Terms & Conditions

Terms & Conditions Overview

The following Terms and Conditions apply to your use of the Midlife Solutions website, digital services, membership programs, and any related content, communication, or tools we provide. These Terms operate alongside our Privacy Policy, and together they govern your relationship with Midlife Solutions.

In this document:

“Services” refers to the OnTrack membership program and any other programs, digital products, courses, or resources offered by Midlife Solutions.
“Members,” “you,” and “your” refer to individuals who access, purchase, or use any of our services.
“Site” or “platform” refers to the Midlife Solutions website and any associated online platforms used to deliver our services.

By accessing or using the Site or Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you should discontinue use of the Site and Services.

Midlife Solutions reserves the right to update, revise, or replace any portion of these Terms at any time. Changes will become effective immediately upon posting. It is your responsibility to review these Terms periodically for updates. Continued use of the Site or Services after such changes constitutes your acceptance of the revised Terms.

Any new features, tools, products, or services added to the Site in the future will also be subject to these Terms unless otherwise stated.

Our Service

OnTrack is an online membership program designed to provide users with meal plans, nutritional guidance, educational resources, and group coaching related to midlife metabolism and hormone support. The OnTrack program is not medical advice, nor is it a substitute for individualized medical care. Always consult your physician before making significant changes to your diet, exercise routine, supplements, medications, or lifestyle.

To participate in OnTrack or any related membership program, you are responsible for securing and maintaining the technology necessary to access the platform. We do not issue refunds for your personal technical difficulties, including issues with devices, internet connection, or browser compatibility.

To register, you must provide a valid and accessible email address. All OnTrack memberships operate on an auto-renewing basis according to the billing cycle you select (monthly, quarterly, or annual). By enrolling, you authorize Karen Martel / Midlife Solutions to charge your card at each renewal unless you cancel prior to the next billing date.

All content—whether written, spoken, or presented in group or private settings—by Karen Martel, Jessica Brennan, or any Midlife Solutions team member is provided for informational and educational purposes only. No information shared through our programs should be interpreted as medical advice or a replacement for consultation with a licensed healthcare professional. You should review all recommendations with your physician, especially before beginning any nutrition, weight loss, or hormone-related program.

Our platform may provide access to third-party tools, software, or external resources. These tools are provided “as is” and “as available” without warranties, guarantees, or endorsements. We do not control, monitor, or assume responsibility for third-party tools or their providers. Your use of any optional third-party tools is entirely at your own risk, and you are solely responsible for reviewing and agreeing to the terms and policies of each provider.

Our services may also include links to third-party websites. We are not responsible for examining or warranting the accuracy or content of third-party information and assume no liability for any products, services, content, transactions, or damages that occur through third-party sites. Any concerns or complaints regarding third-party products must be directed to the third party.

From time to time, we may offer new features, tools, or services. Unless otherwise stated, these additions will also fall under these Terms of Service.

Occasionally, information on our Site or within our Service may contain typographical errors, inaccuracies, or omissions related to product descriptions, pricing, availability, or promotions. We reserve the right to correct such errors or update information at any time without prior notice, including after you have placed an order.

We do not promise that the Site or Service will be available without interruption, delay, errors, or security issues. We cannot guarantee that the results obtained from our Service will be accurate, reliable, or meet your expectations.

Your use of the Site and Service is entirely at your own risk. Except where prohibited by law, Midlife Solutions, Karen Martel, and all associated employees, contractors, and affiliates disclaim all liability for any direct, indirect, incidental, punitive, or consequential damages arising from your use of the Site or Service.

Payments & Refunds

Some memberships may begin with a discounted or promotional trial period, including free trials or $1 trials. By signing up for a trial, you agree to the billing cycle associated with your selected plan. Once the trial ends, your card will be automatically charged for the next billing term unless you have canceled prior to the trial expiration.

