Terms of Service

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE.

The Website and its Content is owned and operated by Filo Institute Limited (“Company”, “we”, or “us”). The term “you” refers to the user or viewer of our Website.

Please read these Terms and Conditions (“T&C”) carefully. We reserve the right to change these Terms and Conditions on the Website at any time without notice, and by using the Website and its Content, you agree to be bound by the current T&C as posted. If you do not agree with these T&C, please do not use our Website or its Content.

If you are a client for 1:1 coaching session, you will have a separate agreement with us that addresses terms related to that engagement. These Terms govern usage of the Site only.

COMMUNICATIONS

By using the Site or contacting us electronically (including by email), you consent to receive communications from us electronically. You agree that any notices, disclosures, or other communications we send electronically satisfy legal communication requirements.

Any comments, suggestions, or other materials you send to us (“Received Materials”) are considered non-confidential and may be used by us for any purpose, including development or marketing, without compensation to you. You grant us a perpetual, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, translate, or distribute such materials in any form.

WEBSITE USE AND CONSENT

All words, design, layout, graphics, photos, images, information, materials, documents, data, databases, and all other information and intellectual property accessible on or through this Website (“Content”) are the property of Filo Institute Limited and are protected by applicable intellectual property laws.

If you purchase a service, program, product, or subscription or enter into any other agreement with us, you will also be subject to the terms of that agreement, which shall prevail in case of conflict.

By accessing or using this Website and its Content, you represent and warrant that you are at least 18 years old and agree to abide by these T&C. Use or access by anyone under the age of 18 is unauthorized.

INTELLECTUAL PROPERTY RIGHTS

This Website and its Content are owned solely by Filo Institute Limited or its licensors, protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, revocable, non-transferable license to use the Website and its Content for personal, non-commercial use only. Any unauthorized use, copying, modification, or distribution of our Content is prohibited.

Use of trademarks or logos displayed on the Website requires our prior written permission.

By submitting any content to us (comments, images, videos, etc.), you grant us the right to use it on our Website without further consent or compensation.

Requests for permission to use our Content must be made in writing via the “Contact Us” form or by emailing infor@filoinstitute.com.

DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA)

If you believe your copyright has been infringed, contact us promptly at infor@filoinstitute.com with a proper notice.

PERSONAL RESPONSIBILITY AND ASSUMPTION OF RISK

You acknowledge that use of our Website and Content is at your own risk. We provide tools and information for educational purposes only, with no guarantees of results.

DISCLAIMER

Medical Disclaimer: Our Website and Content do not constitute medical advice. Consult a licensed health professional for medical concerns.
Legal and Financial Disclaimer: The Website and Content do not constitute legal, financial, or business advice. Consult your own professionals.
Earnings Disclaimer: We do not guarantee any specific financial or personal results.
Warranties Disclaimer: The Website and Content are provided “as is” without warranties of any kind.
Technology Disclaimer: Access may be temporarily unavailable due to maintenance or technical issues.
Errors and Omissions: We strive for accuracy but cannot guarantee it and disclaim liability for errors.
Links to Other Websites: We are not responsible for third-party websites linked to from our Website.

INDEMNIFICATION, LIMITATION OF LIABILITY, AND RELEASE OF CLAIMS

You agree to indemnify and hold harmless Filo Institute Limited and its affiliates from any claims or damages arising from your use of the Website.

We will not be liable for any direct or indirect damages arising from your use of the Website or Content.

YOUR CONDUCT

You agree to use the Website lawfully and not to disrupt or harm the Website or its users.
You will only purchase goods or services for yourself or those you are authorized to represent.
Prohibited uses include fraudulent activity, posting illegal or harmful content, spreading viruses, impersonation, or unauthorized resale of our Content.

ONLINE COMMERCE

Purchases made through the Website are subject to separate terms and handled by merchants and payment processors. We disclaim responsibility for transactions with third parties.

TERMINATION

We reserve the right to suspend or terminate your access to the Website at any time without notice.

CONTACT INFORMATION

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

Filo Institute Limited
Website: www.filoinstitute.com
Email: infor@filoinstitute.com

Last Updated: 2025