Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Bruce Pea, doing business as AI Native Finance Portal ("AI Native Finance Portal," "AINFP," "we," "our," or "us"), governing your access to and use of the website located at ainfp.org and any related content, tools, features, applications, or services made available by AINFP (collectively, the "Service"). By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not access or use the Service.
If you access or use the Service on behalf of a company or other entity, you represent and warrant that you have authority to bind that entity, and "you" includes that entity and its affiliates. You must be at least 18 years old to use the Service.
About AI Native Finance Portal
AI Native Finance Portal is a United States-based information platform owned and operated by Bruce Pea, with a mailing address at 2800 E Spring Creek Pkwy, Plano, TX 75074, United States. Contact: [email protected].
The Service provides educational content and tools related to blockchain and cryptocurrency, including coin and token information, exchange comparisons, airdrop listings, research aides, market commentary, curated news, and step-by-step guides. AINFP is not a broker, dealer, investment adviser, commodity trading advisor, money services business, exchange, custodian, wallet provider, or fiduciary, and does not provide financial, investment, legal, accounting, or tax advice. All information is provided for educational and informational purposes only and should not be relied upon for transactions or decisions without independent verification and consultation with qualified professionals.
Definitions
"Content" means text, data, graphics, images, software, tools, code, and other materials made available through the Service. "User Content" means any content you submit, post, upload, or otherwise provide to the Service. "Third-Party Services" means products, services, websites, or content provided by parties other than AINFP.
Eligibility
You represent and warrant that: (a) you are at least 18 years old; (b) you are not located in, under the control of, or a national or resident of any country or territory subject to comprehensive U.S. sanctions; (c) you are not identified on any U.S. government sanctions or watchlist; and (d) your use of the Service complies with all applicable laws and regulations.
Account Registration and Security
Certain features may require an account. You agree to provide accurate, current, and complete information and to maintain and promptly update it. You are responsible for safeguarding your credentials and for all activities under your account. Notify us immediately of any unauthorized use. We may suspend or terminate access, reset credentials, or require verification to protect you, other users, or the Service.
Nature of the Service; No Advice
The Service is informational, educational, and research-oriented. It may include price data, market metrics, on-chain indicators, comparisons, tutorials, and curated news. The Service may reference or describe products or services, including exchanges, wallets, protocols, or tokens. Such references do not constitute an endorsement or recommendation. You are solely responsible for your decisions, including any transactions you make with Third-Party Services.
Cryptocurrency, digital asset, and blockchain-related activities are inherently risky and can result in complete loss of value. Past performance is not indicative of future results. You acknowledge that you may incur taxes, fees, and regulatory obligations and that you are solely responsible for compliance with applicable laws and reporting requirements.
AI-Assisted Tools and Limitations
The Service may include AI-assisted research, prompts, summaries, and analytical tools. AI outputs can be incomplete, outdated, inaccurate, or reflect model and data limitations. You should treat all AI outputs as unverified and independently confirm critical information from primary sources. AI features are provided for educational purposes only and do not constitute professional advice. Do not submit sensitive personal data or confidential information into AI tools.
Market Data, Third-Party Content, and Links
Data may be sourced from third-party providers and may be delayed, incomplete, or incorrect. We do not guarantee the timeliness, accuracy, or completeness of any data or third-party content. Links or references to Third-Party Services are provided for convenience and do not imply endorsement. Your interactions with Third-Party Services are solely between you and such third parties and may be governed by their terms and privacy policies. We may receive compensation for referrals, listings, or affiliate links; such compensation does not affect our commitment to provide informative content but may influence placement or presentation.
Airdrops, Promotions, and Rewards
AINFP does not issue, sell, or distribute digital assets and does not custody any tokens. Airdrop listings, calendars, or guides are informational only and do not guarantee eligibility, receipt, value, or safety. Participation in any airdrop may involve fees (e.g., network gas), KYC/AML checks, geographic restrictions, or other risks, including fraud or loss. You are solely responsible for due diligence, wallet security, and compliance with tax and legal obligations.
User Conduct
You agree to use the Service only for lawful purposes and in compliance with these Terms. Without limitation, you will not:
- Use the Service in violation of any law, regulation, sanctions program, or rights of others.
- Infringe, misappropriate, or violate intellectual property, privacy, publicity, or other rights.
- Introduce malware, exploit vulnerabilities, or interfere with security or integrity.
- Scrape, harvest, or collect data except as expressly permitted; use bots or automation that impose unreasonable load.
- Reverse engineer, decompile, or attempt to derive source code, except to the extent such restriction is prohibited by applicable law.
- Spam, manipulate rankings, engage in deceptive or fraudulent activities, or impersonate any person or entity.
- Circumvent access controls, rate limits, or usage restrictions.
Prohibited Jurisdictions and Compliance
You may not use the Service if you are located in, ordinarily resident in, or organized under the laws of any jurisdiction subject to comprehensive U.S. sanctions or if you are on any U.S. government sanctions list. You must comply with U.S. export controls and sanctions and all applicable anti-money laundering and counter-terrorist financing laws.
Intellectual Property
The Service and Content are owned by AINFP or its licensors and are protected by intellectual property laws. All trademarks, logos, and service marks displayed are the property of their respective owners. Except as expressly stated, no license or right is granted by implication, estoppel, or otherwise.
License and Acceptable Use
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use (or for internal use by your organization if you are authorized). Any use of the Service other than as expressly permitted is prohibited.
User Content and Feedback
By submitting User Content, you grant AINFP a worldwide, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such content in connection with operating, improving, and promoting the Service. You represent and warrant that you have all necessary rights to grant the foregoing license and that your User Content complies with these Terms and all applicable laws.
If you provide feedback or suggestions, we may use them without restriction or compensation to you.
Copyright and DMCA Policy
We respect intellectual property rights. If you believe that content on the Service infringes your copyright, you may submit a notice pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512) to our designated agent:
DMCA Agent: Bruce Pea
Address: 2800 E Spring Creek Pkwy, Plano, TX 75074, United States
Email: [email protected]
Your notice must include: (1) a physical or electronic signature of the copyright owner or authorized agent; (2) identification of the copyrighted work claimed to have been infringed; (3) identification of the material claimed to be infringing and information reasonably sufficient to permit us to locate the material; (4) your contact information; (5) a statement that you have a good-faith belief that use of the material is not authorized; and (6) a statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner. We may remove or disable access to reported material and may terminate repeat infringers. If you believe material was removed in error, you may submit a counter-notice pursuant to 17 U.S.C. § 512(g).
Privacy
Your use of the Service is subject to our Privacy Policy, which explains how we collect, use, and share information. We may use cookies and similar technologies to operate and improve the Service. By using the Service, you consent to the collection and use of information as described in the Privacy Policy.
Communications and Electronic Signatures
By creating an account or providing contact information, you agree that we may send you transactional, administrative, and promotional communications electronically. You consent to the use of electronic signatures and records, and you agree that such electronic communications satisfy any legal requirements for written communications.
Paid Services, Subscriptions, and Billing
We may offer paid features or subscriptions. Prices, features, and availability are subject to change. Unless otherwise stated, subscriptions will automatically renew at the end of each term, and you authorize us to charge the applicable fees using your payment method on file. You may cancel before the renewal date to avoid future charges; fees already paid are non-refundable except as required by law or expressly stated. You are responsible for all taxes, duties, and government charges. We may suspend or terminate access for non-payment or chargebacks.
Disclaimers
THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR RELIABILITY. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED.
CRYPTOCURRENCIES AND DIGITAL ASSETS ARE VOLATILE AND INVOLVE SIGNIFICANT RISK, INCLUDING TOTAL LOSS. YOU ASSUME ALL RISK FOR YOUR USE OF THE SERVICE, INCLUDING RELIANCE ON ANY CONTENT OR AI-ASSISTED OUTPUTS.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL AINFP, BRUCE PEA, OUR AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR (B) ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
Indemnification
You agree to defend, indemnify, and hold harmless AINFP, Bruce Pea, and our affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms or applicable law; or (d) your interaction with Third-Party Services.
