Terms and Conditions

The refund guarantee that applies to a purchase is the policy presented before that purchase. Earlier purchases retain their applicable terms.

Fundamental Secrets LLC, doing business as CoinPicks (“CoinPicks,” “Company,” “we,” “us,” or “our”), publishes information, analysis, education, and commentary focused primarily on blockchain technology, cryptocurrency, digital tokens, market trends, and research methods, and provides related software tools — including the AI-powered tools we call “AI Traders” and our on-site chat assistant and mini-app builder, “CoinPicks AI.” These Terms also cover CoinPicks AI, whose member experience currently remains a locked Draft.

These Terms and Conditions (“Terms”) govern your access to and use of coinpicks.app and any related websites, pages, communities, products, and services we operate (collectively, the “Website” or “Services”). By accessing or using the Website, you agree to be bound by these Terms on behalf of yourself and any entity you represent (“you”). If you do not agree, do not use the Website.

For help using the current website, visit Account & help. Website sign-in uses an email link or Google. Website purchases use Stripe Checkout. Manage payment details, invoices and cancellation for a Stripe subscription through Membership & billing. Existing subscriptions purchased through Skool remain managed through Skool. Signing out of this website does not cancel either subscription.

1. Educational Purpose — Not Financial Advice

The content CoinPicks produces is for educational and informational purposes only. It is not financial, investment, trading, legal, tax, or accounting advice, and it is not a recommendation, offer, or solicitation to buy, hold, or sell any security, token, cryptocurrency, or other asset.

CoinPicks does not provide individually tailored investment advice and does not consider your personal circumstances, objectives, or risk tolerance. CoinPicks is not registered as an investment adviser or broker-dealer with the U.S. Securities and Exchange Commission or with any state or other securities regulatory authority, and is neither licensed nor qualified to provide investment advice.

Any market commentary, research, “calls,” signals, watchlists, or examples we share — including in our private community, and including anything generated by or through our AI Traders or other software tools — are general educational content, not personalized recommendations. Cryptocurrency and digital assets are highly volatile and high-risk; you can lose some or all of your money. Never invest more than you can afford to lose. Always do your own research and consult a licensed financial, tax, or legal professional before making any financial decision. You are solely responsible for your own decisions and their outcomes.

2. Beacon, Legacy AI Traders, and Software Tools

CoinPicks Beacon — free research API. Free daily research for every signed-in CoinPicks member after completing the Autonomous Trader access form, with a private key for the official CoinPicks Autonomous Trader or your own tools. VIP adds hands-on setup, personal training and troubleshooting support. The official Autonomous Trader beta for Mac and Windows, Beacon daily research and basic setup instructions are free for signed-in members after completing the access form. The software runs on your own computer with your own permissions. The current Website edition supports optional Beacon research. The legacy Community edition excludes Beacon and retains its separate technical instructions. Paid Genesis provides self-paced training and community support; Premium adds live Q&A and research tools; VIP adds coaching and personal Autonomous Trader assistance. Automatic decisions use your chosen Codex or Claude Code subscription connection, the OpenAI API, the Anthropic API, or a custom OpenAI-compatible API. API keys are stored in your encrypted local vault and API usage is billed separately by your provider account. Setup checks your selected model before activation. It is separate from the private Autonomous Trader Lab and legacy AI Trader prompts. Its local automation is described below. Beacon is not a CoinPicks-managed trading account. The free research connection and official download are on the Autonomous Trader page. Free daily feed access does not require a paid Beacon allowance. Separately, the existing VIP credit accounting policy remains: every active VIP includes 125,000 Beacon credits each calendar month. One credit represents $0.01 of included CoinPicks API budget, using a $15,000 annual / $1,250 monthly basis inclusive of a 10% premium for future priced API operations. Credits refresh on the first at midnight America/New_York while VIP access is active; unused credits expire without rollover. The full September 2026 allowance begins September 