This Privacy Policy applies to www.drbenkoen.com, www.benkoen.com, and all related sites operated by Dr. Ben Koen. Your privacy matters to us. This policy explains what information we collect, how we use it, and your rights.

1. Information We Collect

We may collect the following types of information:

Personal data: Name, email address, billing information, phone numberUsage data: IP address, device information, browser type, browsing behaviorVoluntary data: Submitted via forms, surveys, testimonials, etc.

2. How We Use Your Information

We use your information to:

Provide coaching, education, and digital servicesProcess payments and send invoicesImprove user experience, communications, and site performanceSend occasional promotional and educational content (you may unsubscribe anytime)

3. Sharing & Disclosure

We do not sell your personal data. We may share limited information with trusted service providers (such as Stripe, email platforms, CRM tools, or analytics providers) solely for operational purposes.

4. Data Retention

We retain your data as long as necessary to fulfill our services, comply with legal obligations, and improve user experience.

5. Your Rights

Depending on your country of residence, you may have the right to:

Access or request a copy of your dataRequest correction or deletionObject to or restrict certain processingWithdraw consent for marketing communications

To exercise these rights, contact us at Email: [email protected] or Website: www.drbenkoen.com

6. Cookies

Our websites may use cookies and tracking technologies to analyze traffic and enhance your experience. You can adjust your browser settings to disable cookies if preferred.

7. Security

We take reasonable and industry-standard steps to safeguard your personal information from unauthorized access, disclosure, or misuse.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be posted on our site with the effective date updated.

9. Contact

For any privacy-related questions or concerns, please contact:

Email: [email protected]

Website: www.drbenkoen.com

TERMS OF SERVICE

Effective Date: June 1, 2025These Terms of Service apply to www.drbenkoen.com, www.benkoen.com, and all affiliated or associated websites operated by Dr. Ben Koen. By accessing or purchasing from our site, you agree to these terms.

1. Services

We provide personal development coaching, consulting, educational programs, meditations, and digital products. These services are designed to support individual transformation and are for educational and informational purposes only.

2. Payments & Refunds

All payments are processed securely via Stripe or other authorized providers. Prices are listed in USD unless otherwise stated.

Unless specifically stated on a product page or offer, all sales are final and non-refundable.

3. Intellectual Property

All website content, courses, videos, audio meditations, branding, and written material are the intellectual property of Dr. Ben Koen. You may not copy, distribute, modify, or use this content without express written permission.

4. User Conduct

You agree not to:

Use our services for illegal purposesAttempt to breach or hack the websiteShare, resell, or redistribute our content without authorization.

5. Disclaimer of Outcomes

Our programs are designed to facilitate growth and transformation, but individual outcomes will vary.

We do not guarantee specific results. Your success depends on your personal effort, decisions, and external circumstances.

By using our services, you acknowledge full responsibility for your own results and choices.

6. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages resulting from the use (or inability to use) our services.

7. Governing Law

These Terms are governed by the laws of the United States, and where applicable, international privacy and consumer protection regulations (such as GDPR).

8. Changes to These Terms

We may update these Terms at any time. Continued use of the site and services after updates means you accept the new terms.

9. Contact

For questions about these Terms, contact:

Email: [email protected]

Website: www.drbenkoen.com