures LLC, and their owners, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys fees, arising out of or in any way connected with:
Your use of the Services
Your violation of these Terms
Your violation of any rights of another person or entity
14. Governing law and disputes
These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles.
Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively in the state or federal courts located in North Carolina, and you consent to the personal jurisdiction of those courts.
15. Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Services after any changes become effective constitutes your acceptance of the updated Terms.
16. Contact us
If you have any questions about these Terms, you can contact us at:
Healthcare Survival Kit
196 Fox Run Court, Benson, NC 27504
admin@healthcaresurvivalkit.com