Disclaimer

1. About TrendsOnFire

TrendsOnFire is an independent editorial business intelligence platform covering trends in retail & e-commerce, people & transformation, technology, supply chain, finance & compliance, education & government, and media. The site is curated by Olga Bressers, a senior executive with 20+ years of experience in international commerce and transformation.

The website is accessible at https://trendsonfire.com and is hosted on GitHub Pages (Microsoft/GitHub infrastructure).

Contact: olga.bressers@gmail.com

For our privacy policy and information about data processing, please refer to our Privacy Policy.

2. Nature of the content

All content on TrendsOnFire — including articles, trend analyses, indices, trackers, dashboards, commentary, data visualisations, and forecasts — is editorial in nature. It is based on publicly available information and the analytical perspective of the author, produced for general informational and educational purposes.

Content is compiled and published in good faith. It is not based on proprietary research, exclusive data licences, or formal certified market research methodologies unless explicitly stated otherwise. It may incorporate AI-assisted drafting and analysis tools. All content published on TrendsOnFire is reviewed and edited by a human author prior to publication.

3. Data accuracy & currency

While we take care to ensure accuracy, the information published on TrendsOnFire is provided on an "as is" basis. We make no representations or warranties, express or implied, regarding:

• The completeness, accuracy, or reliability of any information, data, or analysis
• Whether information is current or up to date — market conditions, statistics, company situations, prices, and legal/regulatory environments can change rapidly
• The suitability of any analysis for a particular purpose

Data referenced in trackers and dashboards is sourced from publicly available reports, industry publications, company announcements, regulatory filings, and news sources. Sources are cited where possible. Market data (including cryptocurrency prices and market caps) is highly volatile and figures stated at the time of publication may be significantly different by the time of reading.

4. Not professional advice

The information on TrendsOnFire is for general informational and educational purposes only and does not constitute professional advice of any kind.

Specifically, no content on this site constitutes:

• Business or strategic advice — analyses and trend observations are editorial commentary, not tailored recommendations for your specific organisation or situation
• Legal advice — nothing on this site should be interpreted as legal guidance, legal opinion, or the practice of law
• Financial or investment advice — content does not constitute investment research, financial product advice, or advice regulated under MiFID II, the Dutch Wet op het financieel toezicht (Wft), or any other financial services regulation
• Crypto asset advice — content relating to cryptocurrency markets, price forecasts, and specific assets is informational and educational only; see Section 5 below
• HR or employment advice — salary data and workforce analyses are general market observations, not formal compensation benchmarks or employment law guidance
• Tax advice — any references to tax treatment (including Box 3 in the Netherlands) are general informational notes only and not personalised tax advice
• Consulting services — reading this site does not create a client–consultant relationship of any kind
• User responsibility — users are solely responsible for how they interpret and apply any content on this site to their own circumstances

For advice tailored to your specific situation, please engage a qualified and regulated professional. To explore working with Olga Bressers directly, please visit the Real Estate About the Author page.

5. Financial content & cryptocurrency

Cryptocurrency content

TrendsOnFire publishes content about cryptocurrency markets, including market trend analysis, price forecast scenarios attributed to third-party analysts, asset descriptions, risk assessments, and general orientation guides. The following limitations and warnings apply to all such content:

• Price targets and forecasts are sourced from third-party public analyst research and are not the views or predictions of TrendsOnFire. They are illustrative ranges only and have no predictive value
• "Consider / Watch / Avoid" categorisations and similar frameworks are general research orientation tools based on publicly available information. They are not buy, hold, or sell recommendations
• Cryptocurrency assets are highly speculative and volatile. Values can fall 80–90% rapidly. You can lose your entire investment
• Cryptocurrency markets are largely unregulated or lightly regulated and do not benefit from the investor protection schemes that apply to regulated financial products (e.g., the Investor Compensation Scheme or deposit guarantee)
• Past performance of any asset is not indicative of future results
• TrendsOnFire is not registered with De Nederlandsche Bank (DNB), the Autoriteit Financiële Markten (AFM), or any equivalent EU/non-EU financial regulator to provide financial services or investment advice

General financial and market data

Market sizing figures, revenue estimates, growth rates, and other financial metrics referenced in retail, supply chain, and other sections are sourced from publicly available reports and industry estimates. They are for orientation only and should not be used as the basis for investment, M&A, or funding decisions without independent verification from qualified financial professionals.

