Terms of Use
Last updated: October 7, 2025

By using ifhappens.net (the “Site”), you agree to these Terms.

Content & Purpose

The Site publishes essays and related materials for general informational and educational purposes. It is not professional advice (including, without limitation, legal, financial, medical, psychological, career, or any other professional advice). You should consult a qualified professional for advice tailored to your situation.

No Professional Relationship

Your use of the Site, subscribing on Substack, or contacting us does not create a professional-client relationship. Do not send confidential information through the Site.

Intellectual Property

Unless noted otherwise, all content on the Site is © If Happens / Venable Advisory LLC. You may link to our pages. Do not copy, republish, or use our content commercially without prior written permission.

Third-Party Links & Services

We may link to Substack, social platforms, or other sites. We’re not responsible for their content, policies, or practices.

User Conduct

Don’t attempt to disrupt the Site, abuse forms or contact channels, or violate applicable law while using the Site.

No Warranties

The Site is provided “as is” and “as available.” We make no warranties—express or implied—about accuracy, completeness, reliability, or availability.

Limitation of Liability

To the maximum extent permitted by law, If Happens and Venable Advisory LLC are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site.

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Changes

We may update these Terms from time to time. The “Last updated” date reflects the latest version. Continued use of the Site means you accept any changes.

Contact

Questions about these Terms: hello@ifhappens.net