Last updated: April 2026 — Lachlan Mercer, Carissa Tara Moe Roa

Terms of Use

Acceptance of Terms

By accessing and using the website carissataramoeroa.com (the "Website"), you acknowledge and agree to be bound by these Terms of Use and any additional terms and conditions that may be posted on the Website from time to time. If you do not agree to these Terms of Use, you are not authorized to use the Website.

Informational Purpose Only

The content on the Website is provided for informational purposes only and is not intended to be a substitute for professional advice, whether financial, legal, or otherwise. The Website and its content should not be relied upon for making any decisions or taking any actions that could have a significant impact on your financial, legal, or other affairs.

No Liability

Lachlan Mercer, the content author and editor of carissataramoeroa.com, and any associated parties, shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the Website or its content.

Age Requirement

The Website is intended for use by individuals who are at least 18 years of age or the legal age of majority in their respective jurisdictions. By accessing and using the Website, you represent and warrant that you are of legal age to do so.

Intellectual Property

The Website and its content, including but not limited to text, graphics, images, logos, and software, are the property of Lachlan Mercer and are protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the Website or its content without the prior written consent of Lachlan Mercer.

Governing Law

These Terms of Use and your use of the Website shall be governed by and construed in accordance with the laws of the jurisdiction in which Lachlan Mercer resides, without giving effect to any principles of conflicts of law.

YMYL Disclaimer

The content on carissataramoeroa.com is provided for informational purposes only and is not intended to be a substitute for professional advice, whether financial, legal, or otherwise. The information presented on the Website is not intended to be a recommendation or endorsement of any particular product, service, or course of action. Readers should seek the advice of professionals, as appropriate, regarding any matter related to the topics covered on the Website.

Content Authorship

Lachlan Mercer is the content author and editor of carissataramoeroa.com. All content on the Website is created and curated by Lachlan Mercer, unless otherwise stated.