Terms of Service

1. Acceptance of Terms

By accessing, browsing, or otherwise using the ChainLedger Academy website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our website.

You must be at least 16 years of age to use this website. By using this website, you represent and warrant that you are at least 16 years old. If you are under 16, you are not permitted to use or access this website.

If you are using this website on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms, and "you" and "your" will refer to that organisation.

2. Description of Services

ChainLedger Academy is an independent educational platform that publishes free, research-backed content about blockchain technology, distributed ledgers, digital assets, Web3, consensus mechanisms, cryptography, and related subjects. Our services include:

• Educational articles written and reviewed by our editorial team
• Structured learning resources, including beginner guides and a blockchain glossary
• A frequently asked questions section covering core blockchain topics
• General security awareness content related to blockchain technology
• Information about regulatory frameworks in the United Kingdom

All content is provided strictly for educational and informational purposes. ChainLedger Academy does not provide financial advice, investment advice, tax advice, legal advice, or any form of personalised recommendation. We do not recommend, endorse, or suggest the purchase, sale, or holding of any digital asset, cryptocurrency, token, or financial instrument.

Our educational content should not be relied upon as a substitute for professional advice. Users should always conduct their own independent research and consult qualified professionals before making any financial decisions. Digital assets are volatile and involve significant risk. Regulations differ by jurisdiction.

3. User Obligations

When using this website, you agree to the following obligations:

• Lawful use: You will use this website only for lawful purposes and in accordance with these Terms. You will not use this website in any manner that could damage, disable, overburden, or impair the website or interfere with any other party's use of the website.
• No scraping or automated access: You will not use any automated system, including bots, crawlers, scrapers, or data mining tools, to access, download, or reproduce content from this website without our prior written consent.
• No impersonation: You will not impersonate or attempt to impersonate ChainLedger Academy, a ChainLedger Academy employee, another user, or any other person or entity.
• No illegal activity: You will not use this website to engage in, facilitate, or promote any illegal, fraudulent, or harmful activity.
• No interference: You will not attempt to gain unauthorised access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
• No misrepresentation: You will not misrepresent your identity, affiliation, or the purpose of your use of this website when contacting us or using any contact forms.
• Accurate information: Any information you provide to us through contact forms or other means must be accurate, current, and complete.

Failure to comply with these obligations may result in the suspension or termination of your access to this website at our sole discretion.

4. Intellectual Property

All content on this website, including text, articles, graphics, logos, icons, images, page layout, software, and the selection and arrangement thereof (collectively, "Content"), is the property of ChainLedger Academy Ltd or its content suppliers and is protected by United Kingdom and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Content for your personal, non-commercial educational purposes only. This licence does not include:

• Any commercial use of the Content or any portion thereof
• Reproduction, duplication, copying, selling, reselling, or exploiting the Content for any commercial purpose
• Modification or creation of derivative works based on the Content
• Distribution, public display, or public performance of the Content
• Systematic downloading or storing of Content beyond what is necessary for personal reading

The ChainLedger Academy name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of ChainLedger Academy Ltd. You may not use these marks without our prior written permission.

If you wish to use our content for purposes beyond personal educational use, please contact us to discuss licensing arrangements.

5. Disclaimers

This website and all Content are provided on an "as is" and "as available" basis without any warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by applicable law, ChainLedger Academy Ltd disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranty that the website will be uninterrupted, timely, secure, or error-free
• Any warranty regarding the accuracy, reliability, or completeness of the Content
• Any warranty that defects will be corrected

While we strive for accuracy in all published content, blockchain technology and its regulatory environment evolve rapidly. Information that was accurate at the time of publication may become outdated. We do not guarantee that our Content reflects the most current developments, regulations, or technological changes.

ChainLedger Academy does not provide financial advice, investment advice, trading advice, or legal advice. Our educational content is not a substitute for professional consultation. We expressly disclaim any responsibility for decisions you make based on information found on this website.

Digital assets, including cryptocurrencies, are volatile and carry significant risk. Past performance of any digital asset is not indicative of future results. Regulatory treatment of digital assets varies by jurisdiction and is subject to change. Nothing on this website should be interpreted as encouragement to purchase, sell, hold, or otherwise transact in any digital asset.