All memberships—including monthly, quarterly, or yearly billing cycles—renew automatically. You are responsible for canceling your membership before your next billing date if you do not wish to renew. Refunds will not be issued for:

Late cancellations
Forgetting to cancel
Failure to use the membership
Remaining unused time after canceling

You may cancel your membership at any time using the “Manage Your Account” section of the members hub. Once canceled, your access will remain active until the end of the term that has already been paid for.
Exception: If you cancel during a free trial or $1 trial, your access will be removed immediately to protect our paid content.

14-Day Money-Back Guarantee (OnTrack Only)

OnTrack memberships include a 14-day, 100% money-back guarantee provided you have not accessed any bonus programs. Bonus programs include Master Classes included with your membership, which carry standalone value ($100–$500). If you access these bonuses within the first 14 days, the guarantee becomes void and no refund will be issued.

The 14-day guarantee applies only to first-time purchasers of the OnTrack membership and does not apply to:

Meal-plan-only memberships
Memberships that began with a free or $1 trial
Renewals of any kind

Currency

All charges from Midlife Solutions / Karen Martel are processed in U.S. dollars (USD). Currency conversion or bank fees are the responsibility of the purchaser.

Your Content

“Content” here means any information, text or other materials that are uploaded and appear as part of the services on this site. You are the owner of all the content that you contribute to OnTrack.

Intellectual Property

All materials that appear on or are accessible through the Midlife Solutions website, OnTrack program, or any related digital services—including but not limited to software, design elements, text, editorial content, educational materials, recipes, photographs, illustrations, graphics, images, audio clips, video clips, logos, trademarks, and service marks—are the property of Martel Media 1718, Midlife Solutions, OnTrack, or Karen Martel Nutrition, and are protected by copyright, trademark, and other intellectual property laws.

The names OnTrack, Midlife Solutions, Karen Martel, and all associated logos, branding elements, program titles, course materials, and designs are trademarks of Martel Media 1718 and may not be used without prior written permission.

All downloadable materials, including PDFs generated from the site, digital guides, recipes, graphics, and course-related documents, are provided solely for personal, non-commercial use. Copying, redistributing, reproducing, editing, publishing, selling, or using these materials for marketing, resale, or commercial purposes is strictly prohibited without express written consent from Martel Media 1718.

Unauthorized use of any photographs, educational content, meal plans, coaching materials, transcripts, or proprietary frameworks is expressly forbidden.

Rules of Use

By accessing or using the Site or Services, you agree to comply with all applicable laws and regulations. You further agree not to engage in any of the following prohibited activities:

Prohibited Conduct

You will not:

Engage in spamming or unauthorized advertising, including sending unsolicited promotional materials through the Site or Services.
Manipulate identifiers, such as email headers or IP addresses, to disguise the origin of content.
Impersonate any person or entity, or misrepresent your affiliation with any person or organization.
Harass, threaten, or send harmful or abusive communications to any other user.
Upload, transmit, or spread viruses, malware, or other harmful technologies through the Site or Services.
Use the platform for any illegal purpose, or for any purpose that violates local, state, federal, or international laws and regulations.
Attempt to bypass, interfere with, or compromise security features of the Site or Services, including attempts to access another user’s account or password.
Engage in denial-of-service attacks, flooding, or any action that disrupts or interferes with the operation of the Site.
Post or distribute content that is unlawful, obscene, defamatory, invasive of another’s privacy, threatening, fraudulent, harmful, or otherwise objectionable.
Post or share content that infringes upon any copyright, trademark, patent, trade secret, or other proprietary rights of any third party.
Collect or harvest personal information about other users without their knowledge and consent.
Publish links or trigger downloads that violate copyright law, or that distribute illegal or infringing materials.
Electronically stalk, intimidate, or violate the privacy rights of any other user of the platform.

User Account Responsibility

You are solely responsible for:

Maintaining the confidentiality and security of your account and password.
All activities that occur under your account.

You agree to notify Midlife Solutions immediately of any unauthorized use of your account or any breach of security.

Violation of these rules may result in immediate suspension or termination of your access to the Site or Services at the sole discretion of Karen Martel / Midlife Solutions.

