1. Acceptance of Terms

By accessing or using the Bitcoin Brotherhood website, community, guides, or related services (the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must not use the Services.

2. Educational Purpose Only — No Client Relationship

Bitcoin Brotherhood provides educational information, community discussions, and general resources regarding Bitcoin, credit, and financial strategies.

• We do not provide financial, investment, legal, or tax advice.

• Use of the Services does not create any financial advisor–client, attorney–client, accountant–client, or fiduciary relationship.

• All content is provided “as is” and for informational purposes only.

• You are solely responsible for your financial decisions.
• Always consult qualified professionals before acting on any information.

3. Risk Disclosure & Assumption of Risk

• Bitcoin and other cryptocurrencies are volatile and carry risk of total loss.

• Promotional or 0% credit offers represent real debt obligations; failure to repay may result in penalties, fees, or credit damage.

• No outcome is guaranteed. Past patterns (including “power law” cycles) do not assure future results.

• By using the Services, you acknowledge and voluntarily assume all risks related to credit use, Bitcoin, or reliance on our content.

4. Membership, Fees, and Payment

• Some Services are free; others may require a one-time or recurring fee.

• Payments are processed through third-party providers. We are not responsible for their performance or security.

• All fees are non-refundable unless explicitly stated.

5. User Conduct

You agree not to:

• Use the Services for unlawful purposes.

• Misrepresent your identity, financial condition, or creditworthiness.

• Harass, abuse, or harm other community members.

• Copy, distribute, or exploit content without prior written permission.

We may suspend or terminate access at any time for violations of these Terms.

6. Intellectual Property

All content (including text, graphics, PDFs, tools, and community materials) is the property of Bitcoin Brotherhood or its licensors.

• You may use content for personal educational purposes only.

• Reproduction, resale, or distribution without permission is prohibited.

7. Affiliate & Referral Disclosure

We may receive compensation, commissions, or other benefits from third parties whose products, services, or strategies we mention.

• Any such relationships do not constitute an endorsement or guarantee.

• You are solely responsible for evaluating whether such third-party offerings meet your needs.

8. No Guarantees

Bitcoin Brotherhood does not guarantee:

• Approval for loans, credit, or funding.

• Any specific investment or financial outcome.

• Accuracy, completeness, or timeliness of any content.

All examples provided are hypothetical and illustrative only.

9. Third-Party Services Disclaimer

We are not responsible for the acts, omissions, reliability, or security of any third-party providers, including but not limited to:

• Banks, lenders, credit issuers

• Exchanges or brokers

• Wallet providers

• Community platforms or payment processors

Any issues must be resolved directly with those providers.

10. Limitation of Liability

To the fullest extent permitted by law:

• Bitcoin Brotherhood and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages, including lost profits, even if advised of the possibility.

• Our total liability, if any, shall not exceed the amount you paid for the Services in the 12 months prior to the claim.

• This limitation applies regardless of whether the claim is based on contract, tort, negligence, strict liability, or otherwise.

11. Indemnification (Hold Harmless)

You agree to indemnify, defend, and hold harmless Bitcoin Brotherhood, its founders, affiliates, and their officers, employees, and agents from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising out of:

•Your use of the Services

• Your reliance on any content

• Your financial, credit, or investment decisions

• Your violation of these Terms or applicable law

12. Age & Competence Requirement

You must be at least 18 years old and legally competent to use the Services. By using the Services, you represent and warrant that you meet this requirement.

13. Dispute Resolution & Class Action Waiver

• Any dispute or claim arising from these Terms or the Services shall be resolved exclusively through binding arbitration in Michigan, under the rules of the American Arbitration Association.

• You agree to waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

14. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information.

15. Termination

We may suspend, restrict, or terminate your access to the Services at our discretion, with or without notice, including if you violate these Terms.

16. Governing Law

These Terms are governed by the laws of the State of Michigan. Any dispute not subject to arbitration shall be resolved in the courts of that jurisdiction.

17. Modifications to Terms

We reserve the right to modify these Terms at any time. Updates will be posted on the website, and continued use of the Services constitutes acceptance of the revised Terms.

18. Miscellaneous

• If any part of these Terms is found unenforceable, the remaining provisions remain in effect.

• These Terms constitute the entire agreement between you and Bitcoin Brotherhood regarding the Services.

• Our failure to enforce any right shall not be deemed a waiver of such right.