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This is a personal site. Its content is published for reading and reflection: articles, journal entries, reading notes, quotes, and descriptions of my projects.

You may read, share, and quote this content for personal and non-commercial purposes, with attribution and a link back to the page. Commercial reuse requires written permission.

All content on the site, including text, photographs, and the signature logo, belongs to Juan F. Arroyo M. unless another source is credited. All rights are reserved.

Do not use the site unlawfully, scrape it at scale, or attempt to disrupt it. The site is a record of personal work; treat it accordingly.

The content is provided as it is, without warranties of any kind. It reflects personal views and experience, not the views of any employer or organization.

Nothing on this site is professional advice, and in particular nothing here is financial, legal, or investment advice.

To the extent permitted by law, Juan F. Arroyo M. is not liable for losses arising from the use of the site or reliance on its content.

These terms may be updated. The date above shows the latest revision; continued use after a change means acceptance of the new terms.

These terms are governed by Spanish law. The courts of Barcelona have jurisdiction over any dispute.