Last Updated: February 2, 2026

1. Agreement to Terms

By accessing or using this website (“Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our Site. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting. Your continued use of the Site following any changes constitutes acceptance of those changes.

2. Use of Our Site

2.1 Permitted Use

You may access and use our Site for lawful purposes only. You agree to use the Site in accordance with all applicable laws and regulations.

2.2 Prohibited Activities

You agree NOT to:

  • Use the Site for any unlawful purpose or to solicit others to perform unlawful acts
  • Violate any international, federal, provincial, or local regulations, rules, laws, or ordinances
  • Infringe upon or violate our intellectual property rights or the intellectual property rights of others
  • Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
  • Submit false or misleading information
  • Upload or transmit viruses or any other type of malicious code
  • Spam, phish, pharm, pretext, spider, crawl, or scrape
  • Use the Site for any obscene or immoral purpose
  • Interfere with or circumvent the security features of the Site
  • Attempt to gain unauthorized access to any portion of the Site
  • Click on advertisements in a fraudulent or artificial manner
  • Use any automated system to access the Site in a manner that sends more requests than a human could reasonably produce

3. Intellectual Property Rights

3.1 Our Content

Unless otherwise indicated, the Site and all content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by us, our licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

3.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent.

3.3 User Content

If you submit comments, suggestions, or other content to our Site, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content in any media.

4. Third-Party Advertising and Links

4.1 Advertising

This Site uses Google AdSense and other third-party advertising services to display advertisements. These companies may use information about your visits to this and other websites (not including your name, address, email address, or telephone number) to provide advertisements about goods and services of interest to you.

Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website or other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to this Site and/or other sites on the Internet.

You may opt out of personalized advertising by visiting Google Ads Settings or www.aboutads.info.

4.2 Third-Party Links

Our Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such content, goods, or services available on or through any such websites or services.

5. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS, OR SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SITE.

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. WE DO NOT WARRANT THAT THE SITE, ITS SERVERS, OR EMAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

The content on this Site is for informational and educational purposes only and is not intended as professional advice. We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of the content.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • Your access to or use of or inability to access or use the Site
  • Any conduct or content of any third party on the Site
  • Any content obtained from the Site
  • Unauthorized access, use, or alteration of your transmissions or content

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID US IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

7. Indemnification

You agree to defend, indemnify, and hold harmless us, our affiliates, licensors, and service providers, and our respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

8. Privacy and Data Collection

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy. By using the Site, you consent to our collection and use of personal data as outlined in our Privacy Policy.

This Site uses cookies and similar tracking technologies. By using the Site, you consent to our use of cookies in accordance with our Cookie Policy.

9. Copyright Infringement

We respect the intellectual property rights of others and expect users of the Site to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent with the following information:

  • An electronic or physical signature of the person authorized to act on behalf of the copyright owner
  • A description of the copyrighted work that you claim has been infringed
  • A description of where the material you claim is infringing is located on the Site
  • Your contact information
  • A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner
  • A statement that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner

10. User Accounts

If you create an account on our Site, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

11. Termination

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Site will immediately cease.

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within Lagos, Nigeria for the resolution of any disputes.

13. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Site shall first be attempted to be resolved through good faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through the appropriate courts as specified in Section 12.

14. Changes to the Site

We reserve the right to withdraw or amend the Site, and any service or material we provide on the Site, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period.

15. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired, and such provision shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law.

16. Waiver

No waiver by us of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the use of the Site and supersede all prior and contemporaneous written or oral agreements between you and us.

18. Age Restrictions

The Site is intended for users who are at least 18 years old or the age of majority in their jurisdiction. If you are under 18, you may use the Site only with the involvement of a parent or guardian. We do not knowingly collect personal information from children under 13.

19. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: contact@ethicaloptimist.com

20. Acknowledgment

BY USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.