Terms & Conditions

SuzPro Innovations LLC

Last Updated: June 2026

Please read all of these Terms & Conditions carefully before using this Website or engaging with any of my work.

By spending time with me — using this Website (suzanneproksa.com), my coaching and consulting services, my digital products, my newsletters (including the Happy Healthy and Rich newsletter), my podcasts, my blogs, my social media accounts, and any other content or platform I produce — you agree to these Terms & Conditions.

The cliff notes version:

• You are in charge of how you use the information I provide. I am not responsible for your financial, medical, business, legal, or other outcomes.

• Like most coaches, I do not give refunds, and digital products are absolutely non-refundable. Only you can take the action required to make the help you receive work.

• Do not steal my stuff — my courses, my content, my ideas, my newsletters, none of it. It is illegal.

• Do not feed my content into AI tools. Nothing I publish anywhere may be used to train, prompt, or operate any artificial intelligence or machine-learning system. I do not give permission for this in any form.

• If you pay for the Happy Healthy and Rich newsletter on Substack, that content is confidential and for you alone. It is not to be shared, forwarded, or republished.

Now, to help you get sleepy, here is everything you are agreeing to…

Who We Are and Definitions

This Website and its Content are owned by Suzanne Proksa, Founder of SuzPro Innovations LLC (“Company,” “we,” “us,” or “our”). The term “you” refers to any user, viewer, reader, listener, subscriber, client, or purchaser of the Website or any of our Content, Programs, Products, or Services.

“Content” means all words, design, layout, graphics, photos, images, audio, video, information, materials, documents, data, databases, frameworks, methods, and all other intellectual property accessible on or through the Website, our social media accounts, our podcasts, our newsletters, our blogs, and our Programs, Products, and Services.

“Programs, Products, and Services” means everything we offer, including but not limited to one-on-one and group coaching, consulting engagements, digital products and downloads, courses, memberships, podcasts, newsletters (free and paid), blogs, and any content-creation work or collaborations.

“Digital Products” means any product delivered in digital or electronic form, including but not limited to downloads, templates, workbooks, e-books, courses, recorded trainings, audio files, and paid newsletter subscriptions.

We reserve the right to change these Terms & Conditions at any time without notice. By continuing to use the Website or any of our Content, you agree to the Terms & Conditions as they appear, whether or not you have read them. If you do not agree, please do not use the Website or its Content.

Eligibility

By accessing or using this Website, our Content, or any of our Programs, Products, and Services, you represent and warrant that you are at least 18 years old and that you agree to abide by these Terms & Conditions. Any registration by, use of, or access by anyone under the age of 18 is unauthorized, unlicensed, and in violation of these Terms & Conditions.

Prohibited Use of Content with Artificial Intelligence

This section applies to ALL of our Content, wherever it appears — the Website, social media platforms, podcasts, newsletters, blogs, digital products, and any other medium.

No AI Use Permitted. You may not use, reproduce, ingest, scrape, copy, or otherwise process any of our Content, in whole or in part, in connection with any artificial intelligence, machine-learning, large language model, generative AI, or automated system for any purpose. This includes, without limitation, using our Content to train, fine-tune, prompt, ground, retrieve from, or operate any such system. We do not grant permission for our Content to be used with AI in any way, and no such permission may be implied.

This prohibition applies regardless of whether the use is commercial, personal, educational, or experimental, and regardless of whether you are a human user, a bot, a crawler, an automated agent, or a third party acting on behalf of any of these. Using our Content in violation of this section is considered theft and unauthorized use, and we reserve the right to pursue all available legal remedies.

If you wish to request an exception, you must obtain our specific written permission in advance (see “Request for Permission to Use Content” below). Absent that written permission, all AI-related use is strictly prohibited.

Intellectual Property Rights

Our Limited License to You

This Website and its Content are the property of SuzPro Innovations LLC and/or our affiliates or licensors, unless otherwise noted, and are protected by United States copyright, trademark, and other intellectual property laws.

If you view, purchase, or access our Website or any of our Content, you are considered our Licensee. You are granted a revocable, non-transferable license for personal, non-commercial use only, limited to you alone. You may not use the Website or its Content in any manner that infringes our rights or that we have not authorized.

Our Content — including our coaching frameworks, consulting methods, digital products, podcast material, newsletter content, blog articles, and the content we create as a content creator — has been developed through significant investment of time, effort, and expense. It is a valuable, special, and unique asset that must be protected from improper and unauthorized use.

