服务条款｜Terms of Service

本网站moneyandjoy.org（阿兰说美股，Money and Joy）由INNERVISTA ONLINE LLC运营。

This website, moneyandjoy.org (Money and Joy), is operated by INNERVISTA ONLINE LLC.

中文股票市场教育内容，包括录像课程，以及按月订阅的会员服务（会员直播,会员群内容等）。全部是数字教育内容，不寄送实物。

Chinese-language stock market education, including recorded video courses and monthly membership services (member live sessions, member group content, etc.). All products are digital educational content; nothing is shipped.

所有课程与会员内容仅供学习与交流，不构成任何投资建议，我们也不代客操作。投资有风险，任何投资决定由你本人做出并承担结果。

All courses and membership content are for education only and are not investment advice. We do not manage accounts or trade on anyone's behalf. Investing involves risk; you make and are responsible for your own investment decisions.

课程价格以网站标示为准，以美元计价。

Prices are as shown on the website, in US dollars.

付款确认后，我们通过本网站账户,电子邮件或Telegram交付课程或会员入口。交付的含义见[退款政策]。

After payment is confirmed, we deliver course or membership access through your website account, email or Telegram. See the Refund Policy for what counts as delivery.

会员订阅：会员按月以信用卡自动扣款，扣款日固定不变。升级立即生效，只按本期剩余天数补差价；降级自下一个扣款日起生效；可随时取消，取消后本期结束前仍可使用，到期不再扣款，已扣的本期费用不退。

Memberships are billed monthly to your card on a fixed billing date. Upgrades take effect immediately, and you pay only the prorated difference for the rest of the current period. Downgrades take effect on your next billing date. You may cancel at any time; you keep access until the end of the current paid period, no further charges are made, and the current period is not refunded.

按本网站[退款政策]办理。

Refunds are handled according to our Refund Policy.

课程与会员内容的版权归INNERVISTA ONLINE LLC所有，仅供购买者本人学习使用，不得转发,转售,录制或公开传播。违反者我们可以停止其课程和会员资格，且不退款。

All course and membership content is owned by INNERVISTA ONLINE LLC and is for the purchaser's personal study only. It may not be shared, resold, recorded or published. We may end access without refund if these rules are broken.

请妥善保管你的账户和收到的入口链接，不要转给他人。

Please keep your account and any access links private and do not pass them to others.

本条款如有更新，会在本页公布并注明日期。本条款适用美国怀俄明州法律。

We may update these terms and will post the changes and date on this page. These terms are governed by the laws of the State of Wyoming, USA.

innervistallc@gmail.com

innervistallc@gmail.com