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Last updated: August 15, 2026

These Terms of Use (“Terms”) govern your access to and use of the Toivo Digital website, including its content, features, and functionality (collectively, the “Website”).

The Website is operated by JosMor Holdings, LLC, doing business as Toivo Digital (“Toivo Digital,” “we,” “us,” or “our”). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. Permitted Use

You may use the Website only for lawful purposes and in accordance with these Terms. You may not:

  • Interfere with the operation or security of the Website;
  • Attempt to gain unauthorized access to the Website or its systems;
  • Introduce viruses, malicious code, or other harmful material;
  • Collect Website information through unauthorized automated means;
  • Impersonate another person or misrepresent your identity; or
  • Use the Website or its content in a manner that violates applicable law or another person’s rights.

We may restrict or terminate access to the Website if we reasonably believe these Terms have been violated.

2. Intellectual Property

Unless otherwise stated, the Website and its contents—including text, graphics, logos, branding, photographs, videos, designs, software, and other materials—are owned by or licensed to JosMor Holdings, LLC and are protected by applicable intellectual-property laws.

You may view and temporarily download Website content for personal or internal business use. You may not copy, modify, publish, distribute, sell, license, publicly display, or commercially exploit Website content without our prior written permission.

The Toivo Digital name, logo, and associated branding may not be used without our prior written consent.

3. Inquiries and Submitted Information

If you submit an inquiry, project request, message, or other information through the Website, you represent that the information is accurate, lawful, and yours to provide.

You authorize us to use that information as reasonably necessary to respond to your inquiry, evaluate a potential engagement, or provide requested services. Please do not submit confidential or sensitive information unless we have agreed in writing to receive it.

Submitting an inquiry does not create a client, advisory, fiduciary, or other professional relationship between you and Toivo Digital.

4. Services and Separate Agreements

Information presented on the Website is provided for general informational and promotional purposes. It does not constitute a binding offer, guarantee, or professional advice.

Services provided by Toivo Digital will be governed by a separate proposal, statement of work, service agreement, or other written contract. If a separate written agreement conflicts with these Terms, that agreement will control regarding the applicable services.

5. Third-Party Services and Links

The Website may contain links to or integrations with third-party websites, platforms, or services. These links and integrations are provided for convenience only.

We do not control or endorse third-party services and are not responsible for their content, availability, security, terms, or privacy practices. Your use of a third-party service is governed by that provider’s terms and policies.

6. Website Availability and Disclaimer

We make reasonable efforts to provide useful and accurate information, but we do not guarantee that the Website will always be available, secure, complete, current, or error-free.

The Website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

7. Limitation of Liability

To the fullest extent permitted by law, JosMor Holdings, LLC and its owners, officers, employees, contractors, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your access to, use of, inability to use, or reliance on the Website.

Nothing in these Terms excludes or limits any liability that cannot legally be excluded or limited.

8. Privacy

Our collection and use of personal information are governed by our Privacy Policy.

9. Changes to the Website or These Terms

We may modify, suspend, or discontinue any part of the Website at any time.

We may also update these Terms periodically. Updated Terms will be posted on this page with a revised “Last updated” date. Your continued use of the Website after updated Terms take effect constitutes acceptance of those changes to the extent permitted by law.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Any legal proceeding arising from or relating to the Website or these Terms must be brought in the state courts located in Polk County, Florida, or the federal courts having jurisdiction over Polk County, Florida. Each party consents to the jurisdiction of those courts.

11. General Provisions

If any provision of these Terms is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in effect.

Our failure to enforce any provision does not waive our right to enforce it later. These Terms constitute the entire agreement between you and Toivo Digital regarding use of the Website, except where a separate written agreement applies.

12. Contact Us

Questions about these Terms may be sent to:

JosMor Holdings, LLC d/b/a Toivo Digital
[email protected]