Effective date: August 19, 2026

Not financial, investment, legal, or tax advice

Carmen Onchain (carmenonchain.ai) is an independent publication by Carmen Pangilinan. Everything here, including all articles, the newsletter, and any other content, is general information and commentary for educational purposes only. It is not financial, investment, legal, accounting, or tax advice, and it is not a recommendation to buy, sell, or hold any cryptocurrency, token, digital asset, security, or other investment.

I am not a financial advisor, investment adviser, broker, or dealer, and nothing here creates an advisory or fiduciary relationship between us. I do not know your personal circumstances, and nothing here is tailored to you.

Cryptocurrency and digital assets are highly volatile and risky. You can lose some or all of your money. Past performance never guarantees future results, and any opinions are my own views as of the date written and may change.

Do your own research and consult a licensed professional (a financial advisor, attorney, or tax professional) before making any financial decision. You are solely responsible for your own decisions and their outcomes.

I make no guarantee that any information here is accurate, complete, or current, and I am not liable for any loss arising from your use of it.

Sponsored content and affiliate links

When any content is sponsored, or contains an affiliate link or a product I received free or at a discount, I disclose that clearly and next to the content itself. If I am ever paid to feature a specific token or asset, I disclose that I was paid, by whom, and how much. If you do not see such a disclosure, assume the content is independent and uncompensated.

Contact

Questions: [email protected].