Terms of Use
Last updated: April 2026
By using this site, you agree to these terms. They’re short.
Content Ownership
Everything published on this site — the writing, the analysis, the structure — is my work and is protected by copyright. You may quote from it, link to it, and share it, provided you attribute it properly and don’t reproduce it in full without permission.
If you want to republish something in full — in a newsletter, a blog, a course, or anywhere else — ask first. Email [email protected]. I’ll probably say yes.
No Commercial Use Without Permission
You may not use content from this site for commercial purposes without my permission. That includes incorporating it into products, courses, or AI training datasets.
What This Site Is For
This is a personal publication. The content is written for readers who want thoughtful, detailed information about travel, insurance, and related topics. It is not a platform for spam, misinformation, or harassment. Anyone who uses it as such will be removed.
Governing Law
These terms are governed by the laws of the State of Florida, United States, without regard to conflict of law principles.
Changes
I may update these terms occasionally. The date at the top reflects the most recent revision. Continued use of the site after changes are posted constitutes acceptance of the updated terms.