THE BLOCK2LEARN AI AND AI ASSISTANT “THE BULLIONAIRE” TERMS OF USE & RISK DISCLOSURE

Effective Date: 31 August 2026

Last Updated: 31 August 2026

1. INTRODUCTION AND SCOPE

1.1 Purpose of these Terms

These Block2Learn AI and AI Assistant Terms of Use & Risk Disclosure establish the specific contractual, educational, technological, operational, data-related, intellectual property and risk-related rules governing access to and use of the Block2Learn artificial intelligence-powered assistant, the AI Assistant known as “The Bullionaire” (hereinafter referred to solely as “The Bullionaire”), within the Block2Learn Educational Ecosystem.

The purpose of these Terms is to define the nature of The Bullionaire, the purposes for which it is made available, the limitations applicable to its artificial intelligence functionality, the responsibilities assumed by Users, the conditions applicable to Inputs and Outputs, the rules governing access to Block2Learn Content, Portfolio Hub information and Learning Path resources, and the legal protections applicable to the continued operation, development and availability of the Service.

The Bullionaire is an artificial intelligence-powered educational assistant designed to support learning, financial literacy, market education, research interpretation, portfolio understanding, study activities, content discovery, information retrieval and navigation within the Block2Learn Platform.

The Bullionaire is not a human adviser, financial adviser, investment adviser, broker, dealer, portfolio manager, asset manager, wealth manager, fiduciary, accountant, tax adviser, lawyer, regulated professional or representative of any financial institution.

The Bullionaire does not provide regulated financial services, does not execute transactions, does not manage assets, does not transmit orders, does not exercise discretion over User portfolios and does not make financial decisions on behalf of Users.

These Terms are intended to ensure that Users clearly understand both the educational purpose of The Bullionaire and the technological, financial, operational and interpretative risks associated with the use of artificial intelligence-generated information.

1.2 Specific Supplemental Terms

These Terms constitute specific supplemental terms governing The Bullionaire.

They supplement and form an integral part of the broader Block2Learn legal framework, including the Block2Learn Terms of Service, Financial Disclaimer & Risk Disclosure, Account & Acceptable Use Policy, Portfolio Hub Terms, Data & Risk Disclosure, Learning Path Policy, Intellectual Property Policy, Privacy & Cookie Policy and any other legal document applicable to the User’s access to or use of the Platform.

Where a matter specifically concerning The Bullionaire is addressed in greater detail within these Terms, these Terms shall govern that specific matter, subject always to the Block2Learn Terms of Service and to mandatory provisions of applicable law.

These Terms do not replace the Block2Learn Terms of Service.

The Terms of Service remain the master agreement governing the entire Block2Learn ecosystem, while this document establishes the specific contractual rules applicable to The Bullionaire, its artificial intelligence functionality, its Inputs, its Outputs, its integrations, its access levels, its educational functions and its associated risks.

1.3 Relationship with the Block2Learn Legal Framework

The Bullionaire shall not be interpreted or used independently from the broader Block2Learn legal framework.

Access to and use of The Bullionaire are governed collectively by all applicable Block2Learn legal documents.

The Terms of Service govern the User’s general relationship with Block2Learn. The Account & Acceptable Use Policy governs account security, authorized use, prohibited conduct and enforcement. The Financial Disclaimer & Risk Disclosure governs the educational nature of financial, investment, trading and market-related information. The Portfolio Hub Terms govern Portfolio Data, analytics, scenarios, market data and portfolio-related functionality. The Learning Path Policy governs courses, educational progression, progress information and Learning Path resources. The Intellectual Property Policy governs ownership, licenses, restrictions and proprietary systems. The Privacy & Cookie Policy governs the processing of Personal Data and related technologies.

Where access to The Bullionaire is connected with a Membership, Subscription, course purchase, Digital Product, Paid Feature or promotional entitlement, the corresponding commercial and access policies shall also apply.

The User acknowledges that no single legal document governs the relationship between the User and Block2Learn in isolation.

The Block2Learn legal framework operates as an integrated contractual system in which each document regulates a particular area while remaining connected with and complementary to the others.

Where these Terms do not expressly address a matter, the applicable provisions of the broader Block2Learn legal framework shall continue to apply.

1.4 Scope of Application

These Terms apply to every individual or entity that opens, accesses, tests, configures, views, interacts with or otherwise uses The Bullionaire.

They apply regardless of whether the User is an unregistered visitor, a registered Free User, a purchaser of one or more Block2Learn courses, a Block2Learn Pro User, a recipient of promotional access or a User accessing the Service through any present or future Membership, Subscription, Digital Product or Platform entitlement.

These Terms apply to every current and future profile, model, reasoning mode, response mode, interface, integration, application, tool, report, export, conversation, analytical function and technological environment through which The Bullionaire may be delivered.

They apply to educational questions, financial questions, market analysis, portfolio interpretation, content retrieval, course support, navigation assistance, watchlists, reading lists, projects, saved analyses, alerts, reports, PDF exports, preferences, conversation history and all other current or future functionality associated with The Bullionaire.

1.5 Current and Future Functionality

The User acknowledges that The Bullionaire is an evolving artificial intelligence-powered educational service.

Its models, providers, system architecture, response profiles, reasoning modes, interfaces, access permissions, usage limits, retrieval systems, safety systems, data connections, supported languages, analytical capabilities, output formats and commercial structure may change over time.

Block2Learn may develop, introduce, modify, expand, reorganize, replace, restrict, suspend or discontinue functionality where reasonably necessary or appropriate for educational, operational, technological, security, legal, regulatory, commercial or strategic reasons.

Future functionality may include additional artificial intelligence models, educational tools, portfolio analytics, research integrations, personalized study functions, additional content sources, new reporting functions, collaborative features, voice functionality, additional applications or other technologies not currently available.

Unless expressly stated otherwise, all such future functionality shall automatically fall within the scope of these Terms.

The description of a possible, planned, experimental or future function does not constitute a promise, warranty or binding commitment that the function will be developed, released or permanently maintained.

1.6 Application to Free and Paid Access

These Terms apply whether The Bullionaire is provided free of charge, through a trial, through a purchased course, through a Membership or Subscription, as part of Block2Learn Pro or through another present or future commercial arrangement.

Free availability does not constitute a guarantee that The Bullionaire, any access level or any particular function will remain free indefinitely.

Block2Learn may introduce or modify usage limits, processing limits, access levels, response profiles, premium functionality, storage limits, model availability or other commercial distinctions.

No User shall be charged merely because a previously free function becomes subject to payment. Any new charge shall require a separate affirmative purchase, activation or commercial acceptance process.

Where access is provided through a paid Membership, Subscription or product, the applicable price, duration, renewal, cancellation, refund and access conditions shall be governed by the corresponding Block2Learn commercial policies.

1.7 Acceptance of these Terms

By opening, accessing, testing, configuring, submitting an Input to, receiving an Output from, exporting content from or otherwise using The Bullionaire, the User acknowledges having had a reasonable opportunity to review these Terms.

Use of The Bullionaire constitutes acceptance of these Terms and of the applicable Block2Learn legal framework.

Block2Learn may require express electronic acceptance through a checkbox, acknowledgement field, first-use notice, activation screen, account prompt or similar electronic mechanism.

Where express acceptance is required, the User may be prevented from accessing or continuing to use The Bullionaire until the required acknowledgement has been completed.

Electronic acceptance may be recorded together with information reasonably necessary to document the acceptance event, including the User account, applicable document version, date, time and relevant technical record.

A User who does not agree with these Terms must not access or use The Bullionaire.

1.8 Mandatory Rights and Legal Limitations

Nothing in these Terms is intended to exclude, restrict, waive or limit any right, protection, remedy or liability that cannot lawfully be excluded, restricted, waived or limited under mandatory applicable law.

Where a provision conflicts with a mandatory legal requirement, that requirement shall prevail only to the extent legally required.

All remaining provisions shall continue in full force and effect.

Every disclaimer, limitation, exclusion, allocation of responsibility and contractual protection established by these Terms shall apply to the maximum extent permitted by applicable law.

1.9 International Access and Local Compliance

The Bullionaire is operated as part of the Block2Learn Platform from Italy and may be accessible to Users located in multiple jurisdictions.

Block2Learn makes no representation that The Bullionaire, its functionality, terminology, content, Outputs or educational applications are lawful, appropriate or suitable for every jurisdiction.

The User is responsible for determining whether access to and use of The Bullionaire are lawful in the User’s location and personal circumstances.

The User remains responsible for complying with all laws, regulations, sanctions, tax obligations, professional restrictions, financial rules, market conduct requirements and data protection obligations applicable to the User.

International access shall not alter the governing law, official language or jurisdiction provisions established by the Block2Learn legal framework.

1.10 Interpretation and Hierarchy

These Terms shall be interpreted consistently with the Block2Learn Terms of Service and the broader Block2Learn legal framework.

Where reasonably possible, all applicable documents shall be interpreted harmoniously.

