Effective Date: 12/10/2025

Introduction
These Terms of Use govern your access to and use of this personal blog operated by Shellie A. Carter. By using this website, you agree to these Terms. If you do not agree, please discontinue use of the site.

Informational purpose only
All content on this site is for general informational purposes. Nothing on this website should be considered legal, financial, medical, real estate, or professional advice. You are responsible for verifying information before acting on it.

No guarantees
While reasonable efforts are made to provide accurate information, no guarantees are made regarding accuracy, completeness, timeliness, or suitability. Content may contain errors, omissions, or outdated information.

User responsibilities
You agree not to
use this site for unlawful or harmful purposes
attempt to access restricted areas or interfere with site functionality
upload malicious code or engage in activities that disrupt the site
copy, republish, or distribute site content without permission

Intellectual property
All content, including text, graphics, logos, and images, is owned by or licensed to the site owner unless otherwise noted. You may not reproduce or redistribute content without written consent.

Links to third-party sites
This website may contain links to third-party websites or services. These are provided for convenience only. The site owner is not responsible for the content, accuracy, or practices of third-party sites.

Affiliate relationships
Some links on this website may earn commissions when clicked or when a purchase is made. These relationships do not influence the content, reviews, or recommendations provided.

No warranties
Your use of this website is at your own risk. The site is provided “as is” without warranties of any kind, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of liability
To the fullest extent permitted by law, the site owner is not liable for
any losses or damages arising from use of this website
errors or omissions in website content
actions taken based on information from this site
interruption, hacking, or technical issues affecting site availability
Your sole remedy for dissatisfaction with the site is to stop using it.

Indemnification
You agree to indemnify and hold the site owner harmless from any claims, damages, or expenses arising from your use of the site or violation of these Terms.

Changes to Terms
These Terms may be updated at any time. Continued use of the site after changes are posted means you accept the revised Terms.

Governing law
These Terms are governed by the laws of the United States and the State of New Jersey, without regard to conflict-of-law principles.

Contact
For questions about these Terms
Email: hello@shelliecarter.com