Terms and Conditions

Terms and Conditions

Effective Date: December 29, 2025
Last Updated: December 29, 2025
Version: 1.0

1. Introduction and Acceptance of Terms

Welcome to giannisandreou.com ("Website", "Platform", "we", "us", or "our"), operated by Giannis Andreou. These Terms and Conditions ("Terms", "Agreement") govern your access to and use of our Website and all associated services, including:

• The Andreou Report: Cryptocurrency market analysis, insights, and educational blog content
• Educational Courses: Online courses and training programs (Andreou Academy)
• Books: Digital and physical books
• Events: Blockchain Summits and educational events
• E-Commerce: Products and merchandise
• All Other Services: Any content, features, or services available through our Platform

By accessing or using any part of our Platform or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

Important Notice: These Terms contain provisions that limit our liability and require binding arbitration for dispute resolution. Please read them carefully.

2. Definitions

"User", "you", or "your" means any individual or entity accessing or using our Services.

"Account" means the registered account you create to access our Services.

"Content" means all text, images, videos, audio, code, data, and other materials available through our Services, including but not limited to educational courses, blog articles, reports, books, and multimedia content.

"Educational Services" means our online courses, webinars, training programs, and related educational materials.

"Paid Services" means any Services requiring payment, including premium courses, books, event tickets, and products.

"Free Services" means Services provided without charge, including free courses and blog content.

3. Eligibility and Account Registration

3.1 Age Requirements

You must be at least 18 years old to use our Services. If you are under 18, you may only use our Services with the involvement and consent of a parent or legal guardian who agrees to be bound by these Terms.

Jurisdiction-Specific Age Requirements:

• European Union (GDPR): Users under 16 require parental consent
• South Africa (POPIA): Users under 18 require parental consent
• United Arab Emirates (PDPL): Users under 21 may require guardian consent depending on context
• United States (COPPA): Users under 13 are prohibited

3.2 Account Creation

To access certain features, you must create an Account by providing accurate, complete, and current information including:

• Full name
• Valid email address
• Secure password
• Any additional information required for specific Services

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your Account credentials
• All activities that occur under your Account
• Notifying us immediately of any unauthorized use
• Ensuring your Account information remains accurate and up-to-date

We are not liable for any loss or damage arising from your failure to comply with these security obligations.

3.4 Account Termination

We reserve the right to suspend or terminate your Account at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Abusive or harmful behavior toward other users or our team
• Non-payment of fees
• Inactivity for extended periods
• Any other reason at our sole discretion

You may terminate your Account at any time through your Account settings or by contacting us. Termination does not entitle you to refunds for any Paid Services already purchased unless otherwise stated in Section 6.

4. Educational Services and Course Access

4.1 Course Enrollment

By enrolling in a course, you receive a non-exclusive, non-transferable, revocable license to access course materials for personal, non-commercial educational purposes only.

4.2 Free Courses

Free courses are provided at no charge but remain subject to these Terms. We reserve the right to:

• Modify, suspend, or discontinue free courses at any time
• Limit enrollment or access
• Convert free courses to paid courses with advance notice to enrolled users
• Remove content or features

Current free course offerings include:

• "Blockchain Και Κρυπτονομίσματα Από Το Α-Ζ" (30 videos, beginner level)

4.3 Paid Courses

Paid courses require payment before access is granted. Current paid course offerings include:

• "AI Mastery για τη Νέα Οικονομία" - €97
• "Ανώτερη Εκπαίδευση για Κρυπτονομίσματα" - €247

Course pricing is displayed in Euros (€) and may be subject to change. Prices displayed at the time of purchase are final for that transaction.

4.4 Course Content and Updates

Course content is current as of the recording date. We strive to keep courses updated but:

• Cryptocurrency and technology topics evolve rapidly
• We are not obligated to update course materials continuously
• Updates are provided at our discretion
• Update schedules are not guaranteed

You acknowledge that information may become outdated, and you should conduct your own research.

