Terms of Service

Effective Date: January 1, 2026

These Terms of Service ("Terms") govern your access to and use of the Cocoa & Company website, digital products, and related services (collectively, the "Services").

These Services are provided by Cocoa & Company ("Cocoa & Company," "we," "our," or "us").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Services.

1. Eligibility

You must be at least 18 years of age, or the age of majority in your jurisdiction, to use our Services. By using our Services, you represent that you meet this requirement.

2. Accounts

Certain features of our Services may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

Please notify us promptly if you believe your account has been accessed without authorization.

3. Digital Products

License

Unless otherwise stated on the applicable product page, all digital products are licensed to the original purchaser for personal use.

Any additional permissions, including commercial or extended use, will be clearly identified at the time of purchase and are governed by the license provided with that product.

Delivery

Digital products are delivered electronically after successful payment. It is your responsibility to ensure that you have compatible software and internet access necessary to download and use the files.

4. Pricing & Payment

All prices are listed in U.S. Dollars (USD) unless otherwise stated.

Payment is due at the time of purchase. Transactions are securely processed through Shopify and other authorized payment providers, whose own terms and policies may also apply.

5. Refund Policy

Because our products are delivered digitally, all sales are generally final.

Refunds will only be considered in limited circumstances, such as duplicate purchases or verified technical delivery failures. Please refer to our Return Policy for complete details.

6. Acceptable Use

You agree not to:

Violate any applicable laws or regulations.
Misrepresent your identity or affiliation with Cocoa & Company.
Infringe upon our intellectual property rights or the rights of others.
Interfere with the operation, security, or availability of our Services.

We reserve the right to suspend or terminate access to our Services if these Terms are violated.

7. Intellectual Property

Unless otherwise stated, all content available through the Services—including text, graphics, branding, layouts, digital products, downloads, and other creative materials—is the intellectual property of Michelle Leroy VO, LLC, doing business as Cocoa & Company.

No content may be copied, reproduced, distributed, modified, published, or used without prior written permission except as expressly permitted under the applicable product license.

8. Disclaimers

Our Services and digital products are provided for educational and informational purposes only and are provided "as is."

We make no guarantees regarding individual results, business outcomes, or suitability for any particular purpose. Your use of our Services is at your own discretion and risk.

Please refer to our Disclaimer for additional information.

9. Limitation of Liability

To the fullest extent permitted by law, Michelle Leroy VO, LLC shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of the Services or digital products, including loss of profits, data, revenue, or business opportunities.

10. Indemnification

You agree to indemnify, defend, and hold harmless Michelle Leroy VO, LLC, its officers, employees, contractors, and affiliates from any claims, liabilities, damages, costs, or expenses arising from your use of the Services or your violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Any legal action arising from these Terms shall be brought in the state or federal courts located in Broward County, Florida.

12. Changes to These Terms

We may update these Terms from time to time. Any changes become effective upon publication on this website. Your continued use of the Services constitutes acceptance of the revised Terms.