NeilDobo

欢迎访问 NeilDobo 官方网站（www.neildobo.com，以下简称“本站”）。本服务条款（以下简称“本条款”）适用于所有访问者、用户及订阅者。

1. 免责声明与风险自担：本站所发布的所有内容（包括但不限于文章、音频、视频、图表、链接等）仅代表作者个人观点，属于信息分享与学术/行业交流性质。本站明确声明，任何内容均不构成投资、法律、财务或其他领域的专业建议。用户基于本站信息做出的任何决定，其风险由用户自行承担，本站及作者不承担任何直接或间接的法律责任。

2. 知识产权保护：本站所有独创性内容、品牌标识及域名的知识产权均归作者所有。未经作者明确书面授权，任何机构或个人不得对本站内容进行复制、转载、二次修改或商业化利用。合理引用请注明出处。

3. 订阅、服务变更及退款政策：本站通过第三方托管平台（Substack）提供免费及付费订阅服务。本站保留随时调整内容发布频率、收费标准及服务形式的权利。由于付费服务底层技术由第三方（如 Substack、Stripe）支持，关于付费订阅的扣款、取消及退款争议，将严格依据第三方平台的官方规则执行，本站不直接承担由技术或渠道导致的支付纠纷风险。

4. 管辖与条款修改：本站保留随时修改本条款的权利。修改后的条款一经发布即行生效。若发生法律纠纷，双方应友好协商解决；协商不成的，应提交至本站托管服务器所在地或作者所在地有管辖权的仲裁机构或法院裁决。

Welcome to NeilDobo (www.neildobo.com, hereinafter referred to as “the Site”). These Terms of Service (”Terms”) govern your access to and use of the Site.

1. Disclaimer: All content published on the Site is for informational and educational purposes only and represents the personal opinions of the author. It does not constitute professional investment, legal, financial, or other advice. Users assume full responsibility for any actions taken based on the information provided herein, and the Site/author shall not be held liable for any direct or indirect damages.

2. Intellectual Property: All original content, logos, and materials on the Site are the intellectual property of the author. Unauthorized reproduction, distribution, redistribution, or commercial use without prior written consent is strictly prohibited.

3. Subscriptions and Refund Policy: Paid and free subscription services are facilitated via a third-party platform (Substack). The Site reserves the right to modify content schedules, pricing, and service tiers. Any payment, cancellation, or refund disputes shall be governed by the standard policies of Substack and its integrated payment processors (e.g., Stripe).

4. Governing Law: The Site reserves the right to amend these Terms at any time. Any disputes arising from the use of the Site shall be subject to the jurisdiction of the competent courts in the author’s or service provider’s locality.