Terms of Use
Last Updated: 22 June 2026
These Terms of Use govern your access to and use of the website located at yiwine-xoxobo.info (the "Website"), operated by Yiwine Xoxobo, 12 Lower Newcastle, Galway, H91 F2N1, Ireland ("we", "us", "our"). By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should discontinue use of the Website immediately. These Terms are governed by the laws of Ireland and constitute a legally binding agreement between you and Yiwine Xoxobo.
A. Nature and Purpose of This Website
This Website is operated as an informational and editorial blog. Its purpose is to share perspectives, observations, and practical thinking on the subject of teaching children and teenagers about money through everyday family life. All content published on this Website is intended for general informational and educational purposes only. Nothing on this Website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional regulated advice. Yiwine Xoxobo does not hold any licence or authorisation from the Central Bank of Ireland or any other regulatory authority to provide financial advisory services, and no content on this Website should be interpreted as such. Readers are encouraged to seek independent professional advice before making any financial decisions.
B. Intellectual Property
All content on this Website, including but not limited to text, articles, essays, images, graphics, logos, and the overall design and layout, is the intellectual property of Yiwine Xoxobo or is used with appropriate permission. Such content is protected by Irish and European copyright law, including the Copyright and Related Rights Act 2000 (Ireland), and applicable international intellectual property conventions. You may read, print, and share content from this Website for personal, non-commercial purposes, provided that you clearly attribute the source. You may not reproduce, republish, modify, sell, or distribute any content from this Website for commercial purposes without our prior written consent. Requests for permissions may be directed to [email protected].
C. Disclaimer of Warranties
This Website and all content published on it are provided on an "as is" and "as available" basis without any representations or warranties of any kind, whether express or implied. We make no representation that the information on this Website is accurate, complete, current, or suitable for any particular purpose. We do not warrant that the Website will be continuously available, error-free, or free from viruses or other harmful components. To the fullest extent permitted by applicable law, we disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Your use of this Website is entirely at your own risk.
D. Limitation of Liability
To the maximum extent permitted by Irish law, Yiwine Xoxobo shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or in connection with your use of, or inability to use, this Website or its content. This includes, without limitation, any loss of income, loss of profits, loss of data, or any other financial or non-financial loss, even if we have been advised of the possibility of such damages. Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Irish law.
E. External Links
This Website may contain hyperlinks to third-party websites or resources. Such links are provided for your convenience and informational purposes only. We have no control over the content, privacy practices, or availability of external websites, and we accept no responsibility or liability for them or for any loss or damage that may arise from your use of them. The inclusion of a link to an external website does not constitute an endorsement of that website, its operator, or its content by Yiwine Xoxobo. You access external links at your own risk and should review the terms and privacy policies of any external websites you visit.
F. User Conduct
When using this Website and its contact facilities, you agree not to submit any content that is unlawful, defamatory, abusive, threatening, harassing, obscene, or otherwise objectionable. You agree not to use the Website for any commercial solicitation or for any purpose that could damage the reputation of Yiwine Xoxobo or interfere with the operation of the Website. You agree not to attempt to gain unauthorised access to any part of the Website or its underlying systems. We reserve the right to refuse contact or to block access to the Website in cases where these conditions are violated.
G. Changes to These Terms
We reserve the right to revise these Terms of Use at any time and without prior notice. Changes will take effect from the date they are posted on this page, identified by an updated "Last Updated" date. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of those changes. We recommend that you review these Terms periodically to remain informed of any updates. If you do not agree to any revised Terms, you should discontinue your use of the Website.
H. Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of Ireland. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of Ireland. If you are accessing this Website from outside Ireland, you do so at your own risk and are responsible for compliance with any local laws applicable to your use of the Website. We make no representation that the content of this Website is appropriate or available for use in locations outside Ireland.
I. Contact
If you have any questions or concerns regarding these Terms of Use, please contact us at: Yiwine Xoxobo, 12 Lower Newcastle, Galway, H91 F2N1, Ireland. Email: [email protected]. Telephone: +353 91 521 893. These Terms were last updated on 22 June 2026.