Acceptance of Terms

These Terms of Service (the "Terms") constitute a legally binding agreement between you and the owner and operator of the website hwbta.org, Brennan Lockridge, doing business as "Home of Web3, Blockchain, Tokens & Airdrops" (collectively, "HWBTA," "we," "us," or "our"). By accessing or using our website, content, or services (the "Services"), you agree to be bound by these Terms and all applicable laws and regulations of the United States of America and the State of Illinois. If you do not agree to these Terms, do not access or use the Services.

These Terms apply to all visitors, users, and others who access or use the Services. If you are using the Services on behalf of an entity, you represent that you are authorized to accept these Terms on that entity’s behalf and that the entity agrees to indemnify HWBTA for violations of these Terms.

Effective date: October 7, 2025

Eligibility

You must be at least 18 years of age and have the legal capacity to enter into these Terms to access or use the Services. By using the Services, you represent and warrant that you meet these eligibility requirements and that you are not barred from using the Services under any applicable law, including sanctions or export control laws.

Description of Services

HWBTA provides educational content and resources related to web3, blockchain, cryptocurrencies, token guides, market analysis, exchange comparisons, and curated information about airdrops and other opportunities in the digital asset ecosystem. Our Services are intended for informational and educational purposes only.

Educational Content

Content may include articles, how-to guides, explanatory materials, and security tips designed to help users understand blockchain technologies and related topics. Information may be updated periodically but may not always reflect the most current developments.

Listings, Comparisons, and Airdrops

We may publish listings of coins/tokens, summaries of third-party exchanges and services, and curated airdrop opportunities. Such listings are informational only and do not constitute endorsements, recommendations, or guarantees.

No Custody, No Brokerage or Advisory

HWBTA does not provide custodial services, does not execute trades, does not hold user assets, and does not act as a broker, dealer, investment adviser, money transmitter, or money services business. We do not offer individualized financial, investment, legal, or tax advice.

Account Registration and Security

We may allow or require account registration for certain features. You agree to provide accurate, current, and complete information and to keep such information updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use or suspected breach of security.

User Conduct

You agree not to use the Services to:

• Engage in any unlawful, fraudulent, misleading, or harmful activities, including activities that violate applicable securities, commodities, sanctions, or anti-money laundering laws.
• Post, upload, or transmit content that is defamatory, harassing, hateful, infringing, obscene, or otherwise objectionable.
• Interfere with or disrupt the Services or servers, including by introducing malware, attempting to gain unauthorized access, or circumventing security measures or access controls.
• Engage in market manipulation, wash trading, or activities intended to artificially affect the price or market perception of any digital asset.
• Use bots, scraping, or automated means to access the Services in a manner that imposes an unreasonable load or violates robots exclusions or rate limits.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

User Content

If you submit, post, or otherwise provide content to the Services ("User Content"), you grant HWBTA a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, distribute, display, perform, and create derivative works from your User Content in connection with operating, improving, and promoting the Services. You represent and warrant that you own or have the necessary rights to grant this license and that your User Content does not violate any third-party rights or applicable law.

We may remove or disable access to any User Content that we believe violates these Terms or applicable law, in our sole discretion.

Intellectual Property

Ownership and License

The Services, including all content, text, graphics, logos, icons, images, audio, video, code, and other materials, are owned by HWBTA or our licensors and are protected by U.S. and international intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

Trademarks

All trademarks, service marks, and trade names displayed on the Services are the property of their respective owners. Nothing in the Services grants any license or right to use any trademark without prior written permission.

Copyright Complaints (DMCA)

HWBTA respects intellectual property rights. If you believe that content on the Services infringes your copyright, you may submit a notice pursuant to the Digital Millennium Copyright Act (DMCA) including: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification of the allegedly infringing material and its location; (4) your contact information; (5) a statement that you have a good-faith belief that the use is not authorized; and (6) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the copyright owner. Send notices to: Copyright Agent, HWBTA, 5215 Oakton St, Skokie, IL 60077, United States, or via email to [email protected].

Airdrops, Promotions, and Third-Party Offers

Airdrops and promotional offers referenced on the Services are typically provided by third parties that are not affiliated with HWBTA. Eligibility criteria, distributions, vesting schedules, and other terms are determined solely by the offering third party and may change without notice. HWBTA does not control and cannot guarantee the availability, accuracy, legality, performance, or outcome of any airdrop or promotion.

Participation in any airdrop or third-party offer is at your sole risk. You are responsible for conducting your own diligence and for safeguarding your private keys, seed phrases, and wallets. HWBTA will never request your private keys or seed phrase.

Financial, Legal, and Tax Disclaimers

All information provided through the Services is for informational and educational purposes only and does not constitute investment, financial, legal, or tax advice. You should not make financial or trading decisions based solely on the information provided by the Services. Consult qualified professionals for advice tailored to your situation.

You are solely responsible for understanding and fulfilling your tax obligations arising from your activities in the digital asset ecosystem, including any reporting requirements related to airdrops, staking, or other token distributions.

