Terms of use
Last updated: December 9, 2025
Welcome to PDNIONLINE (“PDNI”, “we”, “us”, or “our”).
These Terms of Use (“Terms”) govern your access to and use of our website, content, features and services (collectively, the “Website” or “Services”).
By accessing or using the Website, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree, you must not use the Website.
About These Terms
The Website is operated as an informational and editorial platform.
These Terms apply to all visitors and users, regardless of their location or the device used to access the Website.
By using the Website on behalf of another person or an organization, you confirm that you are authorized to accept these Terms on their behalf and that they agree to be bound by them.
We may update these Terms from time to time to reflect changes in our services, applicable laws or operational needs. When we make changes, we will update the “Last updated” date at the top of this page.
Nature of the Website and Informational Purpose
The Website provides articles, guides, tips and other content for informational, educational and general guidance purposes only.
We do not provide professional advice of any kind, including but not limited to legal, financial, medical, investment, employment or technical advice. Any decisions you take based on information found on the Website are made solely at your own risk.
Unless expressly stated, PDNIONLINE has no official partnership, endorsement or affiliation with the institutions, brands, companies, platforms, products or services mentioned in the content. References to third parties are for informational purposes only.
You are responsible for independently verifying any information with official or authoritative sources before acting on it.
Eligibility and Access
The Website is intended for individuals who are at least 18 years of age, or for minors using the Website under the supervision and full responsibility of a parent or legal guardian.
You are responsible for ensuring that your use of the Website complies with all applicable laws, regulations and rules in your country or region.
We may restrict, suspend or terminate access to the Website, in whole or in part, at any time and without prior notice, for reasons including but not limited to maintenance, security, suspected misuse, legal requirements or changes to our services.
Accounts and Security (If Applicable)
Some features of the Website may require you to create an account or subscribe to communications such as newsletters, alerts or similar services.
If you choose to create an account, you agree to:
- Provide accurate, current and complete information
- Keep your login credentials confidential
- Notify us promptly of any unauthorized access or suspected breach of security
You are responsible for all activities that occur under your account, whether or not you authorized them.
We reserve the right to disable, suspend or delete any account, at our discretion, if we believe that the account is being used in violation of these Terms or applicable law.
Permitted Use of the Website
You agree to use the Website only for lawful purposes and in a way that:
- Respects the rights and privacy of other users
- Does not damage, disrupt, overload or impair the Website or any network connected to it
- Does not interfere with other users’ access to or enjoyment of the Website
You may use the content for personal, non-commercial purposes, such as reading, learning, sharing links and referencing the material, provided you comply with these Terms and applicable intellectual property laws.
Prohibited Activities
You agree not to engage in any of the following activities when using the Website:
- Using the Website in any manner that violates applicable laws or regulations
- Attempting to gain unauthorized access to any part of the Website, server, system or network
- Introducing viruses, malware, harmful code or any other material that is technologically harmful
- Using automated systems (including bots, crawlers, scrapers or similar tools) to access the Website in a way that sends more requests than a human could reasonably produce in the same period of time
- Attempting to test, scan or probe the vulnerability of the Website or any associated system
- Collecting or harvesting personal data from other users without their consent and without legal basis
- Using the Website to transmit, upload or publish content that is unlawful, defamatory, harassing, hateful, threatening, obscene, misleading or otherwise objectionable
We may, at our discretion, take appropriate measures against any misuse, including blocking access, removing content or cooperating with authorities where legally required.
Intellectual Property
All text, graphics, images, logos, icons, design elements, code, interfaces and other content available on the Website are owned by PDNIONLINE or are used with authorization from third parties.
Such content is protected by copyright, trademark and other intellectual property laws.
You agree:
- Not to reproduce, distribute, publicly display, modify, create derivative works from, or use any content from the Website for commercial purposes without our prior written permission or the permission of the respective rights holder
- Not to remove, obscure or alter any copyright, trademark or other proprietary notices
Limited, non-exclusive and revocable permission is granted to access and view the content for personal, non-commercial use, provided you comply with these Terms.
User-Generated Content
The Website may offer spaces for comments, reviews, messages or other forms of user-generated content (“User Content”).
When you submit or publish User Content on the Website, you confirm that you own or have all necessary rights to use and share that content and that it does not violate any third-party rights or applicable laws.
Responsibility for User Content
You are solely responsible for any User Content you submit or publish.
You agree not to submit or publish any User Content that:
- Is unlawful, defamatory, abusive, harassing, hateful, discriminatory, obscene or otherwise offensive
- Contains personal data of third parties without their consent and without a lawful basis
- Infringes any copyright, trademark, intellectual property or privacy right
- Promotes fraud, scams, illegal activities or misleading information
We do not undertake to monitor all User Content, but we reserve the right to remove or block any content at any time, at our discretion, if we believe it violates these Terms or applicable law.
