Effective Date: March 12, 2025

Last Updated: March 12, 2025

Welcome to The Long Memo (“Publication”), operated by Borderless Media, LLC (“Company,” “we,” “us,” or “our”).

These Terms of Service (“Terms”) govern your access to and use of The Long Memo, including its content, subscriptions, services, and communications hosted on Substack and other associated platforms.

By subscribing, accessing, or using The Long Memo, you agree to comply with these Terms. If you disagree, please do not subscribe or use our content.

1. Overview of The Long Memo

The Long Memo is an independent publication that provides analysis, commentary, and insights. Its content reflects the perspectives of its authors and does not and should not be construed to constitute financial, legal, or professional advice. Readers are always advised to consult professionals in these areas.

2. Content Ownership & Intellectual Property

• All original content published on The Long Memo (articles, essays, newsletters, graphics, videos, and other materials) is protected by copyright law and remains the exclusive property of Borderless Media, LLC or its respective authors.

• You may not copy, republish, distribute, or commercially exploit any content from The Long Memo without express written consent.

• Limited sharing is allowed through Substack’s built-in sharing features (e.g., the “Share” button).

• Plagiarism, unauthorized duplication, or substantial imitation (including structure, arguments, and language) is strictly prohibited and may result in DMCA takedown requests, bans, and legal action.

3. Subscription & Payment Policies

• We offer both free and paid subscription options through Substack’s platform.

• By subscribing, you authorize Substack to process payments in accordance with their payment policies.

• Subscription fees are non-refundable, except where required by law or at our sole discretion.

• Paid subscriptions do not grant additional ownership, licensing, or distribution rights to our content.

4. User Conduct & Community Guidelines

We encourage open discussions but expect all users to engage respectfully. The following behaviors are strictly prohibited:

🚫 Harassment or Threats: Abuse, stalking, or personal attacks on authors or other subscribers.
🚫 Hate Speech & Discrimination: Any form of content promoting violence, racism, sexism, homophobia, or other harmful ideologies.
🚫 Spam & Solicitation: Unsolicited promotions, excessive self-promotion, or unrelated commercial messages.
🚫 Misinformation & Conspiracies: Spreading false claims that violate Substack’s platform guidelines.
🚫 Plagiarism & Unauthorized Use: Copying or redistributing our content without permission.

Enforcement:

• We reserve the right to moderate discussions, remove comments, and ban subscribers who violate these guidelines.

• No refunds will be issued for banned users.

5. Privacy Policy & Data Usage

• We do not sell or share your personal data with third parties.

• Your email and payment information are processed through Substack’s secure payment system, and we do not store or have access to your financial details.

• We may collect anonymized data (such as readership trends) to improve our services.

For more information, review Substack’s Privacy Policy.

6. Plagiarism & Unauthorized Use Policy

If a user or external party copies, republishes, or substantially imitates our content, we reserve the right to:

1. Issue a formal cease-and-desist notice.

2. File a DMCA takedown request with relevant platforms.

3. Ban the infringing party from subscribing or accessing our content.

4. Pursue legal action where applicable.

All The Long Memo content is actively monitored for unauthorized use.

7. Disclaimers & Limitation of Liability

• The Long Memo provides opinion, analysis, and commentary. None of our content should be considered financial, legal, or professional advice.

• We do not guarantee the accuracy, completeness, or reliability of any information presented.

• We are not responsible for any actions taken by subscribers based on our content.

• We reserve the right to modify, edit, or remove content at any time without prior notice.

No Warranties: The Publication is provided on an “as-is” and “as-available” basis. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability: Under no circumstances shall Borderless Media, LLC be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of The Long Memo.

8. Modifications to These Terms

• We may update these Terms from time to time.

• Changes take effect immediately upon posting.

• Continued use of The Long Memo after updates constitutes acceptance of the new Terms.

9. Governing Law & Dispute Resolution

• The laws of the United States and the State of Minnesota govern these Terms.

• Subscribing to the publication means you acknowledge jurisdiction pertaining to disputes arising under the Terms and with our publications.

• Any disputes shall first be resolved through informal negotiation.

• If unresolved, disputes shall be submitted at our discretion to arbitration or litigation in Minnesota, except where prohibited by law.

• If litigation is required, you agree to be responsible for reasonable attorneys’ fees (if eligible and awarded).

10. Termination & Account Restrictions

We reserve the right to:

• Suspend or terminate access to The Long Memo for violations of these Terms.

• Restrict, remove, or modify comments at our discretion.

• Permanently ban users for harassment, plagiarism, or bad-faith interactions.

11. Contact Information

For any questions or concerns regarding these Terms, please contact us:

📌 Borderless Media, LLC
📍 8500 Normandale Lake Blvd, Suite 350, Bloomington, MN 55437
📧 editor@thelongmemo.com

Acknowledgment & Agreement

By subscribing to or accessing The Long Memo, you acknowledge that you have read, understood, and agreed to these Terms of Service.