Mandatory provisions of applicable law shall prevail where legally required. The Terms of Service shall remain the master agreement governing the Platform. These Terms shall govern matters specifically concerning The Bullionaire. Other applicable policies shall govern the subject matters specifically assigned to them.

Product descriptions, support communications, marketing materials, public statements, demonstrations, social media posts and informal explanations shall not override the applicable legal framework.

Headings are included for convenience and shall not limit the interpretation of any provision. References to examples, functions or categories are illustrative and shall not restrict the broader scope of these Terms.

2. DEFINITIONS

2.1 Block2Learn

“Block2Learn” means the Block2Learn educational platform, its current operator and any future company, affiliate, subsidiary, successor, assignee, purchaser, licensee, authorized operator or other lawful entity that may own, operate, manage, acquire, license or otherwise assume responsibility for the Platform or any portion thereof.

References to “Block2Learn,” “we,” “us” or “our” shall be interpreted consistently with the definitions contained in the Block2Learn Terms of Service.

2.2 Platform

“Platform” means the Block2Learn website, account infrastructure, educational environment, Learning Path, Portfolio Hub, Framework systems, Dashboards, Research areas, software tools, applications, content, databases, technological systems, Membership areas, Subscription areas, communication systems and all current and future services made available through the Block2Learn ecosystem.

2.3 The Bullionaire

“The Bullionaire” means the artificial intelligence-powered Block2Learn educational assistant and all associated interfaces, applications, models, providers, retrieval systems, prompts, instructions, contextual systems, analytical functions, navigation functions, reporting functions, safety mechanisms and related technologies.

The definition includes all current and future versions, profiles, processing modes, reasoning modes, interfaces and technological implementations through which the assistant may be delivered.

2.4 Artificial Intelligence System

“Artificial Intelligence System” means the machine-based and software-based systems used to generate explanations, classifications, predictions, summaries, comparisons, analyses, calculations, scenarios, recommendations of educational resources, text or other Outputs from Inputs and available contextual information.

2.5 User

“User” means any visitor, registered individual, Member, Subscriber, course purchaser, Customer or other person or entity accessing, testing, configuring, viewing, interacting with or otherwise using The Bullionaire.

2.6 Account

“Account” means the personal Block2Learn account, profile, access credential system or authenticated environment through which a User may access The Bullionaire and related Platform functionality.

An Account remains personal, limited, revocable and non-transferable unless expressly stated otherwise by Block2Learn.

2.7 Input

“Input” means any question, prompt, command, instruction, text, document, data, preference, feedback, portfolio information, watchlist information, course-related request or other material submitted by or made available on behalf of the User for processing through The Bullionaire.

2.8 Output

“Output” means any answer, summary, explanation, comparison, calculation, scenario, analysis, quiz, exercise, plan, navigation action, citation, suggested content, report, PDF, generated document or other material produced by or through The Bullionaire.

2.9 Conversation

“Conversation” means any sequence of Inputs and Outputs occurring through The Bullionaire, whether maintained temporarily, stored locally, reopened, exported, assigned to a project or otherwise organized through available functionality.

2.10 User Data

“User Data” means information submitted, entered, selected, imported, retrieved or otherwise made available in connection with the User’s use of The Bullionaire.

User Data may include conversation content, preferences, account information, Learning Path information, Portfolio Data, watchlists, reading lists, projects, saved analyses and other information associated with the User.

2.11 Portfolio Data

“Portfolio Data” means holdings, positions, transactions, allocations, wallet addresses, market values, goals, liabilities, watchlists, performance information, notes, manually entered information and any other information associated with Portfolio Hub functionality.

2.12 Local Data

“Local Data” means information stored primarily within the User’s browser or device, which may include conversation history, projects, preferences, saved analyses, reading lists, interests, alerts and interface settings.

2.13 Protected Content

“Protected Content” means any Block2Learn article, Research, newsletter, course, lesson, guide, Framework resource, analytical material, software output or other content subject to intellectual property protection, access restrictions, Membership rights, Subscription rights or product-specific entitlements.

2.14 Report or Export

“Report” or “Export” means any copied conversation, downloaded file, printed page, PDF, screenshot, saved analysis or other reproduction created from or through The Bullionaire.

2.15 Third-Party Provider

“Third-Party Provider” means any external provider of artificial intelligence models, hosting, infrastructure, authentication, market data, analytics, security, content delivery or other technical services used in connection with The Bullionaire.

2.16 Access Level

“Access Level” means the collection of functions, content permissions, processing capabilities and usage limits assigned to a User according to account status, Membership, Subscription, course ownership, promotional entitlement or other authorization established by Block2Learn.

3. ARTIFICIAL INTELLIGENCE NATURE AND TRANSPARENCY

3.1 Artificial Intelligence Disclosure

The User is expressly informed that The Bullionaire is an artificial intelligence system.

The User is not communicating exclusively with a human being when interacting with The Bullionaire.

The Bullionaire may use automated systems to interpret Inputs, retrieve information, select context, generate reasoning, formulate responses, perform calculations, produce summaries and create other Outputs.

3.2 No Human Identity

The Bullionaire is not a natural person and shall not be interpreted as an employee personally communicating with the User, a licensed professional, a human tutor assigned to the User, a financial expert responsible for the User, an authorized representative of a financial institution or a person capable of assuming professional or fiduciary responsibility.

The use of conversational language, first-person expressions, personality, tone, confidence, apparent empathy, visual identity or human-like interaction does not alter the artificial nature of the system.

3.3 Automated Generation

Unless expressly stated otherwise, Outputs are generated automatically and are not individually reviewed, approved, certified or verified by a human before being displayed to the User.

The presence of detailed reasoning, technical terminology, professional formatting, citations, Block2Learn branding or a generated PDF shall not be interpreted as evidence that an Output has received human, professional, legal, financial or regulatory review.

3.4 No Human Judgment

The Bullionaire does not possess consciousness, intention, belief, personal experience, emotional understanding or independent professional judgment.

Any language suggesting certainty, preference, concern, confidence or personal opinion is part of the generated conversational format and shall not be interpreted as a human assessment.

3.5 AI-Generated Content

The User must not intentionally misrepresent an Output as independently researched, exclusively human-authored, professionally reviewed, certified or approved where such representation would be false or misleading.

Where an Output is published, distributed or used in a context in which its artificial intelligence origin is material, the User is responsible for providing any disclosure required by applicable law.

The User shall not remove, obscure or alter artificial intelligence disclosures, warnings, labels, metadata or risk notices for fraudulent or deceptive purposes.

4. EDUCATIONAL, INFORMATIONAL AND SUPPORTIVE NATURE

4.1 Educational Purpose

The Bullionaire is designed to support financial education, investment education, economic and market education, cryptocurrency education, analytical learning, research interpretation, portfolio understanding, course participation and structured navigation within the Block2Learn Platform.

The Bullionaire may explain concepts, describe analytical methods, summarize authorized materials, identify relevant factors, compare educational scenarios, assist with study activities and help Users organize information.

These functions remain educational and informational in nature.

4.2 Informational Purpose

The Bullionaire may provide general information concerning markets, financial instruments, crypto-assets, portfolio concepts, economic conditions, risk, performance, taxation, regulation or other subjects.

The provision of information does not constitute a determination of what a particular User should do.

The fact that information may be adapted to the User’s language, level, interests, course history, watchlist or Portfolio Data does not automatically transform the information into professional advice.

4.3 Supportive Purpose

The Bullionaire may support the User’s independent understanding and decision-making process by organizing information, explaining terminology, identifying assumptions or presenting alternative educational perspectives.

The Bullionaire does not replace the User’s judgment and does not assume responsibility for decisions made by the User.

4.4 Methodology Rather Than Decisions

The Bullionaire may describe analytical frameworks, risk factors, scenario methods, portfolio metrics and decision-making principles.

Such information is intended to demonstrate methodology rather than dictate conclusions.

The User remains responsible for determining whether, how and to what extent any educational method is relevant to the User’s circumstances.

4.5 No Regulated Financial Service

The Bullionaire does not provide regulated financial services.

Block2Learn does not act through The Bullionaire as an investment firm, broker, dealer, exchange, custodian, portfolio manager, asset manager, wealth manager, financial planner, investment adviser or other regulated financial intermediary.

4.6 No Professional Relationship

Use of The Bullionaire does not create a professional, fiduciary, advisory, agency, trustee, accountant-client, lawyer-client or other regulated relationship between the User and Block2Learn.

No Output creates a duty of care equivalent to that owed by a licensed professional acting under a professional engagement.

4.7 Educational Purpose Prevails

Where any ambiguity exists concerning the nature of an Output or function, the interpretation most consistent with the educational, informational and supportive purpose of The Bullionaire shall prevail to the maximum extent permitted by applicable law.

5. GENERAL FUNCTIONALITY

5.1 Educational Questions and Explanations

The Bullionaire may respond to questions concerning economics, finance, investments, financial markets, portfolio construction, risk, cryptocurrencies, blockchain, trading concepts, research and related Block2Learn educational subjects.

