Terms of Service

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms, the EULA and Refund Policy, and you acknowledge that you have read our Privacy Policy. By completing checkout through Whop, you expressly agree to these Terms, the EULA, the Refund Policy and any product-specific terms displayed at checkout by ticking the relevant acceptance checkbox before completing your purchase.

BlockPhi is an investment analytics firm that publishes research, quantitative frameworks, market commentary, and educational content. Parts of the Services are delivered through a private community hosted on Discord with paid access managed by Whop. Nothing we publish is personalised investment, financial, legal, accounting, or tax advice, and we do not act as your broker, investment adviser, financial planner, or fiduciary. You are solely responsible for your investment decisions.

You may use the Services only if:

• You are at least 18 years old and have the legal capacity to enter into a binding contract in your jurisdiction.
• You are not barred from using the Services under the laws of your jurisdiction or any other applicable jurisdiction.
• You are not located in, under the control of, or a national or resident of any country subject to comprehensive US, EU, UN, UK, or other applicable sanctions, and you are not on any sanctions, denied-parties, or specially-designated-nationals list.
• You will comply with all applicable laws, including securities, tax, AML, and sanctions laws, in your jurisdiction.

Access to paid tiers requires an account with Whop and, for community access, with Discord. You are responsible for providing accurate and current account information, maintaining the confidentiality of your credentials, for all activity on your account, and for notifying us promptly at contact@blockphi.com if you suspect unauthorised access. We are not liable for any loss arising from your failure to safeguard your credentials.

• Payment processing. All paid memberships are processed by Whop under Whop’s own terms (whop.com/terms). We do not receive or store your payment card details.
• Subscriptions and renewals. Subscriptions renew automatically at the end of each billing period at the then-current rate unless cancelled. You may cancel at any time through your Whop account; cancellation takes effect at the end of the current paid period.
• Price changes. We may change membership prices from time to time. Any price change will apply only from the first renewal date occurring after we have given you reasonable prior notice. You may cancel your Membership before the new price takes effect.
• Lifetime membership. Where we offer a lifetime membership, it includes access to BlockPhi Gold without recurring membership fees, including future updates and features that are added to BlockPhi Gold, for as long as BlockPhi continues to offer BlockPhi Gold. It does not include future products, separate membership tiers, paid add-ons, paid events, data packages, or other offerings sold separately, unless expressly stated otherwise at the time of purchase.
• Taxes. Prices are exclusive of any applicable VAT, sales tax, or withholding taxes, which may be added at the point of purchase by Whop.

We offer a 7-day money-back guarantee on the first paid period of a new Membership: if within 7 days of your first payment you decide the Services are not for you, contact contact@blockphi.com and we will refund that payment in full. Eligibility, exclusions, renewal payments, statutory withdrawal rights, and the refund process are set out in our Refund Policy.

After the 7-day period, payments are non-refundable except as expressly provided in the Refund Policy or required by mandatory consumer-protection law. Approved refunds are processed through Whop to the original payment method.

We may offer a free tier, trial access, or promotional pricing. Trials automatically convert to paid memberships at the end of the trial period unless you cancel before conversion. Promotional rates apply only for the period stated and revert to the standard rate on renewal unless we expressly state otherwise.

8.1 Our content

All research, frameworks, scripts, templates, models, graphics, text, and other material made available through the Services (collectively, “Content”) is owned by BlockPhi or its licensors and is protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Content for your own personal, non-commercial investment decisions during your membership. All rights not expressly granted are reserved. See our separate End User Licence Agreement (EULA) for the full licence terms.

8.2 Your content

If you post, upload, or submit content (including messages in our community, testimonials, feedback, or other materials) you grant BlockPhi a worldwide, non-exclusive, royalty-free, sublicensable, and transferable licence to host, store, use, reproduce, modify, display, and distribute that content in connection with operating, improving, and promoting the Services. You represent that you own or have the right to grant this licence and that your content does not infringe any third-party rights.

8.3 Feedback

If you provide feedback or suggestions about the Services, you grant us the right to use that feedback without restriction or compensation.

In addition to the restrictions concerning Licensed Material set out in Section 4 of the EULA, you agree that you will not:

• Share, resell, publish, or redistribute paid Content, including screenshots, community channel contents, TradingView scripts, research reports, or member discussions.
• Use the Services to build a competing product or to train a machine-learning model.
• Scrape, crawl, or mirror any part of the Services, or attempt to extract data in bulk.
• Attempt to gain unauthorised access to the Services or any related systems, or interfere with their operation.
• Upload malware, engage in denial-of-service behaviour, or probe for vulnerabilities without written authorisation.
• Impersonate another person, misrepresent your affiliation, or use the Services in a way that is misleading, defamatory, harassing, hateful, or unlawful.
• Use the Services to promote unrelated products, services, or investment opportunities, or to solicit other members without our prior written permission.
• Violate any applicable law or regulation, including securities, tax, AML, sanctions, export-control, or data-protection laws.

Any breach of this Section 9 or the EULA may result in removal of content and suspension or termination of access without notice or refund. BlockPhi may also seek any remedy available under applicable law, including injunctive or other equitable relief and monetary damages.

The BlockPhi community is a professional space. Members must communicate in a civil, constructive, relevant, and respectful manner and must not spam, repeatedly post low-effort or irrelevant content, disrupt discussions, mislead other members, or otherwise materially undermine the quality or purpose of the community. We may moderate content and, where reasonably necessary, warn, suspend, or remove any member whose conduct is incompatible with these standards or who fails to comply with reasonable moderator instructions. In serious or repeated cases, removal may be immediate.

Do not engage in market manipulation, coordinated buying or selling, pump-and-dump schemes, insider trading, front-running of research, or any other conduct that could violate securities laws or community trust.

The Services integrate with and link to third-party services, including (but not limited to) Whop (payments and access), Discord (community), Substack (newsletter), TradingView (charts and scripts), FormSubmit (contact transport), Medium (research publication), and YouTube (video content). Your use of those services is subject to their respective terms and privacy policies. We are not responsible for their performance, availability, content, or practices.

Some links on the Services are affiliate or partner links. If you click through and sign up, create an account, or make a purchase, we may receive a referral fee or commission at no additional cost to you. Our research and coverage decisions are never influenced by affiliate arrangements. Affiliate links are identified with rel="sponsored" in line with search-engine guidelines.

Testimonials presented on the Services reflect the views of the individuals who provided them. They are not paid testimonials unless expressly noted. Testimonials describe personal experiences and do not guarantee that you will experience similar results. Any testimonial featuring investment outcomes is accompanied by the disclosures required by applicable marketing and advertising rules. Where a testimonial refers to specific returns, those returns are not a guarantee of future performance.

Investing of any kind, and investing in digital assets in particular, involves substantial risk, including the possible loss of your entire investment. Before making any investment decision, you should carefully consider your financial situation, investment objectives, risk tolerance, and the risks outlined below, and you should consult a qualified professional.

• Market risk. Digital-asset, equity, fixed-income, commodity, and currency markets can be volatile. Prices may decline rapidly and substantially, and assets may become worthless or illiquid.
• Crypto-specific risks. Digital assets may be subject to extreme volatility, thin liquidity, exchange failures, custody and wallet risk, smart-contract bugs, protocol changes, forks, governance disputes, and loss of private keys. Many digital-asset markets operate 24/7 with limited investor protection compared to traditional securities markets.
• Leverage and derivatives risk. Margin, perpetuals, options, and other derivatives can amplify losses and result in losses greater than the amount initially invested. Funding rates, forced liquidations, and cascading deleveraging can cause rapid and severe losses.
• Regulatory and legal risk. Laws governing digital assets, securities, commodities, tax, and consumer protection vary across jurisdictions and are evolving. Regulatory changes may affect the availability, value, or tax treatment of investments.
• Tax risk. Digital-asset transactions generally have tax consequences and recordkeeping obligations. You are solely responsible for determining and paying any applicable taxes and for keeping accurate records.
• Operational and technology risk. Exchanges, brokers, and platforms can experience outages, bugs, breaches, and insolvencies. Transfers can be delayed or lost. You are responsible for safeguarding your own accounts and wallets.
• Model risk. Any framework, backtest, or model output is a simplification of reality, depends on historical data, and may fail to predict future outcomes. Assumptions and parameters may prove wrong. Past performance of any strategy is not indicative of future results.
• Macro, geopolitical, and systemic risk. Monetary-policy shifts, banking crises, wars, cyberattacks, pandemics, and other systemic events can drive correlated losses across asset classes.

