Blockwyse.
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Terms of Service

The terms governing use of this website.

Effective date: September 18, 2026

Blockwyse SRL, Registered office: Piazzale Cadorna 13 20123, Milano, Italy, Company registration no.: REA MI - 2813933 · VAT no.: 14889130960 (the “Company”, “we”, “us”, “our”), and any person or entity accessing the Website or using any Services, this includes, without limitation, customers, clients, potential clients, partners, institutional representatives, referrers, suppliers, universities, schools, any individuals acting on behalf of a business, school, company, or organization, and any member of the public who reads, views, downloads, subscribes to, or otherwise consumes any article, report, research, blog, newsletter, or other published content on the Website, whether or not that person engages any other Service or acts in any business or professional capacity, and whether accessing the Services online, offline, directly, or through third parties (“you”, “your”, “client”, “user”).

We and you (collectively “Parties”).

By accessing the Website or engaging any Services, you agree to be bound by these Terms of Service. If you do not agree, you must not use the Website or Services. The Legal Disclaimer (Section 26) forms an integral part of these Terms of Service. It should be read together with our Privacy Policy and Cookie Policy which forms part of this Terms of Service by reference.

  1. DEFINITIONS

“Website”: means any website, digital platform, domain name, subdomain, landing page, microsite, client portal, application, online interface, newsletter, publication, podcast platform, social channel or other digital or communication channel operated, owned, controlled, administered, or used by the Company.

“Services”: means the Consultancy Services and/or the ICT Services (each as defined below), as applicable to your engagement.

“Consultancy Services” means any advisory, educational, analytical, or informational product made available by the Company in a non-regulated capacity, including, without limitation: strategic, structural, operational, technical or risk advisory delivered as general information; cross-border structuring analysis presented for educational and comparative purposes; governance and compliance assessments that do not constitute individualized regulated advice; blockchain forensic analysis and traceability reports prepared on a retrospective, analytical basis; technical architecture reviews and remediation guidance; regulatory positioning analysis delivered in a non-regulated consultancy context; expert reports, analytical memoranda, or interpretative assessments; risk evaluations and exposure assessments; certifications, attestations, or structured evaluations that are not issued under any statutory or regulatory mandate; training programs, lectures, university courses, workshops, or masterclasses; reports, whitepapers, publications, blogs, newsletters, and research of a general, non-individualized nature; software tools, frameworks, automation systems, AI-driven outputs, or technical templates provided for the client’s own independent use; tokenization architecture guidance and ecosystem design guidance that does not extend to placing, promoting, or executing any specific issuance or transaction; and any communication, presentation, or recommendation of a general, non-transaction-specific nature.

“ICT Services” means any information and communication technology service provided by the Company to a client, including software tools, platforms, automation systems, data processing, hosting, or technical infrastructure services, where that client is a “financial entity” within the meaning of Article 2(1) of Regulation (EU) 2022/2554 (the Digital Operational Resilience Act, “DORA”). ICT Services are governed by Section 8 in addition to the applicable provisions of these Terms of Service. Conversely, where a client is not a financial entity under Article 2(1) of DORA, the same underlying technical work, including Software Engineering, a Crypto Intelligence platform or feed, or Delivery work, is Consultancy Services, not ICT Services, regardless of its technical nature; Section 8 does not apply to that engagement, and no separate DORA services agreement is required for it. The classification is determined by the status of the client receiving the service, engagement by engagement, and is confirmed in the applicable statement of work.

“Capability Areas” means the four service lines through which the Company organizes its Consultancy Services and ICT Services, namely Software Engineering, Crypto Intelligence, Digital Asset Strategy, and Delivery, as further described in Sections 7.6–7.9. Each Capability Area is Consultancy Services or ICT Services depending on the classification test set out in the definition of “ICT Services” above, and is subject in every case to Section 7.2.

“Software Engineering” means the design, architecture, build, integration, and post-launch support of software systems for a client, including market data infrastructure, trading and settlement systems, analytics platforms, and on-chain services, where such systems are built for and delivered to the client's own environment or operated by the Company only to the extent and for the duration expressly agreed in writing under Section 7.6.

