TERMS OF SERVICE AGREEMENT

Last Updated: December 10, 2025

1. Acceptance of Terms

By accessing or using the services provided by Personal Crypto ("the Company," "we," "us," or "our"), including the website located at [personal-crypto.com] and any related content, applications, or services (collectively, the "Services"), you agree to be bound by these Terms of Service ("ToS") and all policies referenced herein. If you do not agree to these terms, you may not use the Services.

2. Nature of Services – Educational Consulting Only

Personal Crypto provides educational and informational consulting services relating to cryptocurrencies, blockchain technology, and digital asset management.

A. Non-Advisory Status:

  • The Company is NOT a financial advisory firm, a registered investment advisor, a broker-dealer, a bank, or a tax professional.

  • All information provided by the Company, whether through the website, consultation sessions, documents, or marketing materials, is for educational and informational purposes only.

  • The Services are intended to help clients understand cryptocurrency concepts, technology, and security best practices.

  • The Company does not provide and shall not be construed as providing personalized investment recommendations, financial planning, tax advice, or legal counsel.

B. Client Responsibility:

  • You acknowledge and agree that you are solely responsible for all investment decisions, trades, taxes, and legal compliance related to your use of cryptocurrencies and digital assets.

  • You are responsible for conducting your own research, consulting with qualified financial, tax, or legal professionals, and fully understanding the risks involved before making any decisions.

3. Disclaimers and Limitation of Liability

A. No Guarantee of Results: The Company does not guarantee any specific financial outcome, investment performance, or security result from the use of the Services. Cryptocurrency markets are highly volatile, and you acknowledge the risk of substantial loss.

B. Limitation of Liability: To the maximum extent permitted by California law, the Company, its owner (Len), and any affiliated parties shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from:

  • (i) The use or inability to use the Services;

  • (ii) Any investment decision made by you based on information provided by the Services;

  • (iii) Unauthorized access to or alteration of your transmissions or data;

  • (iv) Any third-party conduct or content on the Services; or

  • (v) Any other matter relating to the Services.

4. Client Privacy and Discretion

The Company treats all client interactions with the utmost privacy and discretion. While we commit to maintaining a high standard of confidentiality, you acknowledge that:

  • The Company is a single-person operation, and personal information is handled directly by Len.

  • The Company may be compelled to disclose information if required by law, subpoena, or court order.

5. Consulting Engagements and Fees

The terms, scope of work, fees, and payment schedule for any consulting engagement will be governed by a separate, mutually executed Service Agreement or Consulting Agreement signed prior to the commencement of services. These ToS govern your use of the website and general interaction with the Company, but the separate agreement will govern the specific consulting relationship.

6. Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

You agree that any legal action or proceeding arising out of or relating to these ToS shall be exclusively brought in the state or federal courts located in Los Angeles County, California.

7. Changes to the Terms

We reserve the right, at our sole discretion, to modify or replace these ToS at any time. We will post the revised ToS on this page and update the "Last Updated" date. Your continued use of the Services after the posting of any changes constitutes your acceptance of the new ToS.

Next Step: I strongly recommend taking this draft to a California-licensed attorney to ensure full legal compliance and adequate protection for your specific consulting business model.