Terms of Service

Effective Date: January 15, 2024
Last Updated: January 15, 2024

These Terms of Service ("Terms") govern your use of the andrewkoski.com website and any related services provided by Andrew Koski ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms.

Acceptance of Terms

By accessing, browsing, or using andrewkoski.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website.

Age Requirements

You must be at least 13 years old to use our website
If you are between 13 and 18 years old, you must have parental or guardian consent
By using our website, you represent that you meet these age requirements

Description of Service

andrewkoski.com is a personal blog and information website that provides:

Travel Content: Personal travel experiences, destination guides, and travel tips
Cryptocurrency Analysis: Educational content about cryptocurrency markets and trends
Personal Updates: Life updates, experiences, and personal insights
Newsletter Service: Optional email newsletter with curated content
Contact Services: Ability to contact us through our contact form

User Conduct and Responsibilities

Acceptable Use

When using our website, you agree to:

Use the website for lawful purposes only
Respect intellectual property rights
Provide accurate information when contacting us
Maintain the security of any account credentials
Report any security vulnerabilities or issues

Prohibited Activities

You may not:

Use the website for any illegal or unauthorized purpose
Attempt to gain unauthorized access to our systems
Distribute malware, viruses, or harmful code
Engage in spamming or unsolicited communications
Harass, abuse, or harm other users or us
Violate any applicable laws or regulations
Scrape, crawl, or automatically extract content without permission
Impersonate us or any other person or entity

Intellectual Property Rights

Our Content

All content on andrewkoski.com, including but not limited to:

Text, articles, and blog posts
Images, photographs, and graphics
Videos and multimedia content
Website design and layout
Logos, trademarks, and branding

is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws.

License to Use

We grant you a limited, non-exclusive, non-transferable license to:

Access and view content for personal, non-commercial use
Share links to our content on social media
Quote brief excerpts with proper attribution
Print content for personal reference

Restrictions

You may not:

Reproduce, distribute, or republish our content without permission
Use our content for commercial purposes without authorization
Remove or modify copyright notices or attributions
Create derivative works based on our content
Use our trademarks or branding without permission

User-Generated Content

Content Submission

When you submit content through our contact form or other means:

You retain ownership of your content
You grant us a license to use, display, and respond to your content
You represent that you have the right to submit the content
You agree that the content does not violate any laws or third-party rights

Content Standards

Any content you submit must:

Be truthful and accurate
Not violate any laws or regulations
Not infringe on third-party rights
Not contain harmful or malicious code
Be appropriate and respectful

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Data Collection

We collect information as described in our Privacy Policy, including:

Information you provide directly (contact forms, newsletter subscriptions)
Automatically collected information (usage data, analytics)
Cookies and tracking technologies

Data Use

We use your information to:

Provide and improve our services
Communicate with you
Analyze website usage and performance
Comply with legal obligations

Disclaimers and Limitations

Content Disclaimer

The information on andrewkoski.com is provided for general informational purposes only. We make no representations or warranties about:

Accuracy: Content accuracy, completeness, or timeliness
Investment Advice: Cryptocurrency content is educational, not investment advice
Travel Information: Travel conditions, safety, or recommendations
Personal Experiences: Individual results may vary

No Professional Advice

Content on our website does not constitute:

Financial, investment, or legal advice
Professional travel or safety recommendations
Medical or health advice
Tax or accounting guidance

Always consult qualified professionals for specific advice related to your situation.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for:

The content or practices of linked websites
The availability or functionality of external sites
Any damages resulting from your use of third-party sites

Limitation of Liability

To the fullest extent permitted by law:

Exclusion of Damages

We shall not be liable for any:

Indirect, incidental, or consequential damages
Lost profits, revenue, or business opportunities
Data loss or corruption
Personal injury or property damage
Damages resulting from third-party actions

Maximum Liability

Our total liability to you for any claims arising from your use of our website shall not exceed $100 or the amount you paid us in the 12 months preceding the claim, whichever is greater.

Basis of the Bargain

These limitations are fundamental elements of the basis of the bargain between you and us.

Indemnification

You agree to indemnify, defend, and hold harmless andrewkoski.com, Andrew Koski, and our affiliates from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from:

Your use of our website
Your violation of these Terms
Your violation of any third-party rights
Any content you submit or transmit

Termination

Termination by Us

We may terminate or suspend your access to our website at any time, with or without cause or notice, if:

You violate these Terms
We suspect fraudulent or harmful activity
Required by law or legal process
We discontinue the website or service

Termination by You

You may stop using our website at any time. To cancel newsletter subscriptions, use the unsubscribe link in any email or contact us directly.

Effect of Termination

Upon termination:

Your right to use the website ceases immediately
Provisions that should survive termination will remain in effect
We may retain certain information as required by law or our Privacy Policy

Modifications to Terms

Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on our website.

Notification of Changes

For material changes, we will:

Update the "Last Updated" date at the top of these Terms
Provide notice through our website or newsletter
Give you reasonable time to review the changes

Continued Use

Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.

Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the United States and the state where andrewkoski.com is operated, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of our website shall be resolved through:

Informal Resolution: Good faith negotiations between the parties
Binding Arbitration: If informal resolution fails, binding arbitration under the rules of the American Arbitration Association
Jurisdiction: Courts in our jurisdiction for matters not subject to arbitration

Miscellaneous Provisions

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of our website.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Assignment

You may not assign or transfer your rights under these Terms. We may assign our rights and obligations under these Terms without restriction.

Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

Contact Information

If you have questions about these Terms of Service, please contact us:

Website: andrewkoski.com/contact
Response Time: We aim to respond within 2-3 business days

These Terms of Service were last updated on January 15, 2024. Please review these Terms periodically for any changes.