“Crypto Intelligence” means on-chain analysis, market-structure and liquidity research, protocol and counterparty assessment, and risk and exposure analytics, delivered as published research, data feeds, or analytics platforms, as described in Section 7.7.

“Digital Asset Strategy” means business-case, operating-model, product-architecture, build-versus-buy, and technology-roadmap advisory assisting an institution in defining and standing up a digital asset business, as described in Section 7.8.

“Delivery” means programme execution across multi-vendor technology builds, integration with a client's core banking, risk, or compliance systems, and enablement of the client's own team to operate what has been built, as described in Section 7.9.

The term “Services” includes both current offerings and any future products, services, methodologies, digital tools, execution models, or advisory formats developed or introduced by the Company, provided that no such future offering shall include any activity listed in Section 7.2 unless the Company has first obtained the authorization required for that activity.

  1. OVERVIEW

The Website is operated by the Company. We provide access to the Website, including Services, conditioned upon your acceptance, without modification, of the Terms of Service. If you do not agree to, fully understand, or accept these Terms of Service in their entirety, including the Legal Disclaimer, you must not access or use this Website or the Services. By accessing the Website, browsing its content, or purchasing any Services from us, you acknowledge that you are engaging in our Terms of Service, and agree to be legally bound by these Terms of Service, including all applicable additional terms, conditions, and policies referenced herein or accessible via hyperlink, as well as the Legal Disclaimer. We may from time to time introduce new features, tools, or functionalities to the Website. Such additions shall automatically be subject to these Terms of Service. You may review the most current version of the Terms of Service at any time on this page. We reserve the right to amend, update, or replace any part of these Terms of Service at our sole discretion, by posting such changes to the Website. It is your responsibility to check this page periodically for updates.

  1. ONLINE WEBSITE TERMS

By accessing or using the Website and Services, you confirm that you are at least the age of majority in your state, province, or country of residence. If you are the age of majority and are permitting any minor dependents to use the Website, you affirm that you have provided the necessary consent on their behalf. You agree not to use the Services for any unlawful or unauthorized purposes. In using the Services, you must comply with all applicable local, national, and international laws and regulations, including but not limited to copyright and intellectual property laws. You are strictly prohibited from transmitting any viruses, worms, malware, or any code of a destructive or malicious nature through the Services. Any breach or violation of these Terms of Service may result in the immediate suspension or termination of your access to the Services, at our sole discretion.

  1. GENERAL CONDITIONS

We reserve the right to refuse Services to anyone for any reason at any time, including where we determine, in our sole discretion, that providing the Services would require a license, registration, or authorization the Company does not hold in the relevant jurisdiction. You understand that your content (not including credit card information) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services or any contact on the Website through which the Services is provided, without express written permission by us.

  1. ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this Website is not accurate, complete or current. The material on this Website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this Website is at your own risk. This Website may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Website at any time, but we have no obligation to update any information on our Website. You agree that it is your responsibility to monitor changes to our Website.

  1. MODIFICATIONS TO THE SERVICES AND PRICES

Prices for our Services are subject to change without notice. We reserve the right at any time to modify or discontinue the Services (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Services.

  1. DESCRIPTION OF SERVICES — EXPRESS EXCLUSIONS AND REGULATORY PERIMETER

7.1 The Company provides Consultancy Services relating to blockchain, digital assets, risk, governance, structuring analysis, and related topics, and, where the classification test in Section 1 is met, ICT Services within the meaning of Section 8. The Company expressly excludes and does not provide any regulated professional or financial service, in any jurisdiction, including the European Union.

7.2 Without limitation, the Company does not, in connection with any Service, whether classified as Consultancy Services or ICT Services, and including in particular Software Engineering, Crypto Intelligence, Digital Asset Strategy, and Delivery work delivered under either classification:

(a) executes, places, receives, or transmits any customer order for a crypto-asset or financial instrument, and does not select or influence the choice of execution venue or counterparty for any specific client transaction;

(b) holds, receives, transmits, or has access to any client fiat currency, crypto-assets, or other client funds;

(c) controls, holds, generates, or has access to any private key, seed phrase, wallet credential, or other means of access to client crypto-assets, whether in a custodial or non-custodial capacity;

(d) operates or administers a multilateral system, platform, or venue for the exchange or trading of crypto-assets or financial instruments;

(e) provides individualized or personalized recommendations concerning a specific crypto-asset, financial instrument, or transaction, whether solicited or unsolicited, all Consultancy Services are of a general, educational, or retrospective-analytical nature and are not tailored to your particular circumstances as an investment or transaction recommendation;

(f) exercises any discretion over, or manages, any client portfolio of crypto-assets or financial instruments;

(g) issues, promotes, places, or distributes any crypto-asset, token, security, or other financial instrument on behalf of a client or third party, or receives transaction-based or placement-based remuneration contingent on the completion of a specific client transaction;

(h) provides legal services or legal advice, tax services or tax advice, financial, investment, or accounting advice, or regulatory representation before any authority;

(i) engages in virtual asset brokerage or dealing, investment management, or custody or safeguarding Services; or

(j) performs any other activity requiring authorization, registration, or supervision under Regulation (EU) 2023/1114 (Markets in Crypto-Assets Regulation, “MiCA”), MiFID II, PSD2/PSD3, the E-Money Directive, or other national implementing legislation, unless and until the Company has obtained the corresponding authorization.

7.3 Any reference in the Services or on the Website to “legal”, “tax”, “regulatory”, “structuring”, “execution”, or “compliance” is used strictly in a non-regulated, general-information sense, describing the subject matter analyzed rather than the performance of a regulated act. If regulated advice or a regulated service listed in Section 7.2 is required, you must engage an appropriately licensed or authorized professional or firm in your jurisdiction.

7.4 Where any output, report, or recommendation produced by the Company could reasonably be understood as extending beyond the scope of Section 7.1–7.3, that output shall be construed, to the maximum extent permitted by the applicable engagement documentation, as general information only and not as the regulated activity it might otherwise resemble; where such construction is not reasonably available, the Company shall decline to proceed with that element of the engagement.

7.5 Services are provided “AS IS” and “AS AVAILABLE”, unless otherwise agreed in writing. We may modify or discontinue Services at any time.

7.6 Software Engineering. Systems built, architected, or integrated by the Company, including market data infrastructure, trading and settlement systems, analytics platforms, and on-chain services, are built for the client's own environment, and the client (or a third party duly authorized by the client and, where required, separately licensed) is the operator of that system and the provider of any service performed through it to the client's own end customers. Following go-live, the Company's role is limited to the support scope expressly agreed in the applicable statement of work; the Company does not, by providing that support, thereby operate the system as a service to the client's end customers, execute end-customer orders through it, or take on any function listed in Section 7.2. Where a statement of work expressly designates the Company as operator of a system that would otherwise constitute the operation of a trading platform for crypto-assets, the exchange of crypto-assets for funds or other crypto-assets, or any other activity listed in Section 7.2, the parties shall first confirm in writing that the Company holds, or is not required to hold, the corresponding authorization before that arrangement takes effect. Any production access retained by the Company following go-live is limited to what is necessary to deliver the agreed support, is logged, and does not include standing authority to move, transfer, or otherwise deal with client or end-customer assets or private keys.

7.7 Crypto Intelligence. On-chain analysis, market-structure and liquidity research, protocol and counterparty assessment, and risk and exposure analytics are provided as generic, non-individualized research, data feeds, or analytics outputs. They do not constitute a recommendation that the recipient undertake, avoid, or refrain from any specific transaction, and are not tailored to the recipient's particular portfolio or circumstances in a manner that would constitute investment advice within the meaning of MiFID II or equivalent legislation. Protocol and counterparty assessments are analytical outputs only; they do not constitute an AML/CFT clearance, a know-your-customer determination, a credit decision, or an approval of any counterparty, and the client remains solely responsible for its own onboarding, due diligence, and risk decisions, whether or not informed by the Company's output.

7.8 Digital Asset Strategy. Business-case, operating-model, product-architecture, build-versus-buy, and technology-roadmap advisory is provided as general strategic and organizational guidance. It does not include advice on structuring an activity for the primary purpose of avoiding, circumventing, or falling outside a licensing or authorization requirement that would otherwise apply to that activity. Where the Company's analysis indicates that a contemplated activity would require authorization under MiCA, MiFID II, or other applicable legislation, the Company will state this in its output and will recommend that the client obtain independent authorization and licensing advice from qualified counsel in the relevant jurisdiction before implementation; the Company will not itself advise on how to restructure the activity to avoid that requirement.

7.9 Delivery. Programme execution and integration with a client's core banking, risk, or compliance systems is provided as technical integration and programme-management support. Where this work touches a client's AML/CFT, transaction-monitoring, sanctions-screening, or KYC systems, the Company acts solely as technical integrator: all compliance decisions, including risk-based determinations, suspicious-activity or transaction reporting decisions, customer risk ratings, and the approval or rejection of any customer or transaction, remain the sole responsibility of the client's own compliance function, and the Company has no authority to make or override any such decision. Where this work constitutes outsourcing of a critical or important function for the purposes of the EBA Guidelines on outsourcing arrangements (EBA/GL/2019/02) or equivalent requirements applied by any National Competent Authority, the client remains responsible for conducting the applicable pre-outsourcing risk assessment, maintaining its outsourcing register, and ensuring the parties' agreement contains the mandatory outsourcing contract terms; the Company will provide the information reasonably required for the client to do so. Enablement work is intended to result in the client's own team being able to operate, maintain, and modify what has been built, on the terms addressed in Section 19.

  1. ICT SERVICES AND THE DIGITAL OPERATIONAL RESILIENCE ACT (DORA)

8.1 Scope. This Section 8 applies wherever the Company provides ICT Services, as defined in Section, including, typically, Software Engineering and, where it touches a client's live systems, Delivery, to a client that is a “financial entity” under Article 2(1) of DORA (including, among others, an authorized crypto-asset service provider, credit institution, payment institution, or e-money institution). Given that market data infrastructure, trading and settlement systems, and integration with core banking, risk, and compliance systems are central to the Company's Software Engineering and Delivery offerings, the Company expects Section 8 to apply routinely to engagements in those Capability Areas with financial-entity clients, and will treat DORA compliance as a standard, not exceptional, part of scoping such engagements. Nothing in this Section 8 implies that the Company itself is, or is required to be, authorized as a financial entity; it addresses solely the Company’s position as an ICT third-party service provider to such entities.

8.2 Relationship to Consultancy Services. ICT Services are distinct from, and are not, Consultancy Services. The provision of Consultancy Services to a client does not, by itself, make the Company an ICT third-party service provider to that client for DORA purposes; that status arises only where the Company separately provides ICT Services supporting the client’s operations as described in Section 8.1.

8.3 Separate written agreement required. Where the Company provides ICT Services supporting a critical or important function of a financial-entity client, the Company and that client shall enter into a separate written ICT services agreement containing, at a minimum, the elements required by Article 30 of DORA, including: a clear description of the functions and services provided; the locations where the services are performed and where data is processed or stored; service levels and their measurement; provisions on accessibility, availability, integrity, security, and protection of personal and non-personal data; audit, access, and inspection rights for the financial entity, its auditors, and competent authorities; termination rights and minimum notice periods; cooperation with the financial entity’s competent authorities and resolution authorities; and, for functions supporting critical or important functions, exit strategies, transition assistance, and provisions addressing subcontracting of ICT services materially supporting a critical or important function. This Terms of Service, taken alone, does not constitute the agreement required by Article 30 of DORA, and no client should treat it as such.

8.4 Register of information and oversight. The Company will provide such information as a financial-entity client reasonably requires to populate and maintain its register of information under Article 28(3) of DORA. The Company acknowledges that, if designated a “critical ICT third-party service provider” under Article 31 of DORA, it would become subject to direct oversight by the relevant European Supervisory Authority; as at the effective date of these Terms of Service, the Company has not been so designated.

8.5 Incident notification and subcontracting. Where an ICT services agreement under Section 8.3 is in place, the Company shall notify the affected financial-entity client without undue delay of any ICT-related incident affecting the services provided that could materially impact that client’s ability to comply with its own obligations under DORA, and shall not subcontract any part of the ICT Services materially supporting a critical or important function without the prior notice and, where required by the agreement, consent contemplated by Article 30(2)(a) of DORA.

  1. TERRITORIAL SCOPE; NO SOLICITATION

9.1 The Company does not direct, target, or actively market any Consultancy Service or ICT Service to residents of the European Union or the European Economic Area, for the purpose of offering any activity listed in Section 7.2. Where a client established or resident in the European Union, the European Economic Area, or Italy engages the Company, the client confirms that it initiated contact with the Company on its own initiative, and that it has not been solicited, advertised to, or otherwise approached by the Company in connection with any activity listed in Section 7.2.

9.2 If, in the course of an engagement initiated as described in Section 9.1, the client requests a service beyond the scope of that initial unsolicited request, the Company will assess whether providing that additional service falls within Section 7 before agreeing to proceed, and may decline to provide it.

9.3 The Company does not represent, and nothing on the Website or in any Service shall be construed as representing, that the Company is licensed, registered, or authorized by any EU regulatory authority, including under MiCA. Use of terms such as “European”, “EU”, or references to specific EU legislation on the Website describe the subject matter of the Company’s analysis and training content and do not indicate regulatory status, endorsement, or supervision.

  1. FREE OF CHARGE SERVICES

We reserve the right to offer Services to specific customers free of charge (“Free Session”). The determination of which customers receive these Free Sessions is solely at our discretion. The decision to provide a Free Session is made unilaterally by us based on various factors, including but not limited to customer engagement, promotional considerations, or any other criteria deemed relevant by us. We are under no obligation to provide any Free Session to any specific customer or group of customers. The decision to offer a Free Session is made independently and does not create a precedent for future engagements. You are hereby informed that the provision of a Free Session is a discretionary gesture by us and does not establish any entitlement or expectation for future Free Sessions. We reserve the right to modify or discontinue the provision of Free Sessions at any time, without prior notice, and without incurring any liability to customers. Any Free Session is non-transferable and cannot be exchanged, sold, or otherwise transferred to any other party. We retain the right to revoke or cease the provision of any Free Session to any customer at our discretion, without assigning any reason for such revocation. The provision of a Free Session does not create a contractual obligation between us and you. By applying for or participating in a Free Session, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. We will determine, at our sole and absolute discretion, whether you and/or your company and/or your university and/or school are eligible to be granted access to our Free Session. Our decision in this regard is final and non-contestable. Submission of an application or request for a Free Session does not guarantee selection. We reserve the right to accept or decline any request for a Free Session without providing any reason or justification. The selection process is entirely discretionary, and no claims, appeals, or disputes regarding selection will be entertained. The Free Session is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied. We do not guarantee that the Free Session will be comprehensive, beneficial, or suitable for your needs. We expressly disclaim any liability for any direct, indirect, incidental, special, or consequential damages arising from your participation in the Free Session or reliance on any advice or information provided during the session. We make no representations or warranties regarding the accuracy, completeness, or reliability of the information shared during the Free Session. The Free Session does not constitute financial, legal, regulatory, or professional advice. You should seek independent professional advice before making any business or financial decisions. By participating in the Free Session, you waive any right to make claims, demands, or take legal action against us for any reason related to the Free Session, save to the extent such waiver is not permitted under mandatory law applicable to you. We reserve the right to modify, suspend, or terminate the Free Session offering at any time, with or without prior notice. We may also update these Terms of Service at any time, and your continued participation in a Free Session after any modifications constitutes your acceptance of the revised Terms of Service.

  1. FEES & PAYMENTS

Fees are defined in the applicable proposal, quote, contract, or Website listing. You agree to provide accurate billing information and pay according to agreed terms. Fees for Consultancy Services shall not be calculated as a percentage of, or otherwise contingent upon, the value or completion of any specific client transaction in a crypto-asset or financial instrument.

  1. THIRD-PARTY LINKS

Services may include materials from third parties. Third-party links on this Website may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third party.