When you view, purchase, or access our Content, you agree that:

• You will not copy, duplicate, scrape, or steal our Website or Content. Doing anything with our Content that is contrary to these Terms and the limited license granted here is considered theft, and we reserve the right to prosecute theft to the fullest extent of the law.

• You may, from time to time, download and/or print one copy of individual pages for your personal, non-commercial use, provided you give us full attribution and credit by name, keep intact all copyright, trademark, and proprietary notices, and (if used electronically) include a link back to the page from which the Content was obtained.

• You may not in any way represent that our Content is yours or was created by you. Downloading or printing Content for personal use does not transfer any ownership rights — it remains our property.

• You must receive our written permission before using any of our Content for business or commercial use or before sharing it with others. You may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, market, create derivative works from, exploit, or distribute any Content in any manner or medium.

• You may not use any of our Content in connection with artificial intelligence or automated systems, as described in the section above.

The trademarks, taglines, and logos displayed on our Website or in our Content are trademarks belonging to us unless otherwise indicated. Any use, including framing, meta tags, or other text utilizing these trademarks, is strictly prohibited without our written permission. All rights not expressly granted are reserved by us.

Your License to Us

By posting or submitting any material on or through our Website, social media, or communities — such as comments, posts, photos, images, or videos — you represent that you own all such materials and are at least 18 years old. You grant us, and anyone authorized by us, consent to use that material as part of our current or future Content, including proprietary and intellectual property rights, without further permission or compensation. You may ask us to delete such information at any time (see our Privacy Policy).

We will not take, borrow, or steal any of your own ideas, programs, or offerings for use in our business. You retain all intellectual property rights in your own work product.

Request for Permission to Use Content

Any request for written permission to use our Content — including any request to use Content with AI — must be made BEFORE you use it, by completing the “Contact Us” form on the Website or emailing [email protected].

If we grant permission, you agree to use only the specific Content we allow and ONLY in the ways for which we have given written permission. If you use Content in any way we have not specifically permitted in writing, you will be treated as if you had copied, duplicated, or stolen such Content, and you agree to immediately stop using it and take any actions we request to protect our rights.

Digital Millennium Copyright Act

We respect the copyright and intellectual property rights of others. If you believe Content on this Website infringes a copyright you own and was posted without your authorization, you may send a takedown request to [email protected]. Requests should be submitted only by the rights holder or an authorized agent.

Coaching, Consulting, and Content Creation

As a coach, consultant, digital product creator, podcaster, newsletter author, blogger, and content creator, I provide education, tools, frameworks, and perspective to help you make your own decisions. My Programs and Services are not a guarantee of any particular result.

Coaching and consulting are collaborative. Your results depend on your own actions, effort, circumstances, and decisions. I am not your employee, business partner, agent, fiduciary, attorney, physician, therapist, or financial advisor, and nothing in our relationship creates any such role. Any sponsored, affiliate, or collaborative content is subject to these Terms, and the involvement of a third party does not make us responsible for that third party’s products, services, or conduct.

Personal Responsibility and Assumption of Risk

You agree that you are using your own judgment in using our Website, Content, Programs, Products, and Services, and that you do so at your own risk. You assume all risks, and no results are guaranteed. Our Content is intended only to provide education and tools to help you make your own decisions. You are solely responsible for your actions, decisions, and results based on the use, misuse, or non-use of our Content.

Disclaimers

Our Website, Content, Programs, Products, and Services are for informational and educational purposes only. To the fullest extent permitted by law, we expressly exclude any liability for any direct, indirect, or consequential loss or damage incurred by you or others in connection with our Content, including without limitation any liability for accidents, delays, injuries, harm, loss, damage, lost profits, business interruptions, misapplication of information, physical or mental conditions, loss of income, loss of data, loss of goodwill, wasted time, and any other loss or damage of any kind, however caused, even if foreseeable.

Medical Disclaimer

Our Content is not, and should not be relied upon as, medical or mental health advice. It is not a substitute for professional advice, diagnosis, or treatment from your physician, nurse practitioner, physician assistant, therapist, counselor, mental health practitioner, licensed dietitian or nutritionist, clergy member, or other licensed health care professional. Do not disregard or delay seeking professional advice because of anything you read in our Content. Do not stop taking medication without speaking to a qualified provider. We are not providing health care, medical, or nutrition services, and we are not attempting to diagnose, treat, prevent, or cure any condition.

Legal and Financial Disclaimer

Our Content is not, and should not be relied upon as, business, financial, or legal advice. It is not a substitute for professional advice from your own accountant, lawyer, or financial advisor. We are not responsible for your earnings, the success or failure of your business decisions, or any change in your finances or income. You are solely responsible for your results, and you are advised to consult your own qualified professionals.

