Terms of Use

Effective date: August 19, 2026

1. Agreement

Welcome to carmenonchain.ai (the "Site"), operated by Carmen Pangilinan, operating as "Carmen Onchain" ("I," "me"). By using the Site or subscribing to the newsletter, you agree to these Terms of Use and to the Privacy Policy. If you do not agree, please do not use the Site.

2. What the Site is

The Site is a free publication offering articles, a newsletter, and related content about cryptocurrency, blockchain, and artificial intelligence. It is provided for general information and educational purposes only.

3. Not financial, investment, legal, or tax advice

All content is general commentary and education. It is not financial, investment, legal, accounting, or tax advice, and not a recommendation to buy, sell, or hold any asset. I am not a financial advisor. See the full Disclaimer. You are solely responsible for your own decisions. Cryptocurrency is volatile and risky; you can lose money.

4. No professional relationship

Using the Site or reading the newsletter does not create any advisory, fiduciary, professional, or confidential relationship between us.

5. Intellectual property

Unless stated otherwise, I own or license the content on the Site. You may read, share links to, and quote short excerpts with attribution to Carmen Onchain. You may not republish substantial portions, or copy, sell, or redistribute the content as your own, without my permission.

6. Acceptable use

When using the Site, you agree not to: break the law; attempt to hack, overload, or disrupt the Site; scrape or harvest data (including the newsletter list); or misuse any contact address for spam or abuse.

7. Third-party links

The Site may link to third-party websites or content. I do not control and am not responsible for them, and a link is not an endorsement. Review their terms and policies yourself.

The newsletter is free and optional. You may unsubscribe at any time using the link in any issue. I may change, pause, or discontinue it at any time.

9. No warranties

The Site and newsletter are provided "as is" and "as available," without warranties of any kind, express or implied. I do not warrant that the content is accurate, complete, current, or error-free, or that the Site will always be available or secure.

10. Limitation of liability

To the fullest extent allowed by law, I am not liable for any indirect, incidental, special, or consequential damages, or for any loss arising from your use of, or reliance on, the Site or newsletter.

11. Indemnification

You agree to hold me harmless from claims arising out of your misuse of the Site or your violation of these Terms.

12. Changes to these Terms

I may update these Terms from time to time. Material changes will be reflected in the effective date above. Continuing to use the Site means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of the State of Nevada, USA, without regard to conflict-of-laws rules.

14. Contact

Questions about these Terms: [email protected].