  1. USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any Comments that you forward to us. We are and shall be under no obligation (a) to maintain any Comments in confidence; (b) to pay compensation for any Comments; or (c) to respond to any Comments. We may, but have no obligation to, monitor, edit, or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party’s intellectual property or these Terms of Service. You agree that your Comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Services or the Website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. We take no responsibility and assume no liability for any Comments posted by you or any third-party. You hereby grant us the non-exclusive, royalty-free right and permission to use, reproduce, display, and publish photographs, images, or other visual representations of the results of Services provided by us, including but not limited to pictures of the final outcome, on our official Website, social media accounts, and any other online promotional materials. You acknowledge that the purpose of publishing these pictures is for promotional and marketing activities related to the Services provided by us. This may include showcasing our capabilities, expertise, and the quality of our Services. You agree that you will not be entitled to any compensation, remuneration, or consideration for the use of the pictures by us as described in these Terms of Service.

  1. PERSONAL INFORMATION

Your submission of personal information through the Website is governed by our Privacy Policy, which can be viewed in the Privacy Policy section.

  1. ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our Website or in the Services that contains typographical errors, inaccuracies or omissions. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders for Services if any information in the Services or on the Website is inaccurate at any time without prior notice. We undertake no obligation to update, amend or clarify information in the Services and/or on the Website, including without limitation pricing information, except as required by law. No specified update or refresh date applied to the Services and/or Website should be taken to indicate that all information in the Services and/or Website has been modified or updated.

  1. PROHIBITED USES

In addition to other prohibitions as set forth in these Terms of Service, you are prohibited from using the Website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services or Website; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Services or Website. We reserve the right to terminate your use of the Services or Website for violating any of the prohibited uses.

  1. WARRANTY DISCLAIMER AND LIMITATION OF LIABILITY

You acknowledge and agree that your use of the Services is at your sole risk. The Services are provided strictly on an “as is” and “as available” basis, without any representations, warranties, or conditions of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, durability, title, accuracy, or non-infringement. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, that any results obtained from the Services will be accurate, reliable, or suitable for your intended purpose, or that the Services will remain available at all times. Unless expressly stated in writing, we do not offer any warranty regarding the accuracy, completeness, reliability, currentness, or future applicability of any Services, information, assessment, analysis, or opinion provided; we do not guarantee compliance with any legal or regulatory framework in any jurisdiction; and we do not guarantee, predict, or imply any business, financial, investment, operational, or commercial outcome. Past assessments, analyses, or performance indicators shall never be relied upon as guarantees or predictors of future results. To the fullest extent permitted by applicable law, in no event shall we, nor our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors, be liable for any injury, loss, or claim, nor for any direct, indirect, incidental, punitive, special, or consequential damages of any kind. This includes, without limitation: lost profits, revenue, savings, business opportunities, or data; replacement costs or procurement of substitute services; damages arising from business, investment, commercial, or regulatory decisions; actions or failures of regulators, authorities, or third parties; market volatility, operational risks, or reliance on interpretations; and any use or misuse of the Services or any information, analysis, or content provided. This applies whether such claims are based in contract, tort (including negligence), strict liability, or otherwise, and regardless of whether we have been advised of the possibility of such damages, save that nothing in these Terms of Service excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability which cannot be excluded or limited under mandatory consumer-protection law applicable to you. Digital assets are inherently volatile and subject to factors beyond our control. Any outcome, valuation, or impact remains solely at your discretion and risk. You must conduct independent assessments and seek qualified professional advice where appropriate. Any code snippets, examples, templates, or technical guidelines published on our Website are provided for informational and educational purposes only. They must not be used as functional or production code, and may not be copied, reproduced, or implemented without independent development and review. We disclaim all responsibility for any unauthorized use, implementation, or reliance on code or technical materials published on our platform.