All Content on the Services is for general educational and informational purposes only and is not investment, financial, legal, tax, accounting, or other professional advice. BlockPhi is not registered as an investment adviser or broker-dealer with any regulatory authority unless we expressly state otherwise. No portion of the Services should be construed as:

• A recommendation to buy, sell, hold, or solicit any security or digital asset.
• An offer or solicitation of any security or investment product in any jurisdiction where such offer or solicitation would be unlawful.
• A personalised investment plan or portfolio recommendation for you.
• Legal, tax, accounting, or estate-planning advice.

You acknowledge that you are solely responsible for your own investment decisions and for any resulting gains or losses.

The Services may contain forward-looking statements about markets, economies, and investment outlooks. These statements reflect our view at the time they are made and are subject to change, risk, and uncertainty. Actual results may differ materially. We undertake no obligation to update forward-looking statements.

THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, BLOCKPHI DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY INFORMATION PROVIDED IS ACCURATE, CURRENT, OR COMPLETE.

DATA, CALCULATIONS, MODEL OUTPUTS, FORECASTS, FAIR-VALUE ESTIMATES, SIGNALS, CHARTS AND VISUALISATIONS MAY BE INCOMPLETE, DELAYED, INACCURATE, UNAVAILABLE OR SUBSEQUENTLY REVISED. THEY MAY DEPEND ON THIRD-PARTY DATA AND ASSUMPTIONS THAT PROVE INCORRECT. MODELS AND FORECASTS ARE INHERENTLY UNCERTAIN AND MAY BE MATERIALLY WRONG. YOU SHOULD INDEPENDENTLY ASSESS AND VERIFY INFORMATION BEFORE RELYING ON IT.

TO THE FULLEST EXTENT PERMITTED BY LAW, BLOCKPHI AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; FOR LOST PROFITS, LOST DATA, LOST OPPORTUNITY, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION; OR FOR ANY INVESTMENT LOSS OR TRADING LOSS ARISING FROM OR RELATING TO THE SERVICES, THE CONTENT, OR YOUR RELIANCE ON ANY OF IT, REGARDLESS OF THE LEGAL BASIS OF THE CLAIM (CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL BASIS) AND EVEN IF THE LOSS WAS FORESEEABLE OR BLOCKPHI HAD BEEN ADVISED OF ITS POSSIBILITY.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES AND THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO BLOCKPHI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) EUR 100.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, death, or physical injury caused by our negligence.

You agree to indemnify, defend, and hold harmless BlockPhi and its officers, employees, contractors, agents, affiliates, and licensors from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your use of the Services, (b) your violation of these Terms or any applicable law, (c) your infringement of any third-party right, or (d) your content.

20.1 We may suspend access immediately where reasonably necessary to protect BlockPhi, its Members, the Services or third parties, or while investigating a suspected violation.

We may terminate access immediately for a non-curable or serious breach of these Terms, including (but not limited) intentional redistribution of Licensed Material, account sharing, unauthorised access, fraud, market manipulation, or repeated violations. Where a material breach is reasonably capable of remedy and does not require immediate termination, we may provide written notice and a period of seven days in which to remedy it.

