Terms and Conditions

Skye Co Agency Terms & Conditions

Effective Date: December 15, 2025

These Terms and Conditions ("Terms") govern all purchases and use of services provided by Skye Community Agency LLC ("Skye Co Agency," "we," "us," or "our"). By purchasing, booking, or accessing any service, program, or consultation, you ("Client," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT PURCHASE OR ACCESS OUR SERVICES.

1. SERVICES PROVIDED

Skye Co Agency provides online business coaching, marketing consulting services, and group programs delivered digitally via video conferencing, online platforms, and digital materials. Services may include but are not limited to:

One-on-one coaching sessions
Group programs
Business consulting services
Digital educational materials and resources

2. PAYMENT & BOOKING

All services must be paid in full in advance to reserve your time or access your program.
Payment confirms your booking, and at that time or program access is held exclusively for you.
All fees are non-refundable unless explicitly stated otherwise in these Terms.
Payment plans, if offered, must be completed according to the agreed schedule. Failure to make timely payments may result in suspension of access to services without refund of amounts already paid.

3. NO REFUND POLICY

All Sales Are Final

ALL PURCHASES ARE STRICTLY NON-REFUNDABLE.

By completing your purchase, you agree to pay the full fee for the entire service or program, regardless of whether you complete it, attend all sessions, or utilize all materials.

No Refunds Will Be Issued For:

Change of mind after purchase
Failure to complete the program or attend sessions
Dissatisfaction with content or results
Inability to access due to personal circumstances, technical difficulties, or lack of compatible devices
Deciding not to participate after purchase
The service not meeting your expectations or desired results
Any other reason whatsoever

Sole Exception

Refunds will only be issued if Skye Co Agency determines, at its sole discretion and before any services are rendered or program access is granted, that the service is not a good fit for the client. In that case, you will receive a full refund.

Once you have attended any session, accessed any program materials, or begun participating in any service, the sale is considered final and complete, with no exceptions.

4. RESCHEDULING POLICY

Individual Sessions:

You may reschedule your session one (1) time with a minimum of 24 hours' notice.
Sessions canceled or rescheduled with less than 24 hours' notice will be counted as used and forfeited.
One courtesy reschedule under 24 hours may be granted at our sole discretion for emergencies.

5. NO-SHOWS & LATE ARRIVALS

If you do not attend your scheduled session or arrive more than 15 minutes late, the session will be considered a no-show.
No-show sessions are forfeited without refund or credit. No-show sessions may be rescheduled for a $150 fee, payable in advance, at the sole discretion of Skye Co Agency.

6. CHARGEBACKS ARE PROHIBITED

Requesting a chargeback or payment dispute after purchasing or accessing our services is a direct violation of these Terms.

By purchasing our services, you explicitly agree to this strict no-refund policy and acknowledge that:

You agreed to these Terms & Conditions at checkout
You received access to the booked service, reserved time, and/or digital materials
Chargebacks constitute fraudulent activity

Legal Consequences of Chargebacks

According to relevant laws and regulations, chargeback fraud—where a consumer benefits from a service or product and later disputes the payment—is considered a form of theft or fraud and is a serious offense punishable by law.

If you initiate a chargeback after receiving access to our services, we reserve the right to:

Dispute the chargeback and submit evidence (including access logs, session records, email confirmations, and signed agreements) to payment processors and legal authorities
Report the fraudulent activity to your bank or payment processor
Take legal action to recover the full service fee, along with legal costs, damages, collection fees, and attorney fees
Pursue claims under contract law and consumer fraud laws
Ban you permanently from all future access to our products and services

7. INTELLECTUAL PROPERTY RIGHTS

All materials provided through Skye Co Agency services—including but not limited to written content, workbooks, templates, guides, videos, audio recordings, slides, graphics, proprietary frameworks, session and program materials—are protected by copyright, trademark, and other intellectual property laws.

