Terms of Service
Effective Date: August 1, 2026
Last Updated: August 1, 2026
These Terms of Service (“Terms”) govern your access to and use of the What To Do! with Terri Kern website located at www.whattodo.coach, including its subscriptions, Skill Cards, educational programs, TerriBot, community features, live sessions, digital content, emails, assessments, quizzes, and related services (collectively, the “Services”).
The Services are operated by Kern Counseling Resources LLC, doing business as What To Do! with Terri Kern (“What To Do!,” “we,” “us,” or “our”), based in Ohio, United States.
By creating an account, purchasing or using a subscription, accessing the Services, or otherwise using the website, you agree to these Terms. If you do not agree, do not use the Services.
1. Eligibility
You must be at least 18 years old to create an account, obtain a free or paid subscription, use TerriBot, participate in community features, or attend live Services.
By using the Services, you represent that you are legally capable of entering into a binding agreement.
The Services are offered internationally. Your access to or purchase of the Services is also subject to any mandatory laws applicable in the country, state, province, or other jurisdiction where you reside.
2. About What To Do!
What To Do! is a self-guided coaching and educational service designed to teach adults practical skills for navigating everyday situations.
The Services may include:
Skill Cards and step-by-step exercises;
educational programs;
focusing, coping, emotional-awareness, and communication skills;
assessments and quizzes;
progress-tracking tools;
TerriBot;
community groups;
email content and newsletters;
podcasts and other educational content;
live online Q&A sessions;
live group skill-practice sessions;
bonus materials; and
other educational resources made available from time to time.
Features vary by membership level and may change.
3. Educational and Coaching Services Only
What To Do! provides education, coaching, skill-building, and personal-development resources only.
The Services do not provide and are not intended to provide:
psychotherapy;
clinical counseling;
mental-health diagnosis;
medical diagnosis or treatment;
psychiatric services;
crisis intervention;
individualized clinical treatment;
legal advice;
financial advice; or
other licensed professional services.
Although Terri Kern is a licensed clinical counselor in Ohio and her professional experience informs aspects of the educational content, use of What To Do! does not establish a therapist-client, counselor-client, physician-patient, or other licensed professional relationship.
What To Do! is separate from Terri Kern’s clinical counseling practice.
You are responsible for deciding whether and how to apply any Skill Card, exercise, suggestion, educational material, TerriBot response, or other information provided through the Services.
The Services are not a substitute for individualized care from a qualified healthcare, mental-health, medical, legal, financial, or other licensed professional.
4. Emergencies and Crisis Situations
The Services, including TerriBot, must not be used for emergencies, crisis intervention, or situations involving an immediate risk of harm.
If you are in the United States and you or another person may be in immediate danger, call 911 or contact the 988 Suicide & Crisis Lifeline by calling or texting 988.
If you are outside the United States, contact your local emergency services or crisis service.
Do not rely on the Services or TerriBot to identify, monitor, diagnose, or respond to an emergency.
5. Accounts
An account is required to participate in the free or paid subscription services.
The free membership does not require a credit card unless expressly stated otherwise at the time of enrollment.
You agree to provide accurate information and to keep your account information current.
You are responsible for maintaining the confidentiality of your login credentials and for activity occurring through your account.
You may not share your account credentials with another person or permit another person to use paid Services through your account unless we expressly authorize it.
We may suspend access if we reasonably believe an account has been compromised, misused, or used in violation of these Terms.
6. Subscription Plans
We may offer free and paid subscription plans.
Current plans, pricing, benefits, trial periods, and billing intervals are displayed on the website at the time of purchase.
Plans may include monthly, annual, premium, promotional, trial, or other subscription options.
Subscription features may differ by plan.
We reserve the right to create, modify, rename, combine, replace, or discontinue plans and benefits, subject to applicable law and any notice obligations described in these Terms.
7. Free Trials
Certain paid plans may include a free trial.
Unless you cancel before the end of the trial period, your payment method may automatically be charged for the applicable subscription price when the trial ends.
The length and terms of any trial will be disclosed at enrollment.
We may limit eligibility for free trials to prevent abuse.
