You agree to the terms of service below, and the Terms of Use for Substack, the technology provider.
**Effective Date**: October 27, 2024
Welcome! These Terms of Service outline the rules for using the *Peering into the Void* Substack and its content. By subscribing or accessing our content, you agree to these terms.
1. **Subscription and Payments**
- **Monthly Subscribers**: Payments are non-refundable. Once you’re billed, that fee is final.
- **Annual and Founding Tier Subscribers**: You may cancel within **30 days** for a refund. However, we’ll deduct one month’s fee to cover services used during that time.
2. **Educational Content Disclaimer**
We provide discussions on finance and investing purely for **educational purposes**. We’re **not financial advisors** and do not give professional investment advice. Consult a licensed advisor before making any financial decisions.
3. **Content Access and Use**
- Subscribers receive weekly newsletters, and premium subscribers get extra content.
- All content is owned by *Peering into the Void*. You may not copy, distribute, modify, or create derivative works from the content for commercial purposes without express written consent. Subscribers are welcome to share brief excerpts for personal, non-commercial use, provided appropriate credit is given to *Peering into the Void*.
4. **Privacy Policy**
Your privacy is important to us. Please refer to our [Privacy Policy] for details on how we collect, use, and protect your personal information.
5. **Cancelling Your Subscription**
You can cancel anytime through your Substack settings:
- **Monthly Subscribers**: No refunds after cancellation.
- **Annual and Founding Subscribers**: Refunds are available within the first 30 days, as per the policy above.
6. **Changes to These Terms**
We may modify these terms at any time. Updates will be posted here, and significant changes will be communicated via email.
7. **Account Security**
You’re responsible for keeping your account credentials secure. If you think your account is compromised, let us know immediately.
8. **Liability Disclaimer**
We do not guarantee that the service will be uninterrupted, timely, or error-free. *Peering into the Void* is provided “as-is,” and we make no warranties regarding the accuracy, completeness, or reliability of the content. We are not liable for any damages, especially related to financial information shared here. We will not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use the service.
9. **Intellectual Property**
All content belongs to us and is protected by copyright law. You may not copy, distribute, modify, or create derivative works from the content for commercial purposes without express written consent. Sharing or repurposing any of it without permission is prohibited.
10. **Service Termination**
We reserve the right to suspend or terminate your subscription if you violate these terms, including but not limited to unauthorized sharing of content or misuse of the service. In such cases, you may not be eligible for a refund. We will attempt to notify you of any violations and allow a reasonable period to correct the breach before taking action.
11. **No Transfer of Subscription**
Subscriptions are non-transferable—you can’t sell or give your subscription to someone else.