Terms & Conditions and Disclaimer
Effective Date: September 10, 2025
Welcome to www.thriveafter45.com (the “Website”), owned and operated by Rena Hedeman (also legally known as Irene L. Hedeman) and Thrive After 45 LLC (“Company,” “we,” “our,” “us”). These Terms & Conditions (“Terms”) govern your use of the Website, including any content, functionality, programs, webinars, courses, coaching, and services offered through it.
By accessing or using this Website, you agree to be bound by these Terms, along with our Privacy Policy and Disclaimer. If you do not agree, please discontinue use of the Website immediately.
1. Acceptance of Terms
By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Disclaimer (incorporated herein by reference).
2. Eligibility & Age Requirement
This Website is intended for individuals age 18 or older. By using the Website, you represent and warrant that you meet this requirement. If you are under 18, you are not permitted to use this Website or provide any personal information.
3. User Conduct
You agree not to:
Use the Website for any unlawful purpose.
Harass, abuse, or harm others.
Share login credentials, access codes, or purchased materials with others.
Upload or transmit viruses, malware, or harmful code.
Attempt to gain unauthorized access to the Website or its servers.
Violation of these rules may result in termination of your access.
4. Intellectual Property Rights
All content on this Website, including text, graphics, logos, videos, documents, and materials, is owned by or licensed to Rena Hedeman and Thrive After 45 LLC and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content without our prior written consent.
5. Payments, Refunds, and Cancellations
Some services, programs, or digital products may require payment.
Payments are processed by third-party providers (e.g., Stripe, PayPal). We do not store your credit card information.
Unless otherwise specified at the time of purchase, all sales are final. Refund policies, if applicable, will be clearly stated during checkout.
By completing a purchase, you agree to the posted pricing, payment terms, and refund policies.
6. Third-Party Links & Services
The Website may include links to third-party sites or services. We are not responsible for the content, accuracy, or privacy practices of these third parties. You access them at your own risk.
7. Limitation of Liability
To the fullest extent permitted by law, Thrive After 45® LLC disclaims all liability for any damages, losses, or injuries arising from your use of the Website or services. In no event shall we be liable for indirect, incidental, special, consequential, or punitive damages.
Your sole remedy for dissatisfaction with the Website or its content is to stop using the Website.
8. Indemnification
You agree to indemnify, defend, and hold harmless Thrive After 45® LLC, its owner (Rena Hedeman), employees, contractors, and affiliates from and against any claims, damages, liabilities, costs, or expenses arising from your use of the Website or violation of these Terms.
9. Governing Law & Jurisdiction
These Terms shall be governed by and construed under the laws of the State of Massachusetts, United States, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Massachusetts.
10. Modifications to Terms
We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the Website constitutes acceptance of any changes.
11. Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
12. Entire Agreement
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Thrive After 45 LLC regarding the use of the Website and services.
13. DISCLAIMER
The following Disclaimer forms an integral part of these Terms & Conditions:
This website is owned and operated by Rena Hedeman (also legally known as Irene L. Hedeman).
This Disclaimer, along with the Terms of Use and Privacy Policy, governs your access to and use of www.thriveafter45.com, including any content, functionality and services offered on or through www.thriveafter45.com (the “Website”), including courses, group coaching, individual coaching, or anything else offered by Rena Hedeman and/or www.thriveafter45.com, whether as a guest or a registered user.
Please read the Disclaimer carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to the Privacy Policy, you must not access or use the Website.
FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY
The information contained on this Website and the resources available for download through this website are for educational and informational purposes only.
NOT PROFESSIONAL ADVICE
The information contained on this Website and the resources available for download through this website are not intended as, and shall not be understood or construed as, professional advice. Rena Hedeman is a professional and the information provided on this Website relates to issues within her area of professionalism, the information contained on this Website is not a substitute for advice from a professional who is aware of the facts and circumstances of your individual situation.
We have done our best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a professional to address your particular information. Rena Hedeman expressly recommends that you seek advice from a professional.
Rena Hedeman shall not be held liable or responsible for any errors or omissions on this website or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.
