Disclaimer

Last Updated: October 2, 2026

This website and its content are owned and operated by Suzanne Proksa and SuzPro Innovations, LLC, a Michigan limited liability company. Throughout this Disclaimer, "I," "me," and "my" refer to Suzanne Proksa and SuzPro Innovations, LLC, and "you" and "your" refer to you as a visitor, reader, subscriber, member, customer, or client.

By viewing, accessing, or using this website or anything made available on or through it, including but not limited to programs, courses, products, services, coaching, consulting, opt-in gifts, e-books, downloads, videos, webinars, podcasts, blog posts, newsletters (including the Happy Healthy and Rich newsletter), community groups, consultations, e-mails, social media, and any other communication (collectively, the "Website"), you agree to accept all parts of this Disclaimer. If you do not agree with this Disclaimer, STOP now, and do not access or use the Website.

This Disclaimer is part of, and should be read together with, my Terms & Conditions and Privacy Policy.

For Educational and Informational Purposes Only

All information provided on or through the Website is for general educational and informational purposes only and is offered solely as a self-help tool for your own use. It is general in nature and is not tailored to your individual circumstances.

Not Medical, Mental Health, Nutritional, or Religious Advice

I am not, nor am I holding myself out to be, a physician, nurse, physician assistant, advanced practice nurse, pharmacist, or any other medical professional ("Medical Provider"); a psychiatrist, psychologist, therapist, counselor, or social worker ("Mental Health Provider"); a registered dietitian or licensed nutritionist; or a member of the clergy.

As a Health and Wellness Coach, I do not provide health care, medical care, or medical nutrition therapy, and I do not diagnose, treat, prevent, or cure any physical, mental, or emotional issue, disease, or condition. Information I share about health, wellness, nutrition, fitness, exercise, sleep, stress, supplements, or any other aspect of your well-being is not a substitute for professional medical advice, diagnosis, or treatment from your own Medical Provider or Mental Health Provider.

From time to time, I may share information about my own health practices, routines, experiences, or results, or discuss general health topics in a way that could be read as advice. Any such content, however it is phrased, is general education and personal opinion only. It is not medical advice, and it is not a recommendation that you take any particular action regarding your health. Reading, watching, or listening to my content does not create a doctor-patient, therapist-client, or any other health care provider relationship between us.

Always consult your own Medical Provider and/or Mental Health Provider before beginning any new diet, exercise program, supplement, or health practice, and before implementing any suggestion from the Website, particularly if you are pregnant, nursing, under 18, taking any medication, or have any medical or mental health condition. Do not disregard professional medical advice or delay seeking it because of something you read, watched, or heard on the Website. Do not start, stop, or change any medication without speaking to your own Medical Provider.

If you have or suspect you have a medical or mental health problem, contact your Medical Provider or Mental Health Provider promptly. If you are experiencing a medical or mental health emergency, call 911 or go to the nearest emergency room. If you are in crisis or having thoughts of suicide, call or text 988 to reach the 988 Suicide & Crisis Lifeline.

Supplements and Health and Wellness Products

I may share, recommend, review, or link to dietary supplements, nutritional products, wellness devices, fitness equipment, skin care, and other health and wellness products that I personally use or enjoy ("Products"). Please understand the following:

• No FDA evaluation. Statements made on or through the Website regarding supplements or other Products have not been evaluated by the Food and Drug Administration. These Products are not intended to diagnose, treat, cure, or prevent any disease.
• Personal experience only. My recommendations reflect my own opinions and personal experience. They are not a statement that any Product is safe, appropriate, or effective for you.
• Individual results and reactions vary. Supplements and other Products can cause side effects, allergic reactions, or interactions with medications, other supplements, or medical conditions. Consult your Medical Provider before using any Product, and stop use and seek medical attention if you experience an adverse reaction.
• Follow the label. Always read and follow the manufacturer's labeling, directions, dosage guidelines, and warnings. Any amounts, protocols, or routines I describe are what I personally do and are not dosing recommendations for you.
• I do not make the Products. Unless expressly stated otherwise, I do not manufacture, formulate, test, package, or distribute the Products I discuss. I am not responsible for their ingredients, quality, purity, safety, labeling, claims, availability, pricing, shipping, returns, or customer service. Any purchase you make is between you and the seller, and the seller's own terms and policies apply.
• Information may change. Manufacturers may change formulations, ingredients, or labeling without notice. Verify current product information with the manufacturer before purchasing or using any Product.

