Terms of Use — Life & Money Online

Last updated: September 21, 2025

Contact: malhih@yandex.com

1. Acceptance of Terms

By accessing or using Life & Money Online (the “Site”), you agree to these Terms of Use. If you do not agree, do not use the Site.

2. Informational Purposes Only

All content is provided for general informational purposes only. It is not professional advice (legal, financial, medical, or otherwise). Reliance on information is at your own risk.

3. Limitation of Liability

Life & Money Online is not liable for any damages (direct, indirect, incidental, consequential, or special) arising from the use of or inability to use the Site.

4. Advertisements and Third-Party Links

The Site may contain ads and links to third-party websites. We are not responsible for external content or services.

5. Intellectual Property

All original content belongs to Life & Money Online or is used under license. Unauthorized copying or redistribution is prohibited.

6. User Content

By submitting content, you grant us a worldwide, royalty-free license to use, reproduce, and publish it.

7. Privacy and Cookies

By using the Site, you consent to our Privacy Policy and cookie practices.

8. Age Restrictions

The Site is intended for users 13+ (or the minimum legal age in your jurisdiction).

9. Modifications

We may update these Terms at any time. Continued use means acceptance of changes.

10. Termination

We may suspend or terminate access without notice for violations of these Terms.

11. Copyright Infringement

To report copyright violations, contact us at malhih@yandex.com.

12. Indemnification

You agree to indemnify and hold harmless Life & Money Online from claims arising from your use of the Site.

13. Governing Law

These Terms are governed by the laws of the United States.