6. Company & brand references

TrendsOnFire content references named companies, brands, organisations, and individuals in the context of market trend analysis and editorial commentary. The following applies to all such references:

• All company and brand names, logos, and trademarks mentioned on this site are the property of their respective owners. Mention of any company, brand, or product does not imply affiliation with, endorsement by, or sponsorship from that entity
• Analysis and commentary about named companies — including assessments of strategy, performance, financial situation, or market position — is editorial opinion based on publicly available information. It does not constitute a statement of fact, a legal determination, or a formal analyst rating
• References to companies in financial difficulty, bankruptcy, restructuring, or regulatory scrutiny are based on publicly reported information and are not intended to harm the reputation of those entities or their stakeholders
• Market position assessments (e.g., "struggling," "winning," "at risk") are editorial shorthand for trend analysis and should not be taken as definitive commercial or legal conclusions
• TrendsOnFire has no commercial relationship with any of the companies it analyses unless explicitly disclosed

Opinions expressed about named companies are reasonably held based on information publicly available at the time of publication, and are subject to change as circumstances develop.

If you represent a company mentioned on this site and believe content about your organisation is factually incorrect, please contact us at olga.bressers@gmail.com. We review all correction requests promptly.

7. Forward-looking statements & forecasts

TrendsOnFire content frequently includes forward-looking statements — projections, market forecasts, growth estimates, and scenario analyses. These are identified by words such as "may," "will," "expect," "forecast," "estimate," "predict," "could," "bull case," "bear case," and similar expressions.

All forward-looking statements are subject to significant uncertainty and risk. Actual outcomes may differ materially from forecasts due to:

• Changes in macroeconomic conditions, interest rates, and liquidity
• Regulatory changes at EU, national, or international level
• Competitive dynamics and market disruptions
• Geopolitical events, crises, or black swan events
• Technological changes that alter market dynamics
• Company-specific developments not predictable at time of publication

Forecasts and scenarios cited on this site are sourced from third-party analyst research or represent editorial scenarios for illustrative purposes. They do not represent guarantees, commitments, or formal analyst coverage. TrendsOnFire accepts no liability for decisions made on the basis of forward-looking content.

8. Salary & labour market data

TrendsOnFire publishes salary indices, executive compensation benchmarks, layoff trackers, and other labour market analyses. The following limitations apply:

• Salary figures represent market observations derived from publicly available sources (job postings, industry surveys, published reports) and are not the result of formal, certified compensation surveys
• Individual compensation depends on many factors not captured in aggregate data, including company size, sector, location, scope of role, performance, negotiation, and benefits structure
• Layoff and redundancy data is sourced from public announcements, news reports, and company filings — completeness and accuracy cannot be guaranteed
• All figures are indicative and may be outdated by the time of reading
• No content in TrendsOnFire salary or workforce sections constitutes HR advice, employment law guidance, or a basis for legal proceedings

9. Income & earning potential claims

TrendsOnFire publishes content about side income opportunities, freelance rates, student jobs, and earning potential (e.g., the Student Side Jobs and related content). The following limitations apply to all such content:

• Hourly rate ranges and income estimates are indicative market observations sourced from job platforms, industry reports, and publicly available data — they are not guaranteed earnings
• Actual income depends on individual skill level, experience, location, effort, market conditions, platform algorithms, client demand, and many other factors
• References to AI-related or digital earning opportunities reflect a rapidly changing market — income potential can change significantly in a short period
• Content does not account for tax obligations, platform fees, equipment costs, or other expenses that affect net income
• Individual results will vary. No income guarantee or projection is implied or warranted

10. Education, grants & government data

TrendsOnFire publishes content about universities, grants, scholarships, and government programmes (including UWV and Dutch/EU public sector topics). The following limitations apply:

• Grant amounts, application deadlines, and eligibility criteria change frequently. Always verify current details directly with the relevant institution, government body, or programme office
• University rankings, tuition fees, and programme availability are subject to change annually. Verify with individual universities before applying
• Content about government agencies (such as UWV) reflects editorial analysis of publicly reported information and is not an official communication from or endorsement by those agencies
• Nothing in education content constitutes immigration advice, application guidance, or enrolment support

