<?php
require_once __DIR__ . '/includes/config.php';
$page_title = 'Disclaimer – 98Pay Educational Site';
$page_desc = 'Disclaimer for 98pay.in.net. Educational content only. No guarantee of returns, no financial advice, independent of live 98Pay operations.';
$canonical_url = canonical('disclaimer.php');
require_once __DIR__ . '/includes/header.php';
?>

<section class="page-hero">
  <div class="container">
    <h1>Disclaimer</h1>
    <p>Important limitations regarding 98pay.in.net content.</p>
  </div>
</section>

<section class="content-wrap">
  <div class="container">
    <div class="notice">
      98pay.in.net is an independent educational and SEO website. It is not the live 98Pay application and does not process deposits or withdrawals.
    </div>

    <h2>No financial advice</h2>
    <p>Nothing on this site is financial, investment, trading or tax advice. Buy USDT, Sell, Bonus Club rewards and team commissions described in screenshots or text are examples of interface presentation only. Past or displayed figures do not guarantee future results.</p>

    <h2>No guarantee of availability or accuracy</h2>
    <p>App features, prices (Binance vs Platform), reward percentages, invite systems and UI labels can change without notice. Always rely on the live official application after opening it from the verified land page.</p>

    <h2>Third-party risk</h2>
    <p>When you leave this site for the register/login URL or Telegram, you interact with third parties under their own terms. We are not responsible for their uptime, security or conduct.</p>

    <h2>User responsibility</h2>
    <p>You are solely responsible for verifying links, protecting OTP and PIN, choosing deposit sizes and complying with applicable law. Read the <a href="user_safety.php">User Safety</a> page before any financial action.</p>

    <h2>Official references</h2>
    <ul>
      <li>Educational site: <?php echo SITE_URL; ?></li>
      <li>App link: <a href="<?php echo APP_LINK; ?>" rel="noopener noreferrer" target="_blank">Official land page</a></li>
      <li>Invite code: <?php echo INVITE_CODE; ?></li>
      <li>Telegram: <a href="<?php echo TELEGRAM_LINK; ?>" rel="noopener noreferrer" target="_blank">Community invite</a></li>
    </ul>

    <p>By using 98pay.in.net you acknowledge this disclaimer and the <a href="terms.php">Terms of Use</a>.</p>
  </div>
</section>

<?php require_once __DIR__ . '/includes/footer.php'; ?>