The Bullionaire may adapt the length, structure, tone, language and complexity of a response according to available preferences and the apparent level of the User.

Such adaptation is intended to improve educational usability and does not constitute a professional evaluation of the User’s competence, financial experience or suitability.

5.2 Response Profiles and Processing Modes

The Bullionaire may offer different response profiles, reasoning modes, processing levels or performance configurations.

Different profiles or modes may use different models, context limits, processing methods, response lengths or computational resources and may therefore produce different Outputs from the same or similar Input.

No particular profile or processing mode guarantees greater accuracy, completeness, reliability or suitability.

5.3 Conversational Context

The Bullionaire may maintain contextual information within a Conversation in order to generate more coherent responses.

Conversational context may be incomplete, may be lost, may be incorrectly interpreted or may include assumptions derived from previous Inputs.

The User is responsible for correcting misunderstandings and restating material information where necessary.

5.4 Language Functions

The Bullionaire may respond in the language used by the User or in another selected language.

Translations and multilingual responses may contain grammatical, terminological, legal, financial or substantive errors.

Where accuracy is material, the User must consult the authoritative original-language source.

5.5 Navigation Functions

The Bullionaire may identify, suggest or open Block2Learn pages, articles, Research, Portfolio Hub, Learning Path, courses or other authorized Platform areas.

Opening or identifying a page does not establish that the User possesses the right to access all content contained within that page.

5.6 Export and Reporting Functions

The Bullionaire may allow Users to copy, export, print or save Conversations and Outputs, including through PDF functionality.

Such functions are provided for personal educational convenience and remain subject to the limitations established in these Terms.

5.7 Interface and Accessibility Functions

The Bullionaire may be available in lateral, full-screen, desktop, tablet or mobile formats and may include light and dark themes, text-size preferences, animations, accessibility settings and automatic interface adaptation.

Block2Learn does not guarantee identical functionality, presentation or performance across all devices, browsers or screen configurations.

6. ACCESS LEVELS AND PERMISSIONS

6.1 Permission-Based Access

Access to The Bullionaire may depend upon account status, Membership, Subscription, course ownership, promotional entitlement, technical availability and other conditions established by Block2Learn.

The Bullionaire may verify applicable permissions before retrieving Protected Content, Portfolio Data, Learning Path information or other account-specific resources.

Access rights remain personal, limited, conditional, revocable and non-transferable.

6.2 Visitors

An unregistered visitor may be permitted to open The Bullionaire, submit a limited number of trial questions, receive basic educational explanations, search public Block2Learn content and receive navigation assistance concerning public areas of the Platform.

The number of trial questions, available profiles, response limits and public functions may be modified, restricted or discontinued.

Trial access does not create a permanent entitlement and must not be circumvented through multiple identities, devices, sessions, accounts or technical methods.

6.3 Registered Free Users

A registered Free User may access the functions expressly assigned to the applicable Free Access Level.

Such functions may include educational responses, access to permitted registered content, authorized Research and Market Focus materials, read-only Portfolio Hub information, Learning Path progress information, assistance concerning purchased courses, local organizational functions, conversation exports and contextual educational suggestions.

The availability of a function at one time does not guarantee that the function will remain available in the same form indefinitely.

6.4 Users With Purchased Courses

A User who has purchased a Block2Learn course may receive assistance concerning the content of that course, subject to the Learning Path Policy and applicable access conditions.

Course-related assistance may include explanations, reviews, quizzes, exercises, summaries, study plans and support in resuming authorized learning activities.

The purchase of a course does not automatically grant access to Block2Learn Pro functionality and does not grant access to other courses not purchased by the User.

6.5 Block2Learn Pro Users

A Block2Learn Pro User may receive access to advanced functions assigned to the Pro Access Level.

Such functions may include advanced portfolio analytics, volatility and drawdown analysis, concentration and diversification analysis, correlations, contribution-to-risk analysis, exposure analysis, educational stress tests, read-only what-if simulations, scenario comparisons, benchmark comparisons, performance attribution, customized reports, Pro Research summaries, synchronized watchlists, advanced alerts, projects, saved analyses and advanced course tutoring.

The actual availability of advanced functions depends upon data availability, technical capacity, model availability, account permissions, applicable Subscription conditions and the current configuration of the Platform.

6.6 No Expansion of Entitlements Through Output

The Bullionaire cannot independently create, modify, restore, extend or transfer an access right.

An incorrect Output suggesting that a User possesses a particular Membership, Subscription, course or entitlement does not create that entitlement.

Official account, purchase and Membership records shall determine the User’s actual access rights.

6.7 Separation of Access Levels

The Bullionaire may maintain distinctions between visitor, Free, course-specific and Pro functionality.

A course purchase does not create Pro rights. A Pro Subscription does not automatically create ownership of separately sold courses. Free registration does not create access to Protected Content.

The User must not attempt to defeat these distinctions through prompts, technical manipulation, account sharing, content extraction or other circumvention methods.

7. BLOCK2LEARN CONTENT ACCESS

7.1 Authorized Content Retrieval

Subject to permissions and technical availability, The Bullionaire may search, retrieve, organize, summarize and explain Block2Learn articles, Research, newsletters, course materials and other authorized content.

Content access remains limited to materials that are public or available under the User’s current entitlements.

7.2 No Guaranteed Retrieval

The Bullionaire does not guarantee that every relevant Block2Learn resource will be indexed, discovered, retrieved, opened or correctly summarized.

Search and retrieval systems may omit materials, select incomplete context, retrieve outdated versions or fail to identify the most relevant resource.

7.3 Protected Content

Protected Content remains subject to the applicable access conditions and intellectual property protections regardless of whether it is displayed directly, summarized or referenced by The Bullionaire.

The generation of a summary does not grant the User the right to reproduce, redistribute, commercialize, reconstruct or otherwise exploit the underlying Protected Content.

7.4 Content Suggestions

The Bullionaire may recommend that the User read a particular Block2Learn article, Research item, course, lesson or other educational resource.

A content suggestion is a navigation and educational recommendation and does not constitute an investment recommendation, product suitability assessment or guarantee of educational results.

7.5 Canonical Content

Where an Output conflicts with an official Block2Learn article, course, guide, policy, Research publication or other canonical Platform resource, the canonical resource shall prevail.

The User must consult the original material before relying on an AI-generated explanation or summary.

7.6 No Unauthorized Unlocking

The Bullionaire does not unlock or grant access to content not owned or authorized for the User.

Attempts to obtain Protected Content through prompt manipulation, indirect requests, progressive extraction, reconstruction, system circumvention or similar methods are prohibited.

8. PORTFOLIO HUB FUNCTIONS

8.1 Relationship with the Portfolio Hub Terms

All Portfolio Hub information accessed, displayed, interpreted or used through The Bullionaire remains governed by the Portfolio Hub Terms, Data & Risk Disclosure.

These Terms supplement those Portfolio Hub Terms by establishing the additional limitations applicable when Portfolio Data is interpreted or processed through artificial intelligence.

8.2 Read-Only Nature

Portfolio Hub access through The Bullionaire is read-only unless Block2Learn expressly introduces and separately governs additional functionality in the future.

The Bullionaire does not modify portfolios, positions, transactions, watchlists, goals, liabilities, account permissions or official Platform records.

It does not place or transmit orders, purchase or sell assets, rebalance portfolios, transfer funds, sign transactions, connect to wallets for transaction execution, exercise custody or control financial accounts.

8.3 Portfolio Interpretation

The Bullionaire may describe portfolios, positions, allocation, concentration, diversification, performance, goals and other available Portfolio Data in natural language.

The use of personal Portfolio Data or personalized language does not create a professional portfolio review, suitability assessment, appropriateness assessment, regulated personal recommendation or portfolio management service.

8.4 No Personalized Investment Recommendation

The Bullionaire is not authorized to instruct a User personally to buy, sell, hold, trade, stake, lend, borrow, leverage, hedge or allocate capital to a particular asset, security, crypto-asset, financial instrument or strategy.

It is not authorized to prescribe a personalized target allocation or transaction based upon the User’s Portfolio Data, age, financial position, objectives, knowledge, experience, risk tolerance or personal circumstances.

Where an Output appears to contain such a direction, the User must treat the Output as an erroneous and unauthorized AI-generated response, must not rely upon it and should independently verify the matter through an appropriately qualified professional.

8.5 No Suitability or Appropriateness Assessment

The Bullionaire does not collect, verify or evaluate all information required to perform a regulated suitability or appropriateness assessment.

It does not determine whether a financial instrument, crypto-asset, transaction, strategy, risk level or portfolio structure is suitable or appropriate for the User.

No reference to risk tolerance, objectives, time horizon or personal preferences shall be interpreted as a completed professional assessment.

8.6 Portfolio Data Limitations

Portfolio Data may be incomplete, inaccurate, outdated, duplicated, incorrectly classified, manually entered, based on delayed information or affected by unsupported assets, missing transactions, incorrect wallet addresses, currency conversions, fees, taxes, corporate actions or other factors.