Permitted Use

You are granted a personal, non-transferable, non-commercial license to:

View, download, and use materials solely for your personal business development
Print materials for your own reference

Prohibited Use

You may NOT:

Reproduce, duplicate, copy, share, distribute, or resell any materials
Share login credentials or program access with others
Upload materials to file-sharing sites or public platforms
Modify, create derivative works, or exploit materials commercially
Use materials to teach, coach, or consult others
Republish, transmit, rent, lease, loan, or translate any content

Unauthorized use constitutes copyright infringement and theft. We will prosecute violations to the fullest extent permitted by law, including pursuit of damages, injunctions, and attorney fees.

Only registered clients have access to program materials. Violation of these intellectual property terms will result in immediate termination of access without refund and may result in legal action.

8. PROGRAMS

Program Structure

Multi-month programs typically run for a set duration (e.g., 8 weeks, 12 weeks, 6 months) with scheduled content releases, live calls, and milestones.

Commitment & Access

By enrolling, you commit to the full program duration and fee.
Access to materials is granted progressively according to the program schedule.
You are responsible for attending live sessions, completing assignments, and engaging with materials during the program period.

Program Changes

We reserve the right to:

Modify program content, schedule, or delivery format with reasonable notice.
Cancel or postpone live sessions due to emergencies (makeup sessions will be provided)

No refunds will be issued due to program modifications, missed sessions on your part, or your inability to complete the program.

9. CLIENT RESPONSIBILITY & DISCLAIMER OF RESULTS

Your Responsibility

Results are dependent on your participation, honesty, effort, and implementation of strategies provided.
You are solely responsible for your business decisions and actions taken based on coaching or consulting advice.

No Guaranteed Outcomes

Skye Co Agency does not guarantee specific business, financial, revenue, growth, or personal outcomes.

Testimonials and case studies represent individual results and are not typical. Your results may vary significantly based on your unique circumstances, effort, market conditions, and other factors outside our control.

Nature of Services

All services are provided for educational, coaching, and strategic purposes only. Our services DO NOT constitute and are not a replacement for:

Legal advice or services
Financial planning or investment advice
Medical or mental health treatment
Accounting or tax services
Licensed therapy or counseling

You should consult appropriate licensed professionals for specialized advice.

10. CONFIDENTIALITY

Our Commitment

All client information shared during sessions is kept strictly confidential and will not be disclosed to third parties without your written consent, except as required by law.

Your Commitment

You agree to keep confidential any proprietary methodologies, frameworks, business strategies, or other confidential information shared during coaching or within program materials.

This Agreement constitutes a mutual non-disclosure agreement between both parties.

Login Security

You are responsible for maintaining the confidentiality of your username, password, and account access. You may not share login credentials with anyone.

If we have reasonable grounds to suspect that you have shared your credentials or forwarded program materials to others, we have the right to immediately suspend or terminate your account and access without refund.

Breach of Confidentiality

Any breach of confidentiality may result in immediate termination of access to services, forfeiture of all fees paid, and legal action including claims for damages.

11. RECORDING & CONTENT USE

Client Recording: You may not record any live sessions, calls, or video meetings without prior written consent from Skye Co Agency.
Company Recording: We reserve the right to record group program sessions for quality assurance, training purposes, and your reference. Recordings remain our property.
Testimonials: By participating, you permit us to use anonymized feedback and results for marketing purposes unless you explicitly opt out in writing.

12. TECHNICAL REQUIREMENTS & ACCESS

Your Responsibility

It is your responsibility to ensure that you have:

Reliable internet access
Compatible devices and updated browsers
Necessary software or applications (e.g., Zoom, program platforms)
Technical capability to access digital content

Not Our Liability

Skye Co Agency is not liable for:

Your inability to access services due to personal technical difficulties
Internet outages or connectivity issues on your end
Incompatibility with your devices or software
Loss of program access due to failure to maintain login credentials

Platform Changes

We reserve the right to change hosting platforms or delivery methods with reasonable notice. We will make reasonable efforts to ensure continuity of access.

