Disclosures & Risk Warnings

This page sets out the legal, financial, and risk disclosures that apply to all content on arcrypto.io. By using this site you acknowledge that you have read and understood these disclosures. They are written in plain language; please read them before acting on anything you find here.

1. Educational content only

All articles, term pages, courses, blueprints, videos, podcasts, social posts, and other content published by ARCrypto are for general educational and informational purposes. They are designed to help readers understand how digital assets and decentralized finance work as systems — not to recommend specific investments or strategies for any individual reader.

Nothing on this site constitutes:

• An offer or solicitation to buy, sell, or hold any security, token, asset, fund, or contract.
• Personalized investment advice tailored to your financial situation, goals, or risk tolerance.
• Legal advice, tax advice, accounting advice, or estate-planning advice.
• A recommendation that any particular strategy is suitable for you.

If you intend to act on something you have learned here, you should consult a qualified, licensed professional who is familiar with your specific circumstances.

2. Cryptocurrency and DeFi risk warning

Digital assets and decentralized finance carry risks that differ materially from traditional finance:

• Price volatility. Crypto assets can lose 50% or more of their value in days, and individual tokens can go to zero.
• Smart-contract risk. DeFi protocols are software. Software can have bugs, exploits, and oracle failures that result in total loss of deposited funds.
• Custody risk. Self-custody requires safe handling of private keys; loss of keys is final and unrecoverable. Custodial platforms can fail, freeze withdrawals, or be hacked.
• Liquidation risk. Crypto-collateralized loans can be force-liquidated when prices drop, often during periods of market stress when liquidity is poor.
• Regulatory risk. The legal status of specific tokens, protocols, and strategies varies by jurisdiction and changes regularly.
• Counterparty risk. Exchanges, lenders, and bridges can fail. Funds held at any third party may not be recoverable if that party becomes insolvent.
• Tax risk. Crypto tax treatment is complex and varies by jurisdiction. Many activities (swaps, yield, airdrops, hard forks) are taxable events even when no fiat is involved.

You should never put money into crypto that you cannot afford to lose entirely.

3. No professional relationship

Reading our content, downloading our Free DeFi Starter Blueprint, watching our videos, or joining our community does not create an adviser-client, attorney-client, accountant-client, or fiduciary relationship between you and ARC Educational LLC or any of its officers, employees, or contractors.

For one-on-one professional services — financial planning, tax preparation, legal opinions, regulated investment advice — you must engage a properly licensed professional. ARCrypto can help you understand the landscape, but we do not replace your CPA, attorney, or financial adviser.

4. Affiliate and referral disclosures

Some links on this site are affiliate or referral links. When you click an affiliate link and subsequently sign up for or transact on the destination platform, ARC Educational LLC may receive a referral fee, a percentage of the platform’s revenue from your activity, or a one-time payment. This compensation does not change the price you pay.

We disclose this relationship in two places:

• At the article level, in a visible note where an affiliate link is used.
• Site-wide, on this page.

Affiliate compensation does not influence editorial coverage. We do not write favorable reviews of products in exchange for affiliate fees. Our Editorial Standards page details how we maintain editorial independence.

5. We do not accept paid coverage

ARCrypto does not publish sponsored articles, sponsored reviews, sponsored ARCipedia term pages, or any other paid editorial content. We do not accept payment in exchange for favorable coverage of a token, protocol, exchange, or any other product. We do not sell placement in our newsletter, our Free Blueprint, or our course curriculum.

If a project, exchange, or platform has paid us for any service, the only place that relationship can appear is as a disclosed affiliate link (above) or as a clearly-labeled partnership in a specific deliverable. It cannot appear as editorial coverage that looks organic.

6. Forward-looking statements

Articles and analyses on this site sometimes describe scenarios, projections, model outcomes, or hypothetical strategies. These are illustrative. They are not forecasts and not guarantees. Real-world results may be materially different. Where we present numerical projections (e.g., “12-month outcome at +40% BTC”), the assumptions underlying the projection are stated in the same article.

7. Past performance is not predictive

Any reference to past returns, past protocol performance, past tax outcomes, or historical price action is for context only. It is not a prediction of future performance. Crypto markets in particular have a short, highly volatile history and historical data carries less predictive weight than in traditional markets.

8. Jurisdiction and eligibility

ARCrypto content is written from the perspective of US-based readers, with notes added for non-US jurisdictions where we have direct knowledge. The legal, tax, and regulatory framework that applies to you depends on where you live, where you are tax-resident, and where you transact. We cannot determine that for you. You are responsible for your own compliance.

Certain strategies described in our content may be unavailable, restricted, or illegal in your jurisdiction. Some content discusses non-US tax-residency strategies (e.g., Puerto Rico Act 60, Portugal NHR, Dubai). These are presented for educational comparison only and are not advice to relocate.

9. Limitation of liability

To the maximum extent permitted by law, ARC Educational LLC, its officers, employees, contractors, and content contributors are not liable for any losses, damages, opportunity costs, tax penalties, or other consequences arising from your reliance on information published on arcrypto.io. Your use of this site is at your own risk.

10. Updates to this page

We review this page quarterly and update it when our practices change or when the regulatory landscape shifts in a way that affects how we should describe risks. The “Last updated” date at the top of this page reflects the most recent review.

Questions about a specific disclosure or a specific affiliate relationship? Email legal@arcrypto.io.