TERMS OF USE

Effective date: July 30, 2026
Last updated: July 30, 2026

These Terms of Use govern your access to and use of PreparedWithVictor.com, including its articles, reviews, videos, emails, downloads, comments, tools, checklists, and related content.

PreparedWithVictor.com is owned and operated by Victor C. Schroy under the name Prepared with Victor.

By accessing or using the website, you agree to these Terms of Use. If you do not agree, do not use the website.

1. Informational Purpose

Prepared with Victor provides general educational and informational content about household preparedness, severe weather, power outages, emergency planning, financial resilience, products, and related subjects.

The content is not individualized professional advice.

Nothing on the website creates a professional-client, fiduciary, advisory, medical, legal, engineering, financial, or emergency-response relationship.

2. No Emergency Services

Prepared with Victor is not an emergency-response organization.

Do not rely on the website, its email address, comments, social-media accounts, or contact forms to obtain emergency assistance.

In an emergency, contact 911 or the appropriate local emergency, fire, medical, law-enforcement, utility, poison-control, public-health, or disaster-response authority.

3. Eligibility

You must have the legal capacity to agree to these Terms.

The website is intended for a general adult audience and is not directed to children under 13.

Parents and guardians are responsible for supervising minors who view or use preparedness information.

4. Changes to the Website or Terms

Prepared with Victor may modify:

• The website
• Its features
• Its content
• These Terms
• Any policies
• Product recommendations
• Access to particular resources

Changes may be made at any time.

Updated Terms become effective when posted unless another effective date is stated. Continued use after the effective date constitutes acceptance of the revised Terms to the extent permitted by law.

5. Intellectual Property

Unless otherwise stated, the website and its original content are owned by Victor C. Schroy or used with permission.

Protected material may include:

• Articles
• Reviews
• Videos
• Audio
• Photographs
• Graphics
• Logos
• Branding
• Checklists
• Planners
• Downloads
• Course materials
• Product-comparison formats
• Website design
• Compilation and arrangement of content

The website is protected by applicable copyright, trademark, and other intellectual-property laws.

6. Permitted Personal Use

You may:

• View public pages
• Print a reasonable number of pages for personal household use
• Save a personal copy of a checklist when downloading is authorized
• Share an ordinary link to a public page
• Quote a brief excerpt for commentary or discussion when proper credit and a link are provided

Unless written permission is provided, you may not:

• Republish complete articles
• Copy substantial portions of the website
• Sell or redistribute downloads
• Remove copyright notices
• Claim the content as your own
• Use content to create competing commercial products
• Scrape or systematically extract content
• Train or develop commercial datasets using website content
• Reproduce photographs, graphics, or videos
• Frame or mirror the website
• Use Prepared with Victor branding in a misleading manner

7. Downloadable Materials

Some checklists, planners, guides, ebooks, templates, or other resources may be made available for download.

Unless a separate license states otherwise, downloads are licensed for the recipient’s personal, noncommercial household use.

A download is not sold outright, and ownership of the intellectual property is not transferred.

You may not resell, redistribute, upload, sublicense, or include a download in another product unless explicit written rights are provided.

8. User Comments and Submissions

If you submit a comment, review, message, image, suggestion, testimonial, or other material, you represent that:

• You have the right to submit it.
• It does not knowingly contain materially false information.
• It does not violate another person’s rights.
• It is not unlawful, threatening, defamatory, fraudulent, or infringing.
• It does not contain malicious code or unauthorized advertising.
• You will not impersonate another person.

You retain ownership of your original content.

By submitting content for public display, you grant Prepared with Victor a nonexclusive, worldwide, royalty-free license to host, reproduce, format, edit for clarity or length, publish, display, and distribute that content in connection with the website and its promotion.

This license does not require Prepared with Victor to publish or retain the submission.

9. Comment Moderation

Prepared with Victor may review, reject, edit, hide, or remove submissions.

Reasons may include:

• Spam
• Harassment
• Threats
• Hate speech
• Profanity
• Personal information
• Defamation
• Copyright concerns
• Dangerous instructions
• Illegal activity
• Unsupported accusations
• Irrelevant promotion
• Attempts to manipulate reviews
• False claims of personal experience
• Violations of these Terms

Moderation decisions may be made at Prepared with Victor’s discretion, subject to applicable law.

