Welcome to morgansnyder.substack.com (the "Publication"), a newsletter and content platform operated by Morgan Snyder ("I," "me," or "my"). By accessing or using this Publication, including subscribing, reading, commenting, or otherwise engaging with the content, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use the Publication.

1. Acceptance of Terms

These Terms govern your use of the Publication and any associated services, including paid subscriptions, comments, and interactions with content. As the Publication is hosted on Substack, you are also subject to Substack's Terms of Use and Privacy Policy. In the event of a conflict between these Terms and Substack’s policies, Substack’s policies will take precedence.

2. Eligibility

To use this Publication, you must:

• Be at least 13 years old (or the minimum age required in your jurisdiction to use online services without parental consent).

• Not be barred from using the Publication under applicable law.

3. Content and Intellectual Property

• Ownership: All content published on morgansnyder.substack.com, including text, images, and other media (unless otherwise stated), is my intellectual property or used with permission. You may not reproduce, distribute, or create derivative works from this content without my express written consent, except as permitted under fair use or other applicable copyright laws.

• Personal Use: You are granted a limited, non-exclusive, non-transferable license to access and read the content for personal, non-commercial use. Paid subscribers receive access to exclusive content as described in their subscription tier, subject to these Terms.

• User Contributions: If you leave comments or send feedback (e.g., via email or Substack’s comment system), you grant me a perpetual, royalty-free license to use, reproduce, and display your contributions in connection with the Publication. Don’t submit anything you wouldn’t want shared publicly.

4. Subscriptions and Payments

• Paid Subscriptions: Some content on the Publication may require a paid subscription. Subscription fees, billing frequency, and benefits are outlined on the subscription page. Payments are processed through Substack’s payment processor (Stripe), and you agree to their terms as well.

• Refunds: Refunds are not offered for subscription fees unless required by law. If you’re unhappy with the Publication, you can cancel your subscription at any time through Substack’s account settings.

• Cancellation: You may cancel your subscription at any time, but fees already paid are non-refundable. Access to paid content will continue until the end of your billing cycle.

• Price Changes: I reserve the right to change subscription prices at any time. You’ll be notified of any price changes in advance, and they will apply to your next billing cycle.

5. Code of Conduct

When engaging with the Publication (e.g., through comments or direct messages), you agree to:

• Not post or share content that is unlawful, defamatory, harassing, abusive, or otherwise objectionable.

• Not impersonate others or misrepresent your identity.

• Not spam, troll, or engage in behavior that disrupts the community. I reserve the right to moderate comments and remove any content that violates these Terms, at my sole discretion.

6. Disclaimers

• Content: The content on morgansnyder.substack.com is for informational, entertainment, or personal reflection purposes only. I make no warranties about the accuracy, completeness, or reliability of the content. Your reliance on any information is at your own risk.

• Availability: I strive to keep the Publication accessible but cannot guarantee uninterrupted access. Technical issues, maintenance, or other factors may cause temporary downtime.

• Third-Party Links: The Publication may contain links to third-party websites or services. I’m not responsible for their content, policies, or practices.

7. Limitation of Liability

To the fullest extent permitted by law, I will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Publication, including but not limited to loss of data, profits, or opportunities. My total liability to you for any claim will not exceed the amount you paid (if any) for accessing the Publication in the prior 12 months.

8. Termination

• I may terminate or suspend your access to the Publication (including paid subscriptions) at my discretion, with or without notice, for any reason—including violations of these Terms.

• You may stop using the Publication or cancel your subscription at any time. Upon cancellation or termination, your access to paid content will cease, but these Terms will still apply to prior use.

9. Changes to These Terms

I may update these Terms from time to time. If I make significant changes, I’ll notify subscribers via email or a post on the Publication. Your continued use of the Publication after changes are posted constitutes acceptance of the updated Terms.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of Utah, USA, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Publication will be resolved in the courts of Utah, and you consent to their jurisdiction.

11. Contact Information

If you have questions about these Terms or the Publication, you can reach me at morgan@thoughtleadertoday.com.