Terms and Conditions
Effective Date: July 27, 2026
Last Updated: July 27, 2026
1. Agreement to These Terms
These Terms and Conditions ('Terms') govern your access to and use of patkoyi.com and any products, services, digital downloads, memberships, content, or resources offered by Sosa and Pepe Limited Liability Company, doing business as Pat Koyi ('Company', 'we', 'our', or 'us'). By accessing our website or purchasing any product, you agree to be bound by these Terms. If you do not agree, you should not use our website or purchase our products.
2. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use this website or purchase our products.
3. Digital Products
All products sold through our website are digital products. No physical goods are shipped. Access is provided electronically after successful payment in accordance with our Shipping & Delivery Policy.
4. Purchases and Payment
All prices are listed in the applicable currency displayed at checkout. Payments are securely processed through Stripe and GoHighLevel Payments. By completing a purchase, you represent that you are authorized to use the selected payment method.
5. Refunds
All purchases are subject to our Returns & Refunds Policy. Due to the digital nature of our products, all sales are final unless otherwise expressly stated.
6. Intellectual Property
All content available through this website, including text, graphics, branding, videos, downloads, templates, documents, and educational materials, is owned by or licensed to the Company and is protected by intellectual property laws. Purchasing a product grants you a limited, non-exclusive, non-transferable license for your personal or internal business use. You may not copy, reproduce, resell, redistribute, publish, modify, or create derivative works without prior written permission.
7. Acceptable Use
You agree not to misuse the website, interfere with its operation, attempt unauthorized access, upload malicious software, infringe intellectual property rights, or use our content for unlawful purposes.
8. No Professional Advice
Our products are provided for educational and informational purposes only. Nothing on this website or within our products constitutes legal, tax, accounting, investment, or financial advice. You are responsible for obtaining advice from qualified professionals before making decisions based on our educational materials.
9. Disclaimer of Warranties
Our website and digital products are provided 'as is' and 'as available' without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement, to the fullest extent permitted by law.
10. Limitation of Liability
To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of the website or products. Our total liability for any claim shall not exceed the amount you paid for the product giving rise to the claim.
11. Indemnification
You agree to indemnify and hold harmless the Company, its owners, employees, contractors, and affiliates from claims, liabilities, damages, costs, and expenses arising from your misuse of the website, violation of these Terms, or infringement of another person's rights.
12. Third-Party Services
Our website may integrate with or link to third-party services. We are not responsible for the availability, content, or practices of third-party websites or platforms.
13. Privacy
Your use of our website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
14. Governing Law
These Terms are governed by the laws of the State of Utah, United States, without regard to conflict of law principles.
15. Changes to These Terms
We may modify these Terms at any time. Updated versions become effective when published on this website. Continued use of the website after changes constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, Returns & Refunds Policy, and Shipping & Delivery Policy, constitute the entire agreement between you and the Company regarding your use of the website and purchases.
18. Contact Information
Sosa and Pepe Limited Liability Company
Doing Business As: Pat Koyi
2901 W Bluegrass Blvd Suite 200
Lehi, Utah 84043
United States
Website: patkoyi.com
Email: [email protected]