Terms & Conditions

Effective date: October 3, 2026

These Terms & Conditions govern your use of oscarroberts.net, my free guides and downloads, and my emails (together, the "Content"), all provided by Oscar Roberts ("I," "me," or "my"). By using the Content, you agree to these terms. If you do not agree, please do not use it.

Educational purposes only

The Content is for general educational and informational purposes only. It reflects my personal experience, research, and opinions. It is not medical, nutritional, financial, or tax advice, and it is not a substitute for advice from a qualified professional who knows your situation.

Medical disclaimer

I am not a doctor, registered dietitian, pharmacist, or other licensed healthcare provider. Nothing in the Content is intended to diagnose, treat, cure, or prevent any disease.

Always talk to your doctor before starting, stopping, or changing any supplement, diet, or exercise routine. This is especially important if you take prescription medication, are pregnant or nursing, or have a medical condition, because some supplements interact with medications and conditions.

Statements about supplements have not been evaluated by the Food and Drug Administration. Individual results vary, and research on supplements changes over time, so some information may become outdated.

Never ignore professional medical advice or delay seeking it because of something you read in the Content. If you think you are having a medical emergency, call 911 or your local emergency number immediately.

No professional relationship

Although I am a CPA, I share the Content in a personal capacity. Using the Content, emailing me, or receiving a reply from me does not create a doctor-patient, CPA-client, or any other professional relationship.

Affiliate links and recommendations

Some links in the Content may be affiliate links. If you buy through them, I may earn a commission at no extra cost to you. I only recommend products I believe are worth considering, and I will disclose affiliate relationships where required. Your purchase decisions are your own.

Paid products and services

If I offer paid products or services in the future, additional terms may apply to them. Those terms will be provided at the time of purchase.

Intellectual property

The Content, including my guides, text, graphics, and videos, is owned by Oscar Roberts and protected by copyright. You may use it for your own personal, non-commercial purposes. You may not copy, resell, republish, or distribute it, in whole or in part, without my written permission. Sharing a link to my website or videos is always welcome.

Your messages and feedback

If you reply to my emails or send me feedback, questions, or ideas, you agree that I may use them to improve my content or to inspire future videos, without compensation to you. I will not publish your name or identifying details without your permission.

Third-party websites

The Content may link to websites and products I do not control. I am not responsible for their content, products, or policies.

No warranties

The Content is provided "as is" and "as available," without warranties of any kind. I do not guarantee that it is complete, accurate, current, or suitable for your needs, or that the website will always be available or error-free.

Limitation of liability

To the fullest extent permitted by law, I am not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, the Content. You use the Content at your own risk.

Indemnification

You agree to hold me harmless from any claims, losses, or expenses, including reasonable legal fees, that arise from your misuse of the Content or your violation of these terms.

Governing law

These terms are governed by the laws of the State of Florida, without regard to its conflict of law rules.

Changes to these terms

I may update these terms from time to time. When I do, I will change the effective date at the top of this page. Continuing to use the Content after a change means you accept the updated terms.

Contact

Oscar Roberts Email: [email protected]