Effective Date: January 1st, 2025
Last Updated: September 11th, 2025
1. Acceptance of Terms
By accessing or using this website (the “Site”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, please do not use the Site.
2. About Us
This Site is operated by Koi Business Innovation (“Company,” “we,” “our,” “us”), a consulting and innovation services firm.
3. Use of the Site
You agree to use the Site only for lawful purposes.
You may not attempt to gain unauthorized access to any part of the Site, or use the Site in any way that could damage, disable, or impair our systems.
We reserve the right to suspend or terminate access for users who violate these Terms.
4. Intellectual Property
All content on this Site—including text, graphics, logos, images, videos, software, and materials—is owned by or licensed to us.
You may view, download, and print content for personal, non-commercial use only.
You may not reproduce, distribute, modify, or use content for commercial purposes without our written consent.
5. No Professional Advice
Content on this Site is provided for general informational purposes only.
Nothing on this Site constitutes business, legal, financial, or other professional advice.
For personalized consulting, please contact us directly.
6. Third-Party Links
The Site may contain links to third-party websites.
We are not responsible for the content, policies, or practices of any third-party sites.
7. Purchases, Payments & Subscriptions
If you purchase services, courses, or digital products through the Site:
Prices are listed in USD (unless otherwise stated).
Payments are processed securely via third-party providers.
Subscriptions (if applicable) renew automatically unless canceled before the renewal date.
Refunds are subject to our Refund Policy.
8. Limitation of Liability
We make no guarantees that the Site will be error-free or uninterrupted.
To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site.
9. Indemnification
You agree to indemnify and hold harmless Koi Business Innovation, its affiliates, officers, and employees from any claims, liabilities, or expenses arising out of your use of the Site or violation of these Terms.
10. Privacy & Data Protection
Your use of the Site is also governed by our Privacy Policy.
11. Governing Law & Jurisdiction
These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law provisions.
Any disputes shall be resolved in the courts of Miami-Dade County, Florida.
12. Changes to Terms
We may update these Terms from time to time. The “Last Updated” date will reflect the most recent changes. Continued use of the Site means acceptance of updated Terms.
13. Contact Us
If you have questions about these Terms, contact us at:
📧 legal@koi.business
📍 Koi Business Innovation, 10151 University Blvd, S154, FL