4.5 Course Access Duration

Unless otherwise specified:

• Paid Courses: Lifetime access as long as the course remains available on our Platform and your Account remains in good standing
• Free Courses: Access provided at our discretion and may be revoked at any time

"Lifetime access" means access for as long as we continue to offer the course. We reserve the right to discontinue any course, with reasonable notice where feasible.

4.6 Course Completion and Certificates

Completion of courses may result in the issuance of a certificate of completion. Such certificates:

• Confirm course completion only
• Do not constitute professional certification, accreditation, or licensing
• Are not recognized by educational institutions unless explicitly stated
• May be revoked for Terms violations

5. Content License and Intellectual Property

5.1 Our Intellectual Property

All Content on our Platform, including but not limited to course videos, blog articles, reports, books, graphics, logos, trademarks, software, code, and design elements, is owned by or licensed to Giannis Andreou and protected by:

• Copyright laws (EU Copyright Directive, U.S. Copyright Act, South African Copyright Act, UAE Copyright Law)
• Trademark laws
• Trade secret laws
• Other intellectual property laws

"The Andreou Report", "Giannis Andreou", "Andreou Academy", "Bitmern Mining", and all related logos and branding are our trademarks. You may not use our trademarks without express written permission.

5.2 License Grant to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and view Content for personal, non-commercial use
• Download course materials explicitly designated as downloadable
• Stream video content through our Platform

5.3 Restrictions on Use

You may NOT:

• Copy, reproduce, distribute, or publicly display any Content except as expressly permitted
• Modify, adapt, translate, or create derivative works from our Content
• Download or record video content using screen capture or recording software
• Share Account credentials or course access with others
• Sell, rent, lease, sublicense, or transfer your access rights
• Reverse engineer, decompile, or disassemble any software or systems
• Remove copyright notices, watermarks, or proprietary markings
• Use Content for commercial purposes including commercial training or resale
• Republish Content on other websites, platforms, or media
• Use Content to create competing educational products or services

Violation of these restrictions may result in immediate Account termination and legal action.

5.4 User-Generated Content

If you submit, post, or transmit any content through our Services ("User Content"), including comments, questions, forum posts, or feedback, you:

• Retain ownership of your User Content
• Grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with operating and improving our Services
• Represent and warrant that you own or have necessary rights to your User Content
• Represent that your User Content does not violate these Terms or any third-party rights

We reserve the right to remove any User Content that violates these Terms, at our sole discretion, without notice.

5.5 Trademark Usage

You may not use "The Andreou Report", "Giannis Andreou", "Andreou Academy", "Bitmern Mining", or any of our other trademarks in:

• Domain names
• Business names
• Social media handles
• Marketing materials
• Any manner that suggests affiliation, endorsement, or sponsorship without written permission

5.6 Copyright Infringement Claims (DMCA)

We respect intellectual property rights. If you believe Content on our Platform infringes your copyright, please provide written notice to contact@giannisandreou.com with:

• Identification of the copyrighted work claimed to be infringed
• Identification of the infringing material and its location
• Your contact information (name, address, telephone, email)
• A statement of good faith belief that use is not authorized
• A statement that the information is accurate and you are authorized to act
• Your physical or electronic signature

We will respond to valid DMCA notices in accordance with applicable law.

6. Payment Terms and Refund Policy

6.1 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor. By making a purchase, you agree to Stripe's Terms of Service and Privacy Policy.

We do not store your complete payment card details. Stripe maintains PCI-DSS compliance for secure payment processing.

6.2 Accepted Payment Methods

• Credit cards (Visa, Mastercard, American Express)
• Debit cards
• Other payment methods supported by Stripe

6.3 Pricing and Currency

• All prices are displayed in Euros (€)
• Prices include applicable VAT/sales tax where legally required
• Foreign transaction fees may apply based on your card issuer
• Currency conversion is handled by your payment provider

6.4 Price Changes

We reserve the right to change prices at any time. Price changes apply to future purchases only. Users who purchased at a previous price are not affected.

