Terms of Service

Welcome to CryptoMantiq! These Terms of Service ("Terms") are a legal agreement between you and CryptoMantiq, LLC, a Delaware Limited Liability Company ("Company," "we," "us," or "our").

By accessing or using our educational platform, websites, AI educators, learning journeys, portfolio tracking features, and other services (collectively, the "Services"), you agree to these Terms, our Privacy Policy, and any other policies posted on our Services.

Please read these Terms carefully. These Terms outline your legal rights and explain the rights you grant to us when using our Services. These Terms contain a binding arbitration agreement and class action waiver, which affect your legal rights and limit our liability for your investment decisions. By continuing to use the Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms in their entirety.

1. About CryptoMantiq

CryptoMantiq, LLC
A Delaware Limited Liability Company

Contact: support@cryptomantiq.com
Website: https://cryptomantiq.com

1.1 What We Are

CryptoMantiq is an Educational Technology Platform that teaches cryptocurrency concepts through AI-powered educators. The Services provided include educational content about cryptocurrency markets, AI educators that teach analytical frameworks and market concepts, structured learning journeys designed to progressively build knowledge, portfolio tracking tools for educational purposes, and paper trading simulations that allow users to practice trading strategies without financial risk. All features and content are designed exclusively for educational purposes and are not intended to provide financial, investment, or trading advice.

1.2 What We Are Not

CryptoMantiq is not, and does not operate as, any of the following: We are not investment advisors and are not registered with the Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any other securities regulatory authority. We are not broker-dealers and do not execute, facilitate, or process any trades or transactions in securities or digital assets. We are not financial planners and do not provide personal financial advice tailored to individual circumstances. We are not a trading signal service and do not recommend specific buy or sell actions for any assets. We are not registered investment advisers under the Investment Advisers Act of 1940 or under the laws of any state or jurisdiction.

1.3 We Never Touch Your Crypto or Money

Important: CryptoMantiq does not custody, hold, transmit, or have access to any user cryptocurrency or fiat funds. We do not execute, facilitate, or process any cryptocurrency transactions. All subscription payments are processed by third-party payment processors (such as Stripe or PayPal).

We are an educational platform only.

2. Eligibility & Agreement

2.1 Age Requirements

To use the Services, you must be at least eighteen (18) years of age or older. If you are under the age of eighteen (18), you may only use the Services with the prior consent and direct supervision of your parent or legal guardian, and such parent or legal guardian must agree to be bound by these Terms on your behalf. The Services are not directed to, and may not be used by, children under the age of thirteen (13). We do not knowingly collect, maintain, or process personal information from individuals under the age of thirteen (13), and no part of the Services is designed to attract such individuals.

2.2 Agreement to Terms

By accessing or using the Services, you represent, warrant, and confirm that you have the legal capacity to enter into binding contracts under applicable law; that you will comply with all applicable federal, state, local, and international laws, regulations, and rules in connection with your use of the Services; that you have read, understood, and accept these Terms in their entirety without modification or reservation; and that if you are accessing or using the Services on behalf of an organization, company, or other legal entity, you have the authority to bind such entity to these Terms and you agree to be personally bound by these Terms if the entity you represent does not honor its obligations under these Terms.

2.3 License

We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial, educational purposes only. You may not resell, redistribute, or share your account.

2.4 Compliance with Sanctions Laws

You represent, warrant, and covenant that you are not located in, under the control of, or a national or resident of any country, territory, or jurisdiction that is subject to comprehensive economic sanctions imposed by the United States government, including but not limited to Cuba, Iran, North Korea, Syria, or the Crimea region of Ukraine. You further represent and warrant that you are not named on, or acting on behalf of any person or entity named on, any sanctions list maintained by the United States government, including the Office of Foreign Assets Control's Specially Designated Nationals and Blocked Persons List or the U.S. Department of Commerce's Denied Persons List or Entity List. You represent that you are not owned, controlled, or acting on behalf of any person or entity that is subject to such sanctions or restrictions. You are solely and exclusively responsible for ensuring compliance with all laws, regulations, and restrictions applicable in your jurisdiction, and you agree to indemnify and hold harmless CryptoMantiq from any liability arising from your failure to comply with such obligations.

3. Educational Disclaimers - Read Carefully

3.1 This Is Not Financial Advice

The Services are provided for educational purposes only. CryptoMantiq is not licensed, qualified, or registered to provide investment advice, trading advice, financial advice, or securities recommendations of any kind. We are not registered as an investment adviser under the Investment Advisers Act of 1940, nor are we registered with any state securities regulator, financial services authority, or similar regulatory body in any jurisdiction. The information, content, tools, and features provided through the Services do not constitute and shall not be construed as investment advice, financial advice, trading advice, securities recommendations, or any form of solicitation, recommendation, endorsement, or offer to buy, sell, or hold any securities, digital assets, or other financial instruments in any jurisdiction whatsoever.

Nothing in the Services takes into account, considers, or is tailored to your personal investment objectives, financial situation, risk tolerance, investment experience, or individual needs and circumstances. Any educational frameworks, analytical methodologies, historical examples, case studies, market scenarios, or trading concepts presented through the Services are provided solely for illustrative and educational purposes and do not constitute recommendations, suggestions, or guidance for your personal situation or circumstances. You should not interpret, construe, or rely upon any educational content as constituting actionable trading strategies, investment recommendations, or financial guidance for your own use without first obtaining independent professional advice from qualified financial advisors, investment professionals, or other appropriate experts who are familiar with your individual circumstances, objectives, and risk profile.

3.2 We Are Not Recommending Any Action

CryptoMantiq does not recommend, suggest, advise, or opine that any particular securities, digital assets, cryptocurrencies, or other financial instruments should be purchased, sold, held, or traded by you or any other person. While our AI educators are designed to teach analytical frameworks, technical concepts, market analysis methodologies, and trading strategies that may be employed by professional traders, institutional investors, and market analysts, such educational content is provided exclusively for learning purposes and does not constitute an analysis of your personal financial situation, investment objectives, or risk tolerance. The AI educators do not and cannot recommend specific trades or investments tailored to your circumstances, do not act as your fiduciary or assume any fiduciary duties toward you, do not and cannot guarantee, warrant, or predict any investment outcomes or results, do not consider or account for your individual financial circumstances, investment experience, or personal situation, and do not provide personalized investment advice or recommendations of any kind. All information, content, and educational materials provided through the Services are general in nature, are not customized or tailored to any individual user, and must not be relied upon as a substitute for professional financial advice.

3.3 AI Technology Has Limitations

The AI educators provided through the Services are powered by large language models and artificial intelligence technologies that have inherent limitations and potential deficiencies. These AI systems may generate information that appears plausible, credible, or authoritative but is factually incorrect, misleading, or entirely fabricated (commonly referred to as "hallucinations"). The AI models may provide information that is outdated, obsolete, or superseded due to the temporal limitations of their training data and may not reflect current market conditions, recent developments, or up-to-date information. The content generated by AI educators may contain errors, inaccuracies, omissions, or incomplete information and may fail to capture the full complexity or nuance of market dynamics, trading strategies, or financial concepts. The AI systems may misinterpret, misunderstand, or fail to properly contextualize your questions, queries, or the information you provide, leading to responses that are not relevant to your actual inquiry or needs. AI-generated content may cite, reference, or appear to rely upon sources, data, research, or authorities that do not exist or that have been mischaracterized. The AI educators may provide inconsistent, contradictory, or varying answers to similar or identical questions posed at different times or in different contexts. The information generated may not be suitable, appropriate, or applicable to your specific situation, circumstances, risk profile, or investment objectives.

You must always verify, confirm, and corroborate any and all AI-generated information through multiple independent, authoritative sources before making any decisions, taking any actions, or relying upon such information in any manner whatsoever. AI-generated responses, content, and information should never constitute your sole, primary, or exclusive source of information for any purpose, and you acknowledge and agree that reliance upon AI-generated content without independent verification and professional advice is undertaken entirely at your own risk.

3.4 Do Your Own Research

Never make investment decisions based solely on our Services.

All users should assume that information provided regarding companies, investments, or markets is not trustworthy unless verified by independent research. You must conduct proper due diligence and use your own judgment.

An individual should never make investment decisions based solely on information contained within our Services or any associated media.

3.5 Cryptocurrency Is High Risk

Investing, trading, or otherwise engaging with cryptocurrency, digital assets, and blockchain-based instruments is extremely risky and may result in substantial or total financial loss. You may lose some, most, or all of your invested capital, and if you engage in margin trading, leveraged trading, derivatives trading, or other forms of credit-based trading, your losses may substantially exceed your initial investment, potentially resulting in unlimited liability. The risks inherent in cryptocurrency markets include, but are not limited to, the following: extreme and unpredictable price volatility that can result in rapid and substantial losses; the potential for complete and total loss of invested capital; regulatory uncertainty, adverse regulatory actions, or prohibitions imposed by governmental authorities that may render certain assets worthless or illiquid; cybersecurity threats, hacking incidents, theft, and unauthorized access to digital wallets or exchange accounts; market manipulation, pump-and-dump schemes, wash trading, and other fraudulent or deceptive practices; insufficient market depth and lack of liquidity that may prevent timely execution of trades or result in unfavorable pricing; technology failures, software bugs, protocol vulnerabilities, and operational risks inherent in blockchain networks; exchange insolvency, failures, exit scams, or fraud by cryptocurrency exchange operators or service providers; permanent and irreversible loss of private keys, seed phrases, or access credentials required to control digital assets; vulnerabilities, exploits, or attacks targeting smart contracts, decentralized applications, or blockchain protocols; and numerous other known and unknown risks that may emerge in this rapidly evolving and immature market.

