Terms & Conditions

Last updated: 11.12.2025

By accessing or using this website, you agree to the following terms and conditions. If you do not agree, please do not use the site.

1. General Information Only

The information on this website is provided for general purposes only.
It is not intended as legal, financial, or mortgage advice.

2. No Client Relationship

Visiting this site or contacting us does not establish a client relationship.
Such a relationship is only formed through direct agreement.

3. Intellectual Property

All content, text, and images on this site are the property of Irina Grigoryeva or used with permission.
You may not reproduce, copy, or distribute any content without prior written consent.

4. Limitations of Liability

We strive to keep the information on this website accurate and up to date.
However, we do not guarantee the completeness or accuracy of the content, and are not responsible for any damages that may result from its use.

5. External Links

This website may contain links to third-party websites.
We are not responsible for the content or practices of those websites.

6. Changes to These Terms

We reserve the right to update these Terms & Conditions at any time.
The updated version will be posted on this page with the revised date.

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