Earnings Disclaimer

We make no representations as to future income, expenses, sales volume, profitability, or any health, physical, mental, emotional, or spiritual benefit that may result from your use of our Content. We cannot and do not guarantee any particular result, positive or negative. Results differ for each individual, and your results are strictly your own.

Warranties Disclaimer

OUR WEBSITE, CONTENT, PROGRAMS, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE OR ITS CONTENT WILL BE FUNCTIONAL, UNINTERRUPTED, CORRECT, COMPLETE, OR ERROR-FREE, OR THAT IT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Technology and Errors Disclaimer

We try to ensure the availability and delivery of our Content is uninterrupted and error-free, but we cannot guarantee uninterrupted access. To the fullest extent permitted by law, we will not be liable for damages or refunds should our Content become unavailable, slow, or incomplete for any reason. Every effort has been made to present accurate, up-to-date information, but we cannot be held responsible for inaccuracies, errors, or omissions.

Links to Other Websites

We may provide links to third-party websites for your convenience. Inclusion of a link does not imply our endorsement, sponsorship, or approval. We have no control over and accept no responsibility for the content, functionality, views, or accuracy of third-party websites. It is your responsibility to review their terms and privacy policies.

Indemnification, Limitation of Liability, and Release of Claims

Indemnification

You agree at all times to defend, indemnify, and hold harmless our Company, as well as our affiliates, agents, contractors, officers, directors, shareholders, employees, joint venture partners, successors, transferees, assignees, and licensees, from and against any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees, arising out of or related to our Content or your breach of any obligation, warranty, representation, or covenant in these Terms or any other agreement with us.

Limitation of Liability

Unless otherwise limited by law, we will not be held responsible or liable in any way for the information, products, or materials you request or receive through our Content. We do not assume liability for accidents, delays, injuries, harm, loss, damage, lost profits, business interruptions, misapplication of information, or any physical or mental condition, due to any act or default of anyone affiliated with us.

Release of Claims

In no event will we be liable to any party for any direct, indirect, special, incidental, equitable, or consequential damages arising from any use of or reliance on our Content, and you hereby release us from any and all such claims, even if we are advised of the possibility of such damages.

Your Conduct

You agree not to use our Content in any way that causes, or is likely to cause, interruption, damage, or impairment to it. You are solely responsible for all communications and content you send from your device to us or our Website. You agree to use our Content for lawful purposes only and not to:

• Use it for fraudulent purposes or in connection with any criminal offense or unlawful activity.

• Send or re-use any material that is illegal, offensive, abusive, indecent, harmful, defamatory, obscene, menacing, threatening, invasive of privacy, or infringing of any intellectual property rights.

• Transmit software viruses, harmful code, commercial solicitation, chain letters, mass mailings, or spam.

• Cause annoyance, inconvenience, or needless anxiety, or impersonate any third party.

• Scrape, harvest, or ingest our Content for use in any artificial intelligence or automated system.

• Reproduce, duplicate, copy, or resell any part of our Content in a way that is not in compliance with these Terms.

Online Commerce and Payments

Certain parts of the Website may allow you to make purchases from us or from other merchants. If you make a purchase from us, the information you provide — such as your name, address, payment method, card number, and billing information — may be collected by us, the merchant, and our payment processing company. Please review our Privacy Policy.

If paying by debit or credit card, you authorize us to charge your card as payment for your Program, Product, or Service without additional authorization, and you will receive an electronic receipt. If you are provided an invoice instead, you must pay it by the due date or your access may be placed on hold.

Your dealings with any third-party merchant, affiliate, or company found through our Content — including all payment, refund, and delivery terms — are solely between you and that merchant. We are not responsible or liable for any loss, damage, or other matter arising from those dealings.

Refund Policy

Because of the extensive time, effort, preparation, and care that goes into creating and providing our Programs, Products, and Services, we maintain a no-refund policy.

Digital Products Are Non-Refundable. All Digital Products — including downloads, templates, workbooks, e-books, courses, recorded trainings, audio files, and paid newsletter subscriptions — are absolutely non-refundable. Because Digital Products are delivered electronically and cannot be returned, all sales of Digital Products are final and no refunds will be issued at any time, for any reason, unless required by applicable law.

For all other Programs, Products, and Services, and unless otherwise provided by law, you acknowledge that we do not offer refunds for any portion of your payment, and no refunds will be provided at any time. By purchasing or using any of our Programs, Products, Services, or Content, you understand and agree that all sales are final.

