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Terms and Policies

Welcome to our Privacy Policy:

Your privacy is critically important to Karen!

Karen Ann Intuitive policy is to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to (hereinafter, "us", "we", or ""). I respect your privacy and am committed to protecting personally identifiable information you may provide us through the Website. I have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on this Website, how I use this information, and under what circumstances I may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to my collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of my Website. Depending on your activities when visiting my Website, you may be required to agree to additional terms and conditions.

Website Visitors
Like most website operators, Karen Ann Intuitive collects non-personally identifying information that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Karen Ann's purpose in collecting non-personally identifying information is to understand better how Karen Ann Intuitive visitors use its website. From time to time, Karen Ann Intuitive may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.


Karen Ann Intuitive also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged-in users and for users leaving comments on blog posts. Karen Ann Intuitive only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

Gathering of Personally-Identifying Information
Certain visitors to Karen Ann Intuitive websites choose to interact with Karen Ann Intuitive in ways that require Karen Ann Intuitive to gather personally identifying information. The amount and type of information that Heart Light Living gathers depend on the nature of the interaction. For example, we ask visitors who sign up for a blog at to provide a username and email address.

The security of your Personal Information is important to me, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While I strive to use commercially acceptable means to protect your Personal Information, I cannot guarantee its absolute security.

Ads appearing on my website may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Karen Ann Intuitive and does not cover the use of cookies by advertisers.

Links To External Sites
My Service may contain links to external sites that we do not operate. You will be directed to that third party's site if you click on a third-party link. I strongly advise you to review the Privacy Policy and the terms and conditions of every site you visit.
I have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites, products, or services.

Protection of Certain Personally-Identifying Information
Karen Ann Intuitive discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors, and affiliated organizations that (i) need to know that information to process it on Karen Ann Intuitive's behalf or to provide services available at Karen Ann Intuitive's website, and (ii) that have agreed not to disclose it to others. Some employees, contractors, and affiliated organizations may be located outside your home country; by using Karen Ann Intuitive website, you consent to transfer such information to them. Karen Ann Intuitive will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors, and affiliated organizations, as described above, Karen Ann Intuitive discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order, or other governmental requests or when Karen Ann Intuitive believes in good faith that disclosure is reasonably necessary to protect the property or rights of Karen Ann Intuitive , third parties or the public at large.

If you are a registered user of and have supplied your email address, Karen Ann Intuitive may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Karen Ann Intuitive and her services. I primarily use dynamic pages on Karen Ann Intuitive to communicate this type of information, so I expect to keep this type of email to a minimum.Karen Ann Intuitive takes all measures reasonably necessary to protect against the unauthorized access, use, alteration, or destruction of potentially personally-identifying and personally-identifying information.

Aggregated Statistics
Karen Ann Intuitive may collect statistics about the behavior of visitors to its website. Karen Ann Intuitive may display this information publicly or provide it to others. However,Karen Ann Intuitive does not disclose your personally-identifying information.

To enrich and perfect your online experience, Karen Ann Intuitive uses "Cookies," similar technologies and services others provide, to display personalized content and appropriate advertising and store your preferences on your computer.
A cookie is a string of information that a website stores on a visitor's computer and that the visitor's browser provides to the website each time the visitor returns.Karen Ann Intuitive uses cookies to help Karen Ann Intuitive identify and track visitors, their usage of and their website access preferences. Karen Ann Intuitive visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Karen Ann Intuitive websites, with the drawback that certain features of Karen Ann Intuitive websites may not function properly without the aid of cookies.
By continuing to navigate my website without changing your cookie settings, you hereby acknowledge and agree to Karen Ann Intuitive use of cookies.

Those who engage in transactions with Karen Ann Intuitive– by purchasing Karen Ann Intuitive services or products are asked to provide additional information, including, as necessary, the personal and financial information required to process those transactions. In each case, Karen Ann Intuitive collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Karen Ann Intuitive. Karen Ann Intuitive does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Privacy Policy Changes
Although most changes are likely to be minor,Karen Ann Intuitive may change its Privacy Policy from time to time and at Karen Ann Intuitive's sole discretion. Karen Ann Intuitive encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of the such change.

Mentoring Packages, All Life Path sessions, and Retreats (Short Version)

Your purchase of mentoring packages or sessions indicates your commitment to participate in the process and follow through to its conclusion. However, I also understand that unexpected events can happen. In addition to the general guidelines outlined below, refunds and cancellations will be considered individually, at the discretion of Karen Ann Schwarz. I ask the Client to be committed and faithful, and I commit to offering grace when needed. 

In general, these guidelines apply for coaching refunds and cancellations: 

  • The Client may cancel an order within 24 hours of purchasing and request a refund. The refund will be issued, minus the deposit required for said session package. To cancel, send your request to

  • Once Karen Ann Intuitive has scheduled sessions with the Client, they are considered set appointments. However, if necessary, the Client may request to reschedule a session if they give at least 24 hours advance notice. 