Except as required by mandatory law or expressly provided in the Refund Policy, you will not be entitled to a refund, credit or any other compensation where your paid access is suspended or terminated as a result of a breach of these Terms or the EULA, non-payment, fraud, unlawful conduct, a material security risk caused by your act or omission, or other misconduct attributable to you.

20.2 You may cancel the automatic renewal of your Membership at any time through your Whop account. Cancellation takes effect at the end of the current paid period.

20.3 Any provision that by its nature is intended to survive the expiry or termination of these Terms will remain in effect, including Sections 8 (Intellectual property), 13-19 (Disclosures and liability), 22-29 (Dispute resolution and miscellaneous), and any payment obligation accrued before expiry or termination.

We may add, modify, suspend, or discontinue any part of the Services at any time.

We may update these Terms from time to time; material changes will be reflected on this page with a new “Last updated” date, and, where appropriate, we will notify you. Your continued use of the Services after the revised Terms take effect constitutes your acceptance of the changes. If you do not agree to the changes, you must stop using the Services.

If you believe content on the Services infringes your copyright, please send a notice to contact@blockphi.com including: (a) identification of the copyrighted work claimed to be infringed, (b) identification of the allegedly infringing material and its location on the Services, (c) your contact information, (d) a statement that you have a good-faith belief that the use is not authorised, (e) a statement, under penalty of perjury, that the information is accurate and that you are authorised to act on behalf of the owner, and (f) your physical or electronic signature.

The Services may be subject to export-control and sanctions laws of the European Union, the United States, the United Kingdom, and other jurisdictions. You may not use, access, export, re-export, or transfer the Services in violation of any such laws. You represent that you are not on, and are not acting on behalf of anyone on, any sanctions or denied-parties list.

These Terms, the Services, and any contractual or non-contractual dispute arising out of or in connection with them are governed by Belgian law. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Any such dispute or claim will be submitted, in accordance with section 25, to the exclusive jurisdiction of the Dutch-speaking courts of Belgium.

Before filing a claim, you agree to attempt in good faith to resolve the dispute informally by sending a written notice to contact@blockphi.com describing the claim and the relief sought. We will attempt to resolve the dispute within 60 days. If we cannot, either party may commence a formal proceeding in the forum designated in Section 24. Any proceeding commenced without first complying with this Section shall be inadmissible.

You consent to receive communications from us electronically, including emails, notices, and disclosures. Communications delivered electronically satisfy any legal requirement that such communications be in writing.

We are not liable for any delay or failure to perform resulting from causes outside our reasonable control, including (but not limited to) acts of God, war, terrorism, riots, embargoes, civil or military authorities, fire, flood, accidents, pandemics, network infrastructure failures, strikes, or shortages of transport, facilities, fuel, energy, labour, or materials.

• Entire agreement and order of precedence. These Terms, the EULA, the Refund Policy, the Privacy Policy and any product-specific terms presented to and accepted by you at checkout together constitute the entire agreement between you and BlockPhi regarding the Services and supersede all prior understandings.

  These documents should be read together and apply cumulatively. A provision is not inconsistent with another provision merely because it imposes an additional, more detailed or more restrictive obligation. If, and only to the extent that, the provisions of these documents cannot reasonably be reconciled:

  1. product-specific terms prevail only in relation to the specific product or tier purchased, its included features and access, its price and its billing period;
  2. the EULA prevails in relation to the ownership of, licence to, restrictions on and use of Licensed Material;
  3. the Refund Policy prevails in relation to the 7-day money-back guarantee, refunds, cancellations, renewal payments and statutory withdrawal rights;
  4. these Terms prevail in relation to all other matters.
• Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be reformed to the minimum extent necessary to make it enforceable.
• No waiver. Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, or sale of assets.
• No partnership. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary, or employment relationship between you and BlockPhi.
• Headings. Headings are for convenience only and do not affect interpretation.

Questions about these Terms? Email contact@blockphi.com.