Chargebacks and Delinquent Payments

Because we have a clear and explicit Refund Policy that you agree to before completing any purchase, we do not tolerate or accept any chargeback threat or actual chargeback. In the event of a chargeback or chargeback threat, we reserve the right to report the incident to credit reporting agencies or to any chargeback database, including your name, email address, order date, order amount, and billing address. We also reserve the right to seek payment of any delinquent amount, including through a collections agency.

If you fail to make a timely payment or voluntarily withdraw from a Program, Product, or Service for any reason, you remain fully responsible for the full cost of that Program, Product, or Service.

Happy Healthy and Rich Newsletter (Paid Substack Subscription)

The Happy Healthy and Rich newsletter is a paid newsletter delivered through Substack. By subscribing to and paying for this newsletter, you agree to the following terms in addition to everything else in these Terms & Conditions.

Confidential, For Subscribers Only.

All content of the Happy Healthy and Rich newsletter is confidential and is provided solely for the personal use of the individual paying subscriber. You understand and agree that this content is not for the consumption of anyone other than you, the paying subscriber. You may not share, forward, copy, screenshot, republish, distribute, sell, or otherwise make the newsletter content available to any other person, whether or not money changes hands.

• Your subscription grants a single, personal, non-transferable license to read the newsletter content for your own use only. It does not grant any right to share access or content with others.

• If another person wishes to access the newsletter, they must purchase their own paid subscription.

• The newsletter content may not be used with any artificial intelligence or automated system, consistent with the AI prohibition above.

• All Digital Product and no-refund terms apply to your paid subscription: subscription payments are non-refundable.

If we learn that you have shared, forwarded, or republished confidential newsletter content, or shared your access with another person, we reserve the right to immediately terminate your subscription and access without refund, and to pursue any available legal remedies for breach of confidentiality and infringement of our rights.

Termination

You may terminate your use of or participation in our Programs, Products, or Services at any time by emailing us. We reserve the right, in our sole discretion, to refuse or terminate your access to the Website, our Content, or any Program, Product, or Service, in full or in part, at any time and without notice.

Upon termination by either party, all terms of these Terms & Conditions — including all copyright, trademark, intellectual property, confidentiality, AI-use, disclaimer, limitation of liability, release of claims, and Refund Policy provisions — will continue to apply now and in the future.

Dispute Resolution

It is our hope that any differences can be worked out amiably through email. However, if we are unable to reach resolution within a reasonable time, you agree that the only method of legal dispute resolution will be binding arbitration before a single arbitrator, selected jointly, in accordance with the rules of the American Arbitration Association. Before seeking arbitration, you must email us with all of your reasons for dissatisfaction.

You understand and agree that the only remedy that may be awarded through arbitration is a refund of the payment you have made to date, where a refund is legally required; no other actions or financial awards may be granted. The decision of the arbitrator is final and binding and may be entered as a judgment in any court of appropriate jurisdiction.

Any arbitration must begin within one (1) year of the date of your email referenced above, or you waive the right to seek dispute resolution by arbitration or to take any other legal action. Any arbitration will be held in Ottawa County, Michigan, where our business is registered, and the prevailing party shall be entitled to all reasonable attorneys’ fees and costs.

In the event of a dispute, you agree not to engage in conduct or communications, including on social media, designed to disparage us, our Company, or any of our Programs, Products, or Services, except as permitted or required by law or as part of the legal process. If any term of these Terms & Conditions is found invalid or unenforceable, the remaining terms shall remain in full force and effect.

Governing Law

These Terms & Conditions shall be governed by the laws of the State of Michigan, where our business is registered, without regard to conflict of laws principles.

Privacy and Confidentiality

Please review our full Privacy Policy for how we handle your personal data and information and for your rights regarding that information. To provide our Content, we may collect personal data such as your name, email address, phone number, billing information, preferences, and interests (“Confidential Information”). By providing this information, you grant us permission to use and store it in accordance with our Privacy Policy. We will use reasonable efforts to keep your Confidential Information safe, but due to the nature of the internet we cannot completely guarantee its security; you provide it at your own risk.

We will not sell, distribute, or lease your Confidential Information to third parties unless we have your permission or are required by law. We may disclose it where required by law, to comply with legal process, to protect our rights or property, or to protect the personal safety of our users or the public.

Contact Us

If you have any questions about these Terms & Conditions, please contact us at [email protected].

Thank you.

SuzPro Innovations LLC  |  Last Updated: June 2026