6. Limitation of Liability

To the maximum extent permitted by the laws of England and Wales, ChainLedger Academy Ltd, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, or business opportunities
• Financial losses arising from reliance on information published on this website
• Losses arising from decisions made based on our educational content
• Losses resulting from the inability to access or use the website
• Losses caused by viruses, malware, or other technologically harmful material that may infect your computer equipment

In no event shall the aggregate liability of ChainLedger Academy Ltd for all claims arising out of or relating to the use of, or inability to use, this website exceed one hundred pounds sterling (GBP 100.00).

Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the laws of England and Wales.

7. Indemnification

You agree to defend, indemnify, and hold harmless ChainLedger Academy Ltd, its directors, officers, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees) arising from: (a) your use of and access to this website; (b) your violation of any provision of these Terms; (c) your violation of any third-party right, including any copyright, trademark, trade secret, or privacy right; or (d) any claim that content you submitted to us caused damage to a third party. This indemnification obligation will survive the termination of these Terms and your use of the website.

8. Third-Party Links

This website may contain links to third-party websites, resources, or services that are not owned or controlled by ChainLedger Academy Ltd. These links are provided solely for your convenience and informational purposes. We have no control over, and assume no responsibility for, the content, privacy policies, practices, accuracy, or opinions expressed on any third-party websites.

The inclusion of a link does not imply endorsement, affiliation, approval, or sponsorship by ChainLedger Academy. You access third-party websites entirely at your own risk and subject to the terms and conditions of those websites. We encourage you to review the terms of service and privacy policies of any third-party website you visit.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal data. By using this website, you consent to the data practices described in our Privacy Policy.

We also maintain a separate Cookie Policy that explains the types of cookies we use and how you can manage your cookie preferences. Please review both documents to understand our data handling practices.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer residing in the European Union, you retain any mandatory consumer protection rights granted to you under the laws of your country of residence, and nothing in these Terms affects those rights.

11. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, you and ChainLedger Academy Ltd agree to first attempt to resolve the dispute informally. You agree to contact us at [email protected] with a written description of the dispute, and we will endeavour to resolve the matter within 30 calendar days.

If the dispute cannot be resolved informally within 30 days, either party may pursue formal resolution through the courts of England and Wales as specified in Section 10.

If you are a consumer in the European Union, you may also use the European Commission's Online Dispute Resolution platform, available at https://ec.europa.eu/consumers/odr, to resolve disputes online.

12. Termination

We may terminate or suspend your access to this website immediately, without prior notice or liability, for any reason whatsoever, including but not limited to a breach of these Terms. Upon termination, your right to use the website will cease immediately.

All provisions of these Terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

13. Changes to Terms

ChainLedger Academy reserves the right to modify or replace these Terms at any time. If we make material changes, we will provide notice by posting a banner on the homepage of this website at least 14 days before the revised Terms take effect. The "Last Updated" date at the top of this page indicates when the Terms were most recently revised.

Your continued use of the website after any changes to these Terms constitutes acceptance of those changes. If you do not agree to the revised Terms, you must stop using the website. We encourage you to review these Terms periodically for any updates.

14. Severability

If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect. The invalidity of any single provision does not affect the validity or enforceability of the remaining provisions.

15. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and Disclaimer, constitute the entire agreement between you and ChainLedger Academy Ltd regarding your use of this website. These Terms supersede any prior agreements, communications, or understandings, whether written or oral, relating to the subject matter of these Terms.

16. No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision. A waiver of any term of these Terms will be effective only if made in writing and signed by an authorised representative of ChainLedger Academy Ltd. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

17. Educational Content Disclaimer

ChainLedger Academy exists solely to educate the public about blockchain technology and related subjects. We wish to make the following points abundantly clear:

• We do not provide financial, investment, tax, or legal advice of any kind.
• We do not recommend, endorse, or suggest the purchase, sale, or holding of any digital asset, cryptocurrency, token, or financial instrument.
• We do not operate a trading platform, exchange, brokerage, or any other financial service.
• We are not authorised or regulated by the Financial Conduct Authority (FCA) for the provision of financial advice or the conduct of regulated activities.
• Digital assets are volatile, carry significant risk, and may result in the total loss of funds. Past performance is not indicative of future results.
• Regulatory frameworks for digital assets vary by jurisdiction and are subject to change without notice.

Users should always conduct their own independent research and seek advice from qualified, regulated professionals before making any financial decisions. ChainLedger Academy accepts no liability for any loss or damage arising from reliance on information published on this website.

18. Contact Information

If you have any questions about these Terms, please contact us: