Terms of Use

Effective [EFFECTIVE DATE]. Last updated November 7, 2026.

These terms are an agreement between you and [OPERATOR] ("The Forum", "we", "us") about your use of The Forum app and the website at [DOMAIN]. Please read them. By using The Forum you agree to them. When you create an account, you also confirm you are 18 or older, agree to our Community Rules, and confirm you have read our Privacy Policy. If you don't agree, don't use The Forum.

The short version

• The Forum is for adults (18 or older) in the United States.
• Reading is free without an account. Saving stories, voting and commenting need one.
• You comment under your own full legal name, and you are responsible for what you post.
• The Forum's own stories are written with AI from public records and checked before they are published, but they can still contain mistakes. The Forum reports the news: it isn't investment, financial or other professional advice, and in an emergency follow official instructions.
• Break the Community Rules and we may remove your comments or close your account.
• You can delete your account at any time from inside the app.

1. Who can use The Forum

You can use The Forum if you are 18 or older, live in the United States, can form a binding contract, and are not barred from using The Forum by law or by an earlier decision of ours to close your account. You may have one account.

2. Your account

• Your real name. Your display name must be your own full legal name, the name on your government ID. Don't use a nickname, someone else's name, or a made-up name. We don't ask for ID, but we may ask you to confirm your name if someone reports it, and we may suspend an account whose name looks false.
• Your email. Use an email address that you control. We send sign-in codes to it. Keep access to your email secure, because anyone who can read it can sign in as you. Tell us at thane@th.enterprises if you think someone else has used your account.
• Deleting your account. You can delete your account at any time in the app (Account, then Delete account). Our Privacy Policy explains what happens to your information.

3. What The Forum is, and what it isn't

• AI-written stories. The Forum writes its own stories with AI from public records, official data and company filings. A second AI model checks each claim against those sources before a story is published, and every story lists its sources. Even so, stories can contain errors or leave things out, and the narration can mispronounce words. Check the sources before you rely on a story, and tell us about mistakes with Report an error. We show corrections on the story.
• Partner stories. Some stories are republished from partner newsrooms under their licenses, as their reporters wrote them, with credit. Those newsrooms own their stories.
• Market figures. The figures on the Markets board are official end-of-day data, not live prices, each shown with the date it applies to. The exchange rates are the European Central Bank's euro reference rates, which the ECB publishes for information only; the dollar rates for the yen, pound and Australian dollar are worked out by The Forum from them. Don't use them for trading.
• Not advice. Nothing on The Forum is legal, financial, investment, tax, medical or other professional advice. Talk to a qualified professional about your situation.
• Not an emergency service. Weather, safety and health alerts on The Forum may be late or incomplete. In an emergency, follow instructions from official sources such as the National Weather Service and local authorities, and call 911.
• Offline reading. The Forum tries to download stories before you lose signal, but we can't promise a story will be on your phone when you need it.

4. Community Rules

Everyone who comments agrees to these rules.

1. Use your real name. Your full legal name is shown on everything you post. Accounts with fake names are removed.
2. Be civil. No harassment, threats, slurs or hate speech, and no attacks on people for who they are.
3. Argue with ideas, not people. Disagree as hard as you like about the story. Say where your facts come from.
4. Keep it real. No spam, ads, scams or misleading claims, and no impersonating anyone.
5. Respect privacy. Never post other people's private details, addresses or photos.
6. We act on reports. Comments that break these rules are removed, and repeat or serious breaches end accounts.

You also must not:

• post anything illegal, or anything that encourages violence or illegal acts;
• post sexual content, or any content that sexualizes minors, which we report to the National Center for Missing & Exploited Children;
• post or link to intimate images of anyone shared without their consent;
• post content that infringes someone else's copyright, trademark or other rights;
• post malware or links to scams or phishing;
• manipulate votes, including with extra accounts, automation or coordinated voting;
• scrape, copy or republish The Forum's stories or comments in bulk, or use them to train AI models, except as the law allows;
• use bots or automated tools to create accounts, post or vote;
• try to get around blocks, bans or our security, or interfere with how The Forum works;
• reverse engineer the app, except where the law allows it;
• use The Forum to advertise or sell anything without our written permission.

5. What you post

• It stays yours. You keep ownership of your comments.
• Permission you give us. So we can run The Forum, you give us a worldwide, non-exclusive, royalty-free license to host, store, copy, display, format and distribute your comments in The Forum and in materials that promote The Forum, and to let our service providers do the same for us. This license ends when your comment is deleted, except for copies in backups for the time described in our Privacy Policy, and any copy we must keep by law.
• Your responsibility. You are responsible for what you post. You confirm that you have the right to post it and that it doesn't break these terms or the law. Other members' comments are their own views, not The Forum's.
• Feedback. If you send us ideas or suggestions, we may use them without paying you.

6. Moderation, reports and appeals

• We use automated tools, including AI, and human review to find comments that break the rules. A comment reported by three different members is hidden until a person reviews it.
• We may remove or hide any comment, limit what an account can do, or suspend or close an account, if we reasonably believe it breaks these terms, risks harm to anyone, or exposes The Forum to legal risk. We aren't required to review everything posted.
• You can report any comment from its ⋯ menu, and block anyone. Blocked members' comments disappear for you.
• If we act on your comment or account and you think we got it wrong, email thane@th.enterprises within 30 days. A person will review it and reply.

