1. Introduction
Welcome to www.michaelspeyer.com. By using this website, you agree to these Terms and Conditions. Please read them carefully.

2. Intellectual Property
All content on this website, including text, images, and information, is owned by Michael Speyer and is protected by copyright. Unauthorised use of this content is prohibited.

3. Website Use
You agree to use this site responsibly and not to engage in any activity that may harm its security or integrity.

4. Disclaimer
Content on this site is provided for informational purposes only and is not intended as advice. We are not responsible for any losses resulting from reliance on this information.

5. Governing Law
These Terms and Conditions are governed by the laws of the United Kingdom.