You should only invest, trade, or allocate capital that you can afford to lose entirely without materially impacting your financial well-being, and you acknowledge that cryptocurrency investments should never constitute more than a small portion of a diversified investment portfolio appropriate to your risk tolerance and financial circumstances.

3.6 Past Performance Means Nothing

Past performance is no guarantee of future results.

Historical examples and performance data are provided for educational purposes only. They do not predict or guarantee future performance. Trading results can never be guaranteed. You should be suspicious of anyone who promises guaranteed results.

The price and value of assets referred to in the Services may go down as well as up, and investors may realize losses on any investments. Future returns are not guaranteed, and a loss of investment may occur.

3.7 Simulated Trading Has Major Limitations

Hypothetical performance results, simulated trading results, paper trading results, and backtested performance data do not represent actual trading, do not reflect actual investment results, and should not be relied upon as indicative of future performance in live trading or real market conditions. The paper trading features, portfolio tracking tools, and simulated trading environments provided through the Services generate results based on hypothetical scenarios and simulated market conditions that do not and cannot accurately reflect or replicate the complexities, inefficiencies, costs, and risks inherent in actual trading. Simulated results do not reflect real market conditions, including but not limited to market liquidity constraints, order book depth, bid-ask spreads, market impact of large orders, or the effect of news and events on market dynamics. Simulated trading does not include, account for, or deduct transaction costs such as trading commissions, exchange fees, spread costs, slippage, market impact costs, or other expenses that would be incurred in actual trading and that can significantly reduce or eliminate profitability. Simulated systems assume perfect order execution, unlimited liquidity, and instantaneous fills at desired prices, none of which occur consistently in actual markets. Simulated results may not properly account for the actual market impact that executing trades of various sizes would have on market prices and liquidity. Simulated trading programs and backtested strategies are inherently subject to the fact that they are designed, developed, and optimized with the benefit of hindsight and historical data, which introduces survivorship bias, look-ahead bias, and overfitting that inflate apparent performance. Simulated results do not and cannot predict, indicate, or guarantee actual trading performance, and the correlation between simulated performance and live trading results may be minimal or nonexistent. Since simulated trades have not actually been executed in live markets, the results may have substantially under-compensated or over-compensated for the impact of various market factors, including lack of liquidity, market volatility, execution delays, and other real-world constraints.

No representation, warranty, or guarantee is made that any account, strategy, or trading approach will or is likely to achieve profits, returns, or losses similar to, comparable to, or anywhere near those shown, displayed, or suggested by simulated results, and you acknowledge that actual trading results will almost certainly differ materially and adversely from any simulated performance data.

3.8 Consider All Relevant Factors

The Services, educational content, and tools provided by CryptoMantiq should not be considered, construed, or relied upon as including, addressing, or accounting for every factor, consideration, or variable that may be necessary, relevant, or material to making informed investment decisions. Before making any investment, trading, or asset allocation decision, you must conduct comprehensive due diligence and analysis, which should include but not be limited to the following: reading, reviewing, and understanding all available disclosure documents, prospectuses, white papers, technical documentation, and other materials provided by asset issuers, project developers, or platform operators; carefully considering and evaluating the substantial risks associated with cryptocurrency price volatility, market manipulation, and the potential for total loss; thoroughly evaluating your personal investment objectives, financial goals, risk tolerance, investment timeframe, and liquidity needs; conducting an honest and realistic assessment of your current financial situation, available capital, ability to sustain substantial losses without material harm, and overall financial stability; considering and consulting with qualified tax professionals regarding the tax implications, reporting requirements, and potential tax liabilities associated with cryptocurrency transactions in your jurisdiction; reviewing and understanding the regulatory framework, legal status, and potential legal risks applicable to the assets, platforms, or strategies you are considering; and analyzing numerous other factors, considerations, variables, and circumstances that may be specific to your individual situation, objectives, or the particular assets under consideration.

Any decision to invest in, trade, purchase, sell, or hold any cryptocurrency, digital asset, or other financial instrument may properly be based upon numerous complex factors, extensive analysis, professional advice, and individual circumstances that are far beyond the scope, purpose, and content of the educational materials provided through the Services.

3.9 Consult Qualified Professionals

Before making any investment, trading, or financial decisions, we strongly and unequivocally recommend and urge that you consult with, retain, and obtain advice from licensed and qualified financial advisors who are registered and authorized to provide investment advice in your jurisdiction; certified public accountants, tax attorneys, or other qualified tax professionals who can advise you regarding the tax implications, reporting obligations, and tax planning strategies related to cryptocurrency transactions; licensed attorneys and legal counsel who can advise you on the legal, regulatory, and compliance aspects of cryptocurrency investments and transactions; and any other appropriately qualified, licensed, and experienced experts, professionals, or advisors who are familiar with and knowledgeable about your individual financial circumstances, investment objectives, risk tolerance, and personal needs. CryptoMantiq is not providing, and the Services do not constitute, any form of financial advice, investment advice, tax advice, legal advice, or professional services of any kind. The Services should not be relied upon, used, or construed as a substitute for consultations with, advice from, or services provided by qualified, licensed professionals who are familiar with your specific situation and who owe you fiduciary or professional duties.

You expressly acknowledge, understand, and agree that all information, content, tools, and materials provided in or through the Services are provided on an "as is" basis for general informational and educational purposes only, without any representation, warranty, or guarantee as to accuracy, completeness, reliability, or suitability. You may use the Services exclusively for informational and educational purposes, as one aid or information source among many diverse sources, and not as the sole, primary, or determinative basis for making any investment, trading, financial, or other decisions that may affect your economic well-being or financial condition.

3.10 Learning Features Are Educational Only

The learning journeys, structured educational content, portfolio tracking tools, paper trading simulators, and all other features and functionalities provided through the Services are educational tools and learning aids exclusively and do not constitute, and must not be construed, interpreted, or relied upon as, trading recommendations, buy or sell signals, investment management services, professional qualifications or certifications, personal financial advice tailored to your situation, or portfolio management or advisory services of any kind. Completing, viewing, or engaging with our educational content, learning journeys, courses, or training materials does not qualify, license, certify, or authorize you to trade, invest, manage portfolios, provide investment advice, or engage in any professional financial services activities. Such educational completion does not demonstrate competence, proficiency, or readiness to engage in actual trading or investment activities, and you should not construe educational progress or completion as an endorsement or validation of your knowledge, skills, or preparedness.

The portfolio tracking feature provided through the Services does not and is not designed or intended to recommend, suggest, or advise what assets you should hold, purchase, sell, or trade; does not provide investment management, portfolio management, advisory services, or fiduciary services of any kind; does not analyze, assess, or take into consideration your personal financial situation, circumstances, objectives, or risk tolerance; and does not and cannot act as a substitute for professional advice, guidance, and services provided by licensed financial advisors, registered investment advisers, or other qualified professionals who owe you fiduciary or professional duties. Any metrics, analytics, performance data, allocation analyses, risk scores, or other information, statistics, or visualizations displayed through the portfolio tracking feature are general educational tools designed to illustrate concepts and provide general information about asset classes, market dynamics, or investment principles, and such information is not and must not be interpreted as recommendations, suggestions, endorsements, or advice regarding your specific holdings, portfolio composition, or investment strategy.

CryptoMantiq does not have, seek, or maintain any access to your actual cryptocurrency exchange accounts, digital wallets, brokerage accounts, bank accounts, or funds of any kind. All portfolio positions, holdings, and transaction data entered into the Services are manually inputted by users exclusively for educational tracking, learning, and simulation purposes. We do not verify, authenticate, or confirm the accuracy of any user-entered data. We are not and will not be responsible, liable, or accountable for any investment decisions, trading actions, portfolio changes, or financial outcomes resulting from, based upon, or in any way connected to your use of the portfolio tracking feature or any data, metrics, or information displayed therein.

3.11 No Tax Advice

CryptoMantiq does not provide, and the Services do not constitute, tax advice, tax planning services, tax preparation services, or tax consulting of any kind. Cryptocurrency transactions, digital asset transfers, trading activities, and related operations may have substantial, complex, and potentially burdensome tax implications, consequences, and reporting obligations, which may include but are not limited to the following: capital gains and capital losses reporting requirements that may apply to dispositions of digital assets; ordinary income tax obligations on rewards, proceeds, or value received from staking, mining, yield farming, lending, airdrops, hard forks, or other blockchain-based activities; the potential application, inapplicability, or uncertainty regarding wash sale rule provisions and limitations on the deductibility of losses from substantially identical positions; international tax obligations, foreign account reporting requirements, and tax treaty considerations that may apply to cross-border transactions or foreign exchange holdings; gift tax consequences and estate tax implications arising from transfers, bequests, or donations of digital assets; and numerous other federal, state, local, and international tax considerations that may be highly fact-specific, jurisdiction-dependent, and subject to frequent changes in law, regulation, and administrative guidance.

