Terms & Conditions

The Site is operated by Jack Dishman. Payments made through the Site are made to DISH CORP, Jack Dishman's company. Together they are "we", "us", or "our". "You" means anyone who uses the Site, subscribes to the newsletter, or makes a payment.

These Terms apply to your use of the Site and to every payment made through it. They incorporate our Privacy Policy. Consulting, engineering, advisory, or other services are provided only under a separate written agreement, proposal, invoice, or statement of work (an "Engagement Agreement"). If an Engagement Agreement conflicts with these Terms, the Engagement Agreement controls for that engagement.

You must be at least 18 years old and able to form a binding contract to make a payment through the Site.

What a payment is

The payment page lets you send money to DISH CORP for a purpose you describe in the "reason for payment" field. Typical purposes are settling an invoice, paying a fee agreed in an Engagement Agreement, paying for time or services already provided, or making a voluntary contribution as thanks for the writing.

The reason you enter

The reason for payment is a description for our records and your receipt. Entering a reason does not by itself create an agreement for us to perform any service, deliver anything, meet any deadline, or achieve any result. Any such obligation exists only under an Engagement Agreement.

Voluntary contributions

A payment made as thanks, support, or a tip is a gift to DISH CORP. Nothing is owed in return, and it is not tax-deductible.

Processing

Payments are processed by Stripe, Inc. By paying you also agree to Stripe's terms and privacy policy. All amounts are in US dollars. Your bank or card issuer may charge you currency-conversion or other fees, which are your responsibility. Amounts do not include any sales, use, or similar taxes unless stated; where tax applies you are responsible for it.

Your promises when you pay

• You are authorized to use the payment method and, if paying on behalf of a company, authorized to bind it.
• The name, contact details, and reason for payment you provide are accurate.
• You are not using the payment page to test stolen payment credentials, launder money, or for any other unlawful purpose.

All payments are final. Except as expressly stated in this section or required by applicable law, payments made through the Site are non-refundable and cannot be cancelled once submitted.

When we will refund

• Duplicate payments, or a payment in an amount that is obviously mistaken (for example, an extra zero), if you tell us within 14 days of the payment.
• A payment we cannot match to any payer, invoice, or purpose after trying to reach you.
• Any refund that an Engagement Agreement or applicable law requires us to make.

When we will not refund

• You changed your mind after paying.
• You are unhappy with an opinion, recommendation, design choice, or other subjective outcome, or with a business or investment result.
• Work described in the reason for payment or an Engagement Agreement was completed as described.
• You did not use time, sessions, or services you paid for, or you missed or cancelled a scheduled session without the notice your Engagement Agreement requires.
• The payment was a voluntary contribution.
• A third party, such as your employer or your own client, declines to reimburse you.
• You disagree with the content of the writing on the Site.

Discretionary refunds

We may, at our sole discretion, refund all or part of a payment in circumstances not listed above. Doing so once does not oblige us to do so again. Refunds go back to the original payment method and typically appear within 5 to 10 business days for cards and up to 3 business days for bank debits. Payment-processing fees are not returned to us when we refund, and we may deduct them from any discretionary refund to the extent the law allows.

Chargebacks and disputes

Before disputing a payment with your bank or card issuer, you agree to email me@jackdishman.com describing the problem and to give us 10 business days to respond. Most problems are misunderstandings that we can fix faster than a bank can.

A chargeback filed for a reason listed under "When we will not refund", or filed without first contacting us, is a breach of these Terms. We will contest it using our records, which include the amount, the reason for payment you entered, the date and time you accepted these Terms, your IP address and email, and any Engagement Agreement or correspondence. We may decline future payments or services from anyone who files a chargeback in bad faith, and we may recover the disputed amount, bank fees, and reasonable collection costs to the extent the law allows.

Failed or reversed payments

If a bank debit or other payment fails or is reversed after services have been provided, the amount remains due and payable.

Subscribing is free and requires you to confirm your email address. You can unsubscribe at any time using the link in every email. We decide who is granted access to subscriber-only writing and may approve, deny, or revoke access at our discretion.

Subscriber-only writing is for your personal use. Do not share access links, forward gated articles in full, or republish them without written permission.

Unless otherwise noted, the writing, images, code, and design on the Site are owned by Jack Dishman and protected by copyright and other laws. You may read, link to, and quote short excerpts with attribution and a link back. Search engines and AI crawlers may index the Site and use it to train machine-learning models, as permitted by the Site's robots.txt. Otherwise, you may not copy, republish, or sell the content without written permission. Trademarks and logos of third parties belong to their owners.

• Do not probe, scan, or test the Site's security, or interfere with its operation.
• Do not scrape the Site or access it with automated tools, except search engines and AI crawlers that follow robots.txt.
• Do not use the payment page for fraud, card testing, money laundering, or any unlawful purpose.
• Do not impersonate anyone or submit false information.

We may block, rate-limit, or refuse service to anyone who violates these rules, and we may report unlawful activity to payment processors and authorities.

The Site relies on and links to services we do not control, including Stripe for payments and Cal.com for scheduling, as well as GitHub, LinkedIn, X, Farcaster, and Instagram. Their terms govern your use of them, and we are not responsible for their content, availability, or practices.

The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. We do not promise the Site will be uninterrupted or error-free.

The writing on the Site reflects personal opinion and experience. It is not legal, financial, investment, tax, or professional engineering advice, and content about blockchains, tokens, or markets is not a recommendation to buy or sell anything. Professional services are provided only under an Engagement Agreement, which sets out its own warranties, if any.

To the fullest extent permitted by law, Jack Dishman and DISH CORP are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, arising from your use of the Site or any payment made through it, even if we were advised such damages were possible.

Our total liability for all claims relating to the Site or a payment made through it is limited to the greater of the amount you paid through the Site in the 12 months before the claim arose or 100 US dollars. Liability for services provided under an Engagement Agreement is governed by that agreement.

Some jurisdictions do not allow certain limitations. In those places our liability is limited to the smallest amount the law permits, and nothing in these Terms removes rights that consumer law gives you and that cannot be waived.

You agree to defend and indemnify Jack Dishman and DISH CORP against claims, losses, and reasonable costs, including legal fees, arising from your breach of these Terms, your misuse of the Site, or a payment you made without authority to use the payment method.

These Terms are governed by the laws of the State of the United States in which DISH CORP is organized, without regard to conflict-of-law rules. Any dispute that we cannot resolve informally will be brought exclusively in the state or federal courts located in that State, and you consent to their jurisdiction. Either party may instead bring a qualifying claim in small-claims court.

Before filing any claim, you agree to email me@jackdishman.com with a description of the dispute and to try in good faith to resolve it for 30 days.

We may update these Terms by posting a new version with a new effective date. The version in effect when you made a payment governs that payment. Continued use of the Site after a change means you accept the new Terms.

• If any part of these Terms is unenforceable, the rest remains in effect.
• Our failure to enforce a provision is not a waiver of it.
• You may not assign these Terms. We may assign them in connection with a transfer of the Site or the business.
• These Terms, the Privacy Policy, and any Engagement Agreement are the entire agreement between you and us about the Site and payments made through it.
• You agree to receive notices from us electronically at the email address you provided.

Questions about these Terms: me@jackdishman.com.