Please be aware that under no circumstances shall a coaching relationship with Rena Hedeman be considered or construed as psychological counseling or any type of therapy or professional advice of any kind. As previously stated, your results cannot be guaranteed, and success depends on your commitment level, as well as many outside factors. Should you decide to participate in one or any of Rena Hedeman’s programs – whether it be individual coaching, group coaching, an online course, or anything offered by Rena Hedeman and/or yourbigfunlife.com – you agree that you are doing so with the understanding that you are responsible for your results and/or outcomes. You also agree to hold Rena Hedeman free of all liability and responsibility for any actions or results for adverse situations created as a direct or indirect result of specific statements given by Rena Hedeman, also known as Irene L. Hedeman, and/or thriveafter45.com and/or any programs offered by Rena Hedeman and/or The Website.
NO PROFESSIONAL-CLIENT RELATIONSHIP
Your use of this Website – including implementation of any suggestions set out in this Website and/or use of any resources available on this Website (for example written materials, courses, coaching, Facebook groups, videos, etc) – does not create a professional-client relationship between you and Rena Hedeman.
Rena Hedeman cannot accept you as a client unless and until we determine that there is a fit and until various requirements, such as fee arrangements, are resolved. Thus, you recognize and agree that we have not created any professional-client relationship by the use of this Website.
USER’S PERSONAL RESPONSIBILITY
By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.
NO GUARANTEES
You agree that Rena Hedeman has not made any guarantees about the results of taking any action, whether recommended on this Website or not. Rena Hedeman and www.thriveafter45.com provides educational and informational resources that are intended to help users of this website succeed in their life. You nevertheless recognize that “success” in this case has no monetary definition or value. You also recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond the control and/or knowledge of Rena Hedeman.
You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether clients or customers of Rena Hedeman or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.
ERRORS AND OMISSIONS
This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. We have taken reasonable steps to ensure that the information contained in this Website is accurate, but we cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website and/or resources available on it prior to taking any action. You expressly agree not to rely upon any information contained in this website.
REVIEWS
At various times, we may provide reviews of products, services, or other resources. This may include reviews of books, services, and/or software applications. Any such reviews will represent the good-faith opinions of the author of such review. The products and services reviewed may be provided to Rena Hedeman at a reduced price as an incentive to provide a review.
Regardless of any such discounts, we will provide honest reviews of these products and/or services. You recognize that you should conduct your own due diligence and should not rely solely upon any reviews provided on this website.
We will disclose the existence of any discounts or incentives received in exchange for providing a review of a product. If you would like more information about any such discounts and incentives, send an email to [email protected] that includes the title of the reviewed product as the subject line. We will respond via email and disclose any incentives or You recognize that it remains your personal responsibility to investigate whether any affiliate offers are right for your business and will benefit you. You will not rely on any recommendation, reference, or information provided by Rena Hedeman but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.
NO ENDORSEMENTS
From time to time, Rena Hedeman will refer to other products, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. Rena Hedeman provides this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert.
TESTIMONIALS
At various places on this Website, you may find testimonials from clients and customers of the products and services offered on this Website or by Rena Hedeman. The testimonials are actual statements made by clients and/or customers and have been truthfully conveyed on this Website.
Although these testimonials are truthful statements about results obtained by these clients and/or customers, the results obtained by these clients and/or customers are not necessarily typical. You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any products or services offered on this Website or by Rena Hedeman.
HEALTH & RESULTS DISCLAIMER
Every effort has been made to accurately represent our programs and the educational value they provide. However, there is no guarantee that you will achieve specific health, weight loss, fitness, or wellness results by using the information, strategies, or tools provided through this Website, our programs, or our coaching services.
You should not rely on any weight loss numbers, health improvements, or other results mentioned on this Website as a promise, guarantee, or expectation of similar outcomes. Your individual results will depend on many factors that we cannot control, including but not limited to: your current health status, medical history, genetics, nutrition, exercise habits, lifestyle choices, level of effort, and consistency in following recommendations.
