Terms & Conditions

These Terms & Conditions are between you and Koloa Insurance ("we", "us", "our"), the operator of Koloa Sales Academy. By purchasing, accessing, or using any of our services — including live digital sales training, the Mentor Membership, and the Quick Start Guide e-book — you agree to these terms. If you do not agree, do not use the services.

You confirm that you are at least 18 years old and, where applicable, that you have authority to accept these terms on behalf of the organization you represent.

Koloa Sales Academy provides digital products and services — online sales training delivered as live boot camp sessions (scheduled video sessions) and on-demand classes (recorded video you watch on your schedule), a recurring mentorship membership, and downloadable digital materials (e-books, scripts, and playbooks). All training is delivered electronically over the internet and is a digital product.

Our training is digital sales education for licensed insurance agents. It covers practical sales techniques — product knowledge, lead generation, scripts, and how to run a sales appointment. It is not certification, continuing education (CE), licensing education, or professional, legal, tax, or compliance advice, and it is not subject to professional or regulatory oversight. You must already hold an active insurance license to use this training.

We are a digital training provider only; we are not an insurance carrier, and we do not sell insurance to consumers.

Payments are processed securely by our payment processor, Stripe, which handles card processing, subscription billing, invoicing, and payment receipts. Card details are handled by Stripe and never stored on our servers.

Payment, billing, and cancellation mechanics follow the terms presented to you at checkout, and Stripe's applicable terms: https://stripe.com/legal/consumer.

• Live Training — Full Pay: a one-time payment of $497.
• Live Training — Split Pay: 3 monthly payments of $175. Billing automatically ends after the third payment.
• Mentor Membership: $29 per month, billed as a recurring subscription. You can cancel anytime; there is no cancellation fee. Cancellation stops future renewals.
• Quick Start Guide e-book: a one-time payment of $24.99 with instant download.

The amount shown at checkout is the final amount — no tax or additional fees are added.

You agree not to misuse the services. Misuse includes, without limitation:

• Any unlawful use of the services or materials;
• Fraud, spam, or deceptive conduct;
• Infringing intellectual property rights of us or third parties;
• Interfering with the security or operation of the site, including introducing malware, probing vulnerabilities, or scraping the site;
• Reverse engineering, reselling, redistributing, or sharing your access, login credentials, downloads, scripts, or course materials with others.

You are responsible for maintaining the confidentiality of your purchase confirmations and any access links you receive, and for all activity conducted using them.

We retain all ownership of the services and their intellectual property, including course content, scripts, playbooks, software, documentation, and branding. Your purchase grants you a limited, non-exclusive, non-transferable license to use the materials for your own professional development within your purchased plan. No other rights are granted.

Our training is digital sales education. It is not certification, continuing education, or professional, legal, tax, financial, or compliance advice, and it is not subject to professional or regulatory oversight. It does not guarantee sales results or income. The advice we provide is limited to sales techniques — how to find leads, run appointments, and present insurance products. We do not advise on which product a consumer should buy, and we do not provide any service that requires a professional or regulatory licence, certification, or oversight.

You are responsible for maintaining your own insurance license, errors-and-omissions coverage, and for complying with carrier requirements and all applicable laws when selling insurance products. Koloa Sales Academy does not provide licensing, legal, financial, or compliance advice.

We do not guarantee that the services will be uninterrupted or error-free. Live sessions are scheduled on varied days, including nights and weekends; if a session is rescheduled, we will provide an alternative date or an equivalent remedy. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

Refunds are governed by our Refund Policy and our refund handling. Mentorship subscriptions can be cancelled anytime via the Manage Subscription page linked from your purchase confirmation email.

To the fullest extent permitted by law, we are not liable for indirect, consequential, or special damages, including loss of profits, data, or goodwill. Our aggregate liability for any claim arising from the services is capped at the total fees you paid us in the 12 months preceding the claim. Nothing in these terms excludes liability for fraud, death, or personal injury where such exclusion is not permitted by law.

We may suspend or terminate your access to the services for material breach of these terms, non-payment, suspected fraud or security risk, or repeated or serious policy violations. Upon termination, your right to access the materials ends; digital content you have already downloaded may be retained for personal use but may not be redistributed.

These terms are governed by the laws of the State of Louisiana, USA, and disputes will be resolved in the courts of that state, unless otherwise required by applicable law. You may not assign these terms without our consent; we may assign them in connection with a merger or acquisition. We are not liable for failures caused by events beyond our reasonable control. If any provision is found unenforceable, the remainder stays in effect.

Questions about these terms? Contact us at 318.475.5842.