Accuracy of Information; No Endorsement

We strive to present accurate and timely information; however, we do not warrant the completeness, reliability, or accuracy of any content. Markets and protocols change rapidly, and errors may occur. Inclusion of any third-party information, product, or service does not constitute an endorsement or recommendation by HWBTA.

No Investment, Legal, or Tax Advice

The Services do not provide personalized or professional advice. Nothing on the Services should be interpreted as an offer, solicitation, or recommendation to buy, sell, or hold any securities, commodities, or digital assets.

Third-Party Services and Links

The Services may reference third-party websites, tools, protocols, wallets, or exchanges. HWBTA does not control, endorse, or assume responsibility for third-party services. Your use of third-party services is at your own risk and subject to the terms and policies of those third parties.

Compliance, Sanctions, and Restricted Jurisdictions

You agree to comply with all applicable laws, including anti-money laundering (AML), counter-terrorism financing (CTF), anti-corruption, and sanctions laws and regulations. You represent and warrant that you are not located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive U.S. sanctions, and that you are not a person or entity on any U.S. government restricted list.

Fees and Payment

Access to the Services is currently free of charge, unless otherwise stated. We reserve the right to introduce or modify fees for certain features in the future. Any fees, if applicable, will be disclosed prior to purchase and are non-refundable except as required by law.

Privacy

Your use of the Services is also subject to our privacy practices as described in our Privacy Policy, which explains how we collect, use, and disclose information. Where required by law, we will obtain your consent for certain data processing activities. Do not submit sensitive personal information unless requested and necessary for a disclosed purpose.

Electronic Communications and Consent to Notices

By using the Services, you consent to receive communications from us electronically, including notices, disclosures, and updates. We may provide notices by posting them on the Services or by sending them to the email address you provide. You agree that all electronic communications satisfy any legal requirements that such communications be in writing.

Changes to the Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time without liability. We may update these Terms from time to time. Changes will be effective when posted to the Services or when we otherwise notify you. Your continued use of the Services after the effective date of changes constitutes acceptance of the updated Terms.

Termination and Suspension

We may suspend or terminate your access to the Services, in whole or in part, at any time for any reason or no reason, including for violation of these Terms. Upon termination, your right to use the Services will cease immediately, but provisions that by their nature should survive will remain in effect, including intellectual property, disclaimers, limitations of liability, indemnification, arbitration, and miscellaneous provisions.

Disclaimer of Warranties

The Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that any defects will be corrected.

Limitation of Liability

To the fullest extent permitted by law, in no event will HWBTA, its owner, affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or related to your use of or inability to use the Services, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, even if advised of the possibility of such damages.

To the fullest extent permitted by law, HWBTA’s total liability for any claims arising out of or related to the Services will not exceed one hundred U.S. dollars (US$100) or the amount you paid to HWBTA for the Services in the twelve (12) months preceding the event giving rise to liability, whichever is greater. Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless HWBTA, its owner, affiliates, licensors, and service providers from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Services, your User Content, or your violation of these Terms or applicable law.

Arbitration Agreement and Class Action Waiver

Except for disputes that qualify for small claims court and certain claims for injunctive or equitable relief, you and HWBTA agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration on an individual basis under the Federal Arbitration Act. Arbitration shall take place in Cook County, Illinois. You and HWBTA waive the right to a trial by jury and to participate in a class action, class arbitration, or representative action.

Opt-Out: You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by sending a written notice stating your full name, mailing address, and request to opt out to HWBTA, 5215 Oakton St, Skokie, IL 60077, United States, and via email to [email protected]. Your opt-out will not affect other provisions of these Terms.

Governing Law and Venue

These Terms and any dispute arising out of or related to them or the Services are governed by the laws of the State of Illinois and the United States of America, without regard to conflict of laws principles. Subject to the arbitration agreement above, the exclusive venue for any permitted court action shall be the state and federal courts located in Cook County, Illinois, and you consent to personal jurisdiction in such courts.

Export Compliance

You may not use or access the Services if doing so violates U.S. export control laws or regulations. You agree not to export, re-export, or transfer any portion of the Services in violation of such laws.

Children’s Online Privacy Protection

The Services are not directed to or intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided personal information through the Services, please contact us so that we may take appropriate steps.

Accessibility

We strive to make the Services accessible and usable. If you encounter accessibility barriers, please contact us and describe the issue so we can work to address it.

Contact Information

Owner and Operator: Brennan Lockridge

Postal Address: 5215 Oakton St, Skokie, IL 60077, United States

Email: [email protected]

Miscellaneous

These Terms constitute the entire agreement between you and HWBTA regarding the Services and supersede any prior or contemporaneous understandings. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect. Neither party’s failure to enforce any right shall be deemed a waiver of such right. You may not assign or transfer your rights or obligations under these Terms without our prior written consent; we may assign these Terms without restriction. These Terms do not create any third-party beneficiary rights.