Last updated: [August 18, 2026]
These Terms and Conditions ("Terms") govern your use of Hartwell Cole (hartwellcole.blogspot.com) (the "Site"). By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Content and Use
All content published on this Site — including articles, guides, graphics, and images — is provided for general informational and educational purposes only. You may read, share, and link to this content, but you may not republish, reproduce, or redistribute substantial portions of it without prior written permission.
2. Not Professional Advice
Nothing on this Site constitutes financial, legal, tax, or professional advice. Content related to budgeting, saving, investing, or money management reflects general information and personal opinion, not a recommendation tailored to your individual circumstances. Always consult a qualified professional before making financial decisions.
3. No Guarantees
While we aim for accuracy, we make no warranties or guarantees about the completeness, reliability, or accuracy of any information on this Site. Any action you take based on content found here is strictly at your own risk. Financial outcomes vary by individual and are never guaranteed.
4. Third-Party Links and Affiliate Disclosure
This Site may contain links to third-party websites or products, including affiliate links. If you click an affiliate link and make a purchase, we may earn a commission at no additional cost to you. We only recommend products or services we believe may be genuinely useful to readers, but we are not responsible for the content, accuracy, or practices of any third-party site.
5. User Conduct
When commenting or interacting on this Site, you agree not to post content that is unlawful, abusive, defamatory, spammy, or infringes on the rights of others. We reserve the right to remove any comment or content that violates these Terms, at our sole discretion.
6. Intellectual Property
Unless otherwise noted, all original content, graphics, and branding on this Site are the property of Hartwell Cole. Third-party trademarks, logos, or referenced brand names remain the property of their respective owners.
7. Limitation of Liability
To the fullest extent permitted by law, Hartwell Cole and its author shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site or its content.
8. Changes to These Terms
These Terms may be updated periodically without prior notice. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The "last updated" date at the top of this page reflects the most recent revision.
9. Governing Law
These Terms are governed by and construed in accordance with applicable local law, without regard to conflict of law principles.
10. Contact Us
If you have questions about these Terms, contact us at hello@hartwellcole.com.