7. Copyright complaints

We respect copyright and respond to notices under the Digital Millennium Copyright Act (DMCA). If you believe something on The Forum infringes your copyright, send our designated agent a notice that includes:

1. your physical or electronic signature;
2. the copyrighted work you say is infringed;
3. where the material is on The Forum, with enough detail for us to find it;
4. your name, address, phone number and email;
5. a statement that you have a good-faith belief the use isn't authorized by the copyright owner, its agent or the law; and
6. a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner.

Designated agent: [DMCA AGENT], [ADDRESS], thane@th.enterprises.

If your comment was removed after a notice and you believe that was a mistake, you can send a counter-notice as the DMCA allows. We close the accounts of people who repeatedly infringe.

8. The Forum's content and your license to use it

The Forum, its stories, design, software and The Forum name and logo belong to us or our licensors. We give you a personal, non-exclusive, non-transferable, revocable license to use the app for your own non-commercial reading, sharing stories with the share button, and taking part in discussions, while you follow these terms. Partner stories are used under their newsrooms' licenses.

9. Ads

The Forum is free to read. It may show ads, clearly labeled, between stories. Advertisers are responsible for their ads and for anything they sell. We don't endorse them.

10. Other services and links

Stories link to their sources and partners, and The Forum relies on services from Apple, Google and others. We aren't responsible for websites or services we don't control, and their own terms apply when you use them.

11. Apple

If you got The Forum from Apple's App Store:

• These terms are between you and us, not Apple. Apple isn't responsible for The Forum or its content.
• Apple has no obligation to provide maintenance or support for The Forum.
• If The Forum fails to meet a warranty that applies by law, you can tell Apple, and Apple will refund the price you paid for the app, if any. Apple has no other warranty obligation for The Forum.
• We, not Apple, are responsible for handling any claims about The Forum, including product liability claims, claims that The Forum breaks a law or regulation, and consumer protection or privacy claims.
• If someone claims The Forum or your use of it infringes their intellectual property, we, not Apple, will investigate and deal with that claim.
• You confirm you are not in a country under a US government embargo or designated as a "terrorist supporting" country, and you aren't on a US government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms and can enforce them against you.
• You must also follow the App Store's own terms when you use The Forum.

12. Changes to The Forum and to these terms

We are always improving The Forum, so features may change, and we may stop offering The Forum. If we stop offering The Forum, we will tell you in advance where we reasonably can. If we change these terms in a way that matters, we will tell you in the app or by email at least 30 days before the change takes effect, unless the change is needed sooner for legal or safety reasons. If you keep using The Forum after the change takes effect, the new terms apply. If you don't agree, you can delete your account.

13. Ending this agreement

You can stop using The Forum and delete your account at any time. We may suspend or close your account if you break these terms, if the law requires it, or if we stop offering The Forum. Sections 5 (for content already shared), 8, and 13 to 18 continue after this agreement ends.

14. Disclaimers

The Forum is provided "as is" and "as available". To the extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We don't promise that The Forum will be uninterrupted, error-free or secure, or that stories will be complete, accurate or up to date.

15. Limits on our liability

To the extent the law allows:

• we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill, arising from your use of The Forum or from content posted by others; and
• our total liability for any claim about The Forum is limited to US$100.

These limits don't apply to liability that can't be limited by law, such as for our gross negligence, willful misconduct, or death or personal injury we cause.

16. Indemnity

If someone brings a claim against us because of content you posted or because you broke these terms or the law, you agree to cover our reasonable costs of that claim, including reasonable lawyers' fees, to the extent the claim was caused by you. We will tell you about the claim and let you take part in the defense.

17. Disputes

• Talk to us first. Most problems can be solved quickly. Before starting a legal claim, email thane@th.enterprises describing the problem and what you want, and give us 60 days to try to resolve it.
• Governing law. These terms are governed by the laws of [GOVERNING STATE] and applicable US federal law, without regard to conflict of law rules.
• Where. Claims must be brought in the state or federal courts in [COUNTY], [GOVERNING STATE], unless they qualify for small claims court, which you may use in your own county.
• Your rights as a consumer. Nothing in these terms takes away rights you have under the laws of the state where you live that can't be changed by contract.

18. General terms

• These terms, the Community Rules and the Privacy Policy are the whole agreement between you and us about The Forum.
• If a court finds part of these terms unenforceable, the rest still applies.
• If we don't enforce a term right away, we can still enforce it later.
• You can't transfer your rights under these terms. We may transfer ours to a company that takes over The Forum.
• We aren't responsible for delays or failures caused by events outside our reasonable control.
• We may send you notices by email or in the app. You can send notices to thane@th.enterprises or [ADDRESS].
• The Forum is offered only in the United States and is subject to US export laws.

19. Accessibility

We want The Forum to work for everyone, including people who use screen readers, larger text or other assistive technology. Our Accessibility Statement explains what we do and how to tell us about a barrier.

20. Contact

[OPERATOR], [ADDRESS]. Email thane@th.enterprises.

California residents: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs can be reached at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210. The Forum is free to use.