Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the website appliedstuff.com ("the Website"), operated by Liliya Yakhneva under the brand name "#Applied Stuff". By accessing or using this Website, you agree to be bound by these Terms in their entirety. If you do not agree with any part of these Terms, you must not use this Website. These Terms should be read together with our Legal Notice, Privacy Policy, and Cookie Policy, which form an integral part of the agreement between you and the Website owner.

This Website provides free informational and educational content related to business, economics, finance, psychology, and strategy. The services currently offered include: - Blog posts and articles - Podcast episode pages with links to audio/video content - A free interactive business diagnostic tool (Business X-Ray) that generates a personalized report based on user-provided answers, with all data stored locally in the user's browser - A newsletter subscription service for content updates - A contact form for general inquiries and business communication - Links to the Applied Stuff podcast on third-party platforms (YouTube, Spotify, Apple Podcasts, Amazon Music) Future services may include downloadable resources, digital products, and community features. Any new services will be subject to these Terms and any additional terms that may be introduced at that time.

IMPORTANT: PLEASE READ THIS SECTION CAREFULLY. The content presented on this Website is provided strictly for discussion and informational purposes only. Nothing presented on this Website should be interpreted as legal, financial, economic, investment, tax, business consulting, or any other type of professional advice. The owner of this Website is not a licensed financial advisor, attorney, accountant, or certified consultant. The content published on this Website reflects personal analysis and opinions based on publicly available information. By using this Website and consuming its content, you expressly acknowledge and agree that: - You remain fully responsible for your own decisions and actions - You will seek qualified professional advice before making any financial, legal, business, or other significant decisions - The owner disclaims all liability for outcomes resulting from the use or interpretation of the information presented on this Website - Any actions you take based on the content of this Website are taken entirely at your own risk - The information published on this Website may contain errors or omissions and is provided without any warranty of accuracy, completeness, or timeliness

All content on this Website is protected by Spanish intellectual property law (Real Decreto Legislativo 1/1996, of April 12, approving the consolidated text of the Intellectual Property Law), EU Directive 2001/29/EC on the harmonization of certain aspects of copyright, and applicable international treaties. The following activities are strictly prohibited without the prior express written authorization of the owner: - Reproducing, copying, or duplicating any content from this Website - Distributing content to third parties - Public communication or making content available to the public - Creating derivative works based on the content - Using any content for commercial purposes - Automated scraping, crawling, or data extraction from this Website - Framing or embedding content from this Website on other websites The following uses are permitted: - Sharing direct links to pages on this Website - Quoting a maximum of two sentences from any article or page, provided that proper attribution is given including the author name and a direct link to the original content - Personal, non-commercial use of the content for educational purposes

By using this Website, you agree to the following rules of conduct: - Comply with all applicable local, national, and international laws and regulations - Provide accurate and truthful information when submitting any forms on the Website - Use the Website only for lawful purposes - Not attempt to gain unauthorized access to any part of the Website, its servers, or any systems connected to the Website - Not introduce viruses, trojans, worms, malicious code, or any other harmful software or technology - Not engage in any form of harassment, abuse, or threatening behavior through the Website - Not impersonate any person or entity or misrepresent your affiliation with any person or entity - Not use the Website for commercial solicitation or advertising without prior written authorization - Not harvest, collect, or store personal information of other users - Not use the Website to develop competing products or services without prior written authorization

By subscribing to our newsletter, you agree to receive periodic emails containing content updates, educational materials, and related communications from Applied Stuff. You may unsubscribe from our newsletter at any time by: - Clicking the unsubscribe link included in every newsletter email - Contacting us directly at our email address Unsubscription requests will be processed within 10 business days. We will never send unsolicited commercial communications without your prior explicit consent.

This Website contains links to third-party websites and platforms, including but not limited to YouTube, Spotify, Apple Podcasts, Amazon Music, LinkedIn, and Telegram. We do not endorse, control, or accept any responsibility for the content, privacy policies, practices, or availability of these third-party websites and services. Your use of third-party websites is governed by their respective terms of service and privacy policies. The inclusion of any link on this Website does not imply endorsement, sponsorship, or recommendation by the owner.

This Website and all content published on it are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. To the maximum extent permitted by applicable law, the owner shall not be liable for any damages whatsoever arising from or in connection with: - Your use of or inability to use this Website - Any errors, inaccuracies, or omissions in the content - Any decisions made or actions taken based on the content of this Website - Unauthorized access to or alteration of your data or transmissions - Interruptions, delays, or cessation of the Website - Viruses or other harmful components transmitted through the Website - Loss of profits, revenue, data, or business opportunities - Any indirect, incidental, special, consequential, or punitive damages This limitation of liability applies regardless of the legal theory on which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise. Nothing in these Terms shall exclude or limit liability for fraud, willful misconduct, or any other liability that cannot be excluded or limited under applicable law.

You agree to indemnify, defend, and hold harmless the Owner and any affiliates, agents, or collaborators from and against any and all claims, demands, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to: - Your use of this Website - Your violation of these Terms - Your violation of any applicable law or regulation - Your violation of any rights of any third party - Any content you submit or transmit through this Website

The owner reserves the right to modify, suspend, or discontinue any aspect of this Website at any time, with or without notice, and without liability. The owner also reserves the right to modify these Terms at any time. Changes will be effective immediately upon publication on this page. Continued use of the Website after any modifications to these Terms constitutes your acceptance of the updated Terms. We will make reasonable efforts to notify users of significant changes to these Terms via the Website or by email to newsletter subscribers.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable, while preserving the original intent of the provision as closely as possible.

These Terms and Conditions, together with the Legal Notice, Privacy Policy, and Cookie Policy, constitute the entire agreement between you and the Owner regarding your use of this Website. This agreement supersedes any prior agreements, communications, or understandings, whether oral or written, between you and the owner regarding the subject matter herein.

These Terms are governed by and construed in accordance with the laws of Spain. For any dispute arising from or in connection with these Terms or the use of this Website, the parties submit to the courts and tribunals of Barcelona, Spain. Consumers residing in the European Union retain the right to bring proceedings in the courts of their place of residence, in accordance with applicable consumer protection legislation. In accordance with EU Regulation 524/2013, we inform you that the European Commission provides an Online Dispute Resolution (ODR) platform, accessible at https://ec.europa.eu/consumers/odr/. While we are not obligated to participate in alternative dispute resolution procedures, we provide this link as required by applicable EU regulation.

If you have any questions about these Terms and Conditions, you can contact us at: Email: [INSERT EMAIL] Location: Barcelona, Spain