By accessing or using hardonben.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Site.
hardonben is an independent, non-commercial educational project that publishes general information about economics. The Site does not offer, and has never offered, any paid products, courses, subscriptions, advisory services, or financial services of any kind.
All content on this Site, including articles, guides, tables, and other materials, is provided strictly for general informational and educational purposes. Nothing on this Site constitutes financial, investment, legal, tax, or professional advice, and should not be relied upon as such. You should consult a qualified professional before making any financial or economic decision.
While we make reasonable efforts to ensure that content is accurate and up to date, economic concepts, data, and policy environments change over time. We make no warranties, express or implied, regarding the completeness, accuracy, reliability, or timeliness of any content on this Site.
You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to gain unauthorized access to any part of the Site or its underlying systems; (c) reproduce, distribute, or republish substantial portions of our content without attribution; or (d) use automated means to scrape or harvest content at scale without our prior written consent.
Unless otherwise noted, text content published on this Site is the intellectual property of hardonben. You may share brief excerpts with appropriate attribution and a link back to the original page for non-commercial purposes.
The Site may include links to third-party websites or use images sourced from third-party providers for illustrative purposes. We are not responsible for the content, accuracy, or practices of third-party sites.
To the fullest extent permitted by applicable law, hardonben and its contributors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site or reliance on its content.
We may update, suspend, or discontinue any part of the Site, and may revise these Terms of Service, at any time. Continued use of the Site after changes take effect constitutes acceptance of the revised terms.
These Terms of Service are governed by the laws of Switzerland, without regard to conflict of law principles, without prejudice to any mandatory consumer protection rights you may have under the law of your place of residence.
Questions about these Terms of Service can be directed to info@hardonben.com or to our editorial team based in Zug, Switzerland.
