Disclaimers and disclosures

Midlife Health & Wealth provides general fitness and nutrition coaching. It is not medical care, and no part of this site, the member area, the coaching, or any communication from a coach constitutes medical advice, diagnosis or treatment.

Our coaches are fitness and nutrition professionals. They are not physicians, registered dietitians, physical therapists, or licensed healthcare providers, and they do not hold themselves out as such. We do not diagnose, treat, cure, mitigate or prevent any disease or medical condition.

Speak to your physician before you start. This matters particularly if you are over 40, have not exercised regularly in some time, are pregnant or postpartum, or have or suspect any of the following: cardiovascular disease, high or uncontrolled blood pressure, type 1 or type 2 diabetes, prediabetes, COPD or other respiratory conditions, a musculoskeletal injury, an eating disorder, or any condition for which you take prescribed medication.

Never change or stop prescribed medication because of anything you read here or anything a coach says. Changes to medication are decisions for your prescribing physician alone.

Exercise carries inherent risk of injury. By participating you accept that risk. Stop immediately and seek medical attention if you experience chest pain or pressure, breathlessness out of proportion to the effort, dizziness or fainting, an irregular heartbeat, or sudden severe pain. If you think you may be having a medical emergency, call your local emergency number.

Nutrition targets provided by a coach are general guidance for a healthy adult. They are not a therapeutic diet, they are not designed to treat a condition, and they should be reviewed by your physician or a registered dietitian if you are managing one.

All content relating to cryptocurrency, digital assets, markets or investing is provided for general educational and informational purposes only. It is not financial advice, investment advice, tax advice, legal advice, or a recommendation, offer or solicitation to buy, sell or hold any asset.

Midlife Health & Wealth and its coaches are not registered investment advisers, broker-dealers, financial planners, or licensed financial professionals in any jurisdiction. Nothing provided is personalized to your circumstances, because we do not know them and we are not permitted to assess them.

Digital assets are speculative and highly volatile. Prices can fall rapidly and without warning. You can lose the entire amount you put in. Digital assets are generally not covered by deposit insurance or investor protection schemes. Never commit money you cannot afford to lose entirely, and never commit money you will need within the next several years.

Past performance is not indicative of future results. Any reference to a historical result, including anything described by a coach about their own experience, is illustrative and must not be taken as an indication of what you or anyone else will achieve.

We do not take custody of member funds, we do not manage accounts on behalf of members, we do not offer trade mirroring or copy trading, and we will never ask you to transfer funds or digital assets to us for any reason. Any message claiming otherwise, however convincing, is fraudulent. Report it and do not act on it.

Figures produced by any calculator or illustration on this site are generated from values you enter. They are models, not projections, forecasts or promises, and they exclude fees, spreads, slippage and tax, all of which reduce real outcomes.

Consult a licensed financial adviser and a qualified tax professional in your own jurisdiction before making any financial decision.

Testimonials on this site reflect the individual experience of the person giving them. They are not typical, not average, and not a guarantee that you or anyone else will achieve a similar result.

Results in both fitness and financial education depend on factors we do not control, including your starting point, genetics, age, medical history, medication, sleep, stress, consistency, and in the case of markets, conditions that are unpredictable by definition.

Testimonials are published with the member's permission and are edited for spelling and punctuation only, never for meaning. Where an original testimonial contained a specific earnings, profit or weight-loss figure that we cannot substantiate, that figure is removed rather than reworded. Where a person giving a testimonial is also an affiliate partner, or has received a discounted or free membership, that relationship is stated alongside the testimonial in line with the United States Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising.

We make no claim, express or implied, that the program will cause weight loss, improve any health marker, treat any condition, or generate income of any amount.

Midlife Health & Wealth operates an affiliate program. Approved partners receive a recurring commission on memberships referred through their tracking link, and a discount on their own membership. Members who promote the program therefore have a financial interest in you joining.

This is not multi-level marketing. Commission is paid on direct referrals only. There is no downline, no earnings from a referral's own referrals, no recruitment requirement, and nothing to purchase in order to participate beyond an active membership.

No earnings claim is made. Most participants in any affiliate program, including this one, earn little or nothing. Earnings depend entirely on the size and trust of your audience, your effort, and how many referred members remain subscribed. Any calculator provided is a model built from values you enter and is not a projection or a promise of income.

Partners are contractually required to: disclose the commercial relationship clearly and conspicuously before any affiliate link; make no health, medical, weight-loss, income or investment return claims; use only genuine, unaltered images of themselves; and comply with the advertising rules of their own jurisdiction. Partners are personally responsible for their own posts and for their own tax.

Breach of these terms ends the partnership and forfeits unpaid commission. Self-referrals, household referrals, fraudulent signups, brand-name paid search bidding and unsolicited email are prohibited.

Membership is billed monthly in advance at the price shown at the time you join. Billing recurs automatically until you cancel.

You may cancel at any time. Cancellation takes effect at the end of the period you have already paid for, and you keep access until then. There is no minimum term.

Health information you provide on an intake form is sensitive. It should be used only to write and adjust your coaching plan, seen only by our coaches and the staff who need it, and stored securely.

The Fit Check runs entirely in your browser. Nothing you answer is transmitted or stored anywhere unless you choose to submit your email address.