1. General Disclaimer
The information provided on Olen By Hania is for general informational and educational purposes only. While we make every effort to keep the information accurate, complete, and up-to-date, we make no representations or warranties of any kind — express or implied — about the accuracy, reliability, suitability, or availability of the information, products, services, or related content contained on this website for any purpose. Any reliance you place on such information is strictly at your own risk.
2. Not Financial or Investment Advice
Olen By Hania is not a registered investment advisor, broker-dealer, financial planner, or financial institution. The financial content on this website — including articles on budgeting, investing, savings accounts, credit scores, retirement accounts, debt payoff, and any other money-related topics — is provided for general educational purposes only.
Financial products, interest rates, contribution limits, income thresholds, tax rules, and market conditions change frequently. Information that was accurate at the time of publication may no longer reflect current conditions. Before making any financial decisions — including but not limited to opening investment accounts, making retirement contributions, taking out loans, or managing debt — please consult a licensed Certified Financial Planner (CFP), Registered Investment Advisor (RIA), or other qualified financial professional who can evaluate your specific financial situation.
Past performance of any investment, savings product, or financial strategy discussed on this website does not guarantee future results. All investments involve risk, including the possible loss of principal.
3. Not Medical or Health Advice
Health and fitness articles on Olen By Hania — including content about weight loss, nutrition, exercise, mental health, anxiety, sleep, supplements, and any other health-related topics — are provided for general informational and educational purposes only. This content does not constitute medical advice and should not be used to self-diagnose, self-treat, or replace the professional opinion of a licensed physician, dietitian, therapist, or other qualified healthcare provider.
Always seek the advice of your physician, mental health provider, or other qualified healthcare professional with any questions you may have regarding a medical condition, dietary change, exercise program, supplement use, or mental health concern. Never disregard professional medical advice or delay seeking it because of something you have read on this website.
If you are experiencing a medical emergency or mental health crisis, call 911 or contact the 988 Suicide and Crisis Lifeline (call or text 988) immediately. Do not rely on this website for emergency guidance.
4. Not Legal or Tax Advice
Nothing on Olen By Hania constitutes legal advice, tax advice, or accounting advice. Any content that touches on legal matters (such as debt collection laws, consumer rights, or financial regulations) or tax matters (such as IRS contribution limits, tax-advantaged accounts, or deduction eligibility) is provided for general educational purposes only and should not be relied upon as legal or tax guidance specific to your situation.
Tax laws and regulations are complex and subject to change. Always consult a licensed attorney, Certified Public Accountant (CPA), or Enrolled Agent (EA) for advice specific to your legal or tax situation before making decisions based on any information published on this website.
5. Affiliate Links and Advertising Disclosure
In compliance with the Federal Trade Commission (FTC) guidelines, Olen By Hania discloses that this website displays advertisements through Google AdSense and may contain affiliate links to third-party products and services. If you click on an affiliate link and make a purchase, we may receive a small commission at no additional cost to you.
The presence of advertisements or affiliate links does not influence our editorial decisions. We do not recommend products or services in exchange for payment, and all editorial opinions expressed on this website are our own. We only recommend or mention products and services that we believe may be genuinely useful to our readers based on our research.
6. Third-Party Content and External Links
Our website may reference or link to third-party websites, research studies, government publications, and other external sources. These references are provided for informational purposes and do not constitute an endorsement of the linked source or its content. We have no control over the accuracy, completeness, or ongoing availability of third-party content and accept no responsibility for any information published by external sources.
7. Accuracy and Timeliness of Information
We strive to keep all content on Olen By Hania accurate and current. However, financial data (such as interest rates, APY, and IRS limits), health research, and regulatory information change over time. We update our articles regularly but cannot guarantee that all information is current at the specific time you read it. Always verify critical information — particularly financial rates, tax contribution limits, and medical guidance — directly with the relevant official source before acting on it.
8. Limitation of Liability
In no event shall Olen By Hania, its authors, contributors, or operators be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, your reliance on any content published here, or any decisions made based on information found on this site. This includes but is not limited to financial losses, investment losses, missed opportunities, health outcomes, or any other damages of any nature.
Your use of this website constitutes your agreement to this limitation of liability. If you do not agree with this limitation, please discontinue your use of this website.
9. Updates to This Disclaimer
We reserve the right to update this Disclaimer at any time. When we make changes, the "Last Updated" date at the top of this page will be revised accordingly. Your continued use of Olen By Hania following any changes to this Disclaimer constitutes your acceptance of the updated terms.
10. Contact Us
If you have any questions about this Disclaimer or any content on our website, please contact us through our Contact Us page. We welcome feedback and are committed to transparency with our readers.
Olen By Hania
www.olenbyhania.com
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