The Modern Reference - Terms of Service

As of April 2026.

By subscribing to or accessing The Modern Reference (www.themodernreference.com), you agree to the following terms.

1. About The Modern Reference

The Modern Reference is an editorial publication operated by Lise Bacca Ivanov, The Modern Reference, based in Luxembourg (RCS Luxembourg A46902). It publishes content related to wellness, lifestyle, and contemporary culture.

2. Subscriptions

The Modern Reference offers free and paid subscriptions. Paid subscriptions are processed via Stripe through Substack. By subscribing, you agree to Substack’s terms of service in addition to these terms.

Subscriptions renew automatically unless cancelled. You may cancel at any time via your Substack account settings. No refunds are issued for partial subscription periods.

3. Content & Intellectual Property

All content published on The Modern Reference — including articles, texts, selections, and editorial formats — is the intellectual property of Lise Bacca Ivanov, The Modern Reference. Reproduction, redistribution, or commercial use of any content without prior written consent is prohibited.

4. Disclaimer

Content published on The Modern Reference is for informational and editorial purposes only. It does not constitute medical, legal, or financial advice. Readers are encouraged to consult qualified professionals before making any decisions.

5. Changes to These Terms

These terms may be updated at any time. Continued use of the publication following any update constitutes acceptance of the revised terms.

6. Governing Law & Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Luxembourg City.