Terms of Use
Welcome to Life-By-Default.com, a creative space curated by T.A. Hoyt.
By accessing or using this website, you agree to the following Terms of Use.
Please read them carefully.
This website is designed to be a sanctuary — a place for reflection, creativity, and human connection. These terms help protect that intention.
General Use
This website and all content within it — including writing, photography, book excerpts, blog posts, and visual materials — is provided for personal reading, inspiration, and exploration.
You agree not to:
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Reproduce, republish, or distribute any content without written permission
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Claim any writing, photography, or creative work as your own
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Use content for commercial purposes, AI training, or promotional use
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Harm, disrupt, or interfere with the functioning of the website
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Engage in any behavior that compromises the safety or respect of others
Original Content
All writing, photography, creative works, images, and book excerpts on this site are original works by T.A. Hoyt, unless otherwise stated.
You may:
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Share links to public posts
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Quote short excerpts (up to 100 words) with proper credit and a link
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Save posts for personal reading
You may not:
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Copy, repost, or republish full posts, chapters, or photographs
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Use content for commercial or derivative works
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Download or reuse images without explicit permission
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Remove author credit from any excerpt or quoted material
For permissions, contact:
📩 bhakti@life-by-default.com
Community Conduct
Life-By-Default.com is intended to be a safe, respectful space where people can explore ideas, emotions, and creativity without fear of hostility.
By using this website, you agree NOT to:
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engage in bullying, harassment, or targeted negativity
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demean, attack, or shame others (directly or indirectly)
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post comments or messages that are hateful, threatening, or harmful
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use this space to stir conflict, spread hostility, or intimidate others
Any behavior that undermines the emotional safety or wellbeing of visitors — or of the creator — may result in content removal or restricted access.
This website exists to foster reflection, compassion, and creative honesty.
Any conduct that disrupts that intention will not be allowed.
Not Professional Advice
The reflections, writings, and insights shared on this site are personal and creative in nature.
They are not professional advice (medical, legal, financial, or psychological).
Any actions you take based on this content are your own responsibility.
User Submissions
If you contact me through the Contact page:
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You confirm that the content you send belongs to you
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You grant permission for me to respond
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Your message will be used only for communication
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You retain no rights to any content on this website
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Your information will not be shared or sold
I do not accept unsolicited manuscripts, pitches, or commercial proposals unless requested.
External Links
This website may contain links to third-party sites.
I am not responsible for the content, privacy policies, or practices of any external websites.
Limitation of Liability
While I aim to maintain a secure and well-functioning website, I do not guarantee:
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uninterrupted access
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error-free functionality
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the absence of viruses or harmful components
By using this site, you agree that Life-By-Default.com and T.A. Hoyt are not liable for:
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losses due to site downtime
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inaccuracies or typographical errors
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unauthorized access to data
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damages resulting from use of the website
Changes to These Terms
These Terms of Use may be updated at any time.
The most current version will always be posted on this page.
Contact
For questions regarding these Terms, permissions, or concerns, contact: