📜 Terms of Use – Team IB

Welcome to Team IB. By subscribing to or accessing our publication on Substack, you agree to the following terms. Please read them carefully.

1. Purpose of Content

• All posts, essays, and commentary on Team IB are for informational and educational purposes only.

• We are students and independent writers, not professionals providing legal, financial, or policy advice.

• Any decisions made based on our content are the responsibility of the reader.

2. Intellectual Property

• All content published on Team IB (including text, images, graphics, and original analysis) is the property of Team IB unless otherwise credited.

• You may share excerpts or links to our posts, provided proper credit is given and no modifications are made.

• Reposting or republishing full posts without permission is not allowed but restacking is.

• We are humans and not robots so we can make errors also and we may unintentionally forget to give credit to the source, so don’t worry just reach us out at the email given below and do tell before doing anything and we’ll really appreciate that.

3. Subscription & Access

• By subscribing, you agree to receive newsletters, updates, and communications from Team IB through Substack.

• Paid subscriptions (if offered) are managed securely by Substack and its payment providers.

• We reserve the right to update subscription offerings, pricing, or benefits at any time.

4. Community Guidelines

• We encourage respectful discussion in comments and community spaces.

• Hate speech, spam, harassment, or disinformation will not be tolerated, and such users may be removed without notice.

5. External Links

• Our posts may contain links to external sites. We are not responsible for the content, accuracy, or practices of third-party websites.

6. Disclaimer of Liability

• Team IB is not liable for any losses, damages, or issues arising from reliance on the information we provide.

• Content is based on our independent research, opinions, and perspectives, which may not always be complete or error-free.

7. Changes to Terms

• We may update these Terms of Use from time to time. Updates will be posted here and apply immediately upon publication.

8. Contact

For questions regarding these Terms, you can reach us at:
📩 [teamib@substack.com]