  • Any missed or canceled sessions with less than 24 hours advance notice will be forfeited. 

  • If unexpected circumstances prevent the Client from completing all of their scheduled sessions, then the Client may request a refund for the amount pertaining to the remaining sessions. The refund will be issued if approved, minus the deposit and 5% transaction fee.

Retreat Cancellation Policies

  1. Deposits

    • All deposits are non-refundable.

  2. Payment Balance

    • The remaining balance (total price minus deposit) is due 60 days before the retreat start date.

    • 50% Balance (not incl. deposit) will be refunded for cancellation 30-59 days before the event.

    • No Refund if less than 30 days before the event.

Cancellation Information

When purchasing a retreat through our site, the cancellation policy above will apply to your purchase.

Before purchasing a retreat, it is your responsibility to read and understand clearly the cancellation policy thoroughly.

I know that sometimes things come up, and unexpected events can keep you from going on a trip you’ve planned. If you’re totally sure you aren’t able to make it to the retreat, the best thing you can do is cancel.


My Intention 

I intend to make things as simple as possible for anyone who wants to go on a retreat while balancing the administrative and business realities of running the retreat.

To Cancel Your Retreat:

Email :

Include your contact number to discuss the reason for cancellation.

Cancellation Disputes

I have the final say in all disputes over cancellations and of course will try to solve the issue. I intend to approach all issues with understanding, flexibility and compassion. From that place, a solution can always be found.

Refund and Cancellation Policy for Karen Ann Intuitive– Long Version

The following terminology applies to this agreement: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Business,” “the Company,” “Karen Ann Intuitive” “Ourselves,” “I,” “My,” "We," and “Us,” refers to our business, Karen Ann Intuitive. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United States. Any use of the above terminology or other words in the singular, plural, capitalization and/or, he/she, or they, are taken as interchangeable and therefore as referring to same.

This policy shall apply to all services available on the website:

The Client may cancel an order within 24 hours of purchasing and request a refund. The refund will be issued, minus a 5% transaction fee. To cancel an order, send your request to karen@karenannintuitive.comThe Client must clearly state their decision to cancel, the reason for said cancellation, and their preferred method of reimbursement.

Reimbursement for refunds will be provided by the best available method, based on the Client’s situation and at the discretion of Karen Ann Schwarz, owner of Karen Ann Intuitive. A 5% transaction fee of the refund amount will apply and be subtracted from all refunds and all deposits are non-refundable.  

If the Client cancels after beginning sessions and/or receiving services with Karen Ann Schwarz, Karen Ann Intuitive they may only request a refund for the amount pertaining to remaining sessions or hours not yet logged. The Client will not have the right to cancel or request a refund after the services have been fully performed (after all sessions or services have been completed). I reserve the right to modify or terminate services and the Client-Company relationship at any time for reasons such as, but not limited to, dangerous or criminal behavior on the part of the Client, inappropriate or offensive behavior from the Client, or irresponsible or disrespectful behavior from the Client. Karen Ann Intuitive will notify the Client with the reason for termination or modification and notice that it is effective immediately on the day that we contact the Client about modification or termination. In such situations, at the discretion of Karen Ann Schwarz a refund may or may not be issued for any remaining sessions or services that were paid for but not completed.


For Health & Wellbeing Mentoring and ALL other Sessions:

I am not a medical professional. As an intuitive mentor, I am not providing healthcare or medical services or attempting to diagnose, treat, prevent, or cure any physical, mental, or emotional issue. These modalities are meant to be helpful as a supplement to any medical therapy and services, not a replacement. 

The information provided on Karen Ann intuitive is for informational purposes only and is not intended to substitute professional medical advice, diagnoses, or treatment. Always seek advice from your physician or an other qualified healthcare provider before undertaking a new health regimen.

Do not disregard medical advice or delay seeking medical advice because of information you read on Karen Ann Intuitive website Do not stop medications without speaking to your medical or mental health provider. I am not a licensed psychologist or specialist healthcare professional. My services do not replace the care of psychologists or other healthcare professionals. My services take you to a manageable practice to help enhance the care you receive from a medical professional. Karen Ann Schwarz owner of Karen Ann Intuitive is not a replacement for your medical plan with a licensed professional.

Please note that I can’t take any responsibility for the results of your actions and any harm or damage you suffer due to the use or non-use of the information available on this website. Please use judgment and conduct due diligence before taking any action or implementing any plan or practice suggested or recommended  by me or on this website.

Please note that I don’t make any guarantees about the results of the information applied from our sessions or this website. I share options and educational information that are intended to help you succeed in Self awareness journey. You nevertheless need to know that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond my knowledge and control.

Karen Ann Intuitive
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