Terms and Conditions

Effective Date: [04/20/2026]

Welcome to The Hobo Times (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of https://thehobotimes.com and any related pages, features, content, newsletters, and services (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms.

By using the Site, you agree that you will not:

  • Violate any applicable law or regulation;
  • Use the Site in any way that could damage, disable, overburden, or impair the Site;
  • Attempt to gain unauthorized access to any part of the Site, server, or related systems;
  • Copy, scrape, reproduce, republish, upload, post, transmit, or distribute Site content without permission, except as permitted by law;
  • Use the Site to transmit spam, malware, harmful code, or other disruptive material;
  • Interfere with any other person’s use or enjoyment of the Site.

We reserve the right to suspend or terminate access to the Site for any user who violates these Terms.

2. Informational Purposes Only

The content on The Hobo Times is provided for general informational and educational purposes only.

Nothing on this Site constitutes or should be interpreted as:

  • financial advice,
  • investment advice,
  • tax advice,
  • legal advice,
  • accounting advice, or
  • professional advice of any kind.

You should consult a qualified professional before making decisions based on any information published on this Site. Your use of the Site and reliance on any content is solely at your own risk.

3. No Professional Relationship

Your use of the Site does not create any advisor-client, attorney-client, accountant-client, fiduciary, or other professional relationship between you and The Hobo Times.

4. Accuracy of Information

We strive to provide timely and accurate information, but we do not guarantee that any content on the Site is complete, accurate, reliable, current, or error-free.

Financial, business, tax, legal, and market-related topics can change quickly. Any opinions expressed on the Site are those of the author as of the date published and may change without notice.

We are not responsible for any losses or damages that may result from your reliance on information available on the Site.

5. Editorial Content and Opinions

The Site may include news reporting, commentary, analysis, opinion pieces, or third-party references. Such content is provided for informational purposes only and may reflect the views of individual authors, not necessarily the views of The Hobo Times as a whole.

6. Intellectual Property Rights

Unless otherwise stated, all content on the Site, including but not limited to text, articles, headlines, graphics, logos, designs, images, videos, audio, layout, and site functionality, is owned by or licensed to The Hobo Times and is protected by applicable intellectual property laws. Copyright law protects original website content, and the DMCA provides a takedown framework and potential safe harbors for qualifying service providers.

You may:

  • view and access content for personal, non-commercial use only; and
  • print or download limited excerpts for personal, non-commercial use, provided you do not remove any proprietary notices.

You may not, without our prior written permission:

  • reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, or exploit Site content for commercial purposes; or
  • use our name, logo, branding, or content in a way that suggests endorsement or affiliation.

7. User Submissions

If you submit comments, messages, suggestions, emails, ideas, or other materials to us (“Submissions”), you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, publish, display, adapt, distribute, and otherwise use those Submissions in connection with the Site and our business, subject to applicable law and our Privacy Policy.

You represent that you own or control the rights to any Submissions you provide and that your Submissions do not violate the rights of any third party.

We reserve the right, but not the obligation, to review, remove, edit, or refuse any Submissions at our discretion.

8. Comments and Community Standards

If the Site allows user comments or interactive features, users must not post content that:

  • is unlawful, defamatory, abusive, obscene, hateful, or fraudulent;
  • infringes any copyright, trademark, privacy, or other rights;
  • contains viruses, malware, or harmful code;
  • constitutes spam, solicitation, or unauthorized advertising; or
  • impersonates any person or entity.

We may moderate, remove, or disable comments or user content at any time, with or without notice.

9. Third-Party Links

The Site may contain links to third-party websites, products, services, or resources. These links are provided for convenience only.

We do not control, endorse, or assume responsibility for any third-party websites or content. If you leave our Site, you do so at your own risk and should review the terms and privacy policies of those third parties.

10. Advertising, Sponsored Content, and Affiliate Relationships

The Site may display advertisements, sponsored content, affiliate links, or promotional material. FTC guidance says that required online disclosures should be clear and conspicuous.

If we publish sponsored or affiliate content, we may earn a commission or other compensation at no additional cost to you. Any such relationships should not be interpreted as a guarantee, endorsement, or recommendation unless expressly stated.

You are responsible for evaluating any third-party offers, products, or services before engaging with them.

11. Newsletter and Communications

If you subscribe to our newsletter or other communications, you agree to receive emails or other communications from us. You may unsubscribe at any time by following the unsubscribe instructions included in the communication or by contacting us.

We are not responsible for delays, delivery failures, or technical issues affecting communications.

12. Disclaimer of Warranties

THE SITE AND ALL CONTENT, FEATURES, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE HOBO TIMES DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

  • MERCHANTABILITY,
  • FITNESS FOR A PARTICULAR PURPOSE,
  • NON-INFRINGEMENT,
  • ACCURACY,
  • RELIABILITY, AND
  • AVAILABILITY.

We do not warrant that the Site will be uninterrupted, secure, error-free, or free from viruses or other harmful components.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE HOBO TIMES, ITS OWNERS, AFFILIATES, CONTRIBUTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE EXCEED ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID US, IF ANY, IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

14. Indemnification

You agree to defend, indemnify, and hold harmless The Hobo Times and its owners, affiliates, contributors, employees, contractors, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

  • your use of the Site;
  • your violation of these Terms;
  • your violation of any law or third-party right; or
  • any content or materials you submit through the Site.

15. Copyright Infringement / DMCA Notice

We respect the intellectual property rights of others and expect users of the Site to do the same.

If you believe that material on the Site infringes your copyright, you may send us a notice with the following information:

  • your name, address, email address, and phone number;
  • identification of the copyrighted work claimed to have been infringed;
  • identification of the allegedly infringing material and its location on the Site;
  • a statement that you have a good faith belief that use of the material is not authorized;
  • a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf; and
  • your physical or electronic signature.

DMCA Contact:
[Mailing Address: contact@thehobotimes.com]

If you want to rely on DMCA safe-harbor protections as a qualifying service provider, the Copyright Office says you must both post your designated agent information publicly on your site and register that agent with the Office’s directory.

16. Privacy

Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your information. By using the Site, you acknowledge that you have read and understood our Privacy Policy.

17. Termination

We may suspend, restrict, or terminate your access to the Site at any time, with or without notice, for any reason, including if we believe you have violated these Terms.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles.

19. Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of the Site shall first be attempted to be resolved informally by contacting us.

If a dispute cannot be resolved informally, it shall be resolved exclusively in the state or federal courts located in [Insert County, State], and you consent to the personal jurisdiction and venue of those courts.

Optional arbitration clause instead of court clause:
If you prefer, I can rewrite this section as binding arbitration with a class-action waiver.

20. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms.

21. Contact Us

If you have any questions about these Terms and Conditions, please contact us at:

The Hobo Times
[Contact Page: https://thehobotimes.com/contact]