Last updated: February 2026

Please read these terms and conditions carefully before using our website.

1. ACCEPTANCE OF TERMS

By accessing and using this website (marcuschen.com), you agree to be bound by these Terms & Conditions. If you do not agree, do not use this website.

2. USE OF WEBSITE

You may use this website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations

• Transmit harmful code, viruses, or malware

• Interfere with or disrupt website operation

• Collect or harvest user information without consent

• Use the website for fraudulent purposes

• Impersonate any person or entity

3. INTELLECTUAL PROPERTY

All content on this website (text, images, logos, designs, code) is owned by Marcus Chen or licensed to us. All rights reserved.

You may not:

• Reproduce or distribute content without permission

• Create derivative works

• Use content for commercial purposes

• Remove copyright or proprietary notices

Limited use is permitted for personal, non-commercial purposes with attribution.

4. ADVISORY SERVICES

Information on this website is for general informational purposes only and does not constitute professional advice.

Formal advisory engagements require a separate written agreement.

We do not guarantee specific results from advisory services.

5. DISCLAIMER OF WARRANTIES

This website is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Fitness for a particular purpose

• Non-infringement

• Accuracy or completeness of content

• Uninterrupted or error-free operation

6. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Marcus Chen shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Use of or inability to use this website

• Errors or omissions in content

• Unauthorized access to or alteration of your data

• Any other matter relating to the website

Maximum liability shall not exceed $100 USD.

7. LINKS TO THIRD-PARTY SITES

This website may contain links to external websites. We are not responsible for:

• Content of linked sites

• Privacy practices of linked sites

• Accuracy of information on linked sites

Links are provided for convenience and do not constitute endorsement.

8. INDEMNIFICATION

You agree to indemnify and hold harmless Marcus Chen from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of this website

• Your violation of these terms

• Your violation of any rights of another party

9. GOVERNING LAW

These terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

Any disputes shall be resolved in the courts of [Your Jurisdiction].

10. CHANGES TO TERMS

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting.

Your continued use of the website after changes constitutes acceptance of the modified terms.

11. SEVERABILITY

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

12. ENTIRE AGREEMENT

These terms constitute the entire agreement between you and Marcus Chen regarding use of this website.