6.5 Refund Policy

14-Day Money-Back Guarantee for Paid Courses:

If you are not satisfied with a paid course, you may request a full refund within 14 days of purchase, provided you have:

• Completed less than 25% of the course content
• Not downloaded substantial course materials
• Not previously received a refund for the same course

How to Request a Refund:
Contact us at contact@giannisandreou.com with your order details and reason for refund. Refunds are processed within 7-10 business days to your original payment method.

No Refunds After 14 Days:
After the 14-day period, all sales are final. No refunds will be provided, except where required by law.

Books and Physical Products:
Books and physical products follow the same 14-day return policy where permitted by law. Digital books are subject to the same restrictions as courses (no refund if substantially accessed).

Refunds Not Available For:

• Free courses (no payment made)
• Event tickets (separate cancellation policy applies)
• Courses substantially completed (>25% of content accessed)
• Digital content substantially accessed or downloaded
• Accounts terminated for Terms violations
• Services purchased more than 14 days ago

6.6 Failed Payments and Chargebacks

If a payment fails or is reversed (chargeback), we may:

• Immediately suspend or terminate your Account and access
• Pursue collection of outstanding amounts
• Report fraudulent chargebacks to relevant authorities
• Ban you from future purchases

Important: If you dispute a charge, contact us first. Fraudulent chargebacks may result in permanent account suspension and legal action.

7. Blockchain Summits and Events

7.1 Event Registration and Tickets

We organize and host Blockchain Summits and other educational events in various locations including Athens, Thessaloniki, and Cyprus. Event registration is subject to these Terms plus any event-specific terms provided during registration.

7.2 Event Changes and Cancellations

We reserve the right to:

• Change event dates, times, locations, or speakers
• Cancel events due to unforeseen circumstances
• Modify event format (in-person to virtual, etc.)
• Limit attendance capacity

If we cancel an event: Full refund of ticket price will be provided. We are not responsible for travel expenses, accommodation, or other incidental costs.

If you cancel your attendance: Refund eligibility depends on timing:

• More than 30 days before event: Full refund minus 10% processing fee
• 14-30 days before event: 50% refund
• Less than 14 days before event: No refund
• No-shows: No refund

7.3 Event Recordings and Replays

Events may be recorded. By attending, you consent to being recorded and grant us the right to use such recordings for promotional and educational purposes.

Event recordings and replays may be made available to ticket holders or the general public at our discretion.

8. Andreou Report Blog and Content

8.1 Blog Content Access

The Andreou Report blog provides cryptocurrency market analysis, insights, and educational content. Blog content is generally freely accessible but may be subject to access restrictions for certain premium content.

8.2 Content Accuracy and Updates

We strive to provide accurate, timely information. However:

• Market conditions change rapidly
• Information may become outdated
• We do not guarantee completeness or accuracy
• Content should not be relied upon as sole source of information

8.3 Third-Party Links and Sources

Our blog may contain links to third-party websites and cite external sources. We are not responsible for:

• Accuracy of external content
• Privacy practices of linked sites
• Availability of external resources
• Content or services provided by third parties

9. Prohibited Conduct and User Obligations

9.1 Prohibited Activities

You agree NOT to:

• Violate any applicable laws or regulations
• Infringe intellectual property rights of others
• Share false, misleading, or fraudulent information
• Impersonate any person or entity
• Harass, threaten, or harm other users
• Post spam, advertisements, or solicitations without permission
• Upload malware, viruses, or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services
• Scrape, data mine, or use automated tools without permission
• Bypass security measures or access restrictions
• Encourage illegal activity or violence
• Share explicit sexual or violent content
• Engage in market manipulation discussions or "pump and dump" schemes
• Provide investment advice without proper licensing
• Use our Services for money laundering or terrorist financing

9.2 Know Your Customer (KYC) and Anti-Money Laundering (AML)

While we are an educational platform and not a financial services provider, we reserve the right to request identity verification for:

• High-value transactions
• Suspicious activity
• Compliance with legal requirements

Failure to provide requested verification may result in service restrictions or account termination.

