Terms of Service

Last Updated: February 20, 2026

Website: Ourkive (the “Site”)

Operator: 로로씨 (“we,” “us,” “our”)

Contact: admin@ourkive.co

By accessing or using the Site, you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site.

1) Use of the Site

You may use the Site for personal, non-commercial purposes unless we explicitly allow otherwise. You agree not to:

  • misuse the Site, attempt unauthorized access, or disrupt the Site’s operation,
  • copy, scrape, or republish content in a way that infringes our rights,
  • post unlawful, harmful, or abusive content.

We may suspend or terminate access to the Site at any time for any reason, including suspected violations of these Terms.

2) Not Legal, Tax, Financial, or Professional Advice

All content on the Site is provided for general informational and educational purposes only.

  • Nothing on the Site constitutes legal advice, tax advice, financial advice, investment advice, accounting advice, or any other professional advice.
  • You should consult a qualified professional regarding your specific situation before making decisions.
  • Any examples, scenarios, or strategies discussed may not apply to you and may be simplified.

You are solely responsible for how you use the information on the Site and for any decisions or actions you take based on it.

3) No Guarantees / No Warranties

We make reasonable efforts to provide accurate and up-to-date information, but we do not guarantee that the content is complete, accurate, current, or error-free.

The Site and its content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied, including (without limitation) warranties of merchantability, fitness for a particular purpose, and non-infringement.

4) Affiliate Links, Referrals, and Advertising Disclosure

The Site may include:

  • Amazon affiliate links (Amazon Associates Program),
  • credit card referral links and other referral links,
  • sponsored content, paid placements, or advertisements (including Google AdSense).

If you click certain links and make a purchase or apply for a product, we may receive compensation (such as a commission, referral bonus, or advertising revenue) at no additional cost to you (unless stated otherwise).

Important notes:

  • We do not control third-party websites or offers.
  • Prices, terms, and availability are subject to change by third parties.
  • Credit card offers, rewards, and eligibility depend on the issuer’s terms and your circumstances. Always review the issuer’s official terms before applying.

Where required by law, we will clearly disclose material relationships and sponsorships.

5) Third-Party Websites and Services

The Site may link to third-party websites or services. We do not own or control them and are not responsible for their content, policies, or practices. Your use of third-party sites is at your own risk and subject to their terms and privacy policies.

6) User Content (Comments, Submissions)

If the Site allows comments or submissions, you agree that:

  • you will not post unlawful, defamatory, harassing, hateful, or infringing content,
  • you are responsible for your content and any consequences,
  • we may remove or moderate content at our discretion.

By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to display and distribute your submission as part of operating the Site (for example, showing comments on a post). You represent that you have the rights needed to submit the content.

7) Intellectual Property

All Site content (including text, images, graphics, branding, and layout) is owned by or licensed to us and protected by intellectual property laws, unless otherwise stated.

You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission, except for limited personal use and sharing with proper attribution and a link back to the original page.

8) Limitation of Liability

To the fullest extent permitted by law:

  • We will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, or any loss of profits, revenue, data, goodwill, or other intangible losses arising from or related to your use of (or inability to use) the Site.
  • This includes damages related to reliance on content, third-party links, affiliate purchases, or credit card applications made through referral links.

If liability cannot be excluded under applicable law, our total liability will be limited to the maximum extent permitted.

9) Indemnification

You agree to defend, indemnify, and hold harmless 로로씨 and Ourkive from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • your use of the Site,
  • your violation of these Terms,
  • your violation of any rights of another person or entity,
  • your submitted content.

10) Changes to the Site and Terms

We may modify, suspend, or discontinue the Site (in whole or in part) at any time.

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date. Continued use of the Site after changes means you accept the updated Terms.

11) Governing Law

These Terms are governed by the laws of the jurisdiction where the operator is based, without regard to conflict of law principles, unless applicable law requires otherwise.

12) Contact

Questions about these Terms? Contact us:

admin@ourkive.co

Operator: 로로씨