Responsibility

Midlife Solutions and Karen Martel are not responsible for any content posted, generated, or shared by members within the Site or Services, including community forums, comments, or user-generated materials. Users may encounter content that is offensive, inaccurate, misleading, or otherwise objectionable. We disclaim all responsibility for harm, damages, or losses arising from exposure to or reliance on such content.

The Site may contain links to third-party websites or resources. These links are provided solely for your convenience. Midlife Solutions does not endorse, monitor, or guarantee the accuracy, quality, opinions, products, services, or practices of any third-party website. Your use of any third-party site is governed exclusively by that site’s own terms and conditions.

Midlife Solutions assumes no liability for:

Errors or inaccuracies on third-party websites
Losses or damages arising from the use of third-party products, services, or content
Any transactions conducted with third-party vendors or websites

All concerns or inquiries regarding third-party products or services must be directed to the applicable third party.

Changes

Midlife Solutions and Karen Martel reserve the right, at their sole discretion, to modify, update, or replace any part of these Terms at any time without prior notice. Your continued access or use of the Site or Services following the posting of any changes constitutes your acceptance of those modifications.

It is your responsibility to review these Terms regularly to remain informed of any updates. If you do not agree to the revised Terms, you must immediately discontinue use of the Site and Services.

Disclaimer of Warranties

The Site, Services, all content, digital materials, software, tools, products, and any secondary services offered through Midlife Solutions are provided on an “as is” and “as available” basis. Midlife Solutions and Karen Martel make no representations, warranties, guarantees, or conditions of any kind, whether express, implied, legal, or statutory.

This includes, without limitation, any implied warranties or conditions of:

merchantable quality
fitness for a particular purpose
non-infringement
error-free operation
uninterrupted access
accuracy or reliability of results
data security
completeness, currency, or timeliness of information

We do not warrant that:

the Service will operate without errors or interruptions,
any defects will be corrected,
the Site or the servers that host it are free of viruses or harmful components,
content, tools, links, data, or functionalities provided by third parties are correct, secure, or reliable.

All warranties are disclaimed to the maximum extent permitted by applicable law.

Midlife Solutions does not guarantee that any information accessible through the Site—including educational content, coaching, tools, nutritional data, recommendations, or resources—is accurate, complete, or current. Use of all content is at your own discretion and risk.

Nutritional Information Disclaimer

Nutritional information provided within the OnTrack program or elsewhere on the Site is offered as a courtesy onlyand should not be considered guaranteed or definitive. Nutritional values are pulled from publicly available databases, including the USDA Food Composition Database (SR28), and are approximations.

Actual nutritional values may vary based on:

ingredient brand
ingredient processing
cooking method
preparation variation
measurement inaccuracies

You are responsible for verifying nutritional information when precision is required, particularly for medical, dietary, or allergy-related considerations.

Recipes and meal plans provided through the Service have not been professionally evaluated by a registered dietitian or laboratory, and values provided may not be 100% accurate. Percentage daily values are based on a 2,000-calorie diet unless stated otherwise.

Limitations of Liability

Under no circumstances shall Midlife Solutions, Karen Martel, or any of their affiliates, employees, contractors, consultants, agents, or representatives be liable for any direct, indirect, incidental, consequential, punitive, exemplary, aggravated, or special damages of any kind. This includes, without limitation:

loss of profits or revenue
loss of data
loss of business or goodwill
property damage
personal injury
third-party claims
service interruptions
technical failures
unauthorized access to accounts
viruses or harmful code
inability to use the Site or Service

This limitation applies whether the claim arises from breach of contract, tort, negligence, strict liability, civil liability, or any other legal theory, even if Midlife Solutions has been advised of the possibility of such damages.

You acknowledge and agree that:

You are solely responsible for any harm, damages, losses, injuries, or issues that arise from your use of the Site, Services, or content.
Midlife Solutions is not responsible for content posted by users, including offensive, inaccurate, defamatory, harmful, or unlawful material.
Midlife Solutions is not liable for conduct by other users, members, or third parties.
Use of the Site and Services is entirely at your own risk.

