Terms of Use

Last updated: October 20, 2026

This is the personal website of Chris Naylon. By using it, you agree to these terms.

Personal site, provided as-is. Everything here is shared for general information and personal storytelling. It is provided "as-is" and "as available," with no warranty of any kind, express or implied. Nothing here is sold, and no tools or software are hosted on this site.

Not advice. Nothing on this site is legal, financial, tax, investment or medical advice. Stories about savings or results are personal experiences. Results vary, and no savings are guaranteed. Check anything important with a qualified professional before you rely on it.

Links to other sites. This site links to other sites, including hammerkeellabs.com. Those sites have their own terms, and their terms apply there.

Limitation of liability. To the fullest extent the law allows, Chris Naylon is not liable for any loss or damage from using, or being unable to use, this site, including lost data, lost time or indirect, incidental or consequential damages. If any liability is found despite this, the total liability for all claims is limited to one U.S. dollar ($1). This does not limit liability that cannot be limited under applicable law, such as for fraud, intentional misconduct or gross negligence.

Scripture. Scripture quotations are from the ESV® Bible (The Holy Bible, English Standard Version®), © 2001 by Crossway, a publishing ministry of Good News Publishers. ESV Text Edition: 2025. The ESV text may not be quoted in any publication made available to the public by a Creative Commons license. The ESV may not be translated in whole or in part into any other language. Used by permission. All rights reserved.

Changes. These terms may be updated. The date at the top shows the latest version.

Governing law. These terms are governed by the laws of the State of Florida.

Contact. Reach Chris on LinkedIn or X (use the links on this page).