13. DIGITAL NATURE OF PRODUCTS

Due to the instant access nature of digital services and products, all sales are final and refunds will not be provided under any circumstances. By accessing content or attending any session, you acknowledge that the sale is completed and final.

14. TERMINATION & RIGHT TO REFUSE SERVICE

Our Rights

Skye Co Agency reserves the right to suspend or terminate your access to services at any time, with or without notice, if:

You violate these Terms & Conditions
You engage in disrespectful, abusive, or harassing behavior toward our team or community members
You share proprietary content or login credentials
You initiate chargebacks or fraudulent payment disputes
We determine that the relationship is not a good fit

Effect of Termination

Upon termination:

You will immediately lose access to all services, programs, and materials
No refund will be provided for unused portions
Any payment plan balances become immediately due and payable
You must cease all use of our intellectual property

Discretionary Refund

In cases where we terminate the relationship due to client misconduct, a refund may be issued at our sole discretion, but is not guaranteed.

15. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Skye Co Agency, its owners, officers, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorney fees) arising out of or related to:

Your use or misuse of our services
Your breach of these Terms & Conditions
Your violation of any laws or third-party rights
Any content you provide or actions you take based on our services

16. LIMITATION OF LIABILITY

To the Maximum Extent Permitted by Law:

Skye Co Agency and its owners, employees, contractors, and affiliates SHALL NOT be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with the use of our services, including but not limited to:

Loss of profits, revenue, or business opportunities
Business interruption or loss of data
Personal, business, or financial outcomes resulting from implementation of strategies
Any damages arising from your use or inability to use our services
Errors or omissions in content or advice provided

Cap on Liability

In no event shall the total liability of Skye Co Agency exceed the total amount you actually paid for the specific service giving rise to the claim.

You assume full responsibility for all actions and decisions made based on coaching advice, program materials, or services provided.

17. DISCLAIMER OF WARRANTIES

Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

Warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy or reliability of information
Uninterrupted or error-free service

We do not warrant or make any representations regarding the use or results of our services in terms of their correctness, accuracy, reliability, or otherwise.

18. FORCE MAJEURE

Skye Co Agency shall not be liable for any failure or delay in performing obligations due to circumstances beyond our reasonable control, including but not limited to:

Natural disasters
Pandemics or public health emergencies
Government actions or restrictions
Internet or technology failures
Power outages
Acts of war or terrorism

In such events, we reserve the right to modify, postpone, or cancel services. We will make reasonable efforts to reschedule or provide alternative access, but no refunds will be issued.

19. SEVERABILITY

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

20. ENTIRE AGREEMENT

These Terms & Conditions constitute the entire agreement between you and Skye Co Agency regarding your use of our services and supersede all prior agreements, understandings, or representations, whether written or oral.

21. AMENDMENTS

Skye Co Agency reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of services after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

22. GOVERNING LAW & JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions.

Any disputes arising under or related to these Terms shall be resolved exclusively in the state or federal courts located in Florida, United States. By purchasing our services, you consent to the exclusive jurisdiction and venue of these courts regardless of your location.

23. ACCEPTANCE OF TERMS

BY CHECKING THE BOX AT CHECKOUT, BOOKING A SERVICE, OR ACCESSING ANY PROGRAM MATERIALS, YOU ACKNOWLEDGE AND CONFIRM THAT:

✓ You have read and fully understand these Terms & Conditions
✓ You agree to be legally bound by all terms herein
✓ You understand that all sales are final and non-refundable under any circumstances
✓ You agree that initiating a chargeback constitutes a violation of these Terms and may result in legal action
✓ You are at least 18 years of age and have the legal capacity to enter into this agreement
✓ You accept full responsibility for your use of our services and the results thereof

24. CONTACT INFORMATION

If you have questions about these Terms & Conditions, please contact us at:

Skye Community Agency LLC
Email: hello@skyecoagency.com
Website: skyecoagency.com

Last Updated: December 15, 2025

1:1 Sessions