9.3 Compliance with Export Controls

Our Services may not be available in all jurisdictions. You may not use our Services if you are:

• Located in countries subject to sanctions (e.g., Iran, North Korea, Syria, Cuba)
• Designated on sanctions lists (OFAC SDN List, EU Sanctions List, etc.)
• Otherwise prohibited by law from accessing our Services

10. Disclaimers and Limitation of Liability

10.1 Investment and Financial Disclaimer

CRITICAL WARNING: WE DO NOT PROVIDE INVESTMENT, FINANCIAL, TAX, OR LEGAL ADVICE.

All educational content, courses, blog articles, books, and materials are for informational and educational purposes only. You should not construe any such information as investment, financial, tax, or legal advice.

See our separate "Investment Advice Disclaimer" for comprehensive warnings about cryptocurrency risks.

10.2 No Professional Relationship

No advisory, fiduciary, or professional-client relationship is created by:

• Accessing our Website or Services
• Enrolling in courses
• Purchasing books or products
• Reading blog content
• Attending events
• Communicating with us

We are educators and publishers, not financial advisors, investment advisors, tax advisors, or legal counsel.

10.3 "AS IS" Disclaimer

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of content
• Uninterrupted or error-free operation
• Security of data transmission
• Freedom from viruses or harmful code

10.4 No Guarantees of Results

We make NO guarantees, promises, or representations regarding:

• Investment returns or profitability
• Learning outcomes or skill acquisition
• Career advancement or employment
• Business success or income generation
• Cryptocurrency price movements
• Trading or investment success

Your results depend on factors beyond our control, including your effort, prior knowledge, market conditions, and luck.

10.5 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

Giannis Andreou, The Andreou Report, Bitmern Mining, our affiliates, officers, directors, employees, agents, and licensors SHALL NOT BE LIABLE for any:

• Direct, indirect, incidental, consequential, special, punitive, or exemplary damages
• Loss of profits, revenue, data, or business opportunities
• Financial losses from investment decisions
• Losses from cryptocurrency trading or holding
• Damages from unauthorized access to your Account
• Damages from service interruptions or errors
• Losses from third-party actions (exchanges, regulators, etc.)
• Damages from reliance on Content

Even if we have been advised of the possibility of such damages.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR €100, WHICHEVER IS LESS.

10.6 Jurisdiction-Specific Limitations

Some jurisdictions do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages. In such jurisdictions:

• Limitations may not apply to you
• Our liability is limited to the maximum extent permitted by law
• Statutory consumer rights remain unaffected where non-waivable

11. Indemnification

You agree to indemnify, defend, and hold harmless Giannis Andreou, The Andreou Report, Bitmern Mining, our affiliates, and all associated parties from any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use or misuse of our Services
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your User Content
• Your investment or trading activities
• Your distribution of our Content in violation of these Terms
• Any claims by third parties related to your actions

This indemnification survives termination of your Account and these Terms.

12. Third-Party Services and Integrations

12.1 Service Providers

Our Platform integrates with third-party services including:

• Webflow: Website hosting and infrastructure
• Memberstack: User authentication and membership management
• Stripe: Payment processing
• GetResponse: Email marketing
• Google Analytics: Website analytics
• Microsoft Clarity: User behavior analytics
• Meta Pixel: Advertising and analytics
• Zapier: Workflow automation

Your use of these integrated services is subject to their respective terms of service and privacy policies. We are not responsible for third-party service failures, data breaches, or policy changes.

12.2 Cryptocurrency Exchanges and Wallets

We may reference or provide educational content about cryptocurrency exchanges and wallets. We are not responsible for:

• Exchange outages, hacks, or insolvency
• Lost or stolen cryptocurrency
• Wallet security vulnerabilities
• Regulatory actions against exchanges
• Transaction errors or delays

You use exchanges and wallets at your own risk. Never invest more than you can afford to lose.

12.3 Affiliate Relationships and Disclosure

We may earn commissions from affiliate relationships with cryptocurrency exchanges, services, and products we discuss or recommend. Such relationships do not:

• Influence our educational content
• Constitute endorsements or investment advice
• Guarantee the quality or safety of third-party services
• Create any obligation for us regarding third-party performance

All material connections are disclosed in accordance with FTC guidelines and EU consumer protection laws.

13. Privacy and Data Protection

13.1 Privacy Policy

Our collection, use, and protection of your personal information is governed by our separate Privacy Policy, which is incorporated into these Terms by reference.

By using our Services, you also agree to our Privacy Policy.

13.2 Communications

By creating an Account, you consent to receive:

• Transactional emails (purchase confirmations, password resets, etc.)
• Service announcements and updates
• Educational content and newsletters (if subscribed)
• Marketing communications (with consent, where required by law)

You may opt out of marketing communications at any time via unsubscribe links in emails or your Account settings. You cannot opt out of essential transactional communications.

13.3 Data Retention

We retain your personal data as described in our Privacy Policy. Upon Account deletion:

• Personal data is removed within 90 days
• Transaction records are retained for 7 years for tax compliance
• Anonymized data may be retained indefinitely for analytics

14. Modifications to Terms and Services

14.1 Changes to Terms

We reserve the right to modify these Terms at any time. Changes become effective:

• Immediately upon posting for non-material changes
• 30 days after notice for material changes

Notice of Changes: We will notify you of material changes via:

• Email to your registered address
• Prominent notice on our Website
• In-app notification

Your continued use of Services after changes constitutes acceptance. If you do not agree to modified Terms, you must stop using our Services.

14.2 Changes to Services

We reserve the right to:

• Modify, suspend, or discontinue any Services
• Change course content, structure, or pricing
• Add or remove features
• Impose usage limits

We will provide reasonable notice where feasible but are not obligated to maintain any specific feature or service indefinitely.

15. Termination

15.1 Termination by You

You may terminate your Account at any time by:

• Accessing Account settings and selecting "Delete Account"
• Contacting us at contact@giannisandreou.com

Termination does not entitle you to refunds except as provided in Section 6.5.

15.2 Termination by Us

We may suspend or terminate your Account immediately, without notice, for:

• Terms violations
• Fraudulent activity
• Abusive behavior
• Non-payment
• Legal requirements
• Any reason at our sole discretion

15.3 Effect of Termination

Upon termination:

• Your access to Services ceases immediately
• Your license to use Content is revoked
• Sections of these Terms that should survive termination remain in effect (payment obligations, disclaimers, limitation of liability, indemnification, dispute resolution)
• Outstanding payment obligations remain due
• We may delete your Account data subject to retention obligations

16. Dispute Resolution and Governing Law

16.1 Informal Resolution

Before filing a claim, you agree to contact us at contact@giannisandreou.com to seek informal resolution. We will attempt to resolve disputes amicably within 30 days.

16.2 Governing Law

These Terms are governed by and construed in accordance with:

• Primary Jurisdiction: The laws of Greece (for users within the European Union)
• Alternative Jurisdictions: As applicable to your location and relationship with us

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

16.3 Arbitration Agreement (for non-EU users)

For users OUTSIDE the European Union:

You and we agree that any dispute arising from these Terms or your use of Services shall be resolved through binding arbitration rather than in court, except:

• Small claims within jurisdictional limits
• Intellectual property disputes
• Actions to enforce arbitration awards

Arbitration Rules:

• Conducted under International Chamber of Commerce (ICC) Arbitration Rules
• Single arbitrator appointed pursuant to ICC Rules
• Location: Athens, Greece, or location mutually agreed
• Language: English or Greek
• Costs: Each party bears their own costs, arbitrator fees split equally

Class Action Waiver: Disputes must be brought individually. No class arbitrations or class actions are permitted.

16.4 EU Users - Jurisdiction and Venue

For users within the European Union:

Nothing in this Agreement limits your statutory consumer rights under EU law, including rights under the Consumer Rights Directive (2011/83/EU).

