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Last updated: November 21, 2025

Important: These Terms of Use explain how Blockwealth works, what you can expect from the service, and what responsibilities you have when using this site. By creating an account, logging in, or using any part of this site, you agree to these Terms.

1. Who we are

Blockwealth is an online platform that helps users track, allocate, and grow crypto-denominated balances through internal wallets, savings plans, and referral rewards. We do not provide personalized financial, investment, tax, or legal advice. All information on this site is for general informational and educational purposes only.

2. Eligibility & your account

• You must be at least 18 years old (or the minimum legal age in your jurisdiction) and legally able to enter into a binding agreement.
• You are responsible for keeping your login details, PIN, 2FA codes, and any other security credentials private. Do not share them with anyone.
• You are responsible for all activity that occurs under your account, whether or not you personally perform the actions.
• If you believe your account has been compromised, you agree to contact support immediately and update your password / security settings.

3. Balances, wallets & packages

Within Blockwealth you may see internal balances (such as “Expenditure”, “Savings”, “Withdrawable”, or similar labels) and packages or plans (for example, fixed-term earning plans with a displayed daily yield). These are internal accounting entries within the platform, not separate bank accounts, custodial accounts, or regulated investment products.

• Displayed yields and rewards are based on internal rules, strategies, and targets. They are subject to change at any time and may be capped, paused, or updated at our discretion.
• Activating a package or internal plan does not transfer legal ownership of any particular coin or investment strategy to you. You receive an internal platform balance and reward logic, not a direct trading account.
• We may adjust balances where necessary to correct errors, resolve disputes, comply with law or platform policies, or reflect the outcome of our internal risk management process.

3A. How package funds may be used behind the scenes

When you use your funds to purchase a package, those funds become part of a larger pool that may be managed by our team and our systems. Behind the scenes, the platform may use some or all of this pooled capital to invest in, trade, or allocate across different crypto assets and related strategies that we consider promising at that time.

In practical terms, this means:

• We may deploy pooled capital into a mix of assets such as stablecoins, major layer-1 chains, layer-2 networks, DeFi protocols, or other digital assets that we believe have potential.
• We may rebalance positions frequently, slowly, or not at all for periods of time, depending on market conditions and our internal risk views.
• We may hold cash or stablecoins when we believe market conditions are too risky, or increase exposure when we see opportunities.
• Our decisions are discretionary and may change quickly. You do not control or direct trading decisions, timing, or choice of assets.

The goal of using pooled capital in this way is to support the platform’s ability to credit daily yields, maintain operations, and continue running the product. However, you understand and agree that:

• There is no guarantee that any specific trade, strategy, or allocation will be profitable.
• The use of your package funds in pooled strategies may result in gains or losses at the platform level, and those outcomes may not always match the fixed daily yield shown in your package.
• The platform may generate profits in some periods and losses in other periods. How those gains or losses are handled is governed by our internal policies and risk management, which may change over time.

3B. Daily yields, wins, and losses

When you activate a package, you may see a stated daily yield or reward rate. This rate describes how the platform intends to credit your internal balance under normal conditions. It is not a hard promise of profit and not a fixed contractual return.

From time to time, markets can move sharply up or down. In those situations:

• If our pooled strategies perform well, the platform as a whole may earn more than the total daily yield that is credited to users. In that case, the “extra” performance may be used to strengthen reserves, cover future losses, support operations, or improve the product.
• If our pooled strategies perform poorly or markets crash, the platform as a whole may earn less than the total daily yield credited to users, or may even experience a net loss.
• In some of those negative scenarios, we may choose, at our discretion, to absorb part or all of the loss at the platform level so that users still receive their daily yields or only see limited changes.
• In other scenarios, especially if the loss is large or ongoing, we may reduce yields, pause certain packages, change package terms going forward, or take other protective steps. We are not obligated to permanently cover or insure every loss.

This means that sometimes Blockwealth “takes the hit” so that day-to-day rewards look smooth to users, and sometimes we “win big” when markets move in our favor. By using the platform, you understand and agree that:

• The platform’s internal profit or loss may be different from the yields credited to your account.
• You do not participate in the full upside or downside of every individual trade or strategy.
• We may adjust yields, package availability, reward structures, and other parameters over time as markets, regulations, or the platform’s risk appetite change.

