Site Governance

Website Terms & Disclaimer

Effective July 29, 2026

These terms apply to your use of michaelbao.io. The site is operated independently by Michael Bao from Beijing, China.

Informational Content

Articles, Active Advisories, frameworks, diagrams, and other public material on this site are provided for general informational and analytical purposes. They are not legal, regulatory, medical, financial, investment, engineering, or other professional advice, and they are not a substitute for independent due diligence or advice tailored to your circumstances.

Public analysis may rely on sources available at the time of publication and is dated accordingly. Michael Bao does not represent that public material will always be complete, current, error-free, or suitable for a particular decision. Readers remain responsible for evaluating the relevance of information to their own circumstances.

No Professional Engagement Through the Site

Submitting a form, requesting a briefing, downloading a document, or corresponding through this site does not create a client, advisory, fiduciary, or other professional relationship. Any professional engagement is subject to a separately agreed written scope, fees, confidentiality terms, and other applicable terms. If a signed agreement exists, it governs that engagement and prevails over these website terms where the two conflict.

Methods and Intellectual Property

The site's text, visual systems, named analytical frameworks, and other original material are protected by applicable intellectual-property laws. You may quote or link to public material with appropriate attribution, but you may not reproduce, sell, license, or present it as your own without prior written permission, except where applicable law permits otherwise.

Submissions

Please do not submit confidential, regulated, or sensitive personal information through public website forms unless and until an appropriate written arrangement is in place. You are responsible for ensuring that information you submit may lawfully be shared for the stated request.

Privacy

Personal-information handling is described in the Privacy Policy. Optional analytics can be controlled at any time through in the site footer.

Governing Framework

To the extent permitted by applicable law, these website terms are governed by the laws of the People's Republic of China. Nothing in these terms limits rights that cannot be excluded under applicable law. Questions about this site may be directed to ops@michaelbao.io.

Changes

These terms may be updated when the site's services, forms, or governance practices change. The effective date above identifies the current version.