The Bullionaire does not independently verify ownership, control, authenticity, completeness, source of funds, net worth, solvency or the economic reality represented by Portfolio Data.

8.7 Market Data

Prices and market information used within Portfolio-related Outputs may be current, near real-time, delayed, cached, estimated, incomplete, incorrect or obtained from independent Third-Party Providers.

Displayed prices are not executable prices and may differ materially from prices available through an exchange, broker, trading venue or liquidity provider.

The User must independently verify all market data before making any financial decision.

8.8 Analytics and Metrics

The Bullionaire may explain or process metrics relating to performance, allocation, concentration, diversification, volatility, drawdown, correlation, benchmark comparison, attribution or contribution to risk.

Such metrics are mathematical and educational representations that depend upon the underlying data, time period, currency, benchmark, methodology, frequency, assumptions and calculation rules.

No metric guarantees future performance, future risk, diversification, capital preservation or achievement of any financial objective.

8.9 Correlation and Diversification

Correlation and diversification information may change materially over time and under different market conditions.

Historical correlation does not guarantee future correlation. Apparent diversification does not guarantee protection against loss, liquidity events, systemic risk or simultaneous market declines.

8.10 Performance and Attribution

Performance and attribution information may not fully account for taxes, fees, transaction costs, timing differences, deposits, withdrawals, illiquid assets, missing transactions or currency effects.

Such information is not an audited performance record and must not be represented as verified investment performance.

8.11 Scenarios and What-If Simulations

The Bullionaire may generate or explain educational scenarios, stress tests and read-only what-if simulations.

Every scenario is hypothetical and dependent upon assumptions. It is not a forecast, prediction, probability assessment, expected return or guarantee.

Labels such as conservative, intermediate, expansionary, adverse, optimistic or similar are educational labels and do not constitute standardized regulatory classifications.

8.12 Goals and Liabilities

The Bullionaire may explain available goals, liabilities, contribution assumptions, deadlines or related Portfolio Hub information.

Such functionality does not constitute financial planning, debt advice, retirement advice, pension advice, budgeting certification or professional cash-flow analysis.

The User remains responsible for verifying obligations, payment dates, amounts, contractual terms and financial commitments through official records.

8.13 No Continuous Monitoring

The Bullionaire does not continuously monitor the User’s Portfolio, markets, obligations, deadlines, risks, wallet addresses or financial circumstances.

No duty to warn, intervene, update, rebalance, prevent loss or notify the User of a relevant event is created.

9. LEARNING PATH AND COURSE FUNCTIONS

9.1 Relationship with the Learning Path Policy

All Learning Path, course, progress and certificate functionality accessed through The Bullionaire remains governed by the Learning Path Policy.

These Terms establish the additional limitations applicable to artificial intelligence-generated explanations and educational support.

9.2 Course Assistance

The Bullionaire may explain authorized course content, answer study questions, generate quizzes, prepare reviews, create exercises and assist the User in organizing a study plan.

Such functions are intended to support learning and do not replace the original course materials, instructional sequence or independent study responsibilities of the User.

9.3 Access Restrictions

The Bullionaire may provide course-related assistance only where the User possesses the required access entitlement.

Ownership of one course does not authorize access to another course. Free registration does not authorize access to paid Learning Path materials. A Pro Subscription does not automatically create ownership of separately sold educational products.

9.4 Progress Information

The Bullionaire may display or explain available learning progress, recent activity, completion information, medals or certificates.

Progress information may be delayed, incomplete or affected by technical synchronization errors.

An Output does not modify official progress records or create a completion status, medal or certificate.

9.5 No Academic or Professional Accreditation

Explanations, quizzes, exercises, progress records, medals and certificates associated with The Bullionaire or the Learning Path do not constitute academic accreditation, professional licensing, regulatory authorization, employment qualification or proof of professional competence unless expressly stated otherwise in an authorized Block2Learn document.

9.6 Educational Output Errors

AI-generated explanations may misunderstand, simplify, distort or incorrectly summarize course content.

Where an Output conflicts with canonical course material, the canonical course material shall control.

9.7 No Guaranteed Educational Outcome

Use of The Bullionaire does not guarantee mastery, competence, course completion, examination success, professional development, improved performance or any other educational result.

The User remains responsible for active study, independent verification and application of knowledge.

10. ORGANIZATIONAL AND LOCAL FUNCTIONS

10.1 Conversations

The Bullionaire may allow Users to create, reopen, continue, search, organize or delete Conversations.

Conversation history is an organizational convenience and is not an official educational, financial, legal or accounting record.

10.2 Projects and Saved Analyses

The Bullionaire may allow Users to organize Conversations or Outputs into projects, folders, pinned items or saved analyses.

The existence of a project or saved analysis does not create professional status, certification, verification or permanent storage rights.

10.3 Reading Lists and Watchlists

The Bullionaire may allow Users to create reading lists, watchlists or collections of interests.

The inclusion of a subject, asset or resource in a reading list or watchlist does not constitute endorsement, recommendation or a determination that the item is suitable for the User.

10.4 Local Preferences

Preferences concerning language, response length, tone, format, teaching mode, knowledge level, appearance and interface behavior may be stored locally on the User’s device.

Such preferences may be lost, reset, unavailable or incorrectly applied.

10.5 Local Storage

Where the Platform identifies Conversations, projects, preferences, interests or saved resources as local, such information may be stored primarily within the User’s browser or device.

Local storage does not mean that no information is transmitted for the purpose of generating Outputs, operating the Service, enforcing security or complying with legal obligations.

10.6 Loss of Local Data

Local Data may be lost when the User clears browser storage, removes site data, changes browser or device, uses private browsing, reinstalls software, activates device-cleaning tools, resets the assistant or experiences device failure.

Block2Learn does not guarantee restoration, synchronization or recovery of Local Data.

10.7 User Backup Responsibility

Where information is important to the User, the User is responsible for creating and securely retaining an independent copy through available export or other lawful methods.

11. AI OUTPUT LIMITATIONS

11.1 Possibility of Error

The User acknowledges that artificial intelligence systems may generate inaccurate, incomplete, outdated, misleading, inconsistent or entirely fabricated information.

An Output may appear plausible, coherent and professionally written while being materially incorrect.

11.2 Hallucinations

The Bullionaire may generate names, dates, events, quotations, citations, calculations, legal rules, market data, sources or factual statements that do not exist or do not correspond to reality.

The User must not assume that a detailed or confidently expressed Output is accurate.

11.3 Non-Deterministic Outputs

The same or similar Input may generate different Outputs at different times or through different models, profiles, reasoning modes, devices or system configurations.

A previous Output does not guarantee that a future Output will be identical or consistent.

11.4 Calculation Errors

The Bullionaire may make arithmetic, statistical, financial, percentage, unit-conversion, currency, time-zone, date, valuation or methodological errors.

Calculations must be independently verified before being used.

11.5 Context Errors

The Bullionaire may misunderstand the User’s question, omit relevant facts, apply the wrong context, confuse assets, combine unrelated information or continue using an assumption that the User intended to replace.

The User is responsible for correcting misunderstandings and clarifying material facts.

11.6 Bias and Incomplete Representation

Outputs may reflect limitations or biases present in the model, source data, retrieved materials, system design or User Inputs.

The Bullionaire may present one interpretation without identifying every reasonable alternative interpretation.

11.7 Apparent Confidence and Precision

Confident language, numerical precision, detailed explanations, charts, tables, structured reasoning or professional formatting do not establish accuracy or reliability.

The User must evaluate the substance of the Output rather than its presentation.

11.8 Incomplete Personal Circumstances

The Bullionaire does not possess a complete, current and professionally verified understanding of the User’s finances, obligations, experience, knowledge, risk capacity, family circumstances, tax position, legal position or personal objectives.

No Output should be interpreted as having considered every circumstance relevant to a material decision.

11.9 No Duty to Correct Previous Outputs

Block2Learn may correct known errors, update systems or modify methodologies but does not undertake a continuous duty to identify, recall, update or notify Users concerning every inaccurate or outdated Output previously generated.

11.10 Independent Verification

The User must independently verify every fact, calculation, market value, source, citation, legal statement, tax statement, portfolio metric, assumption and material conclusion before relying upon it.

12. SOURCES, CITATIONS AND TIME-SENSITIVE INFORMATION

12.1 Source Retrieval

The Bullionaire may retrieve information from Block2Learn Content, available Platform data and authorized external or Third-Party Sources.

Retrieval systems may fail to identify the most recent, complete or relevant source.

12.2 Summaries

A summary may omit context, qualifications, methodology, limitations, risk disclosures, amendments or subsequent corrections.

The User must review the original source where accuracy or completeness is material.

12.3 Citations and Links

Citations, publication titles, authors, dates, quotations and links may be inaccurate, mismatched, unavailable or fabricated.

The appearance of a citation does not establish that the cited source supports the corresponding Output.

The User must independently open and verify every material citation.

12.4 External Content

The inclusion of external information or a link does not constitute adoption, verification, sponsorship or endorsement by Block2Learn.

External content remains governed by the terms, rights, risks and privacy practices of the relevant third party.

