These Website Terms and Conditions (“terms”) cover the terms on which you may use the sites (www.thelifeplatform.com, www.thelifeplatform.co.uk, www.karenthomson.com, www.findlovenow.net) and conduct your business.

The sites are run and maintained by KMTHOMSON CONSULTING LTD (“we”). Our email address is [email protected]

The Life Platform is the place to go to learn life's important skills.

Please read these terms carefully before you start to use the sites. By using the sites, you accept and agree to be bound and abide by these terms, our Privacy Notice. If you do not accept them, please do not use the sites.


You have permission for temporary, non-exclusive use of the sites. We reserve the right to withdraw or change the content of the sites and these terms at any time without notifying you and without having any legal responsibility towards you.

You are not allowed to copy, modify, duplicate, create derivative works from, frame, mirror, republish, display, transmit, or distribute all or any part of the sites.

You are also not allowed to license, sell, rent, lease, transfer, assign, distribute, display, disclose, or otherwise commercially exploit, or otherwise make the sites and/or any documents or online resources on the sites to any third party.

You are responsible for configuring your own computer and software to access the material and content on our sites including downloadable files. We do not warrant that the way we deliver data to you is compatible with your software or with the way your mobile device, computer or tablet is configured. Although we do our best to protect our sites, we are not responsible for any viruses, bugs or similar issues. We advise that you use your own virus protection software to protect yourself.

You must treat all identification codes, passwords and other security information that you obtain from use of the sites and (where applicable) for you to access parts of the sites, as confidential. If we think you have failed to keep confidentiality, we may disable any such information, including your passwords and other codes.

If you do not use the sites according to the law and these terms, we may take such action as we deem appropriate to deal with the breach, including suspending your access to our sites, prohibiting you from accessing our sites, blocking access from your IP address, contacting your internet service provider to request that they block your access to our sites and/or bringing court proceedings against you.

We frequently update the sites and make changes to it, but we have no duty to do this. This means that content on the sites may be outdated or incorrect. We will have no liability to you for any losses or damage you may suffer from your reliance on any of our materials.

Access to online courses is granted during the availability of the course on the platform. Any updates to the online course can be purchased separately.

Our sites use cookies. More information is provided in our Cookie Policy.


Our services are not intended for the use of minors under the age of 18.


The sites provide certain features which enable you and other users to submit, post, and share content, which may include without limitation text, graphic and pictorial works, or any other content submitted by you and other users through the sites (User Submissions).

You must register in accordance with instructions on the sites to access any message board, chat room, user review forum or other interactive service appearing on any of the sites.

We do not guarantee any anonymity or confidentiality with respect to any User Submissions, and strongly recommend that you think carefully about what you upload to the sites. You understand and agree that User Submissions may be made public without any additional notice to or consent by you and you should assume that any person (whether or not a user of our platform), including any Business, may read your User Submissions. We are not responsible for the use or disclosure of any information that you disclose in connection with User Submissions, including any personal information.

User Submissions are displayed for information purposes only and reflect the opinions of the person making the submission. They are not controlled by, and shall not reflect the opinion of, us. You understand that all User Submissions are the sole responsibility of the person from whom such User Submission originated. This means that you are entirely responsible for all User Submissions that you upload, post, e-mail, transmit, or otherwise make available through the sites. You affirm, represent, and warrant that you own, or have the necessary licenses, rights, consents, and permissions to use the User Submissions you make.

We make no representations that we will publish or make available on the sites any User Submissions, and we reserve the right, at our sole discretion, to refuse to allow any User Submissions on the sites, or to edit or remove any User Submission at any time with or without notice.

You understand that when using the sites, you may be exposed to User Submissions from a variety of sources and that we do not endorse and are not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such User Submissions.

You further understand and acknowledge that you may be exposed to User Submissions that are inaccurate, offensive, indecent, or objectionable. You acknowledge and agree that we shall bear no liability or responsibility whatsoever in any such user submissions.

For all User Submissions, you grant us a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology without compensation to you.

Please do not submit any unsolicited creative submissions or suggestions for topics at our events, seminars, trainings, or within our newsletters or products directly to us. All direct submissions will become our property and we will be entitled to the unrestricted use of the submission for any purpose, without compensation or notification to you.

We are the owner or licensee of all intellectual property rights in the sites, including any databases that hold relevant information about the sites, the sites and its services. They are protected by copyright or trademark registration and you may only use any our services in line with these terms.


We strive to foster a trustworthy and healthy environment for its users. We will not tolerate any behaviour that puts any of those aspects at risk and so by using our sites, you agree not to: 

  • Harass, threaten, disrupt or defraud users, members or Businesses or otherwise create or contribute to an unsafe, harassing, threatening or disruptive environment;
  • Make unsolicited offers, advertisements, proposals, or send junk mail or “spam” to users;
  • Impersonate another person or access another user’s account without that person’s permission;
  • Share your passwords with any third party or encourage any other user to do so;
  • Misrepresent the source, identity, or content of information transmitted via the sites, including deleting the copyright or other proprietary rights;
  • Send users pornographic, threatening, embarrassing, hateful, racially or ethnically insulting, libellous, or otherwise inappropriate content. 