  1. THIRD-PARTY DISCLAIMER

We may introduce or recommend to you third-party service providers, contractors, suppliers, or other parties (“Third Party”) in connection with our Services. However, it is important to understand and acknowledge the following: (a) any contract or engagement you enter into with a Third Party is a separate and independent legal and financial relationship between you and the Third Party. We are not a party to any such contract or engagement and do not assume any responsibility or liability for the actions, performance, or outcomes of a Third Party; (b) we do not control, supervise, or manage any Third Party, and we do not have the authority to dictate their operations, policies, or practices. You are solely responsible for evaluating and selecting a Third Party based on your own judgment and preferences; (c) our introduction or recommendation of a Third Party does not constitute an endorsement or warranty of their services, products, or capabilities. It is your responsibility to conduct due diligence and make informed decisions regarding any Third Party you choose to engage; (d) you agree to release, indemnify, and hold us harmless from any claims, damages, liabilities, losses, or expenses arising from your interactions, contracts, or relationships with a Third Party, to the extent permitted by applicable law. This includes any disputes, issues, delays, quality concerns, or financial matters related to a Third Party; (e) any contractual agreements, terms, or conditions between you and a Third Party are governed solely by the terms agreed upon in your contract or agreement with that Third Party. We are not a party to such agreements and are not responsible for their enforcement or fulfillment; (f) you understand that all communication, negotiations, and arrangements with a Third Party are to be conducted directly between you and the Third Party. We do not act as an intermediary or mediator in such matters, and we do not select a Third Party on your behalf for the purpose of, or receive transaction-contingent remuneration in connection with, any specific client transaction in a crypto-asset or financial instrument; (g) by using our Services and interacting with any Third Party introduced or recommended by us, you acknowledge that you have read, understood, and agreed to this Third-Party Disclaimer. It is essential that you exercise diligence, conduct appropriate due diligence, and carefully review and negotiate any contracts or agreements with a Third Party to protect your interests. We assume no liability or responsibility for your interactions with any Third Party.

  1. INTELLECTUAL PROPERTY

We retain ownership of all intellectual property rights in our Services, unless otherwise agreed upon in writing. You have the right to use our Services for the purpose intended, as specified in these Terms of Service. For Software Engineering and Delivery engagements, ownership of, and licensing terms for, client-specific deliverables, including custom code, configurations, and integrations built for the client under a statement of work, are as set out in that statement of work, which will reflect the Company's enablement commitment that the client's own team is able to own, operate, and modify what has been built; this sentence does not affect the Company's ownership of its own pre-existing tools, frameworks, methodologies, or generally applicable software components used to deliver that work.

  1. INDEMNIFICATION

You agree to indemnify, defend and hold harmless us and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party, save to the extent such indemnity would be void or unenforceable under mandatory law applicable to you as a consumer.

  1. SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service; such determination shall not affect the validity and enforceability of any other remaining provisions.

  1. ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. These Terms of Service, together with any Article 30 DORA services agreement entered into under Section 8.3, and any policies or operating rules posted by us on this Website or in respect of the Services, constitute the entire agreement and understanding between you and us and govern your use of the Services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of these Terms of Service). Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

  1. GOVERNING LAW

23.1 These Terms of Service shall be governed by and construed in accordance with the laws of Italy, without regard to its conflict of law principles. Subject to Section 23.2, you agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service, the Services, or your use of the Website shall be subject to the exclusive jurisdiction of the competent court of Milano, Italy. We reserve the right, at our sole discretion, to initiate proceedings in the courts of your place of residence or any other relevant jurisdiction, where appropriate and lawful.

23.2 If you are a consumer habitually resident in a Member State of the European Union, this choice of law and jurisdiction does not deprive you of the protection afforded by mandatory provisions of the law of your country of habitual residence from which the parties cannot derogate by agreement, and does not deprive you of your right to bring proceedings in, or require you to defend proceedings only in, a jurisdiction other than that of your habitual residence where applicable mandatory rules (including Regulation (EU) No 1215/2012 and Regulation (EC) No 593/2008, as applicable in the EU) so provide.

  1. CHANGES TO TERMS OF SERVICE

You can review the most current version of these Terms of Service at any time on this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our Website. It is your responsibility to check our Website periodically for changes. Your continued use of or access to our Website or the Services following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

  1. CONTACT INFORMATION

Questions about these Terms of Service should be sent to us through the provided contact form.

  1. LEGAL DISCLAIMER

All Services are made available strictly for general informational and educational purposes only, except for ICT Services provided under a separate agreement as described in Section 8. Nothing contained in the Consultancy Services shall constitute, or be construed as constituting: legal advice, tax advice, financial advice, investment advice, accounting advice, regulatory advice, brokerage services, custody services, investment management services, token issuance or promotion, or any other regulated professional service under any applicable law. No attorney-client, fiduciary, advisory, investment, or regulated professional relationship is created by access to or use of the Services.

