1. About the Service

Minto is an independent personal media outlet providing original financial commentary and research notes.

2. Acceptable Use

When using this site, you agree to:

• Comply with all applicable laws
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• Not use the content for misleading promotion or impersonation
• Respect copyright — attribution and prior consent required for reposts

3. Intellectual Property

All original content is the author's IP. Reproduction, modification, or commercial use requires written permission.

Fair use citations should credit "Minto" and link back to the original.

4. Invite-only Membership Content

Membership is currently invite-only and is not sold publicly. Public content remains open, while restricted articles and QuantEdge require invitation access.

Invitation codes and the access they grant are personal, non-transferable, and may not be shared publicly or used by a group.

5. Service Changes

We may modify, suspend, or terminate any part of the service at any time without prior notice.

6. Limitation of Liability

Content is for reference only and is not investment advice — see the Disclaimer page.

To the maximum extent permitted by law, we disclaim liability for losses arising from use of the content.

7. Governing Law

These terms are governed by the laws of the author's jurisdiction. Disputes are resolved through good-faith negotiation, then competent courts.

8. Updates

These terms may be revised; continued use implies acceptance.