The portfolio tracking feature, paper trading simulator, and other tools provided through the Services do not track, calculate, estimate, report, or provide any information regarding your tax liabilities, tax basis, holding periods, taxable events, reportable transactions, or tax reporting obligations. You are solely, exclusively, and personally responsible for understanding, determining, calculating, reporting, and complying with all tax obligations, filing requirements, and payment obligations applicable to your cryptocurrency activities in all relevant federal, state, local, and foreign jurisdictions. Tax laws applicable to digital assets and cryptocurrencies are extraordinarily complex, highly uncertain, subject to varying and inconsistent interpretations, and change with significant frequency. You must consult with, retain, and obtain advice from qualified, licensed tax professionals, certified public accountants, enrolled agents, or tax attorneys who are knowledgeable about cryptocurrency taxation and who are familiar with your specific financial situation, transaction history, and applicable jurisdictions before making any decisions that may have tax consequences.

4. User Obligations

4.1 Your Responsibilities

You represent, warrant, and covenant that all information, data, materials, and content that you provide, submit, upload, or transmit to or through the Services is and will be accurate, current, complete, truthful, and not misleading in any respect; that you have all necessary rights, permissions, authorizations, and legal capacity to provide, submit, and grant us the rights to use such information, data, materials, and content; that you will comply at all times with all applicable federal, state, local, and international laws, statutes, regulations, rules, ordinances, and requirements in connection with your access to and use of the Services; that you will not violate, breach, or fail to comply with any provision, term, condition, or obligation set forth in these Terms; and that you have the full legal authority, capacity, and right to agree to and be bound by these Terms on your own behalf and, if applicable, on behalf of any entity you represent.

4.2 Account Security

You are solely and exclusively responsible for all activity, actions, transactions, and events that occur on, through, or in connection with your account, regardless of whether such activity was authorized, intended, or initiated by you; for maintaining the security, confidentiality, and secrecy of your account password, login credentials, authentication factors, and access information, and for ensuring that such information is not disclosed, shared, or made available to any other person or entity; for all fees, charges, subscription costs, and financial obligations incurred on, through, or in connection with your account, regardless of whether such charges were authorized or intended by you; and for immediately notifying CryptoMantiq at support@cryptomantiq.com upon becoming aware of any unauthorized access to, use of, or activity on your account, any security breach affecting your account, or any loss, theft, or disclosure of your account credentials. Although CryptoMantiq will not be liable, responsible, or accountable for any losses, damages, or harm you suffer as a result of unauthorized access to or use of your account by third parties, you may be held liable, responsible, and financially accountable for losses, damages, or harm suffered by CryptoMantiq, its affiliates, or other users or third parties as a result of such unauthorized access or use, whether resulting from your negligence, failure to maintain security, or otherwise.

4.3 Prohibited Activities

You expressly agree and covenant that you will not, and will not attempt to, permit, enable, or authorize any third party to, engage in any of the following prohibited activities, actions, or conduct in connection with your access to or use of the Services. With respect to content usage and account restrictions, you agree that you will not resell, redistribute, sublicense, transfer, assign, or share your account access, login credentials, or subscription rights with any other person or entity; use the Services for any commercial, business, revenue-generating, or for-profit purposes without our express prior written permission and authorization; copy, scrape, extract, download, reproduce, duplicate, archive, or capture any content, data, information, or materials from the Services using any manual or automated means; deploy, utilize, or operate any automated tools, systems, software, bots, spiders, crawlers, scrapers, robots, or similar data gathering, extraction, or monitoring devices or processes; modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works based upon the Services, our software, or our proprietary technology; remove, obscure, alter, or tamper with any copyright notices, trademark designations, branding elements, proprietary markings, rights management information, or legal notices displayed on or through the Services; or access or use the Services in any manner or for any purpose not expressly permitted and authorized by these Terms.

With respect to artificial intelligence and machine learning activities, you agree that you will not use, access, or interact with the Services, our AI educators, or any content generated by or through the Services for the purpose of training, developing, improving, testing, or creating any artificial intelligence models, machine learning systems, large language models, neural networks, or similar computational systems or technologies, whether for your own use or on behalf of any third party; share, distribute, publish, or provide any outputs, responses, or content generated by our AI educators to any third parties for commercial purposes, competitive purposes, or for use in developing competing products or services; incorporate, integrate, embed, or utilize any content, data, responses, methodologies, or materials from the Services into any competing artificial intelligence systems, educational platforms, financial education products, or similar services or products; or use the Services, directly or indirectly, to develop, train, improve, test, benchmark, or otherwise enhance any products, services, or technologies that compete with, are substantially similar to, or could serve as alternatives to the Services.

With respect to harmful, abusive, and illegal activities, you agree that you will not upload, transmit, distribute, store, create, or otherwise make available through the Services any viruses, malware, ransomware, trojan horses, worms, spyware, or any other malicious, harmful, or destructive code, files, or programs; impersonate, misrepresent your identity or affiliation with, or falsely claim to represent or be associated with, any person, entity, company, organization, or CryptoMantiq itself; provide false, inaccurate, misleading, or fraudulent information or documentation in connection with your account registration, identity verification, or use of the Services; post, publish, upload, transmit, share, or distribute any content, materials, or information that is illegal, fraudulent, defamatory, threatening, abusive, harassing, hateful, discriminatory, violent, harmful, obscene, pornographic, or otherwise objectionable or inappropriate; engage in spamming, harassment, bullying, intimidation, threats, or abusive conduct directed toward other users, our employees, contractors, representatives, or support staff; interfere with, disrupt, degrade, or adversely affect the operation, performance, security, integrity, or availability of the Services, our servers, networks, or infrastructure; or attempt, engage in, or facilitate unauthorized access to, use of, or intrusion into any portion of the Services, our systems, servers, databases, networks, or other users' accounts or data.

With respect to commercial and competitive restrictions, you agree that you will not combine, integrate, bundle, or package the Services with any unauthorized third-party products, services, offerings, or platforms without our express prior written permission; frame, mirror, inline link, embed, or display any portion of the Services or our content on or through any other website, application, platform, or service without our express prior written authorization; use, access, or interact with the Services in any manner that is intended to benefit, advantage, or support our competitors or any competitive products, services, or businesses; or portray, depict, represent, or characterize CryptoMantiq, our Services, our brand, or our company in any false, misleading, deceptive, defamatory, disparaging, or negative manner in any public forum, medium, or communication.

With respect to technical and security restrictions, you agree that you will not circumvent, bypass, disable, avoid, remove, deactivate, impair, or otherwise interfere with any security features, technological protection measures, access controls, usage restrictions, or authentication mechanisms implemented in or protecting the Services; overburden, overload, flood, spam, overwhelm, damage, impair, disable, or interfere with the proper functioning of our servers, networks, infrastructure, bandwidth, or system resources; use any manual process, automated system, software, tool, or means to access, collect, extract, or obtain any data, information, or content that is not intended for you, is not made publicly available through the normal functionality of the Services, or that you are not authorized to access; or probe, scan, test, assess, or attempt to discover or exploit vulnerabilities, weaknesses, or security deficiencies in our systems, networks, servers, applications, APIs, or infrastructure, whether for malicious purposes or purportedly for security research, without our express prior written authorization and consent.

Your violation, breach, or non-compliance with any of these prohibited activities, restrictions, or obligations may result in immediate suspension or termination of your account and access to the Services without prior notice, without refund of any fees or charges you have paid, and may expose you to civil liability, legal action, damages claims, injunctive relief, and recovery of our attorneys' fees and costs.

5. Fees, Subscriptions & Payments

5.1 Subscription Plans

We offer multiple subscription tiers with different features and usage limits. Current pricing and plan details are available at cryptomantiq.com/pricing.

Registration authorizes a single individual to use the Services unless otherwise stated. One subscription per user.

5.2 Payment Terms

By subscribing to, purchasing, or enrolling in any paid Services, subscription plans, or premium features, you expressly agree and commit to pay all fees, charges, and costs at the rates, amounts, and pricing posted, displayed, or communicated on our website, in our application, or through our Services at the time of your subscription or purchase; to provide accurate, current, complete, and truthful billing information, including your legal name, billing address, payment card information, and contact details, and to update such information promptly if it changes; to maintain current, valid, and authorized payment methods with sufficient available credit or funds to cover all subscription fees and charges; and to pay all applicable federal, state, local, and foreign taxes, governmental fees, surcharges, levies, duties, and assessments of any kind that may be imposed on or in connection with your subscription, purchase, or use of the Services.

By providing payment information and subscribing to the Services, you expressly authorize, permit, and instruct CryptoMantiq and our third-party payment processors to charge, debit, or withdraw funds from your designated payment method, including your credit card, debit card, bank account, or other payment instrument, at the commencement of your subscription period or upon your initial purchase; to charge your payment method automatically and without additional authorization at each subsequent renewal period, whether monthly, annually, or at such other interval as specified for your subscription plan; to attempt to charge an alternate, backup, or secondary payment method that you have provided if the primary designated payment method fails, is declined, has insufficient funds, or is otherwise unavailable or unsuccessful; and to securely retain, store, and maintain your payment information, billing details, and transaction records for purposes of processing future recurring charges and maintaining billing records.

You acknowledge, understand, and agree that you will remain responsible, liable, and obligated for all fees, charges, and amounts that have accrued, been incurred, or become due during your use of the Services, even if your account is subsequently canceled, terminated, suspended, or closed, whether by you or by us, and whether voluntarily or involuntarily. During any free trial period, promotional offer, discounted subscription, or similar marketing program, you acknowledge that you remain fully responsible for any charges, fees, or costs that may be incurred if you do not cancel prior to the expiration of such trial or promotional period, and that your payment method will be automatically charged at the then-current standard rates upon expiration of the trial or promotional period unless you have canceled your subscription in accordance with the procedures specified in these Terms.

