Terms of Service

Fortune & Ruin — effective July 30, 2026

1. What this service is

Fortune & Ruin produces original short-form educational video content about financial history (historical business collapses, market panics, and financial frauds whose cases are long closed). Our internal tools automate the publishing of this content to our own accounts on YouTube, TikTok, Instagram, and Facebook.

2. Single-operator use

These tools are operated solely by the owner of the connected accounts. They are not offered to the public, have no user registration, and do not act on behalf of any third party. All content published is our own original work.

3. Content standards

Our content is AI-assisted and clearly disclosed as such via each platform's synthetic media settings. Every video is fact-checked against public sources (cited on screen), covers only historical subjects (deceased persons, defunct companies, long-closed cases), and is intended for general audiences. We comply with each platform's community guidelines and terms of service.

4. Intellectual property

Narration scripts are original. Visual assets are licensed stock footage (Pexels and similar licensed providers). Music, when used, comes from licensed libraries.

5. Liability

Content is provided for educational and entertainment purposes only and does not constitute financial advice. We make reasonable efforts to ensure historical accuracy based on cited public sources.

6. Contact

Email: nexspireai@gmail.com

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