Disclaimer
Last updated: April 15, 2026
General Disclaimer
This Disclaimer applies to the use of Heltrix and its content. We provide educational resources and information for general informational purposes only. The materials on our platform, including articles, guides, workshops, and coaching insights related to life coaching for people over 45, pre-retirement planning, and midlife reinvention, are designed to support personal growth and educational understanding. However, we do not guarantee the accuracy, completeness, or appropriateness of all content for every individual circumstance. Your use of our platform indicates your acceptance of these terms and conditions. We reserve the right to modify this disclaimer at any time without prior notice.
No Professional Advice
We are not licensed healthcare providers, financial advisors, legal professionals, or therapists. The educational content and coaching resources available through our platform should not be considered as professional medical, psychological, financial, or legal advice. While we provide guidance on topics such as second chapter reinvention, Baltic lifestyle integration, and personal development, these materials are educational in nature and should not replace consultation with qualified professionals. Individuals should seek appropriate professional guidance before making significant life decisions, particularly regarding retirement planning, mental health concerns, or financial matters. We encourage you to consult with licensed practitioners in relevant fields before implementing any strategies discussed on our platform.
Liability Limits
To the maximum extent permitted by applicable law, we disclaim all liability for any indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or reliance on our content. This includes but is not limited to damages related to loss of profits, data, or business opportunities. We are not responsible for third-party content, external links, or services accessed through our platform. While we make reasonable efforts to maintain accurate and up-to-date information, we do not warrant that our platform is error-free or uninterrupted. Your use of our educational resources is at your own risk. We strongly recommend that you independently verify any information and seek professional counsel before making decisions that could significantly impact your life, career, or financial situation.
Changes to This Disclaimer
We may update this Disclaimer from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the "Last updated" date at the top of this page. We encourage you to review this Disclaimer periodically to stay informed of how we protect your rights and outline the limitations of our services. Your continued use of our platform following any changes constitutes your acceptance of the updated Disclaimer. If you do not agree with any modifications, please discontinue your use of our services.
Questions About This Disclaimer
If you have questions or concerns about this Disclaimer or our practices, we welcome your feedback. Please reach out through our website contact form, and we will do our best to address your inquiries promptly. We are committed to maintaining transparency about our services and ensuring you have a clear understanding of your rights and responsibilities when using our platform.