I may receive compensation in connection with some Products, as described in the Affiliates and Material Connections section below.

Business Coaching and HR and Employee Benefits Consulting

I provide business coaching and consulting services, including coaching organizations on human resources strategy and on designing, evaluating, and optimizing their employee benefit and HR offerings ("Business Services"). Content I share about business, leadership, workforce strategy, human resources, compensation, and employee benefits, whether on the Website or in the course of Business Services, is subject to the following:

• Not legal advice. I am not an attorney, and nothing I provide is legal advice. Employment and benefits matters are governed by complex and frequently changing federal, state, and local laws, which may include, without limitation, the Fair Labor Standards Act, Family and Medical Leave Act, Americans with Disabilities Act, Title VII of the Civil Rights Act, Affordable Care Act, Employee Retirement Income Security Act (ERISA), COBRA, HIPAA, and the Internal Revenue Code. You should consult qualified employment and/or ERISA counsel before adopting, changing, or communicating any policy, plan, or practice.
• Not insurance, investment, or tax advice. I am not a licensed insurance producer, agent, or broker; a registered investment adviser; a broker-dealer; an actuary; an accountant; or a tax professional. I do not sell or place insurance or recommend specific insurance policies, investment options, or securities. Decisions about insurance coverage, plan funding, retirement plan investments, and tax treatment should be made with appropriately licensed professionals.
• Not a fiduciary or plan administrator. I do not act as a fiduciary, plan administrator, third-party administrator, or plan sponsor of any employee benefit plan, and I do not exercise discretionary authority or control over any plan or its assets. Responsibility for plan design, administration, compliance, and fiduciary decisions remains with your organization and its designated fiduciaries and advisors.
• Your decisions and compliance remain yours. Recommendations are based on the information you provide and on general industry knowledge, benchmarking, and best practices available at the time. I am not responsible for the accuracy or completeness of information you provide. Your organization retains sole responsibility for all business, employment, compensation, and benefits decisions; their implementation; communications to employees; and compliance with all applicable laws and regulations.
• No guaranteed outcomes. I do not guarantee any specific cost savings, return on investment, employee engagement, retention, recruiting, productivity, compliance, or other business result.
• Separate agreements control. The specific scope, terms, and responsibilities of any Business Services engagement are governed by the written agreement between us. If that agreement conflicts with this Disclaimer, the written agreement controls.

Not Legal or Financial Advice

Apart from the Business Services terms above, and more generally, I am not an attorney, accountant, or financial advisor, nor am I holding myself out to be one. Information on the Website about personal finances, wealth, money, business, or career choices is not a substitute for legal, tax, or financial advice from your own attorney, accountant, and/or financial advisor. Although care has been taken in preparing the information provided to you, I cannot be held responsible for any errors or omissions, and I accept no liability whatsoever for any loss or damage you may incur. Always seek legal, tax, and/or financial counsel regarding your specific circumstances.

No Professional Relationship

Your use of the Website, including reading content, joining a community group, subscribing to a newsletter, or sending me a message, does not by itself create a coaching, consulting, or other professional relationship between us. A coaching or consulting relationship exists only under a separate written agreement or a completed purchase of a coaching or consulting program, and then only on the terms of that agreement or purchase.

Personal Responsibility

You agree to provide accurate information when interacting with me through the Website. You acknowledge that you are participating voluntarily in using the Website and that you are solely and personally responsible for your choices, actions, and results, now and in the future. You accept full responsibility for the consequences of your use, or non-use, of any information provided on or through the Website, and you agree to use your own judgment and due diligence before implementing any idea, suggestion, or recommendation from the Website in your life, family, or business.

No Guarantees

My role is to support and assist you in reaching your own goals, but your success depends primarily on your own effort, motivation, commitment, and follow-through. I cannot predict, and I do not guarantee, that you will attain any particular result, and you accept and understand that results differ for each individual and each organization. Results depend on unique background, dedication, desire, motivation, actions, resources, market conditions, and numerous other factors outside my control.

Earnings Disclaimer

Any earnings, income, revenue, savings, or financial statements or examples shared on or through the Website are only estimates or illustrations of what might be possible and are not typical results. There can be no assurance as to any particular financial outcome based on use of the Website. I am not responsible for your earnings, the success or failure of your personal or business decisions, any increase or decrease in your finances or income, or any other result of any kind arising from information presented to you through the Website. You are solely responsible for your results.

