Terms & Conditions

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

1. ACCEPTANCE OF TERMS

Welcome to Block Wall Street, a blockchain and cryptocurrency education platform operated by Block
Wall Street (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use
of our website located at blockwallstreet.io and all related services, features, and content (collectively,
the “Service”).
By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you
disagree with any part of these Terms, you may not access the Service.
Governing Law: These Terms are governed exclusively by Illinois state law, without regard to conflict
of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively
in the state courts of Cook County, Illinois, or the federal courts for the Northern District of Illinois.

2. DESCRIPTION OF SERVICE

2.1 Educational Platform
Block Wall Street provides comprehensive blockchain and cryptocurrency education through:
- Online courses and educational content
- Interactive learning modules and assessments
- Community forums and discussion groups
- Certification programs and credentials
- Educational resources and research materials

2.2 Service Availability
We strive to maintain continuous service availability but do not guarantee uninterrupted access.
Service may be temporarily unavailable due to:
- Scheduled maintenance and updates
- Technical difficulties or system failures
- Force majeure events beyond our control
- Legal or regulatory requirements

2.3 Educational Purpose
Our content is provided for educational purposes only and does not constitute:
- Financial, investment, or trading advice
- Professional recommendations or endorsements
- Legal, tax, or accounting guidance
- Guarantees of investment returns or outcomes

3. USER ACCOUNTS AND REGISTRATION

3.1 Account Creation
To access certain features of our Service, you must create an account by providing:
- Accurate and complete registration information
- Valid email address and contact information
- Secure password meeting our requirements
- Acceptance of these Terms and our Privacy Policy

3.2 Account Responsibilities
You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Immediately notifying us of any unauthorized use
- Providing accurate and up-to-date account information

3.3 Account Termination
We reserve the right to suspend or terminate your account if you:
- Violate these Terms or our policies
- Provide false or misleading information
- Engage in fraudulent or illegal activities
- Fail to pay applicable fees or charges

4. ACCEPTABLE USE POLICY

4.1 Permitted Uses

You may use our Service to:
- Access and participate in educational courses
- Engage in community discussions and forums
- Download and use educational materials for personal learning
- Share appropriate educational content with proper attribution

4.2 Prohibited Activities
You agree not to:
- Use the Service for any illegal or unauthorized purpose
- Violate any applicable laws or regulations
- Infringe upon intellectual property rights
- Transmit harmful, offensive, or inappropriate content
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the Service or servers
- Use automated tools to access or scrape content
- Impersonate others or provide false information
- Engage in harassment, bullying, or discriminatory behavior

4.3 Content Standards
All user-generated content must:
- Comply with applicable laws and regulations
- Respect the rights and dignity of others
- Be relevant to blockchain and cryptocurrency education
- Avoid spam, advertising, or commercial solicitation
- Maintain professional and respectful tone

5. INTELLECTUAL PROPERTY RIGHTS

5.1 Our Intellectual Property
Block Wall Street owns or licenses all intellectual property rights in the Service, including:
- Website design, layout, and functionality
- Educational content, courses, and materials
- Trademarks, logos, and brand elements
- Software, code, and technical systems
- Research, analysis, and proprietary methodologies

5.2 Limited License to Users
We grant you a limited, non-exclusive, non-transferable license to:
- Access and use the Service for personal educational purposes
- Download and print materials for personal study
- Participate in community discussions and forums
- Share content with proper attribution as permitted

5.3 User-Generated Content
By submitting content to our Service, you grant us:
- Non-exclusive, worldwide, royalty-free license to use, modify, and display your content
- Right to use your content for educational and promotional purposes
- Permission to moderate, edit, or remove content as necessary

5.4 Intellectual Property Complaints
If you believe your intellectual property rights have been violated, contact us at:
- Email: blockwallstreetwork@proton.me
- Subject: “IP Complaint”
- Include detailed information about the alleged infringement

6. PAYMENT TERMS AND BILLING

6.1 Course Fees and Subscriptions
Certain courses and features require payment of fees, which may include:
- One-time course enrollment fees
- Monthly or annual subscription plans
- Premium content and advanced certifications
- Private coaching and consultation services

6.2 Payment Methods
We accept the following payment methods:
- Credit and debit cards
- PayPal and other digital payment services
- Cryptocurrency payments (Bitcoin, Ethereum)
- CashApp and similar mobile payment platforms

6.3 Billing and Charges
All fees are charged in U.S. Dollars
Subscription fees are billed in advance
One-time course fees are charged upon enrollment
Additional taxes may apply based on your location
Failed payments may result in service suspension

6.4 Refund Policy
Please refer to our separate Refund Policy for detailed information about:
- Eligibility requirements for refunds
- Processing times and procedures
- Payment method restrictions
- Subscription vs. individual course policies

7. PRIVACY AND DATA PROTECTION

7.1 Privacy Policy
Your privacy is important to us. Our Privacy Policy explains:
- What information we collect and how we use it
- How we protect your personal data
- Your rights regarding your information
- Our compliance with Illinois privacy laws

7.2 Illinois Law Compliance
We comply with Illinois privacy and data protection laws, including:
- Illinois Biometric Information Privacy Act (BIPA)
- Illinois Personal Information Protection Act
- Illinois Consumer Fraud and Deceptive Business Practices Act

7.3 Data Security
We implement reasonable security measures to protect your information, but cannot guarantee
absolute security. You acknowledge that:
- Internet transmission is not completely secure
- You use the Service at your own risk
- We are not liable for unauthorized access beyond our control