8. Automatic Renewal
Paid subscriptions automatically renew at the end of each applicable billing period unless canceled before renewal.
By purchasing a recurring subscription, you authorize us and our payment processor to charge your selected payment method for recurring subscription fees, applicable taxes, and any properly disclosed charges until you cancel.
Your renewal frequency and price will be shown at checkout or in your account.
Nothing in this section limits any non-waivable cancellation or renewal rights available under applicable law.
9. Price Changes
We may change subscription prices.
For existing paid subscribers, we intend to provide at least 60 days’ advance notice before a price increase applies to a future renewal, unless a shorter period is required or permitted by applicable law in circumstances beyond our reasonable control.
The new price will apply no earlier than the applicable renewal disclosed in the notice.
If you do not agree to the new price, you may cancel before the new price takes effect.
10. Payments
Payments are processed through Wix Payments and may be subject to Wix’s and its payment partners’ applicable terms and privacy practices.
You agree to provide valid payment information and authorize the processing of charges associated with your subscription.
You remain responsible for applicable taxes, duties, or similar governmental charges except where we are legally required to collect and remit them directly.
11. Cancellation
You may cancel your subscription at any time through the cancellation tools available in your account or through other methods we make available.
Cancellation stops future automatic renewals.
Unless otherwise required by law, cancellation does not immediately terminate access. You may continue using paid subscription benefits through the end of the billing period for which you have already paid.
12. Refunds
Except where required by applicable law or where we voluntarily choose otherwise, subscription payments are final, non-prorated, and nonrefundable.
Canceling a subscription generally prevents future renewal charges but does not result in a refund for amounts already paid.
Nothing in this section limits statutory refund, cooling-off, withdrawal, cancellation, or consumer rights that cannot legally be waived.
Customers in certain countries may have mandatory rights that override portions of this policy.
13. Changes to the Services
The Services are educational products that may evolve over time.
We may modify, replace, update, add, suspend, or discontinue particular:
Skill Cards;
exercises;
programs;
community features;
TerriBot functionality;
live sessions;
content;
progress-tracking resources;
membership benefits; or
other features.
We do not guarantee that any particular feature, instructor interaction, live session, content item, or functionality will remain available indefinitely.
Where a change materially affects a paid subscription, we will provide notice where required by applicable law.
14. TerriBot and Artificial Intelligence
TerriBot is an AI-supported educational coaching tool.
TerriBot is operated using technology provided by Chatbase and may rely on artificial-intelligence systems supplied by Chatbase or its technology partners.
When you use TerriBot, the text you submit is processed through the AI system to generate a response.
TerriBot is not:
a therapist;
a counselor;
a doctor;
a healthcare provider;
a diagnostic service;
an emergency service; or
a substitute for professional care.
AI-generated responses may be incomplete, inaccurate, inappropriate, outdated, or unsuitable for your circumstances.
You are responsible for evaluating information before acting on it.
You must not use TerriBot for emergencies, crisis intervention, diagnosis, clinical assessment, or treatment decisions.
You should not enter highly sensitive information into TerriBot, including:
Social Security or national identification numbers;
financial-account passwords;
payment-card numbers;
medical records;
account passwords;
government credentials;
confidential information about another person; or
information you do not have permission to disclose.
TerriBot conversations may be retained and processed as described in our Privacy Policy.
15. Assessments and Quizzes
We may provide non-clinical assessments, quizzes, questionnaires, or recommendation tools.
These tools are intended for education, engagement, personalization, and marketing purposes.
For example, quiz results may be used to suggest a Skill Card, educational resource, or subscription plan that may be relevant to the user.
These assessments are not clinical screening instruments, diagnoses, professional evaluations, or treatment recommendations.
16. Live Q&A and Group Practice
Some plans may include live online Q&A sessions or group skill-practice sessions.
These sessions remain educational and coaching-oriented.
Participation does not create a clinical, therapeutic, or professional-care relationship.
Group sessions are not psychotherapy or group therapy.
Participants should exercise discretion when sharing personal information.
17. Community Conduct
Community features are intended to provide a respectful environment for adult members.