12.5 Time-Sensitive Information

Market, economic, financial, regulatory, tax, legal, product and Platform information may change rapidly.

The Bullionaire does not guarantee that an Output reflects the latest available information at the time it is displayed.

12.6 Research and Market Commentary

Research, technical analysis, fundamental analysis, macroeconomic analysis and market commentary retrieved or summarized through The Bullionaire remain educational materials.

They may contain opinions, assumptions, interpretations and uncertainty and shall not be treated as predictions or guarantees.

12.7 Translation of Sources

Translations may alter legal, technical, financial or contextual meaning.

Where an original source exists in another language, the User must consult that original source before relying on the translated Output.

13. INPUTS AND USER RESPONSIBILITY

13.1 Accuracy of Inputs

The User is responsible for the truthfulness, accuracy, completeness, relevance and lawfulness of every Input.

Block2Learn is not responsible for consequences arising from false, incomplete, outdated, misleading or incorrectly entered information.

13.2 Rights to Submitted Material

The User represents and warrants that the User possesses all rights, permissions, authorizations and lawful bases required to submit and process each Input.

The User must not submit material that infringes intellectual property, confidentiality, privacy, data protection or other rights belonging to third parties.

13.3 Third-Party Information

The User must not submit another person’s personal, financial, portfolio, confidential, professional or proprietary information without lawful authority.

The fact that information is accessible to the User does not automatically authorize the User to process that information through The Bullionaire.

13.4 Data Minimization

The User should provide only the minimum information reasonably necessary for the relevant educational request.

The User should avoid including unnecessary identification information, account details, financial records, confidential correspondence or other sensitive material in an Input.

13.5 Sensitive Information

The Bullionaire is not intended to receive identity documents, tax identification numbers, complete payment-card information, bank credentials, medical information, biometric information, information concerning children, precise location information, special-category Personal Data, confidential employer information, client information or trade secrets.

The User remains responsible for any sensitive information voluntarily submitted.

13.6 Secret Credentials

The User must never submit passwords, private keys, seed phrases, recovery phrases, one-time authentication codes, API secrets, exchange credentials, wallet-signing requests or payment credentials.

The Bullionaire does not require private keys or seed phrases in order to provide its authorized functions.

13.7 Material Non-Public Information

The User must not submit, disclose, analyze or exploit material non-public information, inside information or information obtained in breach of a legal, contractual, fiduciary or professional duty.

13.8 Prompt Responsibility

The User remains responsible for prompts designed to generate unlawful, infringing, deceptive, harmful, abusive or professionally misleading material.

An Output generated in response to an unlawful Input does not transfer responsibility for the User’s conduct to Block2Learn.

14. PRIVACY AND DATA PROCESSING

14.1 Relationship with the Privacy & Cookie Policy

Personal Data processing associated with The Bullionaire is governed by the Block2Learn Privacy & Cookie Policy and applicable data protection law.

These Terms do not replace the Privacy & Cookie Policy.

14.2 Processing of Inputs and Context

In order to generate an Output, Inputs and relevant contextual information may be transmitted to Block2Learn systems and authorized Third-Party Providers.

Depending upon the requested function, contextual information may include conversation messages, account status, access permissions, selected preferences, authorized Block2Learn Content, Learning Path information and authorized Portfolio Data.

14.3 Purpose Limitation

User Data shall be processed for the purposes and under the legal bases described in the applicable Privacy & Cookie Policy.

The existence of a technical capability shall not authorize processing for an unrelated purpose.

14.4 Local and Remote Processing

Certain information may be stored locally on the User’s device, while other information may require remote processing through Block2Learn or Third-Party Provider infrastructure.

The designation of Conversation history or preferences as local does not imply that the User’s active message is never transmitted for response generation.

14.5 Deletion Distinctions

Deleting a local Conversation, project, preference or saved resource may remove the copy stored in the User’s browser or device.

Such deletion may not automatically erase security logs, legal acceptance records, operational records, provider records, backups or other information lawfully retained under the Privacy & Cookie Policy.

14.6 Portfolio Data Processing

Where the User requests Portfolio-related analysis, relevant Portfolio Data may be processed as contextual information for the purpose of generating the requested Output.

The User should avoid including unnecessary personal or confidential information in Portfolio descriptions, notes, labels or other fields.

14.7 Third-Party Providers

The Bullionaire may rely upon Third-Party Providers for artificial intelligence processing, infrastructure, hosting, market data, analytics, security or other technical functions.

The applicable Privacy & Cookie Policy shall govern the disclosure of relevant providers, processing purposes and safeguards.

14.8 International Data Transfers

Where processing involves a country outside the European Economic Area, applicable transfer mechanisms and safeguards shall apply as required by law and as described in the Privacy & Cookie Policy.

14.9 No Absolute Confidentiality

No internet-based or artificial intelligence service can guarantee absolute security, confidentiality, availability or immunity from unauthorized access.

The User must not treat The Bullionaire as a password manager, secure vault, legally privileged communication channel or confidential professional consultation.

14.10 Technical and Security Information

Block2Learn may process technical, usage and security information where reasonably necessary to operate the Service, prevent fraud, detect abuse, enforce access restrictions, protect intellectual property, investigate security events, comply with legal obligations and establish or defend legal claims.

Such processing remains subject to applicable law and the Privacy & Cookie Policy.

15. REPORTS, PDFS AND EXPORTS

15.1 Personal Educational Convenience

Reports, copied Conversations, printed pages and PDF exports are provided solely for personal educational, organizational and informational convenience.

The ability to generate an Export does not alter the nature of the underlying Output.

15.2 No Official or Professional Status

An Export is not an audited report, financial statement, professional valuation, suitability report, accounting record, tax record, regulatory filing, proof of ownership, proof of funds, proof of solvency, certified financial plan or authenticated legal document.

15.3 No Human Certification

The presence of Block2Learn branding, logos, professional formatting or a structured report layout does not indicate that the Report has been reviewed, approved, signed or certified by Block2Learn or by any professional.

15.4 Formatting and Completeness

Exports may be truncated, reformatted, incomplete, incorrectly paginated or different from the original Conversation.

The User must verify that the Export accurately reflects the information the User intends to retain or share.

15.5 User Modification

Reports, screenshots and copied Outputs may be modified after generation.

Block2Learn does not guarantee that a copy presented by a User or third party is complete, authentic or unaltered.

15.6 Sharing Responsibility

The User is responsible for securing exported files, protecting Personal Data and Portfolio Data, obtaining required permissions, complying with intellectual property and privacy law, providing required artificial intelligence disclosures and preventing misleading third-party reliance.

15.7 Prohibited Misrepresentation

The User must not present an Export as personalized advice issued by Block2Learn, a regulated investment report, a professional valuation, an official Block2Learn investment recommendation, evidence of guaranteed returns or a document approved by a regulator.

16. ALERTS, WATCHLISTS AND NOTIFICATIONS

16.1 Educational and Organizational Nature

Alerts, watchlists and notifications are educational and organizational functions.

They are not transaction signals, monitoring services, suitability assessments or investment recommendations.

16.2 No Endorsement

The inclusion, display or monitoring of an asset, subject, Research item or market event does not constitute endorsement or approval by Block2Learn.

16.3 Delivery Limitations

Alerts and notifications may be delayed, duplicated, incomplete, inaccurate, blocked, unavailable or not delivered.

The User remains responsible for independently monitoring any matter relevant to the User.

16.4 No Monitoring Duty

Block2Learn assumes no duty to monitor an asset, market condition, portfolio event, payment deadline, liability, threshold or risk continuously.

16.5 No Reliance for Time-Sensitive Decisions

The User must not rely exclusively upon The Bullionaire for trading decisions, financial obligations, margin requirements, tax deadlines, legal deadlines or other time-sensitive matters.

17. NO FINANCIAL OR PROFESSIONAL ADVICE

17.1 No Financial Advice

No Output constitutes financial advice.

General discussion of financial concepts, objectives, risks, planning methods or portfolio information does not create a financial advisory relationship.

17.2 No Investment Advice

No Output constitutes investment advice or a personal recommendation concerning a financial instrument, security, crypto-asset, portfolio, transaction or strategy.

17.3 No Trading Advice

No Output constitutes a trading signal, entry instruction, exit instruction, stop-loss instruction, take-profit instruction, leverage recommendation, market-timing direction or position-sizing instruction.

17.4 No Portfolio Management

The Bullionaire does not exercise discretion or authority over assets and does not manage, rebalance or monitor portfolios on behalf of Users.

17.5 No Asset or Wealth Management

The Bullionaire does not provide asset management, wealth management, discretionary management or fiduciary investment services.

17.6 No Financial Planning

Goals, projections, contribution assumptions, scenarios and portfolio information do not constitute a professional financial plan.

17.7 No Tax Advice

The Bullionaire does not determine tax liability, tax treatment, filing requirements, cost basis, deductions, reporting obligations or jurisdiction-specific tax consequences.

17.8 No Accounting Advice

The Bullionaire does not create, verify or certify accounting records, financial statements or accounting classifications.

