Acceptance of Terms

By accessing, browsing, or using this Website in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any other legal notices published on this Website.

Changes to Terms

We reserve the right to modify, update, or replace these Terms at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

Eligibility

You must be at least 18 years of age to use this Website. By using this Website, you represent and warrant that you meet this age requirement.

Use of the Website

You agree to use this Website only for lawful purposes and in a manner that does not violate any applicable laws or regulations. You agree not to:

• Use the Website for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any part of the Website
• Interfere with or disrupt the operation or security of the Website
• Upload or distribute viruses, malware, or harmful code
• Use automated systems (bots, scrapers) without written permission

Intellectual Property Rights

All content on this Website, including but not limited to text, images, graphics, videos, logos, design elements, and code, is the property of michaelrubino.com or its content licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, or exploit any content without prior written permission, except as expressly permitted by law.

User-Generated Content

If you submit, upload, or post content to this Website, you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, display, and distribute such content in connection with the operation of the Website.

You are solely responsible for any content you submit and represent that you have all necessary rights to do so.

Third-Party Links

This Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, policies, or practices of any third-party websites. Accessing third-party links is at your own risk.

Disclaimer of Warranties

This Website is provided on an “as is” and “as available” basis. We make no warranties or representations of any kind, express or implied, regarding the operation, availability, accuracy, or reliability of the Website or its content.

To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

In no event shall michaelrubino.com, its owners, affiliates, or partners be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Website.

Indemnification

You agree to indemnify, defend, and hold harmless michaelrubino.com, its owners, and affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of the Website or violation of these Terms.

Termination

We reserve the right to suspend or terminate your access to the Website at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users or the Website.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which the Website owner operates, without regard to conflict of law principles.

Severability

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

Entire Agreement

These Terms constitute the entire agreement between you and michaelrubino.com regarding your use of the Website and supersede any prior agreements.

Contact Information

If you have any questions about these Terms and Conditions, you may contact us at:

Email: info@michaelrubino.com

This Terms and Conditions document is provided for general informational purposes and does not constitute legal advice.