Terms & Conditions

A legal disclaimer

Terms and Conditions for Hints4Life Coaching & Development

Last Updated: 12 Jun 2025

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1. Introduction

These Terms and Conditions ("Terms") govern your use of the "Hints4Life Coaching & Development" website https://www.hcd-cw.com and services. By accessing our services, you agree to comply with these Terms. If you disagree, please refrain from using our services.

Registered Entity:

Hints4Life Coaching & Development

Registered in "Curaçao" under KVK163783

Address: Paseata Business Center 194-C

Email: support@hcd-cw.com

2. Services Offered

We provide:

- Life coaching (personal development, purpose discovery), Career coaching ,Financial coaching and Nutrition coaching

- Psychological support from professional psychologists.

Disclaimer:

- Our services "do not replace"

professional medical/psychiatric care.

- In emergencies, contact local authorities "(e.g., Curaçao Emergency Services: 911)".

3. User Responsibilities

You agree to:

- Provide accurate information when using our services.

- Not misuse the chatbox (e.g., harassment, spam, illegal content).

- Respect confidentiality—do not disclose others’ personal information.

4. Payments & Refunds

- Payment Processor: All transactions are secured via "CXPay".

- Currency: Fees are listed in "USD".

- Refund Policy: Refer to our separate [Refund Policy].

5. Confidentiality & Data Protection

- Sessions: Confidential, except where Curaçao law requires disclosure (e.g., harm to self/others).

- GDPR Compliance: While Curaçao is not in the EU, we adhere to international privacy best practices.

6. Intellectual Property

- All website content (logos, text, graphics,programs,courses) is owned by "Hints4Life Coaching & Development".

- Unauthorized use (e.g., copying, reselling) is prohibited.

7. Limitation of Liability

We are "not liable" for:

- Indirect damages (e.g., emotional distress, lost opportunities).

- Technical issues beyond our control (e.g., CXPay outages, internet failures).

8. Governing Law & Dispute Resolution

- These Terms are governed by the "laws of Curaçao".

- Disputes will be resolved through "mediation in Curaçao" before litigation.

9. Termination

We may suspend/terminate access for:

- Violations of these Terms.

- Fraudulent or harmful behavior.

10. Changes to Terms

Updates will be posted here with a new "Last Updated" date. Continued use constitutes acceptance.

11. Contact Us

For questions or disputes: