Please read these terms carefully. By accessing or using CarnegienFreedom, you agree to follow these Terms of Service. If you do not agree, please do not use the website.
1. About These Terms
These Terms of Service govern your access to and use of the CarnegienFreedom website, including its articles, educational resources, downloadable materials, and related features (together, the "Service").
CarnegienFreedom is an educational information platform. It is not a bank, lender, investment adviser, employment agency, legal adviser, or financial adviser.
2. Eligibility and Responsible Use
You may use the Service only where permitted by applicable law. You are responsible for using the website honestly, responsibly, and in a way that does not harm other users or the operation of the Service.
You must not attempt to gain unauthorised access, introduce malicious code, interfere with the Service, abuse automated requests, impersonate another person, or use our content to facilitate fraud or unlawful activity.
3. Educational Content and No Professional Advice
Our content is provided for general educational and informational purposes. It is not personalised financial, legal, tax, employment, medical, or investment advice, and it does not create a professional relationship between you and CarnegienFreedom.
You should independently verify important information and obtain advice from a qualified professional who understands your circumstances before making a financial, legal, employment, or business decision.
4. No Guaranteed Outcomes
We do not guarantee income, employment, business performance, savings, investment returns, or any other result. Individual outcomes depend on many factors, including your skills, decisions, resources, location, and circumstances.
References to opportunities, tools, examples, or experiences are not endorsements or promises that the same result will be available to you.
5. Intellectual Property
Unless stated otherwise, the website design, branding, original text, graphics, and other materials are owned by or licensed to CarnegienFreedom. All rights not expressly granted in these terms are reserved.
You may view, download, and share links to our public educational materials for personal, non-commercial use. You must not reproduce, modify, sell, republish, or distribute our materials as your own without written permission.
6. User Submissions
If you send us a message, suggestion, or other material, you confirm that you have the right to provide it and that it does not contain unlawful, confidential, or harmful content. Do not submit passwords, payment details, or sensitive personal information through ordinary contact channels.
You grant us permission to use non-confidential feedback to improve the Service, without creating an obligation to publish or compensate you for that feedback.
7. Third-Party Services and Links
The Service may contain links to third-party websites, tools, or resources. These are provided for convenience and do not mean that CarnegienFreedom endorses or controls them.
Third-party services have their own terms, privacy policies, availability, and security practices. Review them before using those services or sharing information with them.
8. Privacy and Cookies
Our handling of personal data is described in the Privacy Policy. Our use of cookies and similar technologies is described in the Cookie Policy.
You can manage your cookie preferences at any time by using the cookie settings link.
9. Availability and Changes to the Service
We may update, suspend, restrict, or discontinue any part of the Service without notice. We aim to keep the website useful and available, but we do not promise uninterrupted access, complete accuracy, or error-free operation.
10. Disclaimers
To the extent permitted by law, the Service and its content are provided on an "as available" and "as is" basis. We make no warranties about suitability, reliability, availability, accuracy, or fitness for a particular purpose.
Nothing in these terms excludes or limits a legal right or liability that cannot lawfully be excluded or limited.
11. Limitation of Liability
To the extent permitted by applicable law, CarnegienFreedom will not be liable for indirect, incidental, special, consequential, or economic losses arising from your use of, or inability to use, the Service or your reliance on its content.
12. Indemnity
To the extent permitted by law, you agree to reimburse CarnegienFreedom for reasonable losses, claims, costs, and expenses resulting from your unlawful use of the Service, violation of these terms, or infringement of another person's rights.
13. Changes to These Terms
We may revise these terms as the Service, our practices, or applicable requirements change. The updated version will be posted on this page with a revised date. Your continued use of the Service after an update means that you accept the revised terms.
14. Governing Law
These terms are intended to be interpreted under the laws applicable to CarnegienFreedom's operations, subject to any mandatory consumer protections that apply in your place of residence.
15. Contact Us
Questions about these Terms of Service can be sent to hello@carnegienfreedom.com.