11. Liability & exclusions

To the maximum extent permitted by applicable law, Olga Bressers and TrendsOnFire accept no liability whatsoever for:

• Direct, indirect, incidental, special, or consequential loss or damage arising from the use of, or reliance on, any information published on this site
• Financial loss — including from investment decisions, cryptocurrency purchases, trading activity, or business decisions — made on the basis of content on this site
• Business decisions, investments, hiring decisions, restructuring, or strategic changes made on the basis of content on this site
• Errors, omissions, inaccuracies, or outdated information in any content
• Temporary or permanent unavailability of the website
• Actions, omissions, insolvency, or conduct of any third parties referenced on this site
• Any damage resulting from the use of external websites linked from this site
• Any claim arising from the use of AI-assisted content generation tools in the production of content

By using this website, you acknowledge that you do so entirely at your own risk, and that you will independently verify any information before acting on it.

Nothing in this disclaimer excludes or limits liability where such exclusion or limitation is not permitted under applicable EU or Dutch consumer protection laws, including the EU Consumer Rights Directive and Book 6 of the Dutch Civil Code (Burgerlijk Wetboek).

12. Editorial independence

TrendsOnFire is an independently operated editorial platform. All analytical content, trend assessments, and commentary reflect the professional judgement of the author and are not influenced by commercial relationships, advertising relationships, or third-party payments.

• No company, brand, or organisation pays for editorial coverage, ranking, assessment, or inclusion on this site
• The site does not currently carry paid advertising or sponsored content. If this changes in future, sponsored content will be clearly labelled
• Mentions of companies, products, or services in trend analyses are editorial observations, not commercial endorsements or paid placements

13. Intellectual property & trademarks

All original content on TrendsOnFire — including but not limited to texts, analyses, indices, trackers, data visualisations, commentary, design, the TrendsOnFire name, logo, and code — is the intellectual property of Olga Bressers / TrendsOnFire and is protected by copyright and applicable intellectual property rights.

Without prior written permission, it is not permitted to:

• Copy, reproduce, or distribute our content in whole or in part for commercial purposes
• Commercially exploit our analyses, trackers, indices, or dashboards
• Scrape, systematically index, or use the website or its content for training AI models, machine-learning systems, or large language models
• Use the TrendsOnFire brand name, logo, or domain in a way that may cause confusion or imply affiliation

Citing or linking to our content in editorial contexts (e.g., in an article, blog, or social media post) is permitted provided you include a clear attribution and hyperlink to the original page. For any other uses, please contact olga.bressers@gmail.com.

Third-party trademarks

All company names, brand names, product names, and trademarks mentioned on TrendsOnFire that are not owned by Olga Bressers / TrendsOnFire are the property of their respective owners. Their use on this site is for editorial identification and informational purposes only and does not imply any affiliation with, sponsorship by, or endorsement by those trademark owners.

14. External links

This website contains links to external websites operated by third parties. These links are provided for informational purposes only. TrendsOnFire is not responsible for:

• The content, accuracy, or completeness of external websites we link to
• The privacy policy, cookie settings, or security practices of external websites
• Products, services, or content offered on external websites — including cryptocurrency exchanges, financial platforms, or third-party information providers
• Any financial or other damage resulting from the use of external websites

Linking to an external website does not imply endorsement of its content, products, or services. We recommend reading the terms, privacy policy, and regulatory status of any third-party platform before using it.

15. Applicable law & disputes

This disclaimer, the content of TrendsOnFire, and all disputes arising from them are governed exclusively by Dutch law.

Disputes shall be submitted exclusively to the competent court in the Netherlands. Consumers in the EU may also use the European Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

If any provision of this disclaimer is found to be invalid or unenforceable under applicable law, the remaining provisions remain in full force and effect.

TrendsOnFire reserves the right to modify this disclaimer at any time without prior notice. The most current version is always available on this page. By continuing to use the website after any modification, you accept the most recent version of this disclaimer.

Version: 2.0  ·  Last updated: 29 March 2026