Terms of Service
Last updated: January 1, 2026
1. Acceptance of Terms
By accessing or using this website (the "Site") operated on behalf of Jerry Lopez ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Site. These Terms apply to visitors worldwide, including users in the United States, European Union, United Kingdom, and other jurisdictions.
2. Eligibility
You must be at least 16 years old (or the age of digital consent in your jurisdiction) to use the Site. By using the Site you represent that you meet this requirement and that your use complies with all applicable local, state, national, and international laws.
3. Intellectual Property
All content on the Site – including text, graphics, logos, images, video, and code – is owned by or licensed to Jerry Lopez and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, republish, or create derivative works without prior written consent, except for personal, non-commercial viewing.
4. No Financial, Legal, or Professional Advice
Content on the Site – including references to PhilSocial, Philcoin, Faithonomics, and related projects – is provided for informational and educational purposes only. Nothing on the Site constitutes financial, investment, tax, legal, or other professional advice. Digital assets and cryptocurrencies carry significant risk, including total loss. You are solely responsible for your own decisions and should consult qualified professionals before acting.
5. Third-Party Links and Services
The Site may link to third-party websites, products, or services (including press coverage, affiliated ecosystems, and social platforms). We do not control and are not responsible for the content, policies, or practices of any third party. Accessing third-party sites is at your own risk and subject to their terms.
6. Acceptable Use
You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to gain unauthorized access to any portion of the Site; (c) interfere with or disrupt the Site or its servers; (d) use automated means (bots, scrapers) to harvest content; or (e) transmit any malicious code.
7. Disclaimers
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. Some jurisdictions do not allow the exclusion of implied warranties; in such cases, exclusions apply to the fullest extent permitted by law.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JERRY LOPEZ OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. Our aggregate liability shall not exceed one hundred U.S. dollars (USD $100).
9. Indemnification
You agree to indemnify and hold harmless Jerry Lopez, affiliates, officers, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.
10. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles. Any dispute shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida, except where prohibited by mandatory local law (for example, consumer-protection rules in the EU/UK that entitle you to bring proceedings in your country of residence).
11. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last updated" date. Continued use of the Site after changes constitutes acceptance.
12. Contact
Questions about these Terms may be sent via the contact section on our homepage.