Terms and Conditions for catfusa.com

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Last Updated: November 14, 2025

Welcome to catfusa.com ("Website"), operated by Melissa Rafferty ("we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of the Website, including any content, functionality, or services offered on or through catfusa.com. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

By using the Website, you confirm that you are at least 13 years old (or 16 in some jurisdictions) and have the legal capacity to enter into these Terms. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Website after changes constitutes acceptance of the updated Terms. Significant changes will be notified via email or a notice on the Website.

You may use the Website for lawful purposes only and in accordance with these Terms. You agree to:

• Use the Website in compliance with all applicable laws and regulations.
• Not use the Website to engage in any activity that is harmful, fraudulent, or offensive.

You agree not to:

• Attempt to gain unauthorized access to the Website, its servers, or connected systems.
• Use the Website to transmit malware, viruses, or other harmful code.
• Reproduce, duplicate, copy, sell, or exploit any portion of the Website without express written permission.
• Interfere with or disrupt the Website’s functionality or performance.
• Engage in any activity that violates the rights of others, including intellectual property rights.

All content on the Website, including text, images, graphics, logos, and software ("Content"), is the property of Melissa Rafferty or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or modify any Content without prior written consent, except for personal, non-commercial use as permitted by law.

If the Website allows you to submit content (e.g., comments, reviews, or uploads), you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such content for the purpose of operating and promoting the Website. You represent that your content:

• Does not violate any laws or third-party rights.
• Is not defamatory, obscene, or harmful.

We reserve the right to remove or edit user content at our discretion.

The Website may contain links to third-party websites or services (e.g., Microsoft Advertising, social media platforms). We are not responsible for the content, policies, or practices of these third parties. Accessing third-party links is at your own risk.

If the Website offers products or services for purchase:

• You agree to provide accurate billing information.
• All payments are processed by third-party providers (e.g., Stripe, PayPal). See their terms for details.
• Prices, availability, and terms of sale are subject to change without notice.
• Refunds are handled per our [Refund Policy, if applicable, link or describe].

The Website and its Content are provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee:

• The Website will be uninterrupted, error-free, or secure.
• The accuracy or completeness of any Content.

To the fullest extent permitted by law, Melissa Rafferty, its affiliates, and their respective officers, directors, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website, even if advised of the possibility of such damages. Our total liability to you for any claim arising from these Terms or your use of the Website shall not exceed $100.

You agree to indemnify, defend, and hold harmless Melissa Rafferty and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys’ fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

We may suspend or terminate your access to the Website at our discretion, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Website ceases immediately.

These Terms are governed by the laws of the State of Montana, USA, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Website shall be resolved in the state or federal courts located in Missoula, Montana, and you consent to their jurisdiction.

The Website is operated from the United States. If you access the Website from outside the United States, you are responsible for compliance with local laws.

For questions about these Terms, contact:

• Email: melissa@catfusa.com
• Address: 114 State St 6th floor Boston, MA 02109 
• Phone: +1 (617) 624-0234

• Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and us regarding the Website.
• Severability: If any provision of these Terms is found invalid, the remaining provisions remain in effect.
• Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.