These Terms of Service (“Terms”) govern your access to and use of the services provided by OKO Labs, Inc., doing business as Product Leader Academy (“Company,” “we,” “us,” or “our”), a Florida corporation. By accessing or using our website, programs, or services, you agree to be bound by these Terms.

1. Definitions

“Services” refers to all products, programs, courses, coaching, and resources offered by Product Leader Academy.
“User” or “You” refers to any individual who accesses or uses our Services.
“Content” refers to all materials, including videos, documents, templates, and software provided through our Services.
“Membership” refers to access to our community platform and associated resources.

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

3. Program Access and Accounts

3.1 Account Creation

To access certain Services, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account.

3.3 Lifetime Access

"Lifetime access" refers to access for the duration that Product Leader Academy continues to offer the specific program or service. We reserve the right to modify, update, or discontinue programs with reasonable notice to existing members.

4. Payment and Refunds

4.1 Pricing

All fees are displayed in USD. We reserve the right to change pricing at any time. Changes will not affect purchases already completed.

4.2 Payment Processing

Payments are processed securely through Stripe. By providing payment information, you authorize us to charge your payment method for the specified amount.

4.3 Refund Policy

We offer a 7-day money-back guarantee for most programs. To request a refund, contact us at support@productleaderacademy.com within 7 days of purchase. Refunds are processed within 5-10 business days.

4.4 Scholarships

Scholarship recipients must adhere to all program requirements and community guidelines. Failure to maintain active participation may result in revocation of scholarship benefits.

5. Intellectual Property

5.1 Ownership

All Content provided through our Services is owned by OKO Labs, Inc. or our licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 License to You

We grant you a limited, non-exclusive, non-transferable license to access and use the Content for your personal, non-commercial use. You may not:

Reproduce, distribute, or publicly display Content without written permission
Modify, create derivative works from, or reverse engineer any Content
Share login credentials or allow others to access your account
Resell, sublicense, or commercially exploit any Content

5.3 Your Submissions

By submitting any content to our platform (including portfolio projects, comments, or feedback), you grant us a perpetual, worldwide, royalty-free license to use, display, and share such content for educational and promotional purposes.

6. Community Guidelines

You agree not to:

Harass, abuse, or discriminate against other members
Share false or misleading information
Spam or promote unrelated products/services
Violate any applicable laws or regulations
Attempt to circumvent security measures or access restrictions

We reserve the right to suspend or terminate accounts that violate these guidelines.

7. Disclaimers

7.1 Educational Purpose

Our Services are for educational purposes only. We do not guarantee job placement, salary increases, or specific career outcomes. Results vary based on individual effort and market conditions.

7.2 No Professional Advice

Content provided is not legal, financial, or professional career advice. Consult appropriate professionals for advice specific to your situation.

7.3 Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. Scheduled maintenance and unforeseen technical issues may result in temporary unavailability.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OKO LABS, INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

9. Indemnification

You agree to indemnify and hold harmless OKO Labs, Inc., its officers, directors, employees, and agents from any claims, damages, losses, and expenses arising from your use of our Services or violation of these Terms.

10. Termination

We may terminate or suspend your access to Services at any time for violation of these Terms. Upon termination, all licenses granted to you will immediately cease, but provisions regarding intellectual property, disclaimers, and limitations of liability will survive.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from these Terms shall be resolved through binding arbitration in Miami-Dade County, Florida, in accordance with the rules of the American Arbitration Association.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through our platform. Your continued use of Services after changes constitutes acceptance of the updated Terms.

13. Contact Information

For questions about these Terms, contact us at:

OKO Labs, Inc.
d/b/a Product Leader Academy
Email: support@productleaderacademy.com
Website: https://productleaderacademy.com