TERMS OF USE

Last updated: 29 August 2026

These Terms govern your use of The Modern Expert website.

The Modern Expert is operated by Allan Curme, sole trader, United Kingdom.

By using this website, you agree to use it in accordance with these Terms.

Purpose of The Modern Expert

The Modern Expert provides educational information, ideas, resources and guidance relating to expertise-based businesses, online business, marketing, entrepreneurship and creating additional income streams.

Content is provided for general educational and informational purposes.

It is not financial, investment, legal, tax, employment or other regulated professional advice.

No guarantee of results

Building a business or additional income stream involves uncertainty and risk.

Nothing published by The Modern Expert guarantees that you will generate income, acquire customers, build a profitable business or achieve any particular result.

Your decisions, actions and results remain your responsibility.

Please also see the Earnings & Results Disclaimer.

Accuracy of information

I aim to provide useful and accurate information, but online platforms, technologies, programmes, prices, partner arrangements and business practices can change.

I cannot guarantee that all information will remain complete, current or suitable for your particular circumstances.

You should make appropriate checks before making important business or financial decisions.

Intellectual property

Unless otherwise stated, the content, branding, frameworks, written materials, graphics and other original material published by The Modern Expert are owned by or licensed to Allan Curme.

You may use publicly available content for your own personal learning.

You may not reproduce, republish, sell, distribute or commercially exploit substantial portions of The Modern Expert's original content without permission.

Third-party products and services

The Modern Expert may discuss or link to third-party products, services, programmes and websites.

A link or recommendation does not make me responsible for that third party's products, services, availability, terms, claims or conduct.

You should review the relevant provider's terms before purchasing or participating.

Affiliate relationships

Some recommendations may involve an affiliate, ambassador, referral or other commercial relationship.

Where applicable, I may receive compensation if you take certain actions or purchase through a qualifying link.

See the Affiliate Disclosure for more information.

Future paid services

The Modern Expert may offer paid coaching, mentoring, consulting, digital products or other services in future.

Where appropriate, those products or services will be subject to additional terms governing matters such as scope, payment, cancellation and refunds.

These Terms of Use do not replace those specific terms.

Liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

To the extent permitted by law, I am not responsible for business decisions, financial losses, lost profits or other losses resulting solely from reliance on general educational information provided through The Modern Expert.

Governing law

These Terms are governed by the laws of England and Wales, subject to any mandatory consumer protections that may apply to you in your country of residence.

Contact

Questions about these Terms can be sent to:

[email protected]