其他：合规与牌照Other: compliance & licensing
这一区面向打算搭建类似 Sharesies 投资平台的创业者，与面向投资者的学习内容分开放置。
This section is for founders planning a Sharesies-style investment platform, kept separate from the investor learning content.
以下内容基于公开的监管机构资料整理，仅供规划参考，不构成法律意见。上线前必须由所在司法管辖区的金融服务律师确认。
Compiled from public regulator material for planning only — not legal advice. A financial services lawyer in your jurisdiction must confirm everything before launch.
📄 合规文件库Compliance document library
新西兰、澳洲、美国平台必须向客户公开的文件、法律依据和官方链接。
What a platform must publish to clients in NZ, Australia and the US, with the legal basis and official links.
📝 文件模板Document templates
服务条款、隐私政策、风险披露、费用表、AML 与 KYC 政策草稿（英文）。
Draft terms of service, privacy policy, risk disclosure, fee schedule, AML and KYC policies (English).
⚖️ 牌照路线图Licensing roadmap
三种业务模式、各国所需牌照和一步步落地的流程。
Three business models, the licences each country requires and a step-by-step launch sequence.
🏛️ 监管资源Regulator resources
资源库中所有面向创业者的监管资料（FMA、DIA、ASIC、AUSTRAC、SEC 等）。
Every founder-facing regulator resource in the library (FMA, DIA, ASIC, AUSTRAC, SEC and more).