Article 1 Purpose
歡迎您使用「博士寶金融科技學院」（以下簡稱「本平台」）所提供之服務。
Welcome to BOSBM FinTech Academy (hereinafter referred to as the "Platform").
本條款係規範使用者與本平台之權利義務關係。
These Terms of Use govern the rights and obligations between users and the Platform.
Article 2 Scope of Application
本條款適用於所有使用本平台服務之使用者。
These Terms apply to all users accessing or using the Platform.
使用者一經使用本服務，即視為同意本條款。
By using the Platform, you agree to be bound by these Terms.
Article 3 Nature of Services (Important Disclaimer)
本平台為金融教育與科技學習平台。
The Platform is an educational and financial technology learning platform.
提供內容包括但不限於：
The services include but are not limited to:
本平台不提供投資建議。
The Platform does NOT provide investment advice.
Article 4 Risk Disclosure
金融市場具有高度風險。
Financial markets involve substantial risk.
使用者應自行承擔所有交易風險。
Users bear full responsibility for any trading risks.
包括但不限於：
Including but not limited to:
👉 過去績效不代表未來結果
Past performance does not guarantee future results.
Article 5 Account Registration and Security
使用者應提供真實資料。
Users must provide accurate and complete information.
帳號不得轉讓或共享。
Accounts must not be shared or transferred.
使用者需自行負責帳號安全。
Users are responsible for maintaining account security.
Article 6 Intellectual Property
本平台內容均受智慧財產權保護。
All content is protected by intellectual property laws.
未經授權不得：
Without authorization, users may not:
Article 7 Automated Trading (EA) Disclaimer
EA僅供教育用途。
EA tools are for educational purposes only.
不保證獲利或穩定性。
No guarantee of profitability or stability is provided.
使用者須自行承擔風險。
Users assume all risks when using such tools.
Article 8 Third-Party Services
本平台可能連結第三方服務。
The Platform may integrate third-party services.
包括交易平台或券商。
Including brokers and trading platforms.
本平台不對第三方負責。
The Platform is not responsible for third-party services.
Article 9 Fees and Payment
部分服務需付費。
Certain services require payment.
費用將事先揭示。
Fees will be clearly disclosed.
付款後原則上不退款。
Payments are generally non-refundable.
Article 10 Instructor Responsibilities
講師需確保內容合法。
Instructors must ensure content legality.
不得宣稱保證獲利。
No guaranteed profit claims are allowed.
講師內容自行負責。
Instructors are solely responsible for their content.
Article 11 User Conduct
使用者不得從事以下行為：
Users shall not:
Article 12 Limitation of Liability
本平台不對投資損失負責。
The Platform is not liable for investment losses.
責任以已支付費用為上限。
Liability is limited to fees paid by the user.
Article 13 Termination
本平台可於必要時終止服務。
The Platform may suspend or terminate services when necessary.
包括違規或法規要求。
Including violations or legal requirements.
Article 14 Privacy
本平台依法保護個人資料。
The Platform protects personal data in accordance with applicable laws.
詳見隱私權政策。
Please refer to the Privacy Policy.
Article 15 Amendments
本平台得隨時修改條款。
The Platform reserves the right to modify these Terms.
修改後即時生效。
Changes take effect upon publication.
Article 16 Governing Law
本條款依中華民國法律。
These Terms are governed by the laws of Taiwan (R.O.C.).
爭議由台灣法院管轄。
Disputes shall be subject to the jurisdiction of Taiwan courts.
本平台致力於金融教育與科技發展。
The Platform is committed to financial education and technological advancement.
不提供投資保證。
No investment guarantees are provided.