3C. Use of data, analytics & decision tools

To help us choose which crypto assets and strategies look more promising, we may use a combination of:

• Market data feeds (prices, volumes, order books, on-chain data, funding rates, and similar metrics).
• Internal risk models and dashboards built by our team.
• Screeners, scoring systems, and pattern detection tools that highlight trends, volatility, and potential opportunities.
• Where available, machine-learning or AI-assisted tools to identify patterns, clusters of behavior, or risk signals that might not be obvious in raw data.

These tools are meant to support human decision-making, not replace it. They can be wrong, delayed, incomplete, or based on assumptions that stop working when markets change. You understand that:

• Data-driven or AI-assisted insights do not guarantee a better outcome or positive returns.
• Any models, algorithms, or scoring systems we use may be updated, turned off, or replaced without notice.
• Our team may override automated suggestions at any time based on our judgment.

4. Deposits and withdrawals

• When you send crypto to a deposit address provided by the platform, you are responsible for using the correct network, token, and address. Transactions sent to the wrong address or network may be permanently lost and cannot always be recovered.
• Network fees, confirmations, and processing times are outside of our control. Your balance may only update after a required number of confirmations or internal checks.
• Withdrawals may be subject to minimums, fees, manual review, security checks, and processing queues. We may delay or decline a withdrawal if we suspect fraud, account compromise, or violation of these Terms or applicable laws.
• We do not guarantee that withdrawals will always be available in every region or for every asset at all times.

5. Referral program

• We may offer referral codes or links that allow you to earn rewards when people sign up and use the platform through your link.
• Referral rewards, percentages, and eligibility rules can be changed, limited, or discontinued at any time, with or without notice.
• You may not use spam, misleading advertising, or any illegal method to promote your referral link.
• If we believe referrals are fraudulent or abusive, we may remove rewards, reverse transactions, or close accounts.

6. No guarantees & crypto risks

Crypto assets are highly volatile and can lose value quickly. By using this platform you accept the following:

• Prices of assets can go up or down, sometimes drastically within minutes or seconds.
• Past performance, historical returns, or previously displayed yields do not guarantee future results.
• There is always a risk of technical failures, smart-contract bugs, exchange issues, network congestion, or other problems that may impact deposits, withdrawals, or displayed balances.
• You should never deposit more than you can afford to lose, and you are solely responsible for your own decisions.
• Regulatory changes or actions in one or more jurisdictions may affect the availability of certain services, tokens, or features on the platform.

7. No investment, legal, or tax advice

Nothing on this site is an offer, recommendation, or solicitation to buy or sell any asset, or to engage in any particular strategy. You should consult your own independent financial, legal, and tax advisers before making decisions. We do not act as your adviser or fiduciary, and we do not monitor whether our services are appropriate for your personal situation.

8. Acceptable use

You agree that you will NOT use Blockwealth to:

• Violate any applicable laws or regulations.
• Engage in fraud, scams, or other misleading or abusive behavior.
• Launder money, finance terrorism, or support illegal activities.
• Attempt to hack, disrupt, or overload the site, APIs, or infrastructure.
• Scrape, resell, or misuse any data or content from the platform.

We may investigate suspected violations and take appropriate action, including restricting features, closing accounts, or reporting to relevant authorities.

9. Service changes & availability

• We may modify, pause, or discontinue any part of the site, any token, or any feature at any time.
• Planned or unplanned downtime may occur. We do not guarantee that the site will be available 24/7 or error-free.
• Data shown in your dashboard and history is provided on a best-effort basis and may be delayed or subject to correction.

10. Limitation of liability

To the fullest extent permitted by law, Blockwealth and its owners, team members, and partners are not liable for:

• Indirect, incidental, special, or consequential damages.
• Loss of profits, revenue, data, or opportunities.
• Losses resulting from hacked accounts, stolen credentials, incorrect wallet addresses, network failures, or your misunderstanding of how the platform works.
• Any losses arising from market moves, crashes, or poor performance of assets chosen by the platform, whether or not we used data, analytics, or AI-style tools in making those choices.

If we are found liable for any claim, our total aggregate liability will be limited to the lesser of (a) the amount of fees you paid to us (if any) in the 3 months before the event, or (b) an amount set by applicable law.

11. Changes to these Terms

We may update these Terms from time to time. When we do, we will change the “Last updated” date at the top. Your continued use of the site after any change means you accept the updated Terms. If you do not agree, you must stop using the platform and, where possible, close your account.

12. Contact

If you have questions about these Terms or about your account, please contact support through the in-app support area or the official email address listed on the site.

By clicking “Create account”, checking the Terms box, or continuing to use Blockwealth, you confirm that you have read, understood, and agree to these Terms of Use.