Terms of Service

1. Acceptance of Terms

Welcome to Social Finance Hub. These Terms of Service ("Terms", "Terms of Service") govern your access to and use of Social Finance Hub, the website located at www.socialfinance.top (the "Website" or "Service"), operated by Digital Lattice (Chengdu) Technology Co., Ltd. ("we", "us", "our", or "the Company").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you do not have permission to access the Service.

2. About Our Service

Social Finance Hub (the "Platform") is a non-profit research platform dedicated to advancing social finance knowledge through:

• Collection and dissemination of academic research papers
• Curated database of working papers and published studies
• Recommended books and educational resources
• Research datasets for academic purposes

The Platform operates as a non-profit research service. We do not sell user data, display personalized advertising, or use third-party advertising networks. Occasionally, we may feature references to other tools developed by Digital Lattice (Chengdu) Technology Co., Ltd. that may be useful for research purposes.

3. User Eligibility

By using our service, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into this agreement
• You will use the service in compliance with applicable laws

4. User Accounts and Registration

To access certain features of our service, you may be required to register for an account. When registering, you agree to:

• Provide accurate and complete registration information
• Maintain the security of your password and account
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

You have the right to delete your account and all associated personal data at any time through your account settings.

5. Content and Intellectual Property

5.1 Research Content

The academic papers, research documents, and literature references available on Social Finance Hub are collected from publicly available sources on the internet. We do not claim copyright ownership of these materials. All intellectual property rights remain with their respective authors and publishers.

5.2 Platform Content

The organization, presentation, and compilation of content on this platform, including but not limited to the website design, layout, and proprietary features, are owned by Digital Lattice (Chengdu) Technology Co., Ltd.

5.3 User-Generated Content

Any content you submit, upload, or share on our platform remains your property. However, by submitting content, you grant us a non-exclusive, royalty-free license to use, display, and distribute such content solely for the purpose of operating and improving our service.

6. Permitted Use

You may use our service for:

• Academic research and educational purposes
• Personal learning and knowledge acquisition
• Non-commercial research activities

7. Prohibited Activities

You agree not to:

• Use the service for any unlawful purpose or activity
• Attempt to gain unauthorized access to our systems or user accounts
• Distribute malware or engage in any activity that could harm our service
• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Use automated systems to scrape or download large amounts of content

8. Data Security and Privacy

We take data security seriously. All data transmission is encrypted using industry-standard protocols through our hosting providers (Vercel) and database services (Supabase). For detailed information about how we collect, use, and protect your personal information, please review our Privacy Policy.

9. Disclaimer of Warranties

Our service is provided "as is" without any warranties, express or implied. We do not guarantee:

• The accuracy, completeness, or timeliness of content
• Uninterrupted access to our service
• That the service will meet your specific requirements
• That any errors will be corrected

10. Limitation of Liability

To the maximum extent permitted by law, Digital Lattice (Chengdu) Technology Co., Ltd. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of our service.

11. Termination

We may terminate or suspend your account and access to our service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

You may terminate your account at any time by contacting us or using the account deletion feature in your profile settings.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days advance notice prior to any new terms taking effect.

13. Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of the People's Republic of China, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our service shall be resolved through:

• Good faith negotiations between you and Digital Lattice (Chengdu) Technology Co., Ltd.
• If unresolved, through mediation or arbitration in accordance with Chinese law
• Subject to the exclusive jurisdiction of the People's Courts with jurisdiction in Chengdu, Sichuan Province, China

14. Contact Information

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