All health, fitness, nutrition, and weight management efforts carry risks, and your use of any information contained on this Website or provided through our services is at your own risk. Subject to our Refund Policy, we provide all content and services without any express or implied warranties.
Always consult with your physician or other qualified healthcare provider before starting any new diet, exercise, or wellness program to ensure it is safe and appropriate for your individual circumstances.
By continuing to use our site, participate in our programs, or access our coaching and resources, you agree that we are not responsible for any decision you make regarding your health, lifestyle, or wellness, or for any outcomes that may result from applying the information presented.
NO WARRANTIES
RENA HEDEMAN MAKES NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. RENA HEDEMAN FURTHER MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, RENA HEDEMAN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
LIMITATION OF LIABILITY
YOU AGREE TO ABSOLVE THRIVE AFTER 45 LLC AND RENA HEDEMAN, ALSO KNOWN AS IRENE L. HEDEMAN, OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR THE RESOURCES YOU MAY DOWNLOAD FROM THIS WEBSITE. YOU AGREE THAT RENA HEDEMAN SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUENTIAL LOSS OR DAMAGES FOR USE OF THIS WEBSITE.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. RENA HEDEMAN AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME.
RENA HEDEMAN AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. RENA HEDEMAN AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RENA HEDEMAN AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF RENA HEDEMAN OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
The material appearing on ThriveAfter45.com – including but not limited to information contained in videos, written materials, comments, coaching calls, webinars, teleseminars or emails – is provided for informational purposes only. It should not be used as a substitute for the services of trained professionals in any field, including, but not limited to psychological, medical, financial, or legal. It is in no way meant to be considered or construed as therapy or any type of psychological counseling or advice, or any type of therapy. ThriveAfter45.com may contain information written by or spoken by a variety of sources. It is your responsibility to research the accuracy, completeness, and usefulness of all opinions, services, and other information found on the site. ThriveAfter45.com, and Rena Hedeman (also known as Irene L. Hedeman) assume no responsibility or liability for any consequence resulting directly or indirectly from any action or inaction you take based on the material linked to or information found on ThriveAfter45.com. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of this Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.
ThriveAfter45.com may include guest posts and moderated comments containing the personal opinions of others. The opinions are not necessarily the views of Rena Hedeman. Except for information, products or services clearly and specifically identified as being supplied or endorsed by Rena Hedeman, Thrive After 45 LLC or ThriveAfter45.com, we do not endorse any products or services these websites or other websites linked to or from it. Rena Hedeman and ThriveAfter45.com do not recommend or endorse any specific procedures, opinions, or other information that may be included in these outside websites. We make no commitment to update or correct any information on this website and accept no responsibility for any errors or omissions in any of the Materials on or any Materials referred to on ThriveAfter45.com or linked to it.
Neither Rena Hedeman nor ThriveAfter45.com makes any warranty that the use of our websites will be uninterrupted or free from viruses and/or other potentially harmful components. We also cannot and do not guarantee or warrant that e-mail or files available for downloading from its website will be free of viruses or other code that may contaminate or destroy data on your computer. You are responsible for implementing sufficient protective procedures and checks to maintain the accuracy of your data for maintaining a data back-up or other means for the reconstruction of any lost data. Neither Rena Hedeman, RenaHedeman.com, nor ThriveAfter45.com assumes any responsibility or risk for damage to your computer or its files related to your use of these websites.
The website ThriveAfter45.com is owned and operated by Rena Hedeman, also known as Irene L. Hedeman. The entire contents and design of the website are protected by U.S. and international copyright law. All rights regarding these website and materials contained on the websites are either owned by Rena Hedeman, are licensed to, or are used with permission. Rena Hedeman retains and reserves all proprietary rights to the contents of ThriveAfter45.com. You may not copy, republish, upload, post, display, transmit, or frame any of these materials without prior written consent from Rena Hedeman.
Contact Information
If you have any questions about these Terms, please contact us:
Thrive After 45 LLC
Email: [email protected]
Mailing Address:
96 Indian Pipe St.
Concord, MA 01742
