Last Updated: October 2025

1. Acceptance of Terms
By accessing or using our services, you agree to these Terms. If you disagree, do not use our platform.

2. Services & Use Restrictions
We offer content, coaching, protocols, and supplements. Use only for lawful, personal wellness purposes. You may not reverse-engineer, misuse, or represent yourself as us.

3. Purchases & Payments
You must provide accurate billing information. We reserve the right to refuse or cancel orders. Payment processing is handled by secure third-party providers.

4. Medical / Coaching Disclaimer
Our content, coaching, and supplements are not medical advice. They do not diagnose, treat, cure, or prevent disease. Always consult a qualified medical professional.

5. Liability Limitation
To the fullest extent allowed by law, Health Factors is not liable for indirect, incidental, or consequential damages arising from your use of products or services.

6. Intellectual Property
All site content, branding, images, and materials are owned by Health Factors or its licensors. No unauthorized use or reproduction is allowed.

7. Jurisdiction & Governing Law
These terms are governed by the laws of the State of Iowa, United States. Disputes resolved in courts of that jurisdiction.

8. Changes to Terms
We may amend these Terms at any time; changes become effective when posted. Continued use implies agreement.