Last updated: April 2026 — James Wilson, Patrykmo Gil Nicki

Terms of Use

Acceptance of Terms

Welcome to the website patrykmogilnicki.com (the "Site"), operated by James Wilson (the "Author"). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use (the "Agreement"). If you do not agree to these terms, please do not use the Site.

Purpose of the Site

The Site is provided for informational purposes only and does not constitute financial, legal, or any other form of professional advice. The content on the Site, including but not limited to reviews, ratings, and articles, is intended to be used for educational and entertainment purposes only. The Author does not guarantee the accuracy, completeness, or reliability of the information provided on the Site.

No Liability

The Author shall not be held responsible or liable for any losses, damages, or injuries arising from the use of the Site or the information provided on the Site. The Site is provided "as is" and the Author makes no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Site or the information, products, services, or related graphics contained on the Site for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Age Requirement

The Site is intended for users who are at least 18 years of age. By using the Site, you represent and warrant that you are at least 18 years old. If you are not at least 18 years old, you are not authorized to use the Site.

Intellectual Property

The Site, including all content, graphics, and design elements, is the property of the Author and is protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the Site without the prior written consent of the Author.

Governing Law

This Agreement and your use of the Site shall be governed by and construed in accordance with the laws of the Philippines, without giving effect to any principles of conflicts of law.

YMYL Disclaimer

The content on patrykmogilnicki.com is for informational purposes only and is not intended to be a substitute for professional financial, legal, or other advice. The Author is not a financial, legal, or other professional advisor, and the information provided on the Site should not be treated as such. Before making any decisions or taking any actions based on the information provided on the Site, you should consult with a qualified professional who can provide personalized advice based on your specific situation.

Author and Editor

The content on patrykmogilnicki.com is created and edited by James Wilson, the owner and operator of the Site.