Last updated 4 November 2026

Disclaimer

What our courses and our content are, and what they are not. Please read it together with our Terms of use.

Education, not advice

Everything we publish, on this site, on Udemy and on social media, is general education. It is not medical, psychological, therapeutic, financial, investment, legal, tax or regulatory advice for your personal situation. Taking a course or reading our content does not make us your doctor, therapist, advisor or lawyer.

For a decision about your health, your money, your business or a legal matter, talk to a qualified professional who knows your situation.

Who we are, and who we are not

We teach from our own training and work: Mădălina from her years in banking KYC and AML, Alex from sales, real estate, compliance and anti-fraud inspection. Both of us are certified adult trainers, coaches and personal development counsellors.

We are not doctors, psychologists, psychotherapists, lawyers or licensed financial advisors, and we do not present ourselves as such.

Health and wellbeing content

Calm Your Anxiety & Stress, EQ Mastery and our other wellbeing content teach everyday practices: breathing, body awareness, communication and routines. They do not diagnose, treat or cure any condition and do not replace medical or psychological care. Do not stop or change a treatment or a medication because of something you learned from us.

Some breathing practices can make you feel dizzy or light-headed. Do them sitting or lying down, and stop if you feel unwell. If you are pregnant or have a heart, lung or other medical condition, ask your doctor before you start.

If you are in crisis or thinking about harming yourself, contact your local emergency number now.

Financial crime and compliance content

The AML & KYC Masterclass and our other compliance content explain how financial crime, customer checks and the rules around them work. Laws, regulator guidance and bank procedures differ from country to country and change over time. What we teach reflects our understanding at the time we recorded it. It does not replace the official texts, your employer's procedures, your compliance officer or a lawyer.

We teach how to recognise and prevent financial crime. Nothing we publish is meant to help anyone avoid or get around checks.

No guaranteed results

The examples and stories we share come from our own life and work. They show what happened to us, not what will happen to you. What you get from a course depends on your situation and on how you apply it. We do not promise any health, financial, career or relationship outcome.

Udemy

Our courses are sold and delivered on Udemy. We are independent instructors; Udemy does not own, review or endorse this site. The course links on this site carry our instructor referral code. It changes how the revenue from a sale is shared between Udemy and us, not the price you pay.

Affiliate links

Some links on our Tools we use page are affiliate links. If you sign up or buy through them, we may earn a commission, at no extra cost to you. We list only tools we use in our own work.

AI-generated video

Some of our videos use AI-generated avatars and voices of the instructors. The ideas, the examples and the exercises are ours.

Accuracy

We check what we publish, but mistakes can happen and information can go out of date. If you find an error, write to us at happinesshealthwealthacademy@gmail.com and we will correct it.

Your decisions

You decide how you use what you learn, and those decisions are yours. To the extent the law allows, we are not liable for loss or harm that comes from applying our content to your situation without the professional advice it needs. Nothing in this disclaimer limits your rights as a consumer under the law that applies to you.