Last Updated: 15/11/2025

By using this website, you agree to the following Terms & Conditions. These terms apply to all visitors, readers, and individuals who access or use this site.

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1. Acceptance of Terms

By accessing and using my personal blog or services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

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2. Website Use

You agree to use this website for lawful and respectful purposes only.

You may not:

• Violate any laws

• Interfere with website functionality

• Engage in malicious activities

• Copy or misuse content without permission

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3. Personal Content & Intellectual Property

All content on this website—including my writings, images, ideas, blog posts, advice, and designs—belongs to me unless stated otherwise.

You may not:

• Copy

• Reproduce

• Republish

• Modify

• Distribute

any content without my written permission.

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4. Personal Services & Consultations

If I offer any personal services—such as consultations, coaching, or appointments—you understand that:

• Availability may vary

• Fees (if any) must be paid as specified

• Results are not guaranteed

• All guidance is based on my personal experience and knowledge

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5. Payments & Refunds

If you purchase any service or digital content:

• All payments must be made on time

• Fees are normally non-refundable unless specifically mentioned

• Missed sessions without notice may be counted as completed

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6. Disclaimer

All advice, content, and opinions shared on this website are based on my personal experience, knowledge, and perspectives. They should not be considered:

• Professional legal advice

• Financial guarantees

• Medical or psychological advice

You are responsible for your own decisions and actions.

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7. Limitation of Liability

I am not responsible for:

• Losses or damages resulting from using my content

• Outcomes of decisions made based on my guidance

• Technical issues, interruptions, or website errors

Your use of this website is solely at your own risk.

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8. Third-Party Links

My blog may include links to other websites or resources.

These are provided for convenience only.

I am not responsible for:

• Their content

• Their privacy policies

• Any interactions you have with them

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9. Termination of Access

I may suspend or restrict access to the website for users who violate these terms.

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10. Governing Law

These Terms & Conditions are governed by the laws applicable in your region.