[Add] Create About, Contact Us, Privacy Policy, and Terms & Conditions pages

terms-and-conditions.md

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+---
+layout: default
+permalink: /terms-and-conditions/
+---
+
+# Terms & Conditions
+
+**Last Updated:** January 1, 2025
+
+Welcome to **{{ site.title }}**. By accessing and using this website, you agree to comply with the following terms and conditions.
+
+## 1. Use of the Website
+
+- The content provided on this site is for informational purposes only.
+- You agree not to misuse, copy, or redistribute content without prior written permission.
+- You are responsible for ensuring your use of this site complies with applicable laws.
+
+## 2. Intellectual Property
+
+- All articles, designs, and resources published here are the intellectual property of {{ site.title }} unless otherwise noted.
+- Unauthorized reproduction or distribution of content may result in legal action.
+
+## 3. Third-Party Links & Ads
+
+- Our website may display advertisements (including Google AdSense) and links to third-party sites.
+- We are not responsible for the accuracy, reliability, or content of external websites.
+
+## 4. Disclaimer of Liability
+
+- We do not guarantee the accuracy, completeness, or timeliness of the information provided.
+- Use of any information is at your own risk.
+
+## 5. Changes to Terms
+
+We reserve the right to update these terms at any time. Continued use of the site means you accept any modifications.