Welcome to steviethewanderer.com (the "Site"). These Terms of Service ("Terms") govern your use of our website and its content. By accessing or using the Site, you agree to be bound by these Terms.

1. Educational and Informational Purposes Only The content provided on steviethewanderer.com—including travel guides, insurance policy comparisons, risk assessments, and itinerary planning—is for informational and educational purposes only. While we strive to provide accurate analysis of public documents (such as credit card insurance certificates) and travel logistics, we make no representations or warranties about the completeness, accuracy, or suitability of the information. Policy wordings, government regulations, and prices change frequently. You are responsible for verifying all information directly with official providers (such as insurance underwriters or transportation operators) before making decisions.

2. Professional Status & Advice Disclaimer Stevie Crawford is a licensed Life Insurance and Accident & Sickness (A&S) Insurance Agent regulated in Ontario, Canada. However, steviethewanderer.com operates as a travel media platform, not an insurance agency. Your use of this Site does not create a client-agent relationship. The articles and guides on this Site constitute general information and marketing material, not individualized financial or insurance advice. A formal needs analysis has not been performed for your specific situation. Before purchasing any policy based on information from this Site, you should verify that the product meets your specific requirements. No Medical Advice: References to hospital access, medical evacuation, or health risks are for context only. Always seek the advice of a qualified health provider regarding a medical condition.

3. Affiliate Disclosure & Commissions This Site engages in affiliate marketing. We may include links to third-party websites, including travel booking platforms and insurance providers. Stevie Crawford and/or his related business entities may receive a commission or compensation from these providers if you make a purchase through our links. This compensation comes at no extra cost to you. We do not control these third-party websites and are not responsible for their content, privacy policies, or claim adjudications.

4. Intellectual Property The Site and its original content (including text, branding, images, and videos) are and will remain the exclusive property of Stevie The Wanderer. The content is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or publicly display any of the material on our Site without our prior written permission.

5. Limitation of Liability In no event shall steviethewanderer.com, Stevie The Wanderer, nor its owners, partners, or affiliates be liable for any indirect, incidental, special, or consequential damages resulting from: Your access to or use of the Site; Any decisions made based on content obtained from the Site; Any conduct or content of any third party on the Site.

6. Governing Law These Terms shall be governed by the laws of Ontario, Canada.

7. Changes to Terms We reserve the right to modify these Terms at any time. By continuing to access our Site after revisions become effective, you agree to be bound by the revised terms.

8. Contact Us If you have any questions about these Terms, please contact us at:

Contact@StevieTheWanderer.com