hese 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 purposes

- Attempt to breach or hack the website

- Share, 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