17.9 No Legal or Regulatory Advice

The Bullionaire does not provide legal, regulatory, licensing, sanctions, anti-money-laundering, market conduct or compliance advice.

17.10 No Fiduciary Duty

No fiduciary, best-interest, advisory or continuing monitoring duty is created by access to or use of The Bullionaire.

17.11 Independent Professional Advice

The User should obtain advice from appropriately qualified and authorized professionals before making material financial, investment, tax, legal, accounting or business decisions.

18. USER DECISIONS AND ASSUMPTION OF RISK

18.1 Independent Judgment

The User must exercise independent judgment and must not delegate material decisions to The Bullionaire.

18.2 Personal Responsibility

Every action taken after receiving an Output remains a voluntary decision of the User.

The User remains solely responsible for evaluating whether information is accurate, relevant and appropriate for the User’s circumstances.

18.3 Financial Risk

Investments, trading, crypto-assets, financial instruments, leverage, lending, staking and other market activities involve the risk of partial or total loss.

Educational participation and artificial intelligence assistance do not eliminate such risk.

18.4 No Guaranteed Outcomes

Block2Learn does not guarantee profits, returns, capital preservation, loss prevention, goal achievement, successful trading, improved portfolio performance, tax outcomes, professional competence or educational results.

18.5 Reliance Risk

The User assumes the risk that an Output may be incorrect, incomplete, delayed, unsuitable for the intended purpose or misunderstood.

18.6 No Transfer of Responsibility

The User may not transfer responsibility for a financial, investment, trading, legal, tax, business or personal decision to The Bullionaire merely because the decision was influenced by an Output.

19. PROHIBITED USES AND PLATFORM INTEGRITY

19.1 General Prohibition

The User must not use The Bullionaire in any unlawful, fraudulent, abusive, deceptive, infringing, harmful or unauthorized manner.

19.2 Access Circumvention

The User must not bypass or attempt to bypass account requirements, access permissions, Membership restrictions, Subscription restrictions, course ownership, usage limits, model limits, rate limits or other technical controls.

19.3 Prompt Injection and Safeguard Circumvention

The User must not use prompt injection, jailbreak techniques, hidden instructions, encoded requests, progressive extraction or other methods intended to defeat safety systems, reveal confidential instructions or obtain unauthorized functionality.

19.4 System Prompt Extraction

The User must not attempt to discover, reconstruct, reproduce or disclose system prompts, hidden instructions, routing logic, retrieval architecture, access-control logic, safety mechanisms or other confidential technical information.

19.5 Scraping and Automated Extraction

The User must not scrape, crawl, harvest, systematically copy or automatically extract Inputs, Outputs, Block2Learn Content, course content, Portfolio Hub data, system responses or other Platform information without prior written authorization.

19.6 Reverse Engineering

The User must not reverse engineer, decompile, disassemble, probe, analyze or attempt to reconstruct The Bullionaire, its software, models, workflows, security systems, interfaces or technical architecture.

19.7 Excessive or Disruptive Use

The User must not submit excessive, repetitive, automated or technically disruptive requests that interfere with service availability, consume unreasonable resources or degrade access for other Users.

19.8 Unauthorized Commercial Use

The User must not resell, sublicense, commercially redistribute or provide third-party access to The Bullionaire without prior written authorization.

19.9 Account Sharing

The User must not share credentials, transfer access or permit unauthorized persons to use the User’s Account.

19.10 Competitive Replication and AI Training

The User must not use The Bullionaire, its Outputs, Protected Content or proprietary systems to train, fine-tune, benchmark, distil, evaluate or improve a competing artificial intelligence system, dataset, educational platform, research service or commercial product.

19.11 Fraud and Impersonation

The User must not use The Bullionaire to commit fraud, impersonate another person, impersonate Block2Learn, create false professional credentials, produce deceptive reports or misrepresent financial performance.

19.12 Harmful and Unlawful Content

The User must not use The Bullionaire to generate malware, phishing material, credential theft, threats, harassment, unlawful discrimination, defamation or other harmful or illegal content.

20. FINANCIAL MARKET INTEGRITY AND UNLAWFUL FINANCIAL ACTIVITY

20.1 Market Manipulation

The Bullionaire must not be used to coordinate, facilitate, promote or conceal pump-and-dump schemes, wash trading, spoofing, false rumors, deceptive promotions or other forms of market manipulation.

20.2 Inside Information

The Bullionaire must not be used to analyze, disclose, exploit or trade upon information that the User knows or reasonably should know constitutes inside information, material non-public information or information obtained in breach of a legal or professional duty.

20.3 Fraudulent Financial Activity

The Bullionaire must not be used to facilitate theft, fraud, money laundering, sanctions evasion, tax evasion, concealment of assets, false source-of-funds representations or other unlawful financial activity.

20.4 Unauthorized Financial Services

The User must not use Outputs to provide financial, investment, trading, portfolio management or other regulated services without the authorization required by applicable law.

20.5 Publication of Market-Related Outputs

A User who publishes or distributes an Output concerning financial instruments, crypto-assets, issuers, strategies or markets remains responsible for complying with all applicable laws governing investment recommendations, advertising, financial promotions, conflicts of interest and market abuse.

20.6 Conflicts of Interest

The User remains responsible for disclosing any financial interest, compensation, sponsorship, position or conflict of interest where required by law.

The generation of an Output does not satisfy the User’s disclosure obligations.

21. SECURITY AND ACCOUNT PROTECTION

21.1 Account Security

The User is responsible for maintaining the confidentiality and security of Account credentials, authentication methods, devices and browser sessions.

21.2 Device Security

The User is responsible for securing any device used to access The Bullionaire and for preventing unauthorized access to Conversations, Portfolio Data, Reports and Local Data.

21.3 Shared and Public Devices

Users should not retain sensitive Conversations or Portfolio information on shared or public devices.

The User should close sessions, remove local data and take other appropriate precautions where a device may be accessed by another person.

21.4 Phishing and Impersonation

The User must remain alert to phishing, fraudulent websites, impersonation attempts and false requests for credentials.

Block2Learn shall not be responsible for credentials voluntarily disclosed to an unauthorized third party.

21.5 Security Testing

The User must not test, probe, scan, exploit or publicize suspected vulnerabilities without prior written authorization.

A good-faith security report does not authorize unauthorized access, extraction or interference.

21.6 Security Reports

Suspected vulnerabilities, unauthorized access or Account compromise should be reported promptly through the official communication channels published by Block2Learn.

Security reports must not contain seed phrases, private keys, passwords or other secret credentials.

21.7 Protective Restrictions

Block2Learn may temporarily restrict access, require verification, invalidate sessions or take other reasonable protective measures where suspicious activity, fraud, abuse or security risk is detected.

22. INTELLECTUAL PROPERTY

22.1 Relationship with the Intellectual Property Policy

The Bullionaire and all associated intellectual property are governed by the Block2Learn Intellectual Property Policy.

The protections established in this Section are cumulative and do not limit protections established elsewhere within the Block2Learn legal framework.

22.2 Ownership of The Bullionaire

The Bullionaire, its name, character identity, visual representation, branding, interface, software, source code, prompts, hidden instructions, workflows, retrieval architecture, model-routing logic, analytical methodologies, reports, templates, databases, integrations, safety systems and future developments are owned by or licensed to Block2Learn.

22.3 Limited User License

Block2Learn grants the User a limited, revocable, non-exclusive, non-transferable and non-commercial license to access and use The Bullionaire for authorized personal educational purposes.

No ownership right is transferred to the User.

22.4 User Inputs

The User retains any rights lawfully held in original Inputs.

The User grants Block2Learn and its authorized providers the rights reasonably necessary to host, transmit, reproduce, format and process Inputs for the operation, security and lawful administration of the Service.

22.5 Output Rights

To the extent Block2Learn owns enforceable rights in a particular Output, the User may copy or export that Output for authorized personal educational use, subject to these Terms.

Block2Learn does not represent that every Output is eligible for copyright protection or exclusive ownership.

The same or similar Output may be generated for other Users.

22.6 Embedded Rights

An Output may contain, summarize or refer to Block2Learn Content, third-party content, trademarks, data or other protected material.

The generation of an Output does not transfer rights in the underlying material.

22.7 No Commercial Exploitation

Without prior written authorization, the User must not sell, license, publish as a paid product, commercially redistribute or incorporate The Bullionaire, its Outputs or Protected Content into a competing course, publication, research service, software tool, database or artificial intelligence system.

22.8 No Systematic Reconstruction

The ability to copy or export individual Conversations does not authorize systematic extraction, bulk reproduction or reconstruction of Block2Learn’s educational architecture, knowledge systems, proprietary methodologies or protected content collections.

22.9 Feedback

Where the User voluntarily provides suggestions, ideas or product feedback, Block2Learn may use that feedback to develop, improve or modify the Platform without obligation to compensate the User, subject to applicable law and without acquiring ownership of Private Portfolio Data merely because feedback is provided.

