For the purposes of this disclaimer policy “MichNovi” refers to this website, blog, any courses, tutorials, downloads, newsletters and emails. It also includes all @MichNoviWriter and "@MichNovi social media accounts (Facebook, Twitter, Instagram, Pinterest and LinkedIn) in respect of information posted by MichNovi (please note, I cannot accept responsibility for posts made by other people).

The aim of MichNovi is to provide helpful tips, tools, tutorials and course materials for building blogs and websites, making money online, becoming a freelance writer and achieving a way of living outside of the 9 to 5 grind.

By viewing this website or anything made available on or through MichNovi, you are agreeing to accept all parts of this disclaimer. If you do not agree to the disclaimer below, stop now, and do not access or use any part of MichNovi.


Affiliate links are only used on products and services that I have used previously i.e. affiliate links will not be used simply because they are available, I must have used that product or service “off my own back”.

An Affiliate link means that sometimes MichNovi will recommend or promote a product or service, and if you choose to purchase that product or service via the link/recommendation, I will get a small referral commission (financial or other rewards). Of course, this is at no extra cost to you.

You agree that any such promotion or recommendation does not serve as any form of endorsement whatsoever. You are still required to use your own judgment to determine that any such program, product or service is appropriate for you. You are assuming all risks, and you agree that MichNovi is not liable in any way for any programs, product or service that it may promote, market, share or sell on or through any part of MichNovi.


References or links on MichNovi to the information, opinions, advice, programs, products or services of any other individual, business or entity does not constitute a formal endorsement. I am merely sharing information for your own self-help. MichNovi is not responsible for the website content, blogs, emails, videos, social media, programs, products and/or services of any other person, business or entity that may be linked or referenced on MichNovi. Conversely, should MichNovi appear in any other individual’s, business’s or entity’s website, programs, product or services, it does not constitute formal endorsement or them, their business or their website.


The information provided by MichNovi is for educational and informational purposes only and solely as a self-help tool for your own use.

I’m not a lawyer, accountant or financial adviser, nor do I claim to be. The information provided by MichNovi is not intended to be legal or financial advice. Although a lot of time, care and effort have been put into producing the information here, MichNovi cannot be held responsible for any errors or omissions and accepts no responsibility for any loss or damage you may incur.


MichNovi is here to help, support and assist you in achieving your own goals. Your blogging/writing/business success will depend mostly on your own effort, motivation and commitment. Everyone’s results will vary and depend on your own unique background, desire, motivation, efforts and actions. I cannot predict what results you will achieve in following the information provided, nor can I guarantee that you will achieve a particular result.

You acknowledge that you are participating voluntarily in using MichNovi and that you are solely and personally responsible for your choices, actions and results, now and in the future. You accept full responsibility for the consequences of your use, or non-use, of any information provided through MichNovi, and you agree to use your own judgment and due diligence before implementing any idea, suggestion or recommendation from MichNovi.


Any earnings or income statements or examples shown by MichNovi are only estimates of what might be possible now or in the future. There can be no assurance as to any particular financial outcome based on the use of MichNovi. You agree that MichNovi is not responsible for your earnings, the success or failure of your personal or business decisions, the increase or decrease of your finances or income level, or any other result of any kind that you may have as a result of information presented to you through MichNovi. You are solely responsible for your results.


Although every effort is made to ensure the accuracy of information shared by MichNovi, the information may inadvertently contain inaccuracies or typographical errors. You agree that MichNovi is not responsible for the views, opinions, or accuracy of facts referenced on or through the website, or of those of any other individual or company affiliated with the business or myself in any way. Because technology and business practices are constantly evolving, you agree that MichNovi is not responsible for the accuracy of the information, or for any errors or omissions that may occur.


As with any situation, there are sometimes unknown individual risks and circumstances that can arise during the use of MichNovi that cannot be foreseen that can influence and/or reduce results. You understand that any suggestion or recommendation on or through MichNovi is to be taken at your own risk, with no liability on the part of MichNovi. You agree to assume all risks.


By using MichNovi, you agree to absolve me of any liability or loss that you or any other person may incur from the use of the information, products or materials that you request or received through or on MichNovi. You agree that I will not be liable to you, or to any other individual, company or entity, for any type of damages, including direct, indirect, special, incidental, equitable or consequently loss or damages, for use of or reliance on MichNovi. You agree that I do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease or condition or issue, or any other type of loss or damage due to any act or default by me or anyone acting as an agent, consultant, affiliate, joint venture partner, employee, shareholder, director, staff, team member, or anyone otherwise affiliated with MichNovi or me, who is engaged in delivering content on or through MichNovi.


You hereby fully and completely hold harmless, indemnify and release me and any of my agents, consultants, affiliates, joint venture partners, employees, shareholders, directors, staff, team members, or anyone otherwise affiliated with my business or me from any and all causes of action, allegations, suits, claims, damages, or demands whatsoever, in law or equity, that may arise in the past, present or future that is in any way related to MichNovi.


I make no warranties related to the performance or operation of MichNovi. I make no representations or warranties of any kind, express or implied, as to the information, content, materials, programs, products or services included on or through MichNovi. To the full extent permissible by applicable law, I disclaim all warranties, express or implied, including implied warranties of merchantability and fitness for a particular purpose.

By using MichNovi you are agreeing to all parts of the above disclaimer.