Terms of Service

Effective Date: April 1, 2026

Last Updated: April 1, 2026

Welcome to TianPan.co. These Terms of Service ("Terms") govern your access to and use of the website located at https://tianpan.co (the "Site") and all related services provided by TianPan.co ("we," "us," or "our").

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site immediately.

1. Eligibility​

You must be at least 13 years old (or 16 in the European Economic Area) to use the Site. By using the Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

2. Account Registration​

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that violate these Terms.

3. Subscriptions and Payments​

3.1 Paid Services​

Certain content and features require a paid subscription. By subscribing, you agree to pay all applicable fees as described at the time of purchase.

3.2 Payment Processing​

Payments are processed by Stripe. By providing payment information, you agree to Stripe's Terms of Service. We do not store your full credit card details on our servers.

3.3 Recurring Billing​

Subscriptions automatically renew at the end of each billing cycle unless you cancel before the renewal date. You may cancel your subscription at any time through your account settings.

3.4 Refunds​

Refund requests are handled on a case-by-case basis. If you believe you are entitled to a refund, please contact us within 14 days of your purchase.

4. Intellectual Property​

4.1 Our Content​

All content on the Site — including but not limited to text, articles, graphics, logos, code, and software — is owned by or licensed to TianPan.co and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written permission, except as permitted under fair use or other applicable law.

4.2 User Content​

By submitting content to the Site (e.g., comments, forum posts), you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute such content in connection with the Site. You retain ownership of your content and may request its removal at any time.

4.3 Open Source and Attributed Content​

Some content on the Site may reference or include open-source materials or third-party works. Such materials remain subject to their respective licenses and attributions.

5. Acceptable Use​

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorized access to any part of the Site, other accounts, or computer systems
• Interfere with or disrupt the Site's infrastructure or other users' access
• Scrape, crawl, or use automated means to access the Site without our written consent
• Upload or transmit viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use the Site to send spam or unsolicited communications
• Circumvent or attempt to circumvent any access restrictions, including premium content gating

6. Third-Party Links and Services​

The Site may contain links to third-party websites and services. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites. Your use of third-party services is at your own risk and subject to their respective terms.

7. Disclaimers​

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• Any content is accurate, complete, or current
• Any defects will be corrected

The content on this Site — including articles on system design, software engineering, investing, and cryptocurrency — is for informational and educational purposes only and does not constitute professional, financial, legal, or investment advice.

8. Limitation of Liability​

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TIANPAN.CO AND ITS OWNER, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS GREATER.

9. Indemnification​

You agree to indemnify, defend, and hold harmless TianPan.co and its owner from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Termination​

We may suspend or terminate your access to the Site at any time, with or without cause, and with or without notice. Upon termination, your right to use the Site ceases immediately. Sections that by their nature should survive termination (including Disclaimers, Limitation of Liability, and Indemnification) will survive.

11. Governing Law and Dispute Resolution​

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles.

Any dispute arising from these Terms or your use of the Site shall first be resolved through good-faith negotiation. If unresolved within 30 days, either party may pursue binding arbitration under the rules of the American Arbitration Association in San Francisco, California. You agree to waive any right to a jury trial or to participate in a class action.

12. Changes to These Terms​

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

13. Severability​

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement​

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TianPan.co regarding your use of the Site and supersede any prior agreements.

15. Contact Us​

If you have any questions about these Terms, please contact us:

• Email: tian.pan at outlook.com
• Telegram: https://t.me/puncsky
• Website: https://tianpan.co