5.3 Automatic Renewal & Cancellation

All paid subscriptions to the Services will automatically renew and continue for successive renewal periods of the same duration as your initial subscription term at the end of each applicable billing period (whether monthly, annually, or such other period as specified for your subscription plan) unless and until you cancel your subscription or we terminate your access to the Services. Upon each automatic renewal, your designated payment method will be charged at the then-current subscription rate, price, or fee applicable to your subscription plan, which may differ from the rate you initially paid if we have increased, adjusted, or modified our pricing. We reserve the right to change, modify, increase, or adjust our subscription prices, fees, and rates at any time, and we will provide you with at least thirty (30) days' advance notice of any price increases by posting notice on our website, sending notice to your account email address, or providing notice through the Services, provided that your continued use of the Services after such notice period constitutes your acceptance of the new pricing.

You may cancel your subscription and discontinue automatic renewal at any time by using one of the following cancellation methods. Method One - Online Cancellation: Log into your account using your credentials, navigate to Account Settings or Subscription Management, locate your active subscription, and click the "Cancel Subscription" button or link, then follow any additional prompts or confirmation steps required to complete the cancellation process. Method Two - Email Cancellation: Send a cancellation request via email to support@cryptomantiq.com with the subject line "Cancel Subscription" and include in the body of your email your full name and the email address associated with your CryptoMantiq account to enable us to locate and process your cancellation request.

Cancellations submitted through either method will take effect at the end of your current billing period for which you have already been charged, and not immediately upon submission of your cancellation request. Upon cancellation, you will retain full access to all paid features, content, and functionality of your subscription through the remainder of the period for which you have already paid, and you will not receive any refund, credit, or pro-rated reimbursement for any unused portion of your subscription term. We will send an email confirmation of your cancellation to your account email address within forty-eight (48) hours of processing your cancellation request, and if you do not receive such confirmation, you should contact us immediately to verify that your cancellation has been properly processed and recorded.

5.4 Refunds

All refund requests will be evaluated, considered, and determined on a case-by-case basis at our sole and absolute discretion, and you must submit any refund request to support@cryptomantiq.com within thirty (30) days of your initial purchase or subscription charge in order for such request to be considered. As a general policy, monthly subscriptions and month-to-month subscription charges are non-refundable under any circumstances, and we do not provide refunds, credits, or reimbursements for monthly subscription fees under any conditions. Annual subscriptions and yearly subscription charges may, in our sole discretion and only under limited circumstances, be eligible for pro-rated partial refunds calculated based on the unused portion of your subscription term, but only if you submit a refund request within thirty (30) days of your initial purchase date and only for your first annual subscription charge. No refunds, credits, prorations, or reimbursements of any kind will be provided, issued, or granted for any subscription fees, charges, or payments made more than thirty (30) days prior to the date of your refund request, regardless of the circumstances, usage, or your reasons for requesting a refund.

We are not and will not be obligated, required, or compelled to provide, issue, or grant any refund, credit, or reimbursement if you have changed your mind about purchasing or maintaining a subscription after completing your purchase; you claim to have purchased a subscription by mistake, inadvertently, or without intending to do so; you failed to cancel your subscription before the expiration of any free trial period or before an automatic renewal charge was processed; you are dissatisfied with, disappointed by, or do not approve of the features, functionality, content, quality, educational value, or any other aspect of the Services; the Services, features, or content do not meet your subjective expectations, preferences, desires, or requirements; or you are unable to access or use the Services due to technical issues, incompatibilities, internet connectivity problems, device limitations, or other circumstances attributable to your own systems, equipment, internet service, technical environment, or user error.

In the event that we elect, in our sole discretion, to issue, grant, or provide a refund to you, such refunds will be processed and credited to the original payment method used for the purchase when technically feasible and supported by our payment processor, though we reserve the right to issue refunds by alternative means if necessary; all refunds will be calculated, denominated, and issued in United States dollars (USD) regardless of the currency or payment method you originally used; we will not be responsible, liable, or accountable for any currency conversion costs, foreign transaction fees, exchange rate fluctuations, or related financial charges or expenses that you may incur in connection with receiving a refund; and refund processing, depending on your financial institution, payment processor, and payment method, may require five (5) to ten (10) business days or longer from the date of our approval for the refund to be reflected in your account or statement.

Except as may be required by applicable consumer protection laws or mandatory legal requirements in your jurisdiction, we are under no obligation, duty, or requirement to provide, issue, or grant refunds, and all refund decisions are made at our sole and absolute discretion based on the specific circumstances of each individual request.

5.5 Nonpayment

In the event that any payment, charge, or fee owed by you fails to process, is declined, is returned for insufficient funds, or remains overdue, unpaid, or outstanding for more than thirty (30) days from the due date, we reserve the right and may, at our sole discretion, immediately suspend, restrict, limit, or terminate your account and your access to any or all portions of the Services for nonpayment; assess, impose, and charge late fees, finance charges, or interest on overdue balances at a rate of one and one-half percent (1.5%) per month or the maximum rate permitted by applicable law, whichever is lower; hold you liable, responsible, and financially accountable for all unpaid amounts, accrued charges, outstanding balances, plus any and all collection costs, expenses, and fees incurred by us in our efforts to collect such unpaid amounts; deny, block, prevent, or restrict your access to and use of the Services until all outstanding balances, charges, fees, and amounts owed are paid in full and your account is brought current; and pursue, employ, and utilize any and all lawful means, methods, remedies, and legal proceedings available to us under applicable law to collect, recover, and obtain payment of all unpaid amounts, balances, charges, and fees that you owe.

You expressly agree that you are and will be liable, responsible, and financially accountable for any and all costs, expenses, and fees incurred by us in our efforts to collect unpaid balances, delinquent accounts, or outstanding charges from you, including but not limited to reasonable attorneys' fees and legal costs, collection agency fees and commissions, court costs and filing fees, administrative expenses, and any other costs or expenses associated with collection efforts or legal proceedings to recover amounts owed.

6. Ownership & Intellectual Property

6.1 Our Ownership

CryptoMantiq, LLC owns, holds, and retains all right, title, interest, and intellectual property rights of every kind and nature in and to the Services and all components, elements, features, and aspects thereof, including but not limited to all content, text, written materials, images, photographs, videos, audiovisual works, logos, graphics, illustrations, diagrams, charts, infographics, and visual elements; all software, computer code, source code, object code, algorithms, artificial intelligence models, machine learning systems, neural networks, and proprietary technology; all responses, outputs, and content generated by or through our AI educators and all educational content, curriculum, learning materials, frameworks, methodologies, and teaching resources; the overall look and feel, user interface design, user experience design, visual design, layout, arrangement, presentation, and aesthetic elements of our platform, brands, trademarks, service marks, and trade dress; all data compilations, databases, data structures, aggregated data sets, and organized collections of information; all usage statistics, analytics data, metrics, performance data, and metadata collected from or about your use of the Services; and all patents, copyrights, trademark rights, trade secret rights, database rights, and other intellectual property rights and proprietary rights of any kind subsisting in any of the foregoing.

All content, materials, software, technology, and intellectual property in, on, or accessible through the Services are protected by United States and international copyright laws, trademark laws, patent laws, trade secret laws, unfair competition laws, and other intellectual property and proprietary rights laws and treaties. CryptoMantiq, our vendors, suppliers, licensors, and third-party content providers retain and reserve all right, title, and interest in and to the Services and all intellectual property rights therein. We further own and retain all right, title, and interest in and to any and all metadata, usage data, behavioral data, analytics, statistics, and information that we collect, generate, derive, or compile from or about your access to or use of the Services, and you acknowledge that such data and information constitutes our proprietary property.

Except as expressly permitted by the limited license granted to you under these Terms, you may not, and you agree that you will not, copy, reproduce, duplicate, republish, upload, post, transmit, distribute, publicly display, publicly perform, modify, create derivative works from, adapt, translate, or otherwise exploit or make any use of any portion of the Services, our content, our software, our intellectual property, or any materials accessible through the Services without our express prior written permission and authorization.

6.2 User Content License

In the event that you submit, upload, post, transmit, provide, or make available to CryptoMantiq or through the Services any content, materials, information, data, feedback, questions, comments, suggestions, ideas, recommendations, reviews, testimonials, or other communications or submissions of any kind (collectively, "User Content"), you hereby grant, assign, and convey to CryptoMantiq and its successors and assigns a royalty-free, fully paid-up, perpetual, irrevocable, worldwide, non-exclusive, transferable, sublicensable (through multiple tiers) license and right to use, reproduce, modify, adapt, translate, create derivative works from, distribute, publicly display, publicly perform, transmit, broadcast, and otherwise exploit such User Content in any form, format, media, or technology now known or hereafter developed; the unconditional right to modify, edit, adapt, alter, enhance, or make changes to your User Content in any manner we deem appropriate or necessary, in our sole discretion; the right to distribute, publish, disseminate, and make available your User Content through any channels, media, platforms, or distribution methods; and the right to use, exploit, and leverage your User Content for any purpose whatsoever, including but not limited to developing, improving, marketing, promoting, or commercializing our products, services, or technologies, without any obligation to provide you with attribution, credit, notice, approval, or compensation of any kind.

