The terms behind the rails.

How we collect, use, share, and protect personal information — including consumer reports, biometrics, SMS consent, cross-border storage, and your rights.

The agreement governing use of the platform — who pays, who owns an application, fees and refunds, disputes, acceptable use, and liability.

How we source, attribute, and correct what we publish — what we will not do, and where our writing stops short of advice.

The two categories of cookies we use, what we never use, and how to turn analytics on or off at any time.