23. THIRD-PARTY SERVICES AND TECHNOLOGIES

23.1 External Dependencies

The Bullionaire may depend upon artificial intelligence providers, hosting services, market-data providers, authentication systems, plugins, content delivery systems, security services and other external technologies.

23.2 Independent Providers

Third-Party Providers operate independently and may maintain their own terms, privacy practices, service limits, technical requirements and operational standards.

23.3 Third-Party Failure

Provider interruptions, restrictions, errors or discontinuation may result in unavailable functions, delayed responses, changed Outputs, data gaps, reduced processing capacity, model replacement or permanent discontinuation of functionality.

23.4 No Permanent Provider Guarantee

Block2Learn does not guarantee continued use or availability of any specific model, provider, data source, infrastructure component or technology.

23.5 Provider Replacement

Block2Learn may replace, add or remove models and providers for educational, technical, security, legal, quality, commercial or operational reasons.

A provider replacement may change response style, capacity, functionality, latency or Output characteristics.

23.6 Third-Party Terms

Where the User is directed to an external website or service, the User is responsible for reviewing and complying with the applicable third-party terms and privacy practices.

24. SERVICE AVAILABILITY, MODIFICATION AND DISCONTINUATION

24.1 Evolving Digital Service

The Bullionaire is an evolving digital service and may include experimental, beta, developing or recently introduced functionality.

24.2 No Continuous Availability

Block2Learn does not guarantee uninterrupted or error-free access.

The Service may be interrupted by maintenance, capacity limits, rate limits, security events, model outages, provider failures, software errors, internet failures or other circumstances.

24.3 Device and Browser Compatibility

Certain profiles, reasoning modes, interfaces or advanced functions may not be available or suitable on every device, browser, operating system or connection.

24.4 Automatic Performance Adaptation

The Bullionaire may automatically modify response length, model selection, processing mode, interface behavior or available functionality based upon device capacity, account level, system availability or operational conditions.

24.5 Modification of Functions

Block2Learn may modify available models, response profiles, usage limits, Portfolio Hub integrations, Learning Path integrations, storage methods, export formats, access requirements, analytical methodologies and interface design.

24.6 Temporary Suspension

Functionality may be suspended temporarily for maintenance, security, investigation, legal compliance, provider migration or other operational reasons.

24.7 Discontinuation

Block2Learn may discontinue The Bullionaire or an individual function where reasonably necessary, subject to applicable law and any mandatory rights associated with paid access.

24.8 No Permanent Storage Obligation

Block2Learn does not guarantee permanent preservation of Conversations, Reports, projects, saved analyses, preferences or Local Data.

The User remains responsible for retaining personal copies where necessary.

25. MONITORING, INVESTIGATION AND ENFORCEMENT

25.1 Monitoring Rights

To the extent permitted by applicable law and described in the Privacy & Cookie Policy, Block2Learn may use automated or human review mechanisms to detect fraud, security threats, excessive use, access circumvention, unlawful conduct and intellectual property abuse.

25.2 No General Monitoring Obligation

The ability to monitor certain activity does not create a general obligation to review every Input, Output, Conversation or User activity.

25.3 Investigation Rights

Block2Learn may investigate suspected violations and may request reasonable information, verification or cooperation from the User.

25.4 Protective Measures

Where reasonably necessary, Block2Learn may refuse an Input, limit an Output, impose rate limits, restrict functionality, require verification, preserve relevant evidence, suspend access, terminate access or report unlawful conduct to competent authorities.

25.5 Immediate Action

Immediate protective action may be taken where reasonably necessary to address security, fraud, legal, regulatory, intellectual property, privacy, financial integrity or user-safety risks.

25.6 Confidentiality of Security Measures

Block2Learn is not required to disclose confidential detection methods, system prompts, safeguards, investigation procedures or information that could compromise Platform security or facilitate future abuse.

25.7 Suspension for Breach

Access may be suspended where the User violates these Terms, another Block2Learn policy, applicable law, access restrictions, payment obligations or security requirements.

25.8 Termination

Block2Learn may terminate access for serious, fraudulent, unlawful or repeated violations, subject to applicable law and applicable commercial terms.

25.9 Consequences of Enforcement

Suspension or termination may result in loss of access to The Bullionaire, Conversations, projects, Reports, saved analyses and other related functionality.

The User remains responsible for obligations and violations arising before suspension or termination.

25.10 No Automatic Refund

To the extent permitted by applicable law and applicable commercial policies, suspension or termination resulting from the User’s breach does not create an automatic refund right.

26. WARRANTIES AND DISCLAIMERS

26.1 Provision of the Service

To the maximum extent permitted by applicable law, The Bullionaire is provided on an “as is” and “as available” basis.

26.2 No Express or Implied Warranties

Block2Learn does not warrant the accuracy, completeness, timeliness, reliability, availability, merchantability, fitness for a particular purpose, non-infringement, compatibility, uninterrupted operation or error-free operation of The Bullionaire.

26.3 No Warranty of Output Accuracy

Block2Learn does not warrant that an Output is correct, complete, current, unbiased, suitable, lawful in every jurisdiction or appropriate for any specific purpose.

26.4 No Warranty of Data Accuracy

Block2Learn does not warrant that Portfolio Data, market data, account information, progress information, source material or other contextual information is accurate, complete, synchronized or current.

26.5 No Warranty of Professional Fitness

The Bullionaire is not warranted as suitable for professional financial analysis, regulated activity, legal practice, tax preparation, accounting, auditing, compliance, investment management or other professional use.

26.6 No Warranty Created by Support

Support communications, demonstrations, marketing materials, examples, public statements or informal explanations do not create a warranty unless expressly incorporated into an authorized binding agreement.

26.7 Mandatory Rights Preserved

Nothing in these Terms excludes warranties, rights or remedies that cannot lawfully be excluded.

27. LIMITATION OF LIABILITY

27.1 General Limitation

To the maximum extent permitted by applicable law, Block2Learn and its affiliates, licensors, providers, contractors, successors and representatives shall not be liable for any loss, damage, liability, cost or consequence arising from access to or use of The Bullionaire, inability to access the Service, reliance upon an Output, inaccurate information, fabricated information, calculation errors, portfolio errors, market-data errors, service interruption, data loss, provider failure or User misuse.

27.2 User Decisions

Block2Learn shall not be liable for decisions made by the User in reliance upon or with reference to an Output.

All financial, investment, trading, tax, legal, accounting, business and personal decisions remain the responsibility of the User.

27.3 Financial Losses

To the maximum extent permitted by law, Block2Learn shall not be liable for investment losses, trading losses, loss of capital, liquidation, lost profits, lost opportunities, slippage, taxes, penalties, interest, financing costs, adverse portfolio outcomes or failure to achieve a financial objective.

27.4 Data and Calculation Errors

Block2Learn shall not be liable for consequences arising from incorrect, incomplete, outdated or missing Portfolio Data, market data, calculations, scenarios, assumptions, correlations, benchmarks, performance metrics or risk indicators.

27.5 Missed Alerts and Deadlines

Block2Learn shall not be liable for a missed, delayed, inaccurate or undelivered alert, notification, deadline reminder or monitoring event.

27.6 Third-Party Services

Block2Learn shall not be liable for losses caused by independent Third-Party Providers, external links, market-data providers, hosting providers, artificial intelligence providers, internet services or other external systems beyond its reasonable control.

27.7 Excluded Damages

To the maximum extent permitted by applicable law, Block2Learn shall not be liable for indirect, incidental, consequential, special, exemplary or punitive damages, loss of revenue, loss of business, loss of opportunity, reputational harm, emotional distress, business interruption or loss of data.

27.8 Aggregate Liability Cap

To the maximum extent permitted by applicable law, the aggregate liability of Block2Learn arising from or relating to The Bullionaire shall not exceed the amount actually paid by the User during the twelve months preceding the event giving rise to the claim for the Membership, Subscription or product materially granting access to the relevant function.

Where the User has paid no amount for the relevant access, liability shall be limited to the maximum extent permitted by applicable law.

27.9 Multiple Claims

The liability cap shall apply collectively to all claims, causes of action and legal theories arising from the same or related events.

27.10 Mandatory Liability

Nothing in these Terms excludes liability for fraud, wilful misconduct, death, personal injury or any liability that cannot lawfully be excluded or limited.

Any limitation concerning gross negligence shall apply only to the extent permitted by applicable law.

27.11 Essential Allocation of Risk

The User acknowledges that the availability, free access conditions and pricing of The Bullionaire are established in reliance upon the educational classification, risk allocation, disclaimers and liability limitations contained in these Terms.

28. USER INDEMNIFICATION

28.1 Indemnification Obligation

To the maximum extent lawfully enforceable, particularly where the User acts for business or professional purposes, the User agrees to defend, indemnify and hold harmless Block2Learn and its affiliates, licensors, providers, contractors, successors and representatives from claims, proceedings, liabilities, losses, penalties, damages, costs and reasonable legal expenses arising from the User’s breach of these Terms, unlawful use of The Bullionaire, infringement of third-party rights or misuse of Outputs.