Where applicable law does not allow exclusion of certain liabilities, Midlife Solutions’ liability shall be limited to the maximum extent permitted by law.

By purchasing any products referenced, recommended, or discussed through Midlife Solutions, Karen Martel, or any affiliated team members, you acknowledge and agree to the following terms:

Third-Party Products (Peptides, Prescription Medications, Supplements)

Any acquisition of peptides, prescription medications, supplements, or related compounds through third-party vendors, pharmacies, or prescribing partners is solely the responsibility of the purchaser. These products are not manufactured, distributed, or sold by Karen Martel, Midlife Solutions, or any team member.

We disclaim all responsibility for:

the quality, purity, or accuracy of any third-party products,
the availability or fulfillment of these products,
the purchaser’s use, misuse, or handling of such products.

Peptide companies and related vendors typically sell research-use-only products and may refuse sales to individuals suspected of improper use. Any use of research-grade products outside of their designated research intent is a violation of the vendor’s terms and is undertaken at your own risk.

Under no circumstance shall Midlife Solutions, Karen Martel, or any team member be liable for direct, indirect, incidental, or consequential damages arising from the purchase, handling, or use of these third-party products. By purchasing such items, you agree to indemnify and hold harmless Karen Martel and Midlife Solutions from any claims, losses, or liabilities associated with their acquisition or use.

Midlife Solutions OTC Products (Cosmetic Hormone Creams, Serums, Oils, and Supplements)

Our branded topical creams, beauty serums, oils, supplements, and related wellness products are cosmetic and/or nutritional products only. They are not prescription medications and are not intended to diagnose, treat, cure, or prevent any disease.

This includes, but is not limited to:

Estro Rejuvenation
Estrogen Vitality Oil
Estro 2 Rejuvenation
Progest Calm
Progest Sleep
Velvet V
Any additional cosmetic hormone-containing products, oils, or skincare items

These products contain USP-grade ingredients formulated for topical cosmetic use, not systemic hormone replacement therapy.
We do not guarantee or imply that these products will:

raise or alter estrogen, progesterone, testosterone, DHEA, or any other hormone levels,
resolve medical symptoms,
replace prescription HRT,
provide therapeutic outcomes.

We are not physicians and do not offer medical advice. Any guidance provided by Karen Martel or team members is educational only and should not be interpreted as a medical recommendation.

Customers are strongly encouraged to:

review all product ingredients,
research potential benefits and risks,
consult with their prescribing provider or physician prior to use,
obtain hormone testing when applicable to ensure safe, informed decision-making.

User Responsibility

By purchasing any product mentioned or discussed by Karen Martel or Midlife Solutions, you acknowledge that:

You are solely responsible for determining appropriateness of use.
You understand the intended purpose of each item, including any research-use-only designations.
You have sufficient knowledge and/or have consulted an appropriate professional prior to purchase.

Midlife Solutions provides general educational information only and does not assume responsibility for product misuse or misunderstanding.

Indemnification

You agree to indemnify, defend, and hold harmless Midlife Solutions, Karen Martel, Martel Media 1718, and all of their respective affiliates, employees, contractors, agents, representatives, and service providers from and against any and all claims, demands, liabilities, losses, damages, costs, or expenses of any kind—including, without limitation, legal fees and court costs—arising out of or connected to:

Your breach of these Terms or any applicable laws or regulations;
Your use or misuse of the Site or Services, including any content, materials, or information you submit, upload, transmit, or share;
Any claim that your content infringes upon the intellectual property or proprietary rights of any third party;
Any activity conducted under your account, whether authorized by you or not.

This indemnification obligation continues to apply even after your access to the Site or Services has ended.

Termination

Midlife Solutions and Karen Martel reserve the right, at their sole discretion and without prior notice, to suspend, restrict, or terminate your access to the Site or Services at any time. Grounds for termination may include, but are not limited to:

violation of these Terms,
inappropriate or unlawful conduct,
misuse of the Services or content,
any behavior deemed harmful to other users, the platform, or the business.