You expressly acknowledge, understand, and agree that CryptoMantiq is and will be free to use, implement, adopt, incorporate, and exploit any and all ideas, concepts, know-how, techniques, methods, processes, approaches, suggestions, enhancements, improvements, or feedback embodied in, arising from, or contained within any User Content you submit or provide to us for any purpose whatsoever, including without limitation developing, enhancing, improving, marketing, commercializing, or monetizing our products, services, features, or technologies, without any obligation, duty, or requirement to compensate you, provide you with attribution or credit, notify you of such use, or account to you in any manner. You further affirm, represent, warrant, and covenant that you are and will be solely and exclusively responsible for all User Content that you submit, upload, post, transmit, or make available through or to the Services; that you own or have obtained all necessary rights, permissions, licenses, consents, and authorizations to submit such User Content and to grant the rights and licenses set forth in these Terms; that your User Content does not and will not infringe, violate, or misappropriate any intellectual property rights, proprietary rights, privacy rights, publicity rights, or other rights of any third party; and that your User Content does not and will not contain any unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable content or materials.

6.3 Feedback

By submitting feedback or suggestions to us, you agree they automatically become our property and we may use them without obligation to you.

6.4 Trademark

CRYPTOMANTIQ and our AI educator names are trademarks of CryptoMantiq, LLC. All rights reserved. You may not use our trademarks without our prior written permission.

7. Privacy & Third-Party Services

7.1 Privacy Policy

Our Privacy Policy describes how we collect, use, and protect your information. By using our Services, you consent to our data practices as described in our Privacy Policy.

Review our Privacy Policy at: https://cryptomantiq.com/privacy

7.2 Third-Party Data Providers

The Services integrate, incorporate, display, and utilize data, information, content, and services obtained from, provided by, or sourced through various third-party data providers, service providers, API providers, and technology partners, including but not limited to CoinGecko for cryptocurrency market data, pricing information, and historical price data; NewsData.io for cryptocurrency news aggregation, article feeds, and market sentiment information; Google Gemini for artificial intelligence technology, large language models, and natural language processing capabilities; Google OAuth for user authentication services and identity verification; Stripe or PayPal for payment processing services; and various other third-party market data providers, news sources, data aggregators, technology platforms, and service providers that we may utilize from time to time in connection with operating and providing the Services.

CryptoMantiq does not guarantee, warrant, represent, or assure the accuracy, correctness, completeness, reliability, timeliness, currentness, or fitness for any particular purpose of any data, information, content, or services provided by, obtained from, or sourced through any third-party providers; the continuous availability, accessibility, reliability, uptime, or uninterrupted operation of any third-party services, APIs, data feeds, or platforms upon which the Services may depend or rely; or the quality, suitability, appropriateness, accuracy, or reliability of any information, data, content, or services provided by third parties.

CryptoMantiq is not and will not be responsible, liable, or accountable for any third-party service failures, malfunctions, interruptions, errors, bugs, defects, outages, downtime, unavailability, or degradation in performance; any inaccuracies, errors, omissions, outdated information, misinformation, or unreliable data contained in third-party data, content, or information; any changes, modifications, discontinuations, terminations, or cessations of third-party services, APIs, data feeds, or platforms that we utilize; or the terms of service, privacy policies, data practices, business practices, or operational procedures of any third-party data providers or service providers. All third-party data, information, content, and services are provided to you on an "as is" and "as available" basis, without any warranties, representations, or guarantees of any kind, whether express or implied, and your use of or reliance upon any third-party data or services is entirely at your own risk.

7.3 Third-Party Links

Our Services may link to third-party websites, services, or resources not owned or controlled by us. We do not endorse or assume any responsibility for third-party services.

These Terms and our Privacy Policy do not apply to third-party services.

You access third-party services at your own risk. You expressly release us from any and all liability arising from your use of any third-party services.

If you access a third-party service from our Services or share content with third-party services, you are subject to their terms and privacy policies.

8. No Warranties - "As Is" Service

If you are not fully, completely, and entirely satisfied with the Services, the quality of the Services, the features provided, or any aspect of your experience with the Services, your sole and exclusive remedy is to immediately cease and discontinue using the Services and to cancel your subscription in accordance with the cancellation procedures set forth in Section 5.3 of these Terms.

The Services, including all content, information, data, software, features, functionality, tools, AI educators, educational materials, and all other components and elements thereof, are provided to you on an "as is" basis and "as available" basis, without warranties, representations, guarantees, or conditions of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, CryptoMantiq expressly disclaims, renounces, and excludes all warranties, representations, and conditions of any kind, whether express, implied, statutory, or arising from course of dealing, course of performance, or usage of trade, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property or other proprietary rights, accuracy, completeness, reliability, currentness, or timeliness of content, information, or data, uninterrupted, timely, secure, or error-free operation or access, freedom from defects, bugs, errors, or malfunctions, or security and freedom from viruses, malware, harmful code, or other malicious or destructive elements.

CryptoMantiq does not warrant, represent, guarantee, or assure that the Services, or any features, functionality, content, or tools provided through the Services, will meet your requirements, expectations, needs, objectives, or specifications; that any content, information, data, responses, outputs, or materials provided by or through the Services, including content generated by AI educators, are or will be accurate, complete, reliable, current, up-to-date, error-free, suitable for your purposes, or appropriate for your situation; that the AI educators will provide accurate, reliable, error-free, suitable, or appropriate information, responses, advice, or guidance; that the Services will be available, accessible, or operational at all times, at any particular time, or without interruption, downtime, or service disruptions; that the Services will be uninterrupted, secure, free from unauthorized access, or protected against all security threats or vulnerabilities; that any defects, errors, bugs, malfunctions, or problems in the Services will be identified, corrected, remedied, or resolved; or that the Services are or will be free from bugs, errors, defects, viruses, malware, harmful code, security vulnerabilities, or other technical or operational problems or deficiencies.

You expressly acknowledge, understand, and agree that your access to and use of the Services is entirely at your own risk, discretion, and responsibility. No advice, information, guidance, recommendations, or content, whether oral, written, electronic, or otherwise, that you obtain, receive, or access from or through CryptoMantiq, our employees, contractors, representatives, or the Services will create, establish, or give rise to any warranty, representation, guarantee, or assurance that is not expressly and explicitly stated in these Terms.

Hypothetical performance results, simulated trading results, paper trading outcomes, and backtested data have inherent and substantial limitations and deficiencies. Unlike actual historical performance records of real trading accounts, simulated results do not represent, reflect, or constitute actual trading, actual market conditions, or actual investment results. Simulated results may have substantially under-compensated or over-compensated for the impact, effect, and influence of various market factors, conditions, and variables, including but not limited to lack of liquidity, market volatility, slippage, transaction costs, and execution delays. No representation, warranty, or guarantee is made or implied that any trading account, strategy, approach, or method will or is likely to achieve profits, returns, performance, or results similar to, comparable to, or approximating those shown, displayed, illustrated, or suggested in any simulated or hypothetical results.

You acknowledge, understand, and agree that you will be and are solely and exclusively responsible and liable for any damage, harm, loss, corruption, or destruction to your computer systems, mobile devices, hardware, software, electronic equipment, or data, and for any loss, corruption, deletion, or compromise of your data, information, or files, that results from, arises out of, or is in any way connected to your access to or use of the Services, your downloading of any materials from the Services, or your interaction with the Services.

Certain federal laws, state laws in some jurisdictions, and laws in some countries and territories do not permit or allow the exclusion, disclaimer, or limitation of certain implied warranties, conditions, or guarantees, and therefore some or all of the disclaimers, exclusions, and limitations set forth in this Section may not apply to you. These Terms provide you with specific legal rights, and you may also have other rights, remedies, or protections that vary depending on your state, province, country, or jurisdiction of residence.

9. Limitation of Liability

9.1 No Liability for Investment Losses

To the maximum extent permitted and allowed by applicable law, CryptoMantiq, its affiliates, subsidiaries, parent companies, officers, directors, employees, contractors, agents, representatives, licensors, suppliers, service providers, and successors and assigns will not be liable, responsible, or accountable to you or any third party for any trading losses, investment losses, capital losses, financial losses, or monetary losses of any kind, nature, or magnitude; any missed investment opportunities, foregone profits, lost profits, unrealized gains, or opportunity costs; any losses, damages, or harm arising from, resulting from, or attributable to market volatility, price movements, price fluctuations, adverse market conditions, or changes in asset values or market conditions; any investment decisions, trading decisions, asset allocation decisions, portfolio management decisions, or financial decisions that you make or fail to make based upon, influenced by, or in any way connected to information, content, educational materials, frameworks, methodologies, concepts, or guidance provided through or obtained from the Services; any interpretation, misinterpretation, misunderstanding, or reliance upon any information, data, content, responses, outputs, or materials provided by or through the Services, including content generated by AI educators; any results, outcomes, consequences, or effects that you experience or suffer as a result of applying, implementing, or utilizing any strategies, techniques, methods, approaches, frameworks, or concepts that you learned, discovered, or were exposed to through your use of the Services; or any and all investment outcomes, trading outcomes, financial outcomes, performance results, or portfolio performance that you experience, achieve, or suffer in connection with your investment, trading, or financial activities.

You expressly acknowledge, understand, accept, and agree that you bear, assume, and accept all liability, responsibility, risk, and accountability for all of your investment decisions, trading decisions, financial decisions, portfolio management decisions, and asset allocation decisions, and that CryptoMantiq bears no liability, responsibility, or accountability whatsoever for any such decisions or for any outcomes, results, consequences, losses, damages, or harm arising therefrom.

