# Terms of use

By using this site, you agree to these terms. If you don't agree, please don't use the site.

## Use of content
All content on this site (text, design, code, marks) is the property of Nicole Ramsey unless otherwise noted. You may share excerpts with attribution and a link back to the source page.

## No professional advice
Content is provided for general informational purposes and does not constitute legal, tax, financial, or professional advice. Engagements are governed by separate written agreements.

## Forms & submissions
Submitting the contact or intake form does not create an attorney-client, advisor-client, or contractual relationship.

## Disclaimer & limitation of liability
The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Nicole Ramsey is not liable for any indirect, incidental, or consequential damages arising from your use of the site.

## Governing law
These terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles.