Legal Disclaimer

Block Wall Street - Blockchain Education Platform
Website: blockwallstreet.io
 

Last Updated: December 7, 2024
Version: 2.0 (Illinois Jurisdiction)
Effective Date: December 7, 2024

1. GENERAL DISCLAIMER

Block Wall Street (“Company,” “we,” “us,” or “our”) provides blockchain and cryptocurrency educational content and services through our website blockwallstreet.io. These legal disclaimers are governed by Illinois state law and are designed to inform users of important limitations and responsibilities.
IMPORTANT: By accessing or using our website and services, you acknowledge that you have read,
understood, and agree to these disclaimers. If you do not agree with any part of these disclaimers, you
must not use our services.

2. EDUCATIONAL CONTENT DISCLAIMER

2.1 Not Financial Advice
CRITICAL NOTICE: All content provided by Block Wall Street is for educational and informational
purposes only and does NOT constitute:
- Financial, investment, or trading advice
- Professional recommendations or endorsements
- Personalized investment strategies
- Guarantees of investment returns or outcomes
- Tax, legal, or accounting guidance

2.2 Educational Purpose Only
Our courses, articles, videos, and other educational materials are designed to:
- Provide general information about blockchain technology
- Explain cryptocurrency concepts and mechanisms
- Discuss market trends and analysis for educational purposes
- Share historical data and case studies
- Facilitate learning and understanding of digital assets

2.3 Independent Decision Making
You acknowledge that:
- All investment decisions are your sole responsibility
- You should conduct your own research and due diligence
- You should consult with qualified financial professionals
- Past performance does not guarantee future results
- Cryptocurrency investments carry significant risks

3. CRYPTOCURRENCY AND BLOCKCHAIN RISK WARNINGS

3.1 High-Risk Investment Warning
WARNING: Cryptocurrency and blockchain investments are highly speculative and carry substantial
risk of loss. You may lose some or all of your investment. Risks include but are not limited to:
Market Volatility:
- Extreme price fluctuations and market instability
- Rapid and unpredictable value changes
- Potential for total loss of investment
- Lack of market regulation and oversight
Technology Risks:
- Software bugs and technical failures
- Cybersecurity threats and hacking attempts
- Loss of private keys or wallet access
- Blockchain network disruptions or forks
Regulatory Risks:
- Changing government regulations and policies
- Potential prohibition or restriction of cryptocurrencies
- Tax implications and reporting requirements
- Legal uncertainty in various jurisdictions

3.2 Illinois-Specific Considerations
Under Illinois law, particularly the Illinois Consumer Fraud and Deceptive Business Practices Act (815
ILCS 505/), we emphasize that:
- No representations are made about guaranteed profits
- All educational content is provided in good faith
- Users must make independent investment decisions
- We do not engage in deceptive or misleading practices
3.3 No Guarantee of Accuracy
While we strive for accuracy, we cannot guarantee that:
- All information is current, complete, or error-free
- Market data and analysis are always accurate
- Educational content reflects the latest developments
- Third-party information is reliable or verified

4. PROFESSIONAL LIABILITY LIMITATIONS

4.1 Scope of Educational Services
Block Wall Street provides educational services only and does not:
- Offer licensed financial advisory services
- Provide personalized investment recommendations
- Act as a registered investment advisor
- Offer securities or investment products
- Provide legal, tax, or accounting services

4.2 Professional Licensing
We are not:
- Licensed as investment advisors in Illinois or any other state
- Registered with the Securities and Exchange Commission (SEC)
- Certified financial planners or investment professionals
- Licensed attorneys, accountants, or tax professionals

4.3 Limitation of Professional Liability
To the maximum extent permitted by Illinois law:
- We disclaim all professional liability for investment decisions
- Our liability is limited to the fees paid for educational services
- We are not responsible for investment losses or damages
- Users assume all risks associated with their investment decisions

5. THIRD-PARTY CONTENT AND SERVICES

5.1 External Links and References
Our website may contain links to third-party websites, services, or resources. We disclaim
responsibility for:
- Content, accuracy, or availability of external sites
- Privacy practices of third-party websites
- Products or services offered by external providers
- Any damages resulting from third-party interactions

5.2 Guest Contributors and Speakers
Content from guest contributors, speakers, or partners:
- Represents their individual opinions and perspectives
- Does not necessarily reflect our views or recommendations
- Is provided for educational purposes only
- Should not be considered as our endorsement

5.3 Third-Party Tools and Platforms
We may reference or integrate with third-party tools, but:
- We do not endorse or guarantee their performance
- Users assume all risks of using external tools
- We are not responsible for third-party service failures
- Privacy and security policies of third parties apply

6. SERVICE AVAILABILITY AND PERFORMANCE

6.1 Service Interruptions
We do not guarantee:
- Continuous, uninterrupted service availability
- Error-free operation of our website or platform
- Compatibility with all devices or browsers
- Immediate resolution of technical issues

6.2 Technical Limitations
Our services may be affected by:
- Scheduled maintenance and updates
- Internet connectivity issues
- Server capacity limitations
- Force majeure events beyond our control

6.3 Data Loss and Backup
While we implement reasonable backup procedures:
- We cannot guarantee against data loss
- Users should maintain their own records
- We are not liable for lost educational progress
- Account information may be subject to technical limitations