• Disputes may be brought in the courts of your country of residence
• You may also have disputes resolved through the European Commission's Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr

16.5 Jurisdiction-Specific Provisions

South African Users (POPIA):

• You may file complaints with the Information Regulator
• Disputes may be subject to South African Consumer Protection Act provisions
• Courts of competent jurisdiction in South Africa may hear disputes

UAE Users (PDPL):

• You may file complaints with the UAE Data Office
• Disputes subject to UAE law and Dubai courts
• DIFC Courts may have jurisdiction for disputes involving DIFC entities

United States Users (California CCPA/CPRA):

• California residents retain rights under CCPA/CPRA
• Arbitration conducted per Section 16.3
• California Privacy Protection Agency has enforcement authority

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms for specific Services, constitute the entire agreement between you and us regarding use of our Services and supersede all prior agreements.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or severed if modification is not possible. The remaining provisions continue in full force.

17.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.

17.4 Assignment

You may not assign or transfer these Terms or your Account without our written consent. We may assign these Terms to any affiliate, successor, or acquirer without restriction.

17.5 Force Majeure

We are not liable for failure to perform obligations due to circumstances beyond our reasonable control including:

• Natural disasters
• War, terrorism, civil unrest
• Government actions or restrictions
• Internet or telecommunications failures
• Third-party service failures
• Pandemics or public health emergencies

17.6 Independent Contractors

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and us.

17.7 Third-Party Beneficiaries

These Terms do not confer any rights or remedies on any third parties.

17.8 Language

These Terms are prepared in English. In the event of conflict between English and translated versions, the English version prevails.

17.9 Survival

Sections that by their nature should survive termination shall survive, including but not limited to: payment obligations, intellectual property provisions, disclaimers, limitation of liability, indemnification, dispute resolution, and general provisions.

18. Contact Information

For questions about these Terms:

Email: contact@giannisandreou.com
Website: giannisandreou.com

Legal Entity: Giannis Andreou

Business Address: [To be added if required for regulatory purposes]

19. Regulatory Notices and Compliance

19.1 Not a Financial Services Provider

We are NOT registered or licensed as:

• Investment adviser (U.S. SEC)
• Financial services provider (South Africa FSCA)
• Virtual assets service provider (UAE VARA)
• MiFID investment firm (EU)
• Any other regulated financial entity

We operate as a publisher of educational content under applicable exemptions.

19.2 Tax Obligations

You are solely responsible for:

• Determining any tax obligations related to cryptocurrency investments
• Filing appropriate tax returns
• Paying all applicable taxes
• Complying with tax laws in your jurisdiction

We do not provide tax advice. Consult a qualified tax professional.

19.3 South African Cryptocurrency Warning

MANDATORY WARNING FOR SOUTH AFRICAN USERS:

Investing in crypto assets may result in the loss of capital. Crypto assets are not regulated by the South African Reserve Bank or the Financial Sector Conduct Authority.

19.4 EU Consumer Rights

EU consumers have specific rights under the Consumer Rights Directive (2011/83/EU) including:

• 14-day cooling-off period for distance contracts (may not apply to fully performed digital content with consent)
• Right to clear pre-contractual information
• Protection against unfair contract terms

These rights are in addition to (not replacement of) our standard refund policy.

19.5 E-Commerce Directive Compliance

In accordance with the EU E-Commerce Directive (2000/31/EC):

• Service provider: Giannis Andreou
• Contact: contact@giannisandreou.com
• VAT Number: [To be added if applicable]
• Professional body registration: Not applicable (educational publisher)

20. Acknowledgment and Agreement

BY CREATING AN ACCOUNT OR USING ANY PART OF OUR PLATFORM OR SERVICES, YOU ACKNOWLEDGE THAT:

• You have read and understood these Terms and our Privacy Policy
• You agree to be bound by these Terms
• You meet the eligibility requirements
• You understand that cryptocurrency investing carries substantial risk
• You will not hold us liable for your investment decisions
• You will comply with all applicable laws
• You understand these Terms contain binding arbitration and class action waiver provisions (for non-EU users)

Last Updated: December 29, 2025
Version: 1.0

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.