Testimonials

Testimonials, examples, case studies, and photos shared on or through the Website are from real clients and individuals and reflect their genuine experiences, opinions, and results, or are comments from individuals who can speak to my character or the quality of my work. They are shared for illustrative purposes only. They do not represent or guarantee that you will achieve the same or similar results, and individual results vary. If I have provided any compensation or benefit in exchange for a testimonial, I will disclose it.

Affiliates and Material Connections

I may promote, recommend, link to, or partner with individuals, companies, and brands whose programs, products, and services I believe in, including supplement and wellness brands, business tools, and software. Some links on the Website are affiliate links, which means I may earn a commission, discount, free product, or other compensation if you click a link or make a purchase, at no additional cost to you. I may also receive free products, sponsorships, or other benefits from brands I mention.

I only recommend Products and services I personally use, have used, or genuinely believe in, and my opinions are my own. I will disclose material connections where I make a recommendation, in addition to this general disclosure. Any promotion or recommendation does not relieve you of the responsibility to use your own judgment to determine whether a program, product, or service is appropriate for you. You assume all risks, and I am not liable in any way for any program, product, or service I may promote, market, share, or sell on behalf of a third party.

No Endorsement of Third Parties

References or links on the Website to the information, opinions, advice, programs, products, or services of any other individual, business, or entity do not constitute a formal endorsement, except to the extent of my personal opinion as described above. I am not responsible for the websites, content, blogs, e-mails, videos, podcasts, social media, programs, products, or services of any other person or business linked to or referenced on the Website. Likewise, if a link to my Website appears on another individual's or business's website, program, product, or service, that does not constitute my endorsement of them.

Assumption of Risk

As with any activity, unknown individual risks and circumstances can arise during use of the Website that cannot be foreseen and that may influence or reduce results. You understand that any suggestion, recommendation, or Product mentioned on or through the Website is to be taken at your own risk, with no liability on my part, recognizing that there is a rare chance that illness, injury, or even death could result, and you agree to assume all risks.

Limitation of Liability

To the fullest extent permitted by law, by using the Website you agree to absolve me of any liability or loss that you or any other person or organization may incur from use of the information, products, services, or materials you request or receive through the Website. You agree that I will not be liable to you or to any other individual, company, or entity for any type of damages, including direct, indirect, special, incidental, equitable, or consequential loss or damages, for use of or reliance on the Website. You agree that I do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, regulatory penalties, misapplication of information, physical or mental disease, condition, or issue, or any other type of loss or damage due to any act or default by me or anyone acting as my agent, consultant, affiliate, joint venture partner, employee, member, manager, contractor, staff, team member, or anyone otherwise affiliated with my business or me who is engaged in delivering content on or through the Website.

Indemnification and Release of Claims

To the fullest extent permitted by law, you hereby fully and completely hold harmless, indemnify, and release me and my agents, consultants, affiliates, joint venture partners, employees, members, managers, contractors, staff, team members, and anyone otherwise affiliated with my business or me from any and all causes of action, allegations, suits, claims, damages, or demands whatsoever, in law or equity, that may arise in the past, present, or future and that are in any way related to the Website.

No Warranties

I MAKE NO WARRANTIES RELATED TO THE PERFORMANCE OR OPERATION OF THE WEBSITE. I MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENT, MATERIALS, PROGRAMS, PRODUCTS, OR SERVICES INCLUDED ON OR THROUGH THE WEBSITE, INCLUDING ANY THIRD-PARTY PRODUCTS I RECOMMEND. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, I DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Errors, Omissions, and Changes in Law

Although every effort is made to ensure the accuracy of information shared on or through the Website, it may inadvertently contain inaccuracies or typographical errors. Scientific, medical, technological, legal, regulatory, and business practices are constantly evolving, and information that was accurate when published may become outdated. You agree that I am not responsible for the views, opinions, or accuracy of facts referenced on or through the Website, or for those of any other individual or company affiliated with my business or me, and that I am not responsible for any errors or omissions that may occur. I am under no obligation to update content after publication.

Changes to This Disclaimer

I may update this Disclaimer at any time. Changes are effective when posted, as reflected by the "Last Updated" date above. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Disclaimer.

Contact Me

By using the Website, you agree to all parts of this Disclaimer. If you have any questions about this Disclaimer, please contact me at [email protected].