Members may occasionally use mature language to discuss topics relating to personal and professional growth. Please do not use our sites if you are not uncomfortable with mature language.


We reserve the right to modify or restrict access to our sites at our discretion.

If we provide you with or you generate a user ID and password to enable you to access restricted areas of our sites or other content or services, you must ensure that the password is kept confidential.

You must notify us in writing immediately if you become aware of any unauthorised use of your account or password.

You are responsible for any activity on our sites arising out of any failure to keep your password confidential and may be held liable for any losses arising out of such a failure.


Please refer to our Refund Policy on the order form or contact us at [email protected] to obtain a copy.

Your access to the refunded product and any associated private social media groups will be revoked following a refund.


Personal information or business information that you supply to us through the sites, other than information that is in the public domain, will be treated confidentially and in line with our Privacy Notice. Confidential information will not be disclosed to any third party, including for the purposes of marketing, without your prior permission. We will only disclose your information if it is necessary for the performance of our services or where so required by law.


We may change these terms from time to time. Please ensure that you check for any changes regularly, as you are bound by them if you use of the sites.


We are the owner or licensee of all intellectual property rights in the sites including any databases that hold relevant information about the sites. They are protected by copyright or trademark registration and you may only use any such material and the documents in line with these terms and this paragraph specifically. If you do not use the materials in line with these terms and this paragraph specifically, you lose your right to use our sites, and must destroy or return any copies of documents you have made of it or any part of it. We reserve all our rights conferred to us by law to remedy any such breach.


We do not guarantee the accuracy of material on our sites or the materials uploaded by our users, it is for your general information and you are responsible for the way you use its content.

We shall not limit or exclude our liability for:

  • death or personal injury;
  • fraud or fraudulent misrepresentation; or
  • any act, omission or matter, liability for which may not be excluded or limited under any Applicable Law.

We shall not be liable to you for any indirect, special or consequential loss or damage, including:

  • loss of profit;
  • loss of goodwill;
  • loss of savings; or
  • loss of contract.

We also exclude, but only as far as legally possible, all terms and warranties or promises implied by law or by statute. We do not warrant that the content is accurate, reliable, or correct; that the content will be available at any particular time or location; that any defects or errors will be corrected; or that the content is free of viruses or other harmful components. Your use of these sites and content obtained is solely at your own risk.

Although we try to make the sites available at all times, we do not warrant that your use of the sites will be uninterrupted. We are not responsible for any loss or damage you may suffer resulting from any interruptions, errors or the transfer of data and you acknowledge that the sites may be subject to limitations, delays and other issues.

Any duty of care owed to you by us is owed to you alone and no duty of care is owed to any third party and we do not assume any responsibility to any third party in respect of the performance of our duties to you.

The information contained in or made available through the sites (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters.

You should consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the sites.

We do not guarantee that you will get any results or earn any money using any of our ideas, tools, strategies or recommendations, and we do not purport any "get rich schemes" on any of our sites. Nothing on our sites is a promise or guarantee of earnings.

You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the sites, you agree not to hold us liable for any such decisions, actions or results, at any time, under any circumstances.

You hereby defend, indemnify, and hold us and our affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of the sites.


You are allowed to make a link to our sites’ homepage from your website if the content on your sites meets the standards of these terms and provided you do not suggest any endorsement by us or association with us unless we provide agreement in writing. We reserve the right to end this permission at any time. You may contact us at [email protected] to find out more

Links from our sites to other sites are only for information. We do not accept any responsibility for other sites, the accuracy of their content or any loss you may suffer from using and relying on them.


You must not use our sites in any way that causes, or may cause, damage to the sites or impairment of the availability or accessibility of the sites; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use our sites to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including, without limitation, scraping, data mining, data extraction and data harvesting) on or in relation to our sites without our express written consent.

If you do anything which is a criminal offence under the Computer Misuse Act 1990 (such as for example introducing viruses, worms, Trojans and other technologically harmful or damaging material) your right to use the sites will end immediately, we will report you to the relevant authorities and provide them with details of your identity.

You must not try to obtain access to our server or any connected database or make any 'attack' on the sites.


We may transfer, sub-contract, assign, or otherwise deal with our rights and/or obligations under these terms without notifying you or obtaining your consent.


Any dispute or difference arising out of or in connection with this contract, including any question regarding its existence, validity or termination, shall be determined by the appointment of a single arbitrator to be agreed between the parties, or failing agreement within fourteen days after either party has given to the other a written request to concur in the appointment of an arbitrator, by an arbitrator to be appointed by the Scottish Arbitration Centre on the written application of either party.  The seat of arbitration shall be Scotland.  The language to be used in the arbitral proceedings shall be English.

Arbitration is on an individual basis. And no party may join or consolidate claims by or against other customers or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.


These terms shall be governed by and construed in accordance with the laws of Scotland. Any matters arising in connection to this agreement shall be subject to the exclusive jurisdiction of the courts of Scotland.


If any part of these terms is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.


If you have any questions or a complaint about the service provided by us, please send us an email at [email protected] to make your complaint.


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