---
title: "Terms of Use"
description: "The terms for reading, linking to, and automatically accessing caruana.me."
url: "https://caruana.me/terms/"
---

# Terms of Use

Terms

# Terms of Use

Effective 20 October 2026.

By using this site you agree to these terms. They are short on purpose.

## What this site is

caruana.me is Brandon Caruana's personal site. The writing reflects personal views. It is not financial, legal, investment, or professional advice, and it does not speak for any employer or organization.

## Content

Unless stated otherwise, the writing, images, and design are © Brandon Caruana, all rights reserved. You are welcome to link to any page and to quote short passages with attribution and a link back. Republishing whole articles needs permission.

## Automated access and AI agents

People, AI agents, and automated clients are all welcome. The site publishes machine-readable versions of its pages (Markdown and `llms.txt`) for that purpose. Please respect `robots.txt`, keep request rates reasonable, identify your client honestly, and do not try to break, overload, or get around the site's security.

Visits are observed as described in the [Privacy Policy](https://caruana.me/privacy/), including whether a visitor appears to be a person, an agent, or automation.

## Messages and submissions

If you send a message, reply, or subscribe, do not send anything unlawful, abusive, or that you do not have the right to share. Messages may be answered, ignored, or removed at discretion.

## No warranty

The site is provided as is, without warranties of any kind. To the extent the law allows, Brandon Caruana is not liable for any loss arising from using the site or relying on its content. Links to other sites are provided for convenience and are not endorsements.

## Changes and contact

These terms may change; the effective date above shows the latest version. Questions: [cosmos@bit.caruana.me](mailto:cosmos@bit.caruana.me).