7. INTELLECTUAL PROPERTY DISCLAIMERS

7.1 Fair Use and Educational Purpose
Our use of third-party content is based on:
- Fair use principles for educational purposes
- Proper attribution when required
- Good faith belief in lawful use
- Compliance with copyright and trademark laws

7.2 User-Generated Content
Regarding content submitted by users:
- We do not pre-screen all user submissions
- Users are responsible for their own content
- We reserve the right to remove inappropriate content
- We are not liable for user-generated content

7.3 Trademark and Copyright Notice
All trademarks, logos, and copyrighted materials:
- Remain the property of their respective owners
- Are used for educational and informational purposes
- Do not imply endorsement or affiliation
- Are subject to fair use and educational exemptions

8. REGULATORY AND COMPLIANCE DISCLAIMERS

8.1 Illinois Law Compliance
We operate in compliance with Illinois state law, including:
- Illinois Consumer Fraud and Deceptive Business Practices Act
- Illinois Personal Information Protection Act
- Illinois Biometric Information Privacy Act (BIPA)
- Chicago local business regulations

8.2 Federal Regulatory Compliance
We strive to comply with applicable federal regulations:
- Securities and Exchange Commission (SEC) guidelines
- Commodity Futures Trading Commission (CFTC) rules
- Financial Crimes Enforcement Network (FinCEN) requirements
- Federal Trade Commission (FTC) consumer protection standards

8.3 Regulatory Changes
We reserve the right to:
- Modify services to comply with new regulations
- Suspend services if required by law
- Update disclaimers based on regulatory changes
- Seek legal guidance for compliance matters

9. HEALTH AND SAFETY DISCLAIMERS

9.1 Mental Health Considerations
Cryptocurrency investing and trading can be stressful. We recommend:
- Maintaining a balanced approach to investing
- Seeking professional help if experiencing anxiety or stress
- Not investing more than you can afford to lose
- Taking breaks from market monitoring

9.2 Accessibility Accommodations
In compliance with Illinois accessibility requirements:
- We strive to make our content accessible to all users
- Alternative formats may be available upon request
- We welcome feedback on accessibility improvements
- Accommodations can be requested through our support team

10. LIMITATION OF LIABILITY

10.1 Illinois Law Limitations

To the maximum extent permitted by Illinois law:
- Our total liability shall not exceed the amount paid for services
- We exclude liability for indirect, incidental, or consequential damages
- We are not liable for investment losses or missed opportunities
- Users assume all risks associated with cryptocurrency investments

10.2 Consumer Protection Rights
Nothing in these disclaimers limits your rights under:
- Illinois Consumer Fraud and Deceptive Business Practices Act
- Illinois Uniform Deceptive Trade Practices Act
- Federal consumer protection laws
- Other applicable consumer protection statutes

10.3 Force Majeure
We are not liable for delays or failures due to:
- Natural disasters or extreme weather events
- Government actions or regulatory changes
- Internet or telecommunications failures
- Cyberattacks or security breaches beyond our control

11. INDEMNIFICATION

11.1 User Indemnification
You agree to indemnify and hold harmless Block Wall Street from claims arising from:
- Your use of our educational services
- Your investment decisions and activities
- Your violation of these disclaimers or our terms
- Your infringement of third-party rights

11.2 Scope of Indemnification
This indemnification covers:
- Legal fees and court costs
- Damages awarded to third parties
- Settlement amounts approved by us
- Other reasonable expenses related to claims

12. DISPUTE RESOLUTION AND GOVERNING LAW

12.1 Illinois Jurisdiction
These disclaimers are governed by Illinois state law, and any disputes shall be resolved in:
- State courts of Cook County, Illinois
- Federal courts for the Northern District of Illinois

12.2 Informal Resolution
Before pursuing legal action, parties agree to:
- Attempt good faith resolution through direct communication
- Provide detailed notice of any claims or disputes
- Allow reasonable time for resolution efforts

12.3 Statute of Limitations
Claims must be brought within the time limits specified by Illinois law, typically within one (1) year of
when the claim arose.

13. MODIFICATIONS AND UPDATES

13.1 Right to Modify
We reserve the right to update these disclaimers:
- To reflect changes in our services
- To comply with new laws or regulations
- To clarify existing provisions
- To address new risks or considerations

13.2 Notice of Changes
Material changes will be communicated through:
- Email notification to registered users
- Prominent notice on our website
- Updated “Last Modified” date
- 30-day advance notice when required by law

13.3 Continued Use
Your continued use of our services after changes constitutes acceptance of the updated disclaimers.

14. CONTACT INFORMATION

For questions about these disclaimers or to report concerns:

Legal Department
Block Wall Street
Email: legal@blockwallstreet.io
Phone: [Phone Number]
Address: [Chicago, Illinois Address]

Compliance Officer
Email: compliance@blockwallstreet.io
Response Time: 5 business days

Illinois Consumer Protection Resources:
- Illinois Attorney General’s Office
- Chicago Department of Business Affairs & Consumer Protection
- Illinois Department of Financial & Professional Regulation

15. ACKNOWLEDGMENT AND ACCEPTANCE
By using Block Wall Street’s services, you acknowledge that:
- You have read and understood these disclaimers
- You accept the risks associated with cryptocurrency education and investment
- You will make independent decisions based on your own research
- You understand the limitations of our educational services
- You agree to be bound by Illinois state law