Terms & conditions

Last updated: January 14, 2025

These terms govern the relationship between you and Milkos when you read our journal, subscribe to our newsletter, or submit content via our contact form. By using milkokos.info you agree to be bound by these terms.

1. Who you are dealing with

Milkos editorial desk operates from Calea Victoriei 142, București 010073, Romania. Registration: Reg. No: 38491726. You can contact us at hello@milkokos.info or on +40 314 286 197.

2. Important editorial disclaimer

Milkos is an independent educational publication. Nothing on this website constitutes regulated investment advice, personalised financial planning, or a recommendation to buy or sell any security or digital asset. We do not manage money on behalf of readers. Always perform your own due diligence and, where appropriate, consult a regulated financial advisor before acting on anything you read here.

Past performance, illustrative portfolios, and modelled outcomes are not guarantees of future results. Investing in equities, bonds, real assets and crypto involves the risk of partial or total capital loss.

3. Using the website

You agree to use milkokos.info lawfully and respectfully. You may not:

• Scrape or republish the journal at scale without our written permission.
• Use the contact form to send unsolicited commercial messages.
• Interfere with the security or availability of the site.
• Submit content that infringes third-party rights or is unlawful.

4. Subscriptions

Paid annual subscriptions are governed by these terms together with our refund policy. By subscribing you agree to receive Milkos editorial communications, which you can stop at any time using the unsubscribe link in every email or via written request to the desk.

5. Reader contributions

When you submit a portfolio for review, a reader letter, or a guest essay pitch, you grant Milkos a non-exclusive right to publish anonymised excerpts in the journal. We will never publish your full name without explicit, written consent.

6. Intellectual property

All original Milkos essays, templates, and graphics are © 2025 Milkos. You may share short quotations with proper attribution and a link to the original source. For longer reuse, please ask the desk in writing — we usually say yes for non-commercial venues.

7. Third-party links

We occasionally link to research papers, regulator publications, and other journals. We have no control over the content of those external sites and accept no responsibility for them. Linking to a site is not an endorsement.

8. Limitation of liability

To the maximum extent permitted by Romanian law, Milkos will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the website or your investment decisions. Nothing in these terms excludes liability that cannot be excluded by law.

9. Account suspension

We reserve the right to suspend or terminate access to paid services without refund (beyond the published policy) if a subscriber breaches these terms — for example, by sharing access broadly or attempting to extract content for resale.

10. Governing law

These terms are governed by the laws of Romania. Any dispute that cannot be resolved amicably will be submitted to the competent courts of București, without prejudice to mandatory consumer-protection rights you may enjoy in your country of residence.

11. Changes to these terms

If we materially update these terms, we will publish the new version at this URL with a new "Last updated" date. Continued use of the website after the change constitutes acceptance of the updated terms.

12. Contact

For anything related to these terms, write to the editor on duty at hello@milkokos.info or use the contact form.