Governing Law
These Terms and any dispute, claim, or controversy relating to them or the Service are governed by the Federal Arbitration Act, applicable federal law, and the laws of the State of Texas, without regard to conflicts of laws principles, except as otherwise provided in the Arbitration Agreement below.
Arbitration Agreement and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES BINDING ARBITRATION ON AN INDIVIDUAL BASIS AND A WAIVER OF JURY TRIALS AND CLASS ACTIONS.
Informal Dispute Resolution
Before initiating arbitration, you agree to first notify us of the dispute and attempt to resolve it informally by sending written notice describing the dispute to [email protected] and to the mailing address in these Terms. If we cannot resolve the dispute within 30 days, either party may commence arbitration.
Arbitration Procedures
All disputes arising out of or relating to these Terms or the Service that cannot be resolved informally will be resolved by binding arbitration administered by a recognized arbitration provider under its applicable consumer/commercial rules. The seat of arbitration will be Dallas County, Texas. The arbitration may be conducted by telephone, video, or based on written submissions, as appropriate. The arbitrator has exclusive authority to resolve disputes regarding the interpretation, applicability, enforceability, or formation of this arbitration agreement. The arbitrator may award relief on an individual basis that would be available in court. Judgment on the award may be entered in any court with jurisdiction. Each party will bear its own fees and costs, subject to applicable rules and law.
Class and Representative Action Waiver; Jury Trial Waiver
YOU AND AINFP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. IF THE CLASS ACTION WAIVER IS FOUND UNENFORCEABLE, THIS ENTIRE ARBITRATION PROVISION WILL BE UNENFORCEABLE, AND THE DISPUTE WILL BE DECIDED BY A COURT. YOU AND AINFP WAIVE THE RIGHT TO A JURY TRIAL TO THE EXTENT PERMITTED BY LAW.
Small Claims and Opt-Out
Either party may bring an individual action in small claims court in Dallas County, Texas, if the claim qualifies. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending a written opt-out notice with your name, contact information, and a clear statement of your intent to opt out to [email protected] or to the mailing address in these Terms. If you opt out, neither party is bound by this arbitration agreement.
Termination and Suspension
We may suspend or terminate your access to the Service, or remove content, at any time for any reason or no reason, including for violation of these Terms or applicable law. Upon termination, your license to use the Service will immediately cease. Sections that by their nature should survive termination will survive, including but not limited to intellectual property, disclaimers, limitations of liability, indemnification, governing law, and arbitration.
Changes to the Service and Terms
We may modify the Service or these Terms at any time. We will post updated Terms on the Service, and the "last updated" date may be revised. Material changes will be communicated through the Service or by reasonable means. Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.
Availability and Force Majeure
The Service may be unavailable, interrupted, or delayed for maintenance, upgrades, or events beyond our reasonable control, including acts of God, labor disputes, failures of suppliers or utilities, cyber incidents, or governmental actions. We are not liable for any such unavailability or delays.
International Use
The Service is controlled and operated from the United States and is not intended to subject us to the laws or jurisdiction of any non-U.S. jurisdiction. You are responsible for compliance with local laws where you access the Service.
Export Controls
You may not use, export, re-export, import, or transfer any part of the Service except as authorized by U.S. law and the laws of the jurisdiction(s) in which you access the Service. You represent and warrant that you are not prohibited from receiving the Service under applicable export control or sanctions laws.
Third-Party Services
Your use of Third-Party Services is at your sole risk and subject to third-party terms. We are not responsible for Third-Party Services, and we disclaim all liability arising from your interactions with them.
No Waiver; Severability; Assignment; Entire Agreement
No waiver of any provision is effective unless in writing and signed by us. If any provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary to be enforceable, and the remaining provisions will remain in full force. You may not assign these Terms without our prior written consent; we may assign them without restriction. These Terms, together with any policies referenced herein, constitute the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous agreements on the subject matter.
Contact Information
Owner: Bruce Pea
Address: 2800 E Spring Creek Pkwy, Plano, TX 75074, United States
Email: [email protected]