You agree not to:
harass, threaten, intimidate, stalk, or abuse another person;
post unlawful, defamatory, discriminatory, hateful, sexually exploitative, or abusive content;
impersonate another person;
reveal another member’s confidential or identifying information without permission;
solicit other members for scams or unauthorized commercial purposes;
upload malware or attempt to interfere with the Services;
engage in conduct that creates a safety risk;
disrupt live sessions or community discussions;
violate another person’s intellectual-property or privacy rights; or
use the Services for unlawful purposes.
We may moderate, restrict, remove, or delete content and may suspend or terminate access for violations of these rules.
18. Confidentiality Within Groups
Participants in community groups and live sessions may voluntarily discuss personal experiences.
You agree to respect the privacy of other members and not intentionally disclose another participant’s personal story, identifying information, screenshots, posts, or statements outside the applicable community or group without permission.
However, we cannot guarantee that other participants will maintain confidentiality.
Do not share information you would not be comfortable having disclosed beyond the group.
19. User-Generated Content
You retain ownership of original content you submit through community features.
By posting or submitting content through the Services, you grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, format, transmit, and technically process that content as reasonably necessary to operate, moderate, improve, and provide the Services.
This license lasts for as long as necessary to provide the Services or maintain legitimate operational records, subject to applicable privacy law.
You represent that you have the right to submit any content you post.
We may remove content that violates these Terms or our community standards.
Private member-to-member messaging is not currently offered.
20. Reporting Community Content
Members may report inappropriate content or conduct through available reporting tools or by contacting us at:
We may investigate and take action we consider appropriate, but we do not guarantee that we will resolve every interpersonal dispute.
21. Intellectual Property
Except for user-generated content and third-party materials, the Services and their contents are owned by or licensed to What To Do!, including:
Skill Cards;
exercises;
worksheets;
assessments;
educational programs;
written content;
videos;
audio;
graphics;
course structures;
TerriBot instructional content;
trademarks;
logos;
branding; and
other original materials.
These materials are protected by copyright, trademark, and other intellectual-property laws.
22. Personal-Use License
Subject to these Terms and your subscription status, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for your own personal, noncommercial purposes.
You may download or print materials we make available for download, including Skill Cards, for your own personal use.
Unless we give written permission, you may not:
reproduce or redistribute our materials;
sell or sublicense them;
upload paid content to public websites or shared repositories;
create derivative commercial products;
use our content to build or market a competing product;
systematically extract or scrape content;
use paid content to train, fine-tune, evaluate, populate, or develop an artificial-intelligence model or dataset; or
remove copyright, trademark, or proprietary notices.
23. Feedback
If you voluntarily provide feedback, suggestions, or product ideas, you grant us the right to use that feedback without restriction or compensation, provided we do not publicly identify you as the source without permission.
24. Third-Party Services and Content
The Services may rely on or link to third-party platforms, including Wix, Wix Payments, Zoom, YouTube, Spotify, Substack, Chatbase, OpenAI-related technologies, Google services, and other service providers.
We do not control third-party platforms and are not responsible for their availability, security, content, or independent privacy practices.
Your use of third-party services may be subject to separate terms.
25. Suspension and Termination
We may suspend or terminate access if you:
materially violate these Terms;
misuse the Services;
engage in harassment or threatening conduct;
create safety concerns;
infringe intellectual-property rights;
engage in fraudulent or unlawful conduct;
attempt to interfere with our systems; or
fail to pay required subscription fees.
Where appropriate, termination may occur without prior notice.
You may stop using the Services at any time.
Provisions that by their nature should survive termination—including intellectual-property, disclaimers, limitations of liability, dispute resolution, and payment obligations—will survive.
26. No Guarantees of Outcomes
Personal development depends on many factors outside our control.
We do not guarantee that using the Services will produce a particular emotional, behavioral, interpersonal, educational, professional, or health outcome.
Testimonials, examples, or user experiences do not guarantee that you will receive the same results.
27. Disclaimer of Warranties
To the fullest extent permitted by law, the Services are provided “as is” and “as available.”
