Welcome to https://mgogel.com (the “Site”), a personal website operated by Michael Gogel. By accessing or using the Site, you agree to these Terms of Service. If you do not agree, please discontinue use.
Purpose of the Site
The Site may publish personal writing, analysis, research, commentary, creative work, and links to third-party materials. Content is provided for general informational and educational purposes and reflects its stated context and publication date.
No professional advice
Nothing on the Site constitutes individualized investment, financial, legal, medical, security, or other professional advice. Research, scenarios, opinions and forecasts are uncertain and may prove incorrect. You are responsible for evaluating information and obtaining qualified professional advice when appropriate.
Intellectual property
Unless otherwise indicated, original text, images, branding, and other materials on the Site are owned by Michael Gogel or used with permission. You may link to public pages and quote brief excerpts with appropriate attribution as permitted by law. Reproduction, redistribution, or commercial use beyond applicable legal exceptions requires prior permission. Third-party materials remain subject to their respective owners’ rights.
Acceptable use
Do not disrupt the Site, attempt unauthorized access, upload malicious content, infringe others’ rights, impersonate others, or use its features unlawfully. We may restrict access or remove submissions to protect the Site and its visitors.
Submissions and communications
If you contact the Site or submit comments where enabled, you represent that you have the right to provide the content and that it is lawful. Please do not submit confidential or sensitive information without prior agreement. Unsolicited submissions do not create a professional, fiduciary, or confidential relationship.
Third-party services and advertisements
The Site may link to or display content, services, advertising, or embeds from third parties. Their terms and privacy practices apply to their services. Their appearance does not necessarily imply endorsement.
Availability and accuracy
We may update, remove, or discontinue Site features or content at any time. Although reasonable care may be taken in publishing information, we do not guarantee that material is accurate, complete, current, or continuously available.
Disclaimers and limitation of liability
To the extent permitted by applicable law, the Site and its content are provided “as is” and “as available,” without warranties of any kind. To the extent permitted by law, the operator will not be liable for indirect, incidental, consequential, or special losses arising from use of the Site. Nothing here excludes liability that cannot lawfully be excluded or limits any nonwaivable consumer rights.
Applicable law
These terms are governed by applicable laws of the State of New York, United States, except where mandatory laws provide otherwise. Nothing in these terms removes rights or remedies that applicable law does not permit parties to waive.
Changes to these terms
We may revise these terms by posting an updated version here. Continued use after changes take effect indicates acceptance to the extent allowed by law.
Contact
For questions about these terms, email info@mgogel.com.
Effective date: October 23, 2026