Disclaimer

01The content is for information and education

Every article, tool and figure on Jinrong Xueyuan is meant to help you understand how something is done and what to watch out for—general information and education. None of it is investment, tax or legal advice tailored to your situation. We don't know your circumstances—income, debts, status, location, risk tolerance all differ—so we can't make decisions for you. For anything important, consult a licensed professional with the right qualifications.

02On the risk of crypto assets

This site discusses exchanges like Binance and crypto assets such as USDT. Please be clear that:

• Crypto prices swing sharply, and you can lose some or all of your money.
• Past performance doesn't predict the future; anyone's take on where prices go is an opinion, not a promise.
• Whether to take part, and how much, is for you to decide based on your own judgment and what you can afford to lose. We don't urge you to buy, and we don't urge you to sell.

03Compliance is on you

Opening an overseas bank account, funding an exchange, bringing money back home—these come under different laws, foreign-exchange rules and tax requirements depending on the country or region, and those change often. What this site describes is the general flow; it doesn't mean any of it is necessarily legal or applicable in your jurisdiction. Before you act, confirm for yourself that what you're doing complies with local law, including but not limited to foreign-exchange controls, tax reporting and anti-money-laundering requirements. When unsure, consult a local professional or the relevant authority.

04Fees and policy follow official pages

The account requirements, fees, rates, referral rates and promotion rules that appear in articles are what we saw when writing or checking, and the text usually notes roughly when we checked. But banks and exchanges change their rules very often, so we don't guarantee this information is still accurate or valid when you read it. For any specific figure, go by whatever the relevant platform's official site shows at the time. If you spot something out of date, please write and tell us.

05Third-party links aren't endorsements

This site links to banks, exchanges and other third-party sites so you can check official information for yourself. Those sites aren't run by us; their content, services and privacy practices are their own responsibility. Providing a link isn't an endorsement or guarantee of their products or services. Once you click away from this site, their terms apply.

06Referral disclosure

Jinrong Xueyuan is a promotional partner of Binance and similar platforms. When you sign up and trade through our referral code (currently BNTIKTOK) or links, the platform may pay us a referral at some rate. This doesn't add to your cost, and it doesn't change the judgments in our articles. The full note is on About Jinrong Xueyuan.