Your use of this website signifies your acknowledgment and acceptance of our privacy framework, disclaimers, and terms of service. If you do not accept these terms, you must immediately stop using the site. All materials, including text, graphics, and files, are provided for informational purposes only and are not professional guidance. Unauthorized copying, modification, or illegal use of content is strictly forbidden. Some sections may impose extra conditions. All content is copyright-protected, and reuse requires prior written permission. We disclaim responsibility for accuracy or external content. Terms and policies may be updated at any time.