License You Grant to Us
By submitting or publishing User Content on the Website, you grant PDNIONLINE a non-exclusive, worldwide, royalty-free, irrevocable and fully sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content in any media now known or later developed, solely for the purposes of operating, improving, promoting and archiving the Website and related services.
Privacy and Cookies
Your privacy is important to us.
Our practices regarding the collection, use and protection of personal data, as well as the use of cookies and similar technologies, are described in our Privacy Policy and Cookies Policy, available at:
https://pdnionline.com/privacy-policy/
By using the Website, you acknowledge that you have read and understood our Privacy Policy and that you agree to the ways in which we handle personal data, subject to applicable data protection laws.
Third-Party Links, Services and External Content
The Website may contain links to third-party websites, applications or services that are not owned or controlled by PDNIONLINE.
We do not have control over, and are not responsible for:
- The content, accuracy or availability of third-party websites or services
- Their privacy policies, security practices or terms of use
- Any products, services, promotions or offers provided by such third parties
You access third-party websites and services at your own risk and we recommend that you carefully review their terms and privacy policies before using them.
PDNIONLINE will not be responsible or liable for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any such third-party content, goods or services.
Advertising, Sponsorship and Affiliates
The Website may display advertising, sponsored content, branded sections or references to affiliate programs, where applicable.
Where relevant, we seek to clearly identify advertising and sponsored content so that users can distinguish editorial content from commercial communications.
If affiliate links are used, PDNIONLINE may receive a commission when you click on or complete an action through such links. This does not change the price you pay and does not affect the independence of our editorial criteria, which aim to provide clear and honest information to users.
Disclaimers
The Website and all content, information and services are provided on an “as is” and “as available” basis, without any guarantees or warranties, express or implied.
Without limiting the foregoing, we do not guarantee that:
- The Website will be uninterrupted, secure or error-free
- The content will always be accurate, complete, current or suitable for your particular use
- Any defects will be corrected promptly
You are solely responsible for evaluating the accuracy, completeness and usefulness of any information provided on the Website and for verifying it with official or authoritative sources when necessary.
No Professional Advice
Any information provided on the Website, including articles, guides and explanatory content, is for informational and educational purposes only and should not be considered professional advice of any kind.
You should always consult a qualified professional (for example, a lawyer, doctor, financial advisor or other specialist) before making decisions that may affect your rights, health, finances or safety.
Limitation of Liability
To the maximum extent permitted by applicable law, PDNIONLINE and its affiliates, partners, directors, officers, employees and agents shall not be liable for any indirect, incidental, consequential, special or punitive damages, including but not limited to loss of profits, revenue, data, goodwill or other intangible losses, arising out of or related to:
- Your access to or use of the Website
- Your inability to access or use the Website
- Any content or information obtained through the Website
- Any unauthorized access to or use of our servers or your data
Where applicable law does not allow the exclusion or limitation of certain types of damages, our liability shall be limited to the maximum extent permitted by such law.
Indemnification
You agree to indemnify, defend and hold harmless PDNIONLINE and its affiliates, partners, directors, officers, employees and agents from and against any claims, liabilities, damages, losses, costs and expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use of the Website
- Your violation of these Terms
- Your violation of any rights of a third party, including intellectual property or privacy rights
We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with us in asserting any available defenses.
Changes to the Website and to These Terms
We may modify, suspend or discontinue any part of the Website or any content, feature or service at any time, with or without notice.
We may also update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page.
By continuing to access or use the Website after changes to the Terms become effective, you agree to be bound by the revised Terms. If you do not agree with the changes, you must stop using the Website.
Governing Law and Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them or with your use of the Website shall be governed by and construed in accordance with the laws of [insert country/state of operation], without regard to its conflict of law rules.
You agree that the courts located in [insert city/state] shall have exclusive jurisdiction to resolve any dispute arising from or related to these Terms or your use of the Website, and you waive any objection to such jurisdiction and venue.
You should adjust this clause to reflect the country, state and city that apply to PDNIONLINE’s operation.
Severability and Entire Agreement
If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision shall be applied to the maximum extent permitted by law and the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and PDNIONLINE regarding your use of the Website and supersede any prior or contemporaneous agreements, communications or understandings, whether written or oral.
Contact Us
If you have any questions, comments or concerns about these Terms of Use or about the Website, you can contact us at:
Email: [email protected]
We will do our best to respond within a reasonable period, depending on the nature of your request and our operational capacity.