1. Acceptance of Terms These terms and conditions (“Terms”) govern your use of the website morganalisonstewart.com (the “Website”) owned and operated by Morgan Alison Stewart (“Owner” or “we” or “us”). By accessing or using this Website, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use the Website.
   
   
2. Changes to Terms We may modify these Terms at any time, and it is your responsibility to review them periodically. By continuing to use the Website after changes to these Terms have been posted, you agree to the revised Terms.
   
   
3. Use of the Website You must be at least 18 years old to use this Website. By using this Website, you represent and warrant that you are of legal age. We grant you a limited, non-exclusive, and non-transferable license to access and use the Website for your personal, non-commercial use.
   
   
4. User Content You may submit content, including comments and other materials, to the Website. You retain ownership of your content but grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute your content in connection with the Website.
   
   
5. Intellectual Property All content on the Website, including text, graphics, logos, images, and software, is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
   
   
6. Privacy Policy Your use of the Website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, and protect your personal information.
   
   
7. Disclaimer The Website is provided on an “as is” and “as available” basis. We make no representations or warranties regarding the accuracy, completeness, or reliability of the content. Your use of the Website is at your own risk.
   
   
8. Limitation of Liability To the extent permitted by law, we shall not be liable for any indirect, consequential, or incidental damages arising out of or in connection with the use of the Website.
   
   
9. Indemnification You agree to indemnify and hold us harmless from any claims, damages, and expenses (including legal fees) arising out of your use of the Website or violation of these Terms.
   
   
10. Termination We reserve the right to terminate or suspend your access to the Website for any reason, without notice.
    
    

Governing Law
These Terms are governed by the laws of the United States of America. Any dispute arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts in the state of California.