TERMS & CONDITIONS

Last Updated: August 2026
 
These Website Terms and Conditions ("Terms") outline the terms of use for the website www.michaloshman.com (referred to as "us," "we," or "our"). By accessing and using our website, you agree to comply with these Terms. Please read them carefully before using our website.
 
1. Acceptance of Terms

By using our website, you acknowledge that you have read, understood, and agree to abide by these Terms. If you do not agree with these Terms, please do not use our website.
 
2. Use of the Website

You agree to use our website only for lawful purposes and in a manner consistent with these Terms. You will not use our website in any way that could damage, disable, overburden, or impair our website or interfere with any other party's use and enjoyment of our website.
 
3. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, videos, and software, is protected by intellectual property laws and is the property of [Your Company Name] or its licensors. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our prior written consent.
 
4. User-Generated Content

If you submit content to our website, including comments, reviews, or other contributions, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, distribute, modify, and publicly display that content on our website and in our promotional materials.
 
5. Privacy

Your use of our website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our website, you consent to the practices described in the Privacy Policy.
 
6. Links to Third-Party Websites
 
Our website may contain links to third-party websites for your convenience. We do not endorse or have control over the content of these linked websites. You access these third-party websites at your own risk and subject to their terms and policies.
 
7. Disclaimers

a. Our website is provided "as is" and "as available," without any warranties or representations, whether express or implied. We do not warrant that our website will be error-free, uninterrupted, secure, or suitable for your needs.
b. We do not endorse or make any representations regarding the accuracy, completeness, or reliability of any content on our website or obtained through links.
 
8. Limitation of Liability

In no event shall [Your Company Name] or its officers, directors, employees, or affiliates be liable for any indirect, consequential, incidental, punitive, or special damages arising out of or in connection with your use of our website or reliance on any content.
 
9. Indemnification

You agree to indemnify and hold [Your Company Name] and its affiliates, officers, directors, and employees harmless from any claims, damages, liabilities, and expenses arising from your use of our website or any violation of these Terms.
 
10. Changes to Terms

We reserve the right to modify these Terms at any time. The updated Terms will be posted on our website, and your continued use of our website after the changes are posted will signify your acceptance of the updated Terms.
 
11. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law principles.
 
12. Contact Us

If you have any questions or concerns about these Terms, please contact us at info@michaloshman.com .
By using our website, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, please do not use our website.