8. DISCLAIMERS AND LIMITATIONS

8.1 Educational Disclaimers
NOT FINANCIAL ADVICE: Our educational content is for informational purposes only and does not
constitute financial, investment, or trading advice. You should:
- Conduct your own research and due diligence
- Consult with qualified financial professionals
- Understand the risks associated with cryptocurrency investments
- Make independent decisions based on your circumstances

8.2 Service Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, INCLUDING:
- Accuracy, completeness, or reliability of content
- Uninterrupted or error-free operation
- Fitness for a particular purpose
- Non-infringement of third-party rights

8.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY ILLINOIS LAW:
- Our total liability shall not exceed the amount you paid for the Service
- We are not liable for indirect, incidental, or consequential damages
- We are not responsible for third-party content or services
- You assume all risks associated with cryptocurrency investments

8.4 Illinois Consumer Protection
Nothing in these Terms limits your rights under Illinois consumer protection laws, including the Illinois
Consumer Fraud and Deceptive Business Practices Act.

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Block Wall Street and its officers, directors,
employees, and agents from any claims, damages, losses, or expenses arising from:
- Your use of the Service
- Your violation of these Terms
- Your infringement of third-party rights
- Your negligent or wrongful conduct
This indemnification obligation survives termination of these Terms and is subject to Illinois law limitations.

10. TERMINATION
10.1 Termination by You
You may terminate your account at any time by:
- Contacting our customer support
- Following account closure procedures
- Ceasing use of the Service

10.2 Termination by Us
We may terminate or suspend your access immediately if you:
- Breach these Terms or our policies
- Engage in illegal or harmful activities
- Fail to pay required fees
- Violate intellectual property rights

10.3 Effect of Termination
Upon termination:
- Your access to the Service will cease
- You remain liable for any outstanding fees
- Certain provisions of these Terms survive termination
- We may retain certain information as required by law

11. DISPUTE RESOLUTION

11.1 Governing Law and Jurisdiction
These Terms are governed by Illinois state law. Any disputes shall be resolved exclusively in:
- State courts of Cook County, Illinois
- Federal courts for the Northern District of Illinois

11.2 Informal Resolution
Before filing any legal action, you agree to:
- Contact us directly to attempt resolution
- Provide detailed description of the dispute
- Allow 30 days for good faith resolution efforts

11.3 Class Action Waiver
You agree to resolve disputes individually and waive any right to participate in class action lawsuits,
except where prohibited by Illinois law.

11.4 Statute of Limitations
Any claims must be filed within one (1) year of when the claim arose, or as otherwise required by
Illinois law.

12. COMPLIANCE WITH LAWS

12.1 Illinois Regulatory Compliance

We operate in compliance with Illinois laws and regulations, including:
- Illinois Business Corporation Act
- Illinois Consumer Fraud and Deceptive Business Practices Act
- Illinois Accessibility Code requirements
- Chicago local business regulations

12.2 User Compliance
You agree to:
- Comply with all applicable federal, state, and local laws
- Respect Illinois privacy and consumer protection laws
- Follow cryptocurrency regulations in your jurisdiction
- Report any illegal activities to appropriate authorities

12.3 Regulatory Changes
We reserve the right to modify the Service to comply with:
- Changes in Illinois or federal law
- New regulatory requirements
- Court orders or government directives

13. ACCESSIBILITY

13.1 Commitment to Accessibility

We are committed to making our Service accessible to users with disabilities in accordance with:
- Americans with Disabilities Act (ADA)
- Illinois accessibility requirements
- Web Content Accessibility Guidelines (WCAG) 2.1 Level AA

13.2 Accessibility Features
Our website includes:
- Keyboard navigation support
- Screen reader compatibility
- Alternative text for images
- Captioned video content
- Adjustable text size and contrast

13.3 Accessibility Feedback
If you encounter accessibility barriers, please contact us at:
- Email: blockwallstreetwork@proton.me
- We will respond within 5 business days

14. MODIFICATIONS TO TERMS

14.1 Right to Modify
We reserve the right to modify these Terms at any time. Changes will be effective:
- Immediately upon posting for non-material changes
- 30 days after notice for material changes
- As required by Illinois law for consumer protection

14.2 Notification of Changes
We will notify you of material changes through:
- Email to your registered address
- Prominent notice on our website
- In-app notifications when applicable

14.3 Continued Use
Your continued use of the Service after changes constitutes acceptance of the modified Terms.

15. GENERAL PROVISIONS

15.1 Entire Agreement
These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement
between you and Block Wall Street.

15.2 Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full
force and effect.

15.3 Waiver
Our failure to enforce any provision does not constitute a waiver of our right to enforce it later.

15.4 Assignment
You may not assign your rights under these Terms. We may assign our rights and obligations to any
party.

15.5 Force Majeure
We are not liable for delays or failures due to circumstances beyond our reasonable control.

15.6 Survival
Provisions regarding intellectual property, disclaimers, limitation of liability, and dispute resolution
survive termination.

16. CONTACT INFORMATION

For questions about these Terms, contact us at:

Block Wall Street
Email: blockwallstreetwork@proton.me
Address: 700 East 61st Street, Chicago, IL, USA
Website: blockwallstreet.io

Customer Support Hours: Monday-Friday, 9:00 AM - 5:00 PM CST

By using our Service, you acknowledge that you have read, understood, and agree to be
bound by these Terms and Conditions as governed by Illinois state law.