Upon termination, you must immediately cease all use of the Site and Services, and Midlife Solutions may revoke access to any associated accounts or materials. Termination does not limit or waive any other rights or remedies available to Midlife Solutions under applicable law.

Governing Law

These Terms, and all disputes or claims arising out of or relating to them, shall be governed by and construed in accordance with the laws of the Province of British Columbia, and where applicable, the laws of Canada.

You agree that any legal action, claim, or proceeding relating to these Terms or your use of the Site or Services shall be brought exclusively in the courts of the Province of British Columbia. You irrevocably submit to the jurisdiction of those courts and waive any objection based on venue or inconvenient forum.

Coaching

Purpose of Coaching
Nutritional and peri/post-menopausal coaching offered through Midlife Solutions is intended to support overall health, vitality, and well-being through education about nutrition, hormones, menopause, and supportive lifestyle practices. Coaching may include general recommendations regarding diet, natural foods, nutritional supplements, peptides, and non-prescription hormone education.
Coaching is not medical care, and no diagnosis, treatment, or disease management is provided.
Professional Status
Karen Martel, Certified Hormone Specialist & Nutrition Coach, is not a licensed Dietitian, Naturopathic Doctor, Medical Doctor, or other regulated healthcare provider. All coaching is educational in nature and is not intended to replace medical advice or medical care.
Information You Provide
You may be asked to share information about your health history, lifestyle, habits, symptoms, energy levels, preferences, and goals. This information is collected solely for the purpose of:
- assessing your current understanding of nutrition and hormone health,
- providing education about hormonal balance, menopause, peptides, and nutrition,
- suggesting general dietary and lifestyle strategies to support overall well-being.
All information shared will be kept confidential except where disclosure is required by law.
Suspected Health Concerns
If during coaching there are indications of a possible disease, disorder, or medical condition, you may be advised to seek evaluation from a licensed Physician or Naturopath. This is not a medical diagnosis. It is your responsibility to seek appropriate medical evaluation for any suspected concerns.
Disclosure of Medical Conditions
If you request guidance related to a known health condition, you must disclose that condition and any relevant details. If you have not already consulted a healthcare provider about the condition, you are encouraged to do so immediately. You must not alter or discontinue any prescribed treatments without consulting your prescribing practitioner.
Accuracy of Information
Coaching recommendations rely on the accuracy and completeness of the information you provide. Any changes you make to your diet, supplements, or lifestyle are undertaken voluntarily and at your own discretion.
Limitation of Liability
Karen Martel and Midlife Solutions are not liable for any aspect of your health or safety. You acknowledge that implementing any educational information, dietary strategies, or supplement recommendations is your sole responsibility.
Assumption of Risk & Release of Liability
By participating in coaching services, you voluntarily assume all risks associated with such participation, including the risk of injury, illness, or adverse reaction. You release and discharge Karen Martel, Midlife Solutions, and all representatives from any and all claims, demands, causes of action, damages, or liabilities arising from your use of coaching services, whether caused by negligence or otherwise.
Scope of Services
All services provided are for educational purposes only and are not a substitute for professional medical care. If a concern falls outside the scope of coaching, an appropriate referral may be recommended. You accept full responsibility for all outcomes related to your participation.
Educational Purpose Only
All information provided is intended to share research, experience, and general knowledge regarding hormones, peptides, nutrition, and menopause. You are encouraged to make healthcare decisions in partnership with a qualified healthcare professional of your choosing.
Prescriptions
Karen Martel does not prescribe medication. Any prescriptions must be obtained through a licensed medical provider willing to collaborate as needed.

General

These Terms constitute the entire agreement between you and Midlife Solutions regarding your use of the Site and Services and supersede all prior agreements, understandings, or discussions, whether written or verbal.

No delay or failure by either party to exercise any right or remedy shall operate as a waiver of that right or remedy. Partial or single exercise of any right does not prevent future exercise of that or any other right.

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be severed and the remainder of the Terms shall remain in full force and effect.

By using the Site or Services, you acknowledge that you have read, understood, and agreed to these Terms, and that these Terms are provided in the English language only.

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