9.2 General Liability Limitations

To the maximum extent permitted and allowed by applicable law, in no event, under no circumstances, and under no legal or equitable theory (whether in contract, tort, negligence, strict liability, or otherwise) will CryptoMantiq, its affiliates, subsidiaries, parent companies, related entities, agents, representatives, officers, directors, managers, members, employees, contractors, consultants, successors, assigns, licensors, suppliers, service providers, technology partners, or vendors be liable, responsible, or accountable to you or to any third party for any indirect, incidental, special, consequential, exemplary, or secondary damages of any kind or nature; any punitive damages, penalties, fines, sanctions, or multiplied damages; any loss of profits, revenues, income, business, goodwill, reputation, business opportunities, use, data, information, or other intangible losses or economic damages; any personal injury, bodily injury, emotional distress, pain and suffering, or property damage resulting from, arising out of, or in any way connected to your access to, use of, or inability to access or use the Services; any unauthorized access to, use of, intrusion into, breach of, or compromise of our servers, systems, databases, networks, or infrastructure, or any personal information, user data, or confidential information stored therein or transmitted thereby; any interruption, suspension, termination, discontinuation, or cessation of transmission to or from the Services, or any downtime, outage, or unavailability of the Services; any viruses, malware, ransomware, trojan horses, worms, spyware, or similar malicious, harmful, or destructive code, files, or programs transmitted to or through the Services or that you may encounter, download, or become infected with as a result of your use of the Services; any errors, mistakes, inaccuracies, omissions, or defects in any content, information, data, or materials provided through or accessible via the Services; any loss, damage, harm, corruption, deletion, destruction, or compromise incurred, suffered, or experienced as a result of your use of, reliance upon, or interaction with any content, information, data, materials, or services posted, published, transmitted, displayed, or made available through the Services; or any conduct, actions, behavior, content, services, or activities of any third parties, including other users of the Services, third-party service providers, or any other persons or entities.

Under no circumstances, conditions, or situations whatsoever will CryptoMantiq be responsible, liable, or accountable for any damage, loss, harm, injury, or adverse consequence resulting from, arising out of, or in any way connected to hacking, cyber attacks, security breaches, unauthorized access, tampering, data theft, identity theft, or any other unauthorized, illegal, or malicious access to or use of the Services, our systems, our servers, your account, or your data, whether such unauthorized access or activities are perpetrated by third parties, malicious actors, hackers, or other persons or entities.

9.3 Maximum Liability Cap

In no event, under no circumstances, and regardless of the legal theory, cause of action, or basis for liability, will the total, aggregate, cumulative liability of CryptoMantiq and its affiliates, subsidiaries, officers, directors, employees, contractors, agents, licensors, suppliers, and representatives to you or to any third party for all claims, damages, losses, injuries, liabilities, or causes of action of any kind arising out of or related to these Terms, your use of or inability to use the Services, or any other matter relating to the Services, whether arising in contract, tort (including negligence), strict liability, warranty, misrepresentation, or any other legal or equitable theory, exceed the greater of: (a) one hundred United States dollars ($100.00 USD), or (b) the total aggregate amount of all fees, charges, and payments that you actually paid to CryptoMantiq for access to the Services during the twelve (12) month period immediately preceding the date of the event, occurrence, act, omission, or circumstance that gave rise to the liability, claim, or cause of action.

This limitation of liability applies to and encompasses all causes of action, claims, and legal theories in the aggregate, whether arising from or related to breach of contract, breach of warranty, negligence, gross negligence, willful misconduct, strict liability, misrepresentation, fraud, products liability, violation of statute or regulation, or any other tort, legal theory, or equitable principle, and regardless of whether CryptoMantiq has been advised of, knew of, or should have known of the possibility, likelihood, or risk of such damages, losses, claims, or liabilities.

9.4 Basis of the Bargain

These liability limitations are fundamental elements of the basis of the bargain between you and us. We would not be able to provide the Services to you at current prices without these limitations.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

10. Indemnification

You hereby agree, covenant, and undertake to defend, indemnify, protect, and hold harmless CryptoMantiq, LLC and its affiliates, subsidiaries, parent companies, related entities, successors, assigns, officers, directors, managers, members, shareholders, employees, contractors, consultants, agents, representatives, licensors, suppliers, service providers, technology partners, and vendors (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, investigations, liabilities, judgments, awards, settlements, damages, obligations, losses, costs, expenses, debt, and fees (including but not limited to reasonable and documented attorneys' fees, legal costs, expert witness fees, court costs, litigation expenses, and costs of investigation and defense) of any kind or nature whatsoever that arise from, result from, relate to, or are in any way connected to your access to or use of the Services; your violation, breach, or non-compliance with any provision, term, condition, representation, warranty, covenant, or obligation set forth in these Terms; your breach or violation of any representations, warranties, covenants, or agreements that you have made in these Terms; your violation, infringement, or misappropriation of any third-party rights, including but not limited to intellectual property rights, proprietary rights, privacy rights, publicity rights, or contractual rights; your violation or non-compliance with any applicable federal, state, local, or international law, statute, regulation, ordinance, rule, or requirement; your negligence, gross negligence, recklessness, willful misconduct, intentional wrongdoing, or unlawful conduct; your investment decisions, trading decisions, asset allocation decisions, portfolio management decisions, financial decisions, or any outcomes, results, consequences, losses, damages, or harm arising from or related to such decisions; your use, application, implementation, or reliance upon any educational content, information, data, strategies, techniques, methods, approaches, frameworks, methodologies, or concepts that you learned, discovered, obtained, or were exposed to through your use of the Services; any content, materials, information, data, or submissions that you upload, post, transmit, provide, or make available to or through the Services; or any third party's access to, use of, or activities on or through the Services using your account, username, password, login credentials, or other authentication information or security credentials, whether authorized or unauthorized by you.

Your indemnification, defense, and hold harmless obligations set forth in this Section survive and remain in full force and effect following any termination, expiration, suspension, or cancellation of these Terms, your account, or your access to or use of the Services, and such obligations continue indefinitely regardless of whether you continue to use the Services or maintain an active account. In the event that any Indemnified Party is required or elects to defend against, respond to, or take action regarding any claim, demand, action, or proceeding subject to your indemnification obligations, such Indemnified Party will have the right to select and retain counsel of its choice, and you agree to cooperate fully with such Indemnified Party and its counsel in the defense, settlement, or other resolution of any such claim, demand, action, or proceeding, and to promptly reimburse such Indemnified Party for all costs, expenses, and fees incurred in connection therewith.

11. Term & Termination

11.1 Term

These Terms take effect, become binding, and commence on the date when you first access, use, or interact with the Services, and these Terms will remain in full force and effect, continue to govern your use of the Services, and bind you for so long as you continue to access, use, or interact with the Services in any manner, unless and until these Terms are earlier terminated, suspended, or canceled in accordance with the termination provisions set forth herein. Certain provisions of these Terms, as specified below in Section 11.4, survive and remain in effect following termination, expiration, suspension, or cancellation of these Terms or your account.

11.2 Your Right to Terminate

You may elect to terminate your agreement with CryptoMantiq, discontinue your use of the Services, close your account, and end your relationship with us at any time, for any reason or for no reason whatsoever, by taking any of the following actions: canceling and terminating your subscription through the account settings, subscription management, or account closure features and functionality provided within the Services; sending written termination notice, account closure request, or cancellation instructions to us via email at support@cryptomantiq.com, clearly stating your intent to terminate your account and providing sufficient information to enable us to locate and process your request; or by ceasing to access, use, or interact with the Services in any manner and allowing your subscription to lapse or expire without renewal.

For users with active paid subscriptions at the time of termination, your access to and use of the paid features, premium content, and subscription-based functionality of the Services will continue through and remain available until the end of your current billing period for which you have already been charged and paid, and you will not receive any refund, credit, or proration for any unused portion of such billing period. You acknowledge, understand, and agree that you remain fully responsible, liable, and obligated to pay all subscription fees, charges, costs, and amounts that have accrued, been incurred, or become due through and including the date of your cancellation, termination, or account closure, and that such payment obligations survive the termination or closure of your account.

11.3 Our Right to Terminate

CryptoMantiq reserves the right and may, in its sole and absolute discretion, immediately suspend, restrict, limit, disable, or terminate your account, your access to the Services, or your use of any portion or feature of the Services, with or without prior notice or warning to you, under any of the following circumstances, conditions, or situations: you breach, violate, or fail to comply with any provision, term, condition, restriction, obligation, representation, warranty, or covenant set forth in these Terms; we suspect, believe, or determine that you have engaged in, are engaging in, or may engage in fraudulent, deceptive, illegal, unlawful, abusive, harmful, improper, or prohibited activity, conduct, or behavior; we are required, compelled, or directed to terminate, suspend, or restrict your access by applicable law, legal process, court order, subpoena, governmental authority, regulatory agency, or law enforcement; we elect to discontinue, suspend, cease offering, or terminate the Services, in whole or in part, whether temporarily or permanently; we determine, in our sole discretion, that termination, suspension, or restriction of your access is necessary, appropriate, or advisable to protect CryptoMantiq, other users, third parties, or the integrity, security, or proper functioning of the Services; or for any other reason, cause, circumstance, or consideration, or for no reason whatsoever, at our sole and absolute discretion.