NO REGULATED ACTIVITIES. The Company is not licensed, registered, or authorized by any financial, securities, banking, or virtual asset regulatory authority, including but not limited to any authority competent under Regulation (EU) 2023/1114 (MiCA) or any national or supranational regulator. This Section 26 does not affect the Company’s position as an ICT third-party service provider under DORA described in Section 8, which is a distinct regulatory status from authorization as a financial entity and does not itself require such authorization.

The Company does not, under any circumstances, directly or indirectly: execute trades; manage client funds; act as broker, dealer, custodian, or arranger; provide individualized investment recommendations; provide legal representation; provide tax structuring or tax advisory services; solicit, promote, market, or distribute tokens or financial instruments; or conduct any regulated financial or crypto-asset activity in any jurisdiction.

Any references to “legal”, “tax”, “regulatory”, “structuring”, “execution”, “compliance”, or “opinion” are provided strictly in a non-regulated, general consultancy context, describing subject matter and not the performance of a regulated act.

NO RELIANCE; ASSUMPTION OF RISK. You expressly acknowledge and agree that: all Consultancy Services are interpretative in nature; blockchain data analysis involves probabilistic and analytical judgment; regulatory frameworks are evolving and subject to reinterpretation; and no outcome, approval, enforcement posture, or regulatory classification is guaranteed. You assume full and sole responsibility for any decision made in reliance upon the Services. All decisions, actions, implementations, investments, transactions, and business strategies undertaken by you are made exclusively at your own discretion and risk. You are solely responsible for obtaining independent advice from licensed legal, tax, financial, and regulatory professionals before acting upon any information provided by us.

DIGITAL ASSET RISK DISCLOSURE. Cryptocurrencies, digital assets, tokenized assets, and blockchain-based systems are highly volatile, speculative, technologically complex, subject to cybersecurity risks, exposed to regulatory uncertainty, and vulnerable to systemic, liquidity, and counterparty risks. Loss of capital, including total loss, is possible. Past performance, modeling, analytics, projections, or scenario analysis are not indicators of future performance. Any forward-looking statements, projections, or expectations are inherently uncertain and speculative.

“AS IS” BASIS — DISCLAIMER OF WARRANTIES. All Services and Website content are provided strictly on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, the Company disclaims all representations and warranties, whether express or implied, including but not limited to accuracy, completeness, reliability, timeliness, fitness for a particular purpose, merchantability, non-infringement, uninterrupted availability, and regulatory acceptance. We do not warrant that: any regulatory authority will adopt or accept any interpretation; any bank or counterparty will accept any analysis; any compliance framework will be deemed sufficient; any enforcement action will be avoided; or any business objective will be achieved.

LIMITATION OF LIABILITY. To the maximum extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, loss of profits, revenue, business opportunity, goodwill, or data, regulatory fines or enforcement actions, third-party claims, investment losses, operational disruption, reputational damage, system failure or technological malfunction, or any other loss arising out of or related to the use of the Services. This limitation applies regardless of the legal theory asserted, including contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages, subject always to Section 17 and Section 23.2.

NO ENDORSEMENT. Reference to any cryptocurrency, exchange, protocol, company, or asset does not constitute endorsement, recommendation, or solicitation. We do not receive compensation for mentioning or discussing specific assets unless expressly disclosed.

JURISDICTIONAL COMPLIANCE; NO TARGETING OF EU/MiCA-REGULATED ACTIVITY. You are solely responsible for ensuring that any action you take complies with the laws and regulations applicable in your jurisdiction. Nothing in the Services is directed to or intended for use in any jurisdiction where such distribution would be unlawful, and nothing in the Services is directed at soliciting any activity listed in Section 7.2 from residents of the European Union, the European Economic Area.

MODIFICATIONS. We reserve the right to modify this Legal Disclaimer at any time. Changes become effective immediately upon publication. Continued use of the Services constitutes acceptance.

  1. CONTACT US

If you have any questions or concerns about this disclaimer, please contact us through our official communication channels.