1. Acceptance of Terms and Agreement

By accessing, browsing, or using BICIBCI's website, educational resources, consultation services, or any related materials (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree to abide by these Terms, you are prohibited from using or accessing our Services.

These Terms constitute a legally binding agreement between you and BICIBCI. Your continued use of our Services following any changes to these Terms will constitute your acceptance of such changes. We reserve the right to modify these Terms at any time, and such modifications will be effective immediately upon posting.

2. Educational Purpose and NFA Compliance

BICIBCI provides educational resources, research materials, and information about advanced asset custody methodologies and security practices. All content, materials, and services are provided strictly for educational and informational purposes only. Our educational content maintains strict compliance with National Futures Association (NFA) guidelines and regulatory requirements.

Nothing contained in our Services constitutes financial advice, investment recommendations, legal counsel, tax advice, or any form of professional advisory services. Users are strongly advised to consult with qualified professionals before making any decisions based on information obtained through our Services.

3. Intellectual Property Rights and License

All content, materials, and intellectual property contained within our Services, including but not limited to text, graphics, logos, images, audio clips, video content, software, and educational materials, are the exclusive property of BICIBCI or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial educational purposes only. This license does not permit you to:

• Modify, copy, distribute, transmit, display, reproduce, or create derivative works from our content
• Use our materials for any commercial purpose or for any public display without express written permission
• Attempt to reverse engineer, decompile, or disassemble any software or technology used in our Services
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from our materials
• Use our content in any manner that infringes upon our intellectual property rights or those of third parties

4. User Conduct and Prohibited Activities

When using our Services, you agree to conduct yourself in a professional and lawful manner. You are prohibited from engaging in any of the following activities:

• Violating any applicable local, state, national, or international laws or regulations
• Transmitting or posting any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Impersonating any person or entity or falsely stating or misrepresenting your affiliation with any person or entity
• Interfering with or disrupting our Services or servers or networks connected to our Services
• Attempting to gain unauthorized access to any portion of our Services, other accounts, computer systems, or networks
• Using our Services to transmit spam, chain letters, or other unsolicited communications
• Collecting or harvesting any personally identifiable information from our Services without express consent

5. Registration and Account Security

Certain features of our Services may require you to register for an account. When creating an account, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate accounts that violate these Terms or engage in suspicious or fraudulent activity.

6. Payment Terms and Refund Policy

Certain educational resources and consultation services may require payment. All fees are stated in the currency specified at the time of purchase and are non-refundable unless otherwise stated in writing. Payment processing is handled through secure third-party providers, and we do not store your payment information on our servers.

In the event of a billing dispute, you must contact us within thirty (30) days of the charge date. Failure to pay applicable fees may result in suspension or termination of your access to paid Services.

7. Disclaimers and Warranties

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, BICIBCI disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, or completeness of our content
• Warranties that our Services will be uninterrupted, secure, or error-free
• Warranties regarding the results that may be obtained from the use of our Services

We do not warrant that our Services will meet your requirements or that any defects will be corrected. Your use of our Services is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by applicable law, BICIBCI, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our Services.

In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you have paid to us in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

9. Indemnification

You agree to defend, indemnify, and hold harmless BICIBCI and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from:

• Your use of our Services or violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Any content you submit, post, or transmit through our Services
• Your violation of any applicable laws or regulations

10. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

11. Termination and Suspension

We reserve the right to terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use our Services will cease immediately, and you must discontinue all use of our materials.

Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Alberta, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Calgary, Alberta, Canada.

Before pursuing formal legal action, the parties agree to attempt to resolve any disputes through good faith negotiations. If such negotiations fail, disputes may be resolved through binding arbitration in accordance with the rules of the applicable arbitration association.

13. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect. These Terms, together with our Privacy Policy and any other legal notices published by us on our Services, constitute the entire agreement between you and BICIBCI concerning our Services.

14. Contact Information

If you have any questions, concerns, or disputes regarding these Terms of Service, please contact us:

We will make reasonable efforts to respond to your inquiries promptly and work with you to resolve any issues or concerns.