11.4 Effect of Termination

Upon termination, expiration, suspension, cancellation, or closure of your account, your agreement with CryptoMantiq, or your access to the Services, for any reason whatsoever, whether initiated by you or by us, the following consequences, effects, and obligations apply and take effect immediately: your right, license, permission, and authorization to access and use the Services, in whole or in part, immediately ceases, terminates, and is revoked; all licenses, rights, and permissions granted to you under these Terms immediately terminate, expire, and are revoked; you remain fully liable, responsible, and obligated to pay all subscription fees, charges, costs, amounts, and financial obligations that were incurred, accrued, or became due prior to, up to, or through the effective date of termination, suspension, or account closure; we reserve the right and may, in our sole discretion, delete, remove, destroy, or permanently erase your account data, user content, stored information, and all materials associated with your account, subject to and in accordance with our Privacy Policy and applicable data protection laws and regulations; we have no obligation, duty, or requirement to maintain, preserve, store, back up, or provide you with continued access to any of your data, content, information, or materials following termination, and you acknowledge that we may permanently delete such data without any liability to you; and you must immediately cease all access to and use of the Services and may not attempt to access or use the Services following termination.

The following Sections of these Terms survive and remain in full force and effect following any termination, expiration, suspension, cancellation, or closure of your account, your agreement with CryptoMantiq, or your access to the Services: Section 3 (Educational Disclaimers), Section 6 (Ownership & Intellectual Property), Section 7.1 (Privacy), Section 8 (No Warranties), Section 9 (Limitation of Liability), Section 10 (Indemnification), Section 11.4 (Effect of Termination), Section 12 (Dispute Resolution), Section 13 (Copyright & DMCA), and Section 15 (General Provisions), along with any other provisions that by their nature or express terms are intended to or should reasonably be understood to survive termination.

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the internal substantive laws of the State of Delaware, without regard to its conflict of laws principles.

The parties acknowledge that these Terms evidence a transaction involving interstate commerce. Any arbitration conducted pursuant to these Terms will be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16), not state arbitration laws.

The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

You agree to submit to the personal jurisdiction of the federal and state courts located in Wilmington, Delaware for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of our intellectual property rights.

You agree that Wilmington, Delaware is the proper forum for any appeals of an arbitration award or for court proceedings if the arbitration provision is found to be unenforceable.

12.2 Informal Resolution First

Before filing any legal claim, you must first contact us at support@cryptomantiq.com and attempt to resolve the dispute informally.

You must provide a brief written description of the dispute and your contact information. We will attempt to resolve the dispute informally by contacting you via email.

If a dispute is not resolved within 60 days after submission, you or we may initiate arbitration proceedings.

12.3 Binding Arbitration

Read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.

We each agree to resolve any claim, dispute, or controversy (excluding claims for injunctive or other equitable relief as provided below) arising out of or in connection with or relating to these Terms, or the breach or alleged breach thereof (collectively, "Claims"), by binding arbitration administered by JAMS under its Optional Expedited Arbitration Procedures then in effect, except as modified by these Terms.

JAMS may be contacted at www.jamsadr.com.

The arbitration will be subject to the following rules, procedures, and requirements: The arbitration proceedings, hearings, and sessions will be conducted and held in Wilmington, Delaware, unless you and CryptoMantiq mutually agree in writing to conduct the arbitration in a different location, city, or jurisdiction. The arbitration will be conducted by and presided over by a single, neutral arbitrator who is selected, appointed, and authorized in accordance with the JAMS Optional Expedited Arbitration Procedures and any supplemental procedures or rules specified in these Terms. The arbitrator will apply, interpret, and follow the internal substantive laws of the State of Delaware in deciding the merits of any Claims, and such application of Delaware law will be consistent with and governed by the provisions and requirements of the Federal Arbitration Act (9 U.S.C. §§ 1-16). The arbitrator's decision, determination, award, and judgment will be final, binding, and conclusive upon both parties and will not be subject to appeal, review, reconsideration, or modification, except as expressly permitted by the Federal Arbitration Act or applicable law. Judgment, enforcement, and execution upon the arbitrator's award, decision, or determination may be entered, sought, and obtained in any federal or state court of competent jurisdiction that has authority to enforce arbitration awards and judgments.

With respect to costs, fees, and expenses associated with arbitration proceedings: If you are accessing or using the Services for commercial, business, revenue-generating, or for-profit purposes, each party (you and CryptoMantiq) will be individually and separately responsible for paying and bearing their own respective share of any and all JAMS filing fees, administrative fees, case management fees, arbitrator fees, and hearing fees in accordance with and as allocated by the JAMS Optional Expedited Arbitration Procedures and the applicable JAMS fee schedule then in effect. If you are accessing or using the Services for non-commercial, personal, educational, or non-business purposes, JAMS may require you to pay a fee for the initiation of your arbitration case, unless you apply for, qualify for, and successfully obtain a fee waiver, fee reduction, or fee deferral from JAMS in accordance with JAMS procedures for indigent or financially disadvantaged parties; the arbitrator will have the authority and discretion to award and allocate costs of arbitration, reasonable attorneys' fees, expert witness fees, and related litigation costs and expenses to the prevailing party in the arbitration, as determined by the arbitrator in accordance with applicable law and principles of equity; and notwithstanding the binding arbitration requirement set forth herein, you may elect to file and pursue your Claim in a small claims court of competent jurisdiction in your county or municipality of residence without first engaging in or completing the arbitration process, provided that such Claim falls within the jurisdictional limits and subject matter jurisdiction of such small claims court, but the filing of a small claims court action does not absolve, excuse, or release you from your obligation to first attempt informal resolution of the dispute in accordance with Section 12.2 of these Terms.

Notwithstanding any other provision of this arbitration agreement, nothing contained in this Section 12.3 prevents, prohibits, restricts, or precludes CryptoMantiq from seeking, pursuing, or obtaining injunctive relief, equitable relief, specific performance, temporary restraining orders, preliminary injunctions, permanent injunctions, or other provisional or equitable remedies from federal or state courts of competent jurisdiction for the purpose of preventing, enjoining, stopping, or remedying actual, imminent, or threatened infringement, misappropriation, unauthorized use, or violation of our intellectual property rights, proprietary rights, trade secret rights, trademark rights, copyright rights, patent rights, data security measures, confidential information, or any other rights or interests protected by law, and you consent and agree to the jurisdiction of such courts for such purposes.

12.4 Class Action Waiver - Important

With respect to all persons and entities, regardless of whether they have obtained or used the Services for personal, commercial, or other purposes, all claims must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class action, collective action, private attorney general action, or other representative proceeding.

This waiver applies to class arbitration.

Unless we agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

You expressly acknowledge, understand, and agree that, by accepting, agreeing to, and entering into these Terms, you and CryptoMantiq are each knowingly, voluntarily, and intentionally waiving, relinquishing, and giving up the following important legal rights: the right to a trial by jury or jury trial in any court proceeding arising out of or related to these Terms or the Services; the right to participate in, serve as a plaintiff or class member in, or bring claims as part of any class action lawsuit, class arbitration, or class proceeding of any kind against CryptoMantiq; the right to participate in, serve as a representative in, or bring claims as part of any collective action, consolidated proceeding, representative action, private attorney general action under California Code of Civil Procedure Section 382 or any similar state statute, or any other representative proceeding, aggregated proceeding, or multi-party proceeding of any kind or nature against CryptoMantiq; and the right to bring, pursue, or participate in any claims on a class-wide, collective, consolidated, or representative basis on behalf of other persons, users, or entities.

If this specific class action waiver is found to be unenforceable, then the entirety of this arbitration provision (Section 12.3) shall be null and void, but all other provisions of these Terms remain in effect.

13. Copyright & DMCA

13.1 Copyright Policy

We respect copyright owners' rights and respond to valid notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act of 1998 ("DMCA").

13.2 Filing a DMCA Notice

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible via our Services, you may send a written DMCA notice to our designated DMCA agent.

For your complaint to be valid under the DMCA, you must provide all of the following information in writing:

1. An electronic or physical signature of a person authorized to act on behalf of the copyright owner
2. Identification of the copyrighted work claimed to have been infringed (or, if multiple copyrighted works, a representative list)
3. Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material (including URL or specific location)
4. Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and email address
5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
6. A statement, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf

Send DMCA Notices to:

CryptoMantiq, LLC
Attn: DMCA Agent
1111B S Governors Ave, Suite 40076
Dover, Delaware 19904
Email: support@cryptomantiq.com

Under federal law, if you knowingly misrepresent that material appearing on our Services is infringing your (or the copyright owner's) copyrighted work, you may be subject to criminal prosecution for perjury and civil penalties, including monetary damages, court costs, and attorneys' fees.

13.3 Counter-Notice

If you believe in good faith that material, content, or information that you posted, uploaded, or made available through the Services was removed, deleted, disabled, or had access to it restricted by mistake, misidentification, erroneous claim, or incorrect determination of copyright infringement, you may file, submit, or send a counter-notice, counter-notification, or rebuttal to our designated DMCA Agent, and such counter-notice must contain and include all of the following required information and elements: your physical signature or electronic signature; identification and description of the material, content, or information that was removed, deleted, or disabled, and identification of the location where such material appeared on or through the Services before it was removed, deleted, or disabled; a statement made under penalty of perjury under the laws of the United States of America that you have a good faith belief that the material, content, or information was removed, deleted, or disabled as a result of mistake, misidentification, erroneous claim, or incorrect determination by the complaining party; your full legal name, physical mailing address, telephone number, and email address; and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your physical address is located (or, if your address is located outside of the United States, the Federal District Court for the District of Delaware), and that you will accept service of process from the person or entity who provided the original DMCA notification of alleged infringement or from an authorized agent of such person or entity.

13.4 Repeat Infringer Policy

In accordance with the DMCA and other applicable law, we have adopted a policy of terminating, in appropriate circumstances, accounts of users who are deemed to be repeat infringers.

