1. Acceptance of Terms
By accessing and using this website, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms apply to all visitors, readers, and users of Olen By Hania. We reserve the right to update or change these Terms at any time without prior notice. Your continued use of the website following any changes constitutes your acceptance of the revised Terms.
2. Nature of Content — Informational Only
All content published on Olen By Hania — including articles, guides, tips, tables, comparisons, and any other written material — is provided for informational and educational purposes only. Nothing on this website constitutes professional financial advice, investment advice, legal advice, medical advice, tax advice, or any other form of professional advice.
We are not licensed financial advisors, certified financial planners, registered investment advisors, attorneys, certified public accountants, or licensed healthcare providers. The content we publish reflects our research and editorial judgment but should never be relied upon as a substitute for personalized professional advice from a licensed expert who understands your specific circumstances.
Always consult a qualified professional — such as a Certified Financial Planner (CFP), licensed accountant, attorney, or licensed physician — before making any significant financial, legal, tax, or health decisions. Past performance of any financial product or investment strategy discussed on this site does not guarantee future results.
3. Accuracy of Information
We make every reasonable effort to ensure that the information published on Olen By Hania is accurate, current, and complete at the time of publication. However, we make no warranties or representations — express or implied — regarding the accuracy, completeness, reliability, suitability, or availability of any information, products, services, or related content on our website.
Financial data such as interest rates, APY figures, contribution limits, and income thresholds change frequently. Health research evolves continuously. Always verify any specific figures, rates, or data directly with the relevant institution, government agency, or healthcare provider before making decisions based on that information. We update our content regularly but cannot guarantee all information is current at any given moment.
4. Intellectual Property and Copyright
All original content on Olen By Hania — including but not limited to articles, text, images, graphics, layout, and design — is the intellectual property of Olen By Hania and is protected by applicable copyright and intellectual property laws. You may not reproduce, republish, distribute, transmit, modify, adapt, or create derivative works from any content on this website without our prior written permission.
You may share links to our articles on social media or other platforms, and you may quote brief excerpts for commentary or educational purposes with proper attribution and a link back to the original article. Any use of our content beyond these limitations requires explicit written permission from Olen By Hania.
5. Third-Party Links and Resources
Our website contains links to third-party websites, tools, resources, and external services for your convenience and reference. These links do not constitute an endorsement of the linked site, its content, products, or services. We have no control over the content, accuracy, or practices of third-party websites and accept no responsibility for any harm or loss resulting from your use of third-party links.
When you click a link to an external website, you leave Olen By Hania and are subject to the privacy policies and terms of that external site. We encourage you to review the terms and privacy policies of any third-party website you visit.
6. Advertising — Google AdSense
Olen By Hania is monetized in part through Google AdSense, a third-party advertising program operated by Google LLC. Google AdSense may display advertisements on our pages that are tailored to your interests based on your browsing behavior and other data. The appearance of an advertisement on our website does not constitute our endorsement of the advertised product or service.
We have no control over the specific advertisements displayed by Google AdSense and accept no responsibility for the accuracy or content of those advertisements. Interactions with advertisements are solely between you and the advertiser. For more information on how Google uses data in connection with advertising, please visit Google's Partner Sites Policy.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Olen By Hania and its authors, editors, and contributors shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of this website, reliance on any content published here, or any errors or omissions in our content. This includes, without limitation, any financial losses, investment losses, health consequences, or any other damages resulting from decisions made based on information published on this site.
Your use of this website and reliance on any information provided is entirely at your own risk.
8. User Conduct
By using our website, you agree not to: use the website for any unlawful purpose; attempt to gain unauthorized access to any part of our website or its systems; submit false, misleading, or harmful content through any contact forms; scrape, crawl, or harvest content from our website in an automated manner without our written permission; or interfere with the proper functioning of the website in any way.
9. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the United States. Any disputes arising out of or relating to these Terms or your use of this website shall be subject to the exclusive jurisdiction of courts located in the United States.
10. Changes to These Terms
We reserve the right to modify or replace these Terms and Conditions at any time at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page. It is your responsibility to review these Terms periodically. Your continued use of the website following any changes constitutes your acceptance of the new Terms.
11. Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us through our Contact Us page.
Olen By Hania
www.olenbyhania.com
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