10. Prohibited Conduct

You may not:

• Interfere with website operation
• Attempt unauthorized access
• Introduce malware or harmful code
• Circumvent security measures
• Use automated systems in a way that burdens the website
• Collect personal information about other users
• Impersonate another person
• Submit fraudulent inquiries
• Manipulate reviews or comments
• Use the website for unlawful purposes
• Encourage dangerous conduct
• Violate intellectual-property rights
• Misrepresent an affiliation with Prepared with Victor
• Use website content to mislead consumers

11. Product Information and Recommendations

Prepared with Victor may publish product reviews, comparisons, buying guides, and recommendations.

Product information may become outdated. Manufacturers and merchants may change:

• Specifications
• Materials
• Features
• Safety warnings
• Instructions
• Warranties
• Prices
• Availability
• Return policies
• Product names
• Product designs

Always verify current details before purchasing or using a product.

A recommendation does not guarantee that a product is safe, suitable, available, or effective for your particular needs.

12. Affiliate Relationships and Advertising

Prepared with Victor may earn compensation through affiliate links, advertisements, sponsored content, referrals, and partnerships.

See the Affiliate Disclosure for more information.

Advertisements and affiliate links do not constitute a guarantee or warranty regarding a merchant, product, or service.

13. Third-Party Websites

The website may link to third-party websites and services.

Prepared with Victor does not control and is not responsible for:

• Third-party content
• Privacy practices
• Terms
• Product quality
• Security
• Pricing
• Availability
• Customer service
• Shipping
• Returns
• Warranties
• Claims
• Transactions

You assume responsibility for reviewing third-party policies and evaluating third-party products and services.

14. No Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

Prepared with Victor makes no express or implied warranty that:

• The website will always be available
• Content will be error-free
• Every link will remain active
• Information will always be current
• A product will meet your needs
• A preparedness plan will prevent loss
• An emergency will unfold as described
• Website files will be free from all harmful components
• A particular result will occur

Some jurisdictions do not permit certain warranty exclusions, so parts of this section may not apply to you.

15. Assumption of Risk

Preparedness decisions may involve inherent risks.

You are responsible for evaluating your:

• Abilities
• Training
• Health
• Property
• Equipment
• Household members
• Pets
• Environment
• Local laws
• Weather conditions
• Emergency circumstances

You are responsible for reading product instructions, following official guidance, obtaining professional assistance, and discontinuing any activity that appears unsafe.

16. Limitation of Liability

To the fullest extent permitted by law, Prepared with Victor, Victor C. Schroy, contributors, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

• Use of the website
• Inability to use the website
• Reliance on website content
• Product purchases
• Third-party conduct
• Loss of data
• Property damage
• Lost income
• Business interruption
• Emergency decisions
• Personal injury

Nothing in these Terms excludes liability that cannot legally be excluded.

Where liability cannot be fully excluded, liability will be limited to the maximum extent permitted by applicable law.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Prepared with Victor and Victor C. Schroy from claims, liabilities, losses, and reasonable expenses arising from:

• Your unlawful use of the website
• Your violation of these Terms
• Your infringement of another person’s rights
• Content you submit
• Your misuse or unauthorized redistribution of website materials

This section does not apply where prohibited by law.

18. Copyright Concerns

If you believe content on the website infringes your copyright, contact me:

Include:

• Identification of the copyrighted work
• Identification and URL of the disputed material
• Your contact information
• An explanation of your ownership or authority
• A statement explaining why you believe the use is unauthorized

Prepared with Victor may remove or restrict access to disputed material while reviewing a good-faith complaint.

19. Termination or Restriction

Prepared with Victor may restrict or terminate access to interactive features or resources when reasonably believed necessary to:

• Protect website security
• Prevent abuse
• Enforce these Terms
• Comply with law
• Protect users or third parties
• Address repeated infringement
• Stop fraudulent or harmful conduct

20. Governing Law

To the extent permitted by law, these Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles.

Any dispute that is not otherwise resolved will be brought in a court with appropriate jurisdiction in Pennsylvania, unless applicable consumer law requires another location or procedure.

21. Severability

If a provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

The unenforceable provision will be interpreted or modified only to the extent necessary to make it enforceable when legally permitted.

22. No Waiver

Failure to enforce a provision does not waive the right to enforce it later.

23. Entire Agreement

These Terms, together with the Privacy Policy, Affiliate Disclosure, Medical and Safety Disclaimer, and any additional terms presented for a particular product or service, form the agreement governing use of the website.

24. Contact

Questions about these Terms may be sent to:

Prepared with Victor
Attn: Terms of Use
Victor C. Schroy
Email: webmastervic at preparedwithvictor dot com