We disclaim warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, uninterrupted availability, and any other warranties that may legally be disclaimed.
We do not warrant that:
the Services will always be available;
content will be error-free;
TerriBot responses will be accurate;
every feature will remain unchanged;
the Services will meet every user’s needs; or
use of the Services will produce a particular result.
Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.
28. Limitation of Liability
To the fullest extent permitted by applicable law, What To Do!, Kern Counseling Resources LLC, Terri Kern, and their owners, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to the Services.
To the fullest extent permitted by law, our aggregate liability for claims relating to the Services will not exceed the greater of:
the amount you paid to us during the twelve months immediately preceding the event giving rise to the claim; or
USD $100.
This limitation does not apply to liability that cannot legally be excluded or limited.
Mandatory consumer rights remain unaffected.
29. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless What To Do!, Kern Counseling Resources LLC, Terri Kern, and their affiliates, owners, employees, and contractors from claims arising from your unlawful use of the Services, your violation of these Terms, or content you submit that violates another person’s rights.
This provision does not apply where prohibited by mandatory consumer law.
30. Informal Dispute Resolution
Before initiating arbitration or litigation, you and What To Do! agree to make a good-faith effort to resolve the dispute informally.
You may begin this process by contacting:
Please include your name, contact information, a description of the issue, and the relief you are requesting.
The parties will attempt to resolve the matter informally for at least 30 days before initiating formal proceedings, unless applicable law requires otherwise.
31. Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
To the fullest extent permitted by law, any dispute arising out of or relating to these Terms or the Services that is not resolved informally shall be resolved through individual binding arbitration, rather than in court.
Arbitration will be administered under rules of a recognized arbitration provider mutually selected by the parties or, if no agreement can be reached, a provider selected in accordance with applicable law.
Unless otherwise required by law, arbitration will take place in Ohio or remotely by video or telephone where reasonably appropriate.
The arbitrator may award any individual remedy that a court could award.
Nothing in this section prevents either party from:
bringing an eligible individual claim in small-claims court;
seeking temporary or emergency injunctive relief where legally available; or
exercising a right that applicable law does not permit to be subject to arbitration.
International Consumers
If you reside outside the United States, this arbitration provision applies only to the extent it is valid and enforceable under the mandatory consumer law of your country of residence.
Where applicable law gives you the non-waivable right to bring a dispute before your local courts, consumer authority, ombudsman, or other tribunal, those rights are not eliminated by these Terms.
32. Class-Action Waiver
To the fullest extent permitted by law, disputes must be brought on an individual basis and not as a plaintiff or class member in a class, collective, consolidated, or representative action.
An arbitrator may award relief only to the individual party seeking relief.
This waiver does not apply where prohibited or unenforceable under applicable law.
33. Governing Law
Except where mandatory consumer law requires otherwise, these Terms are governed by the laws of the State of Ohio, United States, without regard to conflict-of-law principles.
Mandatory rights available to consumers in their jurisdiction of residence remain unaffected.
34. Changes to These Terms
We may update these Terms from time to time.
If we make a material change, we may provide notice through the website, your account, email, or another reasonable method.
The updated Terms will state their effective date.
Where legally required, we will obtain consent before applying a material change.
35. Electronic Communications
By using the Services, you agree that we may send you transactional or administrative communications electronically, including:
subscription notices;
billing messages;
account notices;
security alerts;
service updates; and
policy notices.
Marketing communications are subject to applicable consent and unsubscribe requirements.
36. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect to the maximum extent permitted by law.
37. No Waiver
Failure to enforce a provision of these Terms does not waive our right to enforce it later.
38. Assignment and Business Transfers
We may assign or transfer these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, or transfer of the business.
Your rights under applicable consumer law remain unaffected.
39. Entire Agreement
These Terms, together with any incorporated subscription terms, Privacy Policy, community rules, and other policies expressly referenced at purchase, constitute the agreement between you and us concerning the Services.
40. Contact Us
Questions about these Terms may be sent to:
What To Do! with Terri Kern
Operated by Kern Counseling Resources LLC
Ohio, United States
Email: hello@whattodo.coach
Website: www.whattodo.coach