We may also, at our sole discretion, limit access to the Services and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

14. Modifications

14.1 Changes to These Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date.

Changes become effective when posted or upon the date specified in the notice.

Your continued use of the Services after changes are posted constitutes your acceptance of the modified Terms.

If you do not agree to the modified Terms, you must stop using our Services and cancel your subscription. Your sole remedy for disagreement with modified Terms is to terminate your use of the Services.

14.2 Changes to Services

CryptoMantiq reserves the absolute and unconditional right, in its sole and exclusive discretion, to modify, alter, change, update, enhance, improve, suspend, restrict, limit, discontinue, terminate, or cease offering any part, portion, feature, functionality, content, or aspect of the Services at any time, for any reason or for no reason, with or without prior notice or warning to you, and without any obligation to provide explanations, justifications, or advance notice of such changes, modifications, or discontinuations. We may, in our sole discretion and without limitation, add new features, functionality, tools, or capabilities to the Services; remove, disable, or discontinue existing features, functionality, tools, or capabilities; change, modify, or adjust usage limits, access restrictions, rate limits, quotas, or other limitations on your use of the Services; modify, adjust, increase, decrease, or restructure subscription tiers, pricing plans, fee structures, or subscription terms; discontinue, terminate, or cease offering any particular aspect, component, feature, or element of the Services, whether temporarily or permanently; or update, revise, modify, enhance, or replace educational content, curriculum materials, AI models, algorithms, or any other technology, content, or systems underlying or supporting the Services.

CryptoMantiq is not and will not be liable, responsible, or accountable to you or to any third party for any modification, alteration, change, enhancement, suspension, restriction, limitation, discontinuation, termination, or cessation of the Services or any portion thereof, and you acknowledge and agree that we have no obligation to maintain, support, continue offering, or provide any particular features, functionality, content, or aspects of the Services. Your continued access to and use of the Services following any such changes, modifications, updates, or alterations constitutes your binding acceptance, agreement to, and acknowledgment of the new features, modified functionality, updated content, or other changes to the Services.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements you enter into with us in connection with the Services, constitute the entire agreement between you and us regarding the Services.

These Terms supersede all prior or contemporaneous communications, proposals, and agreements (whether oral, written, or electronic) between you and us regarding the Services.

None of our employees or representatives are authorized to make any modification or addition to these Terms. Any statements or comments made by our employees or representatives are expressly excluded from these Terms and will not apply to you or us or your use of the Services.

15.2 Severability

If any provision of these Terms is deemed invalid, illegal, or unenforceable by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

Exception: If the class action waiver in Section 12.4 is found to be unenforceable, then the entire arbitration provision in Section 12.3 shall be null and void.

15.3 No Waiver

Our failure to enforce any provision of these Terms or to exercise any right under these Terms shall not constitute a waiver of such provision or right.

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Any waiver must be in writing and signed by us to be effective.

15.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations under these Terms without our prior written consent. Any attempted assignment, transfer, or delegation by you in violation of this provision is null and void.

We may freely assign, transfer, or delegate these Terms and our rights and obligations under these Terms without restriction and without notice to you.

15.5 Notices

To You: We may provide notices to you via email to the address associated with your account, by posting on our website, or through the Services. Notices sent by email are effective when sent. Notices posted on our website are effective when posted.

To Us: For legal notices to us, you must send written notice by email to support@cryptomantiq.com with "Attn: Legal" in the subject line. Notices to us are effective when we receive them.

You are responsible for keeping your email address current.

15.6 Force Majeure

CryptoMantiq shall not be liable, responsible, or held in breach of these Terms for any failure, delay, interruption, suspension, or inability to perform, fulfill, or comply with any obligation, duty, or requirement under these Terms if and to the extent that such failure, delay, interruption, suspension, or inability to perform is caused by, results from, or arises out of events, circumstances, conditions, or causes beyond our reasonable control, including but not limited to acts of God, acts of nature, natural disasters, or acts of public enemy; war, armed conflict, military action, terrorism, terrorist attacks, riots, civil unrest, civil disorder, insurrection, rebellion, or embargoes; fire, flood, earthquake, hurricane, tornado, volcanic eruption, explosion, severe weather, pandemic, epidemic, public health emergency, or quarantine restrictions; actions, orders, directives, regulations, restrictions, or prohibitions imposed by governmental authorities, regulatory agencies, courts, or law enforcement; labor disputes, strikes, lockouts, or work stoppages; failures, interruptions, outages, or delays caused by internet service providers, telecommunications carriers, or network operators; electrical power outages, grid failures, or telecommunications system failures or disruptions; distributed denial-of-service attacks, cyber attacks, hacking incidents, data breaches, or other cybersecurity incidents or threats; failures, interruptions, outages, breaches, or unavailability of third-party service providers, technology partners, API providers, data providers, hosting providers, cloud infrastructure providers, or other vendors or suppliers upon whom we rely for the operation and provision of the Services; or any other events, circumstances, conditions, causes, or situations that are beyond our reasonable control, whether similar or dissimilar to those specifically enumerated above.

15.7 Export Controls

You understand and acknowledge that the Services may be subject to export control laws and regulations.

You agree, covenant, and undertake to comply with, adhere to, and be bound by all applicable export control laws, export administration regulations, re-export control laws, trade control laws, sanctions laws, embargoes, and related legal requirements, including but not limited to the Export Administration Regulations administered and maintained by the United States Department of Commerce's Bureau of Industry and Security; the trade and economic sanctions programs, regulations, and restrictions administered and maintained by the United States Department of the Treasury's Office of Foreign Assets Control (OFAC); and the International Traffic in Arms Regulations administered and maintained by the United States Department of State's Directorate of Defense Trade Controls. You further represent, warrant, and covenant that you are not located in, under the control of, or a national, citizen, or resident of any country, territory, or jurisdiction to which the United States has imposed, established, or maintained comprehensive trade embargoes, economic sanctions, or prohibitions on the export of goods, services, software, or technology.

15.8 Relationship of the Parties

You and CryptoMantiq are independent contractors. These Terms do not create any partnership, joint venture, employment, franchise, or agency relationship between you and us.

15.9 No Third-Party Beneficiaries

These Terms are for the benefit of you and us only. No third party shall have any right to enforce any provision of these Terms.

15.10 Language

These Terms are drafted in English. If these Terms are translated into any other language, the English version shall prevail in the event of any conflict or discrepancy.

16. Contact Us

CryptoMantiq, LLC

Email: support@cryptomantiq.com
Website: https://cryptomantiq.com

For specific matters, please include the appropriate designation in your email subject line: For general support inquiries, questions, or assistance, please use the subject line "Support Request"; for legal matters, legal notices, legal inquiries, or communications to our legal department, please use the subject line "Attn: Legal"; for DMCA copyright infringement notices, counter-notices, or copyright-related matters, please use the subject line "Attn: DMCA Agent"; for subscription cancellations, account closure requests, or termination notices, please use the subject line "Cancel Subscription"; and for billing issues, payment problems, refund requests, or invoice inquiries, please use the subject line "Billing Support". We aim to respond to all inquiries, requests, and communications within two (2) business days of receipt, although response times may vary depending on the volume of inquiries and the complexity of the matter.

Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

You specifically, expressly, and unequivocally acknowledge, understand, agree, and affirm that: CryptoMantiq is exclusively an educational technology platform and does not provide, offer, or engage in any financial services, investment services, or advisory services of any kind; CryptoMantiq does not provide, offer, furnish, or deliver any financial advice, investment advice, trading advice, portfolio management advice, or recommendations regarding the purchase, sale, or holding of any securities, digital assets, or financial instruments; CryptoMantiq is not registered, licensed, or qualified as an investment adviser under the Investment Advisers Act of 1940, is not registered with the Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any state securities regulator, and is not subject to regulation or oversight as an investment adviser or financial services provider; CryptoMantiq does not custody, hold, store, safeguard, transmit, transfer, or have any access to, control over, or possession of any cryptocurrency, digital assets, virtual currency, or user funds of any kind; all investment decisions, trading decisions, financial decisions, asset allocation decisions, and portfolio management decisions are your sole, exclusive, and personal responsibility, and you bear all risk, liability, and accountability for such decisions and their outcomes; investing, trading, or engaging with cryptocurrency, digital assets, and blockchain-based instruments is extremely high-risk, highly speculative, and may result in substantial or total financial loss; you may lose some, most, or all of your invested capital, and you should only invest money that you can afford to lose entirely without materially impacting your financial well-being; you should and must consult with qualified, licensed financial advisors, investment professionals, tax professionals, and legal counsel who are familiar with your individual circumstances before making any investment or financial decisions; you have carefully read, reviewed, and fully understood the binding arbitration agreement and class action waiver provisions set forth in Section 12 of these Terms, and you acknowledge that these provisions significantly affect your legal rights and remedies; you voluntarily and knowingly accept, assume, and bear all risks, hazards, dangers, and potential adverse consequences associated with or arising from your access to and use of the Services; and CryptoMantiq's total aggregate liability to you for all claims, damages, losses, or causes of action is strictly limited to the amounts specified in Section 9.3 of these Terms, and you acknowledge and accept such limitation of liability.

Thank you for choosing CryptoMantiq for your cryptocurrency education.

Learn responsibly. Trade carefully. Invest wisely.

END OF TERMS OF SERVICE

Last Updated: January 1, 2026

For the previous version of these Terms, please contact support@cryptomantiq.com