Terms of Service * Zoya Ratner Consulting LLC*

Zoya Ratner Consulting LLC
Website: www.zoyaratner.com

Effective Date: July 18, 2026

Website Header Requirement

The header of all publicly accessible legal pages should display:

Zoya Ratner Consulting LLC Logo
Zoya Ratner Consulting LLC

This branding should appear consistently on:

  • Home Page
  • Privacy Policy
  • Terms of Service
  • Contact Page
  • SMS Terms & Conditions Page

Publicly Accessible Legal URLs

Publish these pages and include links in the website footer:

  • Privacy Policy: https://www.zoyaratner.com/privacy-policy
  • Terms of Service: https://www.zoyaratner.com/terms-of-service

Terms of Service

By accessing or using www.zoyaratner.com (“Website”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use this Website.

  1. Website Purpose

This Website provides information regarding consulting, advisory, project management, healthcare transformation, business strategy, operational improvement, educational resources, and related professional services offered by Zoya Ratner Consulting LLC.

  1. No Client Relationship

Use of this Website, including completing contact forms, subscribing to communications, downloading materials, or scheduling consultations, does not create a client relationship.

A client relationship exists only after execution of a written agreement between you and Zoya Ratner Consulting LLC.

  1. Acceptable Use

You agree not to:

  • Violate applicable laws
  • Attempt unauthorized access to Website systems
  • Introduce malicious software
  • Interfere with Website operations
  • Scrape Website content without permission
  • Misrepresent your identity
  • Infringe intellectual property rights
  1. Intellectual Property

All content on this Website, including text, graphics, logos, branding, methodologies, downloads, documents, and designs, is owned by or licensed to Zoya Ratner Consulting LLC and is protected by applicable intellectual property laws.

No Website content may be copied, reproduced, distributed, modified, displayed, or used for commercial purposes without prior written permission.

  1. Disclaimer

Information provided on this Website is for informational and educational purposes only.

Nothing on this Website should be interpreted as legal, financial, tax, accounting, investment, medical, or other professional advice.

Visitors should consult qualified professionals regarding their specific circumstances.

  1. Limitation of Liability

To the fullest extent permitted by law, Zoya Ratner Consulting LLC shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from the use of this Website.

  1. Third-Party Links

This Website may contain links to third-party websites. Zoya Ratner Consulting LLC is not responsible for the content, policies, availability, or practices of third-party websites.

  1. Governing Law

These Terms shall be governed by and construed under the laws of the State of Alaska without regard to conflict of law principles.

  1. Modifications

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised Effective Date.

Continued use of the Website constitutes acceptance of any revisions.

SMS Terms & Conditions

Program Name

Zoya Ratner Consulting LLC Client Communications Program

Program Description

By opting in to receive text messages from Zoya Ratner Consulting LLC, you agree to receive SMS communications related to:

  • Appointment scheduling and reminders
  • Consultation confirmations
  • Service updates
  • Responses to inquiries
  • Client support communications
  • Business-related notifications

SMS Opt-Out

You can cancel the SMS service at any time. Simply text “STOP” to the number from which you receive messages. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message Frequency and Charges

As always, message and data rates may apply for messages sent to you from us and to us from you.

Message frequency varies.

For questions about your text plan or data plan, please contact your wireless provider.

Privacy Policy Reference

For privacy-related information, please review our Privacy Policy:

https://www.zoyaratner.com/privacy-policy