28.2 Covered Conduct

Indemnification may apply to unauthorized submission of personal or confidential information, fraudulent or misleading publication of Outputs, unauthorized financial services, market manipulation, intellectual property infringement, security attacks, account sharing, commercial redistribution, professional misrepresentation and third-party reliance caused by the User’s conduct.

28.3 Third-Party Claims

The User shall be responsible for third-party claims arising from material that the User submits, publishes, distributes or represents through use of The Bullionaire.

28.4 Cooperation and Defense

Block2Learn may assume control of the defense or settlement of a matter subject to indemnification.

The User shall cooperate reasonably and shall not settle a claim in a manner affecting Block2Learn without prior written consent.

28.5 Consumer Rights

No indemnification provision shall restrict mandatory consumer rights or impose an obligation prohibited by applicable law.

28.6 Survival

Indemnification obligations shall survive suspension, termination, deletion of data and cessation of the User’s relationship with Block2Learn to the extent permitted by law.

29. FORCE MAJEURE

29.1 Events Beyond Reasonable Control

Block2Learn shall not be responsible for delay, failure, interruption, degradation, suspension or inability to perform caused by events beyond its reasonable control.

29.2 Illustrative Events

Such events may include natural disasters, war, terrorism, civil unrest, governmental action, sanctions, regulatory changes, labor disputes, pandemics, public emergencies, power failures, internet failures, telecommunications failures, cyberattacks, hosting failures, provider outages, market-data failures, software vulnerabilities and infrastructure disruption.

29.3 Artificial Intelligence and Provider Events

Force majeure may include interruption, restriction, degradation, withdrawal or discontinuation of artificial intelligence models, model providers, cloud infrastructure, authentication systems or other essential technical services.

29.4 Effect on Performance

Block2Learn may suspend, delay, restrict, modify or discontinue affected functionality for the duration of the event and for a reasonable recovery period.

29.5 Data Consequences

Force majeure events may result in data delay, incomplete synchronization, loss of Local Data, inability to export, provider replacement or permanent discontinuation of functionality.

29.6 Mandatory Rights

Nothing in this Section excludes rights or liabilities that cannot lawfully be excluded.

30. MODIFICATIONS TO THESE TERMS

30.1 Right to Amend

Block2Learn may amend, update, replace, supplement or revise these Terms to reflect legal, regulatory, technical, educational, security, operational, commercial or product developments.

30.2 Effective Date

Updated Terms shall become effective on the date stated in the revised document or on another date communicated by Block2Learn.

30.3 Notice of Material Changes

Where required by law or reasonably appropriate, Block2Learn may provide notice of material changes through email, Account notifications, Platform notices, The Bullionaire interface or other electronic methods.

30.4 Continued Use

Continued use following the effective date of revised Terms may constitute acceptance where permitted by applicable law.

30.5 Renewed Express Acceptance

Block2Learn may require the User to provide renewed electronic acceptance before continued access is permitted.

30.6 Rejection of Changes

A User who does not accept revised Terms must discontinue use of The Bullionaire.

Mandatory rights concerning existing paid services remain preserved.

30.7 Historical Versions

Block2Learn may retain prior versions for legal, evidentiary, administrative or operational purposes but is not required to make every historical version publicly available indefinitely.

30.8 No Informal Modification

Support communications, social media statements, marketing materials and informal explanations do not modify these Terms unless expressly incorporated into an authorized legal document.

31. GOVERNING LAW, JURISDICTION AND FINAL PROVISIONS

31.1 Governing Law

These Terms and all matters arising from or relating to The Bullionaire shall be governed by the laws of Italy, subject to mandatory protections that may apply to consumers under applicable law.

A consumer shall not be deprived of mandatory protections available under the law of the consumer’s habitual residence where such protections apply.

31.2 Jurisdiction

Disputes shall be subject to the jurisdiction provisions established in the Block2Learn Terms of Service.

Nothing in these Terms deprives a consumer of a mandatory forum that cannot lawfully be waived.

For Users acting for business or professional purposes, the courts of Rome, Italy shall have exclusive jurisdiction to the maximum extent permitted by law.

31.3 Official Language

The official and legally controlling language of these Terms is English.

Any translation is provided solely for convenience and informational purposes.

Where an inconsistency, ambiguity, omission, browser translation error, machine translation error or artificial intelligence translation error exists, the English version shall prevail, except where mandatory law requires otherwise.

31.4 Entire The Bullionaire Agreement

These Terms, together with all incorporated Block2Learn legal documents, constitute the complete legal framework governing The Bullionaire.

31.5 Incorporation by Reference

The Block2Learn Terms of Service, Account & Acceptable Use Policy, Financial Disclaimer & Risk Disclosure, Portfolio Hub Terms, Learning Path Policy, Intellectual Property Policy, Privacy & Cookie Policy and applicable commercial policies are incorporated by reference.

31.6 Severability

If any provision is determined to be invalid, unlawful or unenforceable, it shall be interpreted, modified or limited only to the minimum extent necessary.

All remaining provisions shall continue in full force and effect.

31.7 No Waiver

Failure by Block2Learn to enforce a provision does not constitute a waiver.

Any waiver must be expressly made in writing by an authorized representative.

31.8 Assignment

Block2Learn may assign, transfer, delegate, novate, license or otherwise transfer these Terms and related rights or obligations to an affiliate, successor, purchaser or authorized operator, subject to applicable law.

The User may not assign or transfer access or contractual rights without prior written authorization.

31.9 Corporate Transition

A change in ownership, legal structure, operator, corporate form or business organization shall not affect the validity or continuity of these Terms.

31.10 Electronic Records

Electronic records relating to acceptance, access, account permissions, activity, security, support and legal notices may be retained and used as evidence to the extent permitted by applicable law.

31.11 Notices

Legal and administrative notices may be delivered electronically through email, Account notifications, Platform notices, The Bullionaire interface or other reasonable methods.

31.12 Contact Channels

Requests, complaints, privacy requests, security reports, legal notices and support inquiries must be submitted through the official contact channels published by Block2Learn.

Block2Learn does not guarantee a specific response or resolution time unless required by applicable law or expressly agreed in writing.

31.13 Survival

Provisions intended by their nature to survive shall remain effective following suspension, termination, deletion of data or cessation of use.

Such provisions include intellectual property protections, User responsibilities, prohibited use restrictions, financial disclaimers, liability limitations, indemnification, governing law, jurisdiction and evidentiary provisions.

31.14 Cumulative Protections

All rights, restrictions, disclaimers, limitations and remedies established by these Terms are cumulative and operate in addition to protections established elsewhere within the Block2Learn legal framework.

32. FINAL USER ACKNOWLEDGEMENT

32.1 Acknowledgement of Artificial Intelligence

The User acknowledges that The Bullionaire is an artificial intelligence system and that the User is not communicating exclusively with a human being.

32.2 Acknowledgement of Output Limitations

The User acknowledges that Outputs may be inaccurate, incomplete, outdated, inconsistent, misleading or fabricated and may not have been reviewed by a human.

32.3 Acknowledgement of Educational Purpose

The User acknowledges that The Bullionaire is provided for educational, informational, organizational and supportive purposes.

32.4 Acknowledgement of No Financial Services

The User acknowledges that The Bullionaire does not provide financial, investment, trading, portfolio management, asset management, wealth management, tax, legal, accounting or other regulated professional services.

32.5 Acknowledgement of No Execution

The User acknowledges that The Bullionaire does not execute transactions, transmit orders, manage assets, transfer funds, sign transactions or control wallets.

32.6 Acknowledgement of Portfolio Limitations

The User acknowledges that Portfolio Data, market data, analytics, calculations, scenarios and performance information may be incomplete, inaccurate, delayed or based upon assumptions.

32.7 Acknowledgement of Independent Verification

The User acknowledges the obligation to verify every material fact, calculation, source, citation, market value, legal statement, tax statement and analytical conclusion independently.

32.8 Acknowledgement of Personal Responsibility

The User acknowledges that all financial, investment, trading, legal, tax, business and personal decisions remain the sole responsibility of the User.

32.9 Acknowledgement of Access Restrictions

The User acknowledges that access remains subject to account status, Membership, Subscription, course ownership, permissions, usage limits and other conditions established by Block2Learn.

32.10 Acknowledgement of Intellectual Property

The User acknowledges that access to The Bullionaire does not transfer ownership of the assistant, its software, prompts, systems, Protected Content, methodologies or other Block2Learn intellectual property.

32.11 Acknowledgement of Prohibited Uses

The User acknowledges that fraudulent, abusive, unlawful, infringing, disruptive or unauthorized use may result in immediate restriction, suspension, termination, evidence preservation or other enforcement action.

32.12 Acceptance of the Integrated Legal Framework

By accessing or using The Bullionaire, the User confirms having read, understood and accepted these Terms together with the broader Block2Learn legal framework.

Use of The Bullionaire constitutes the User’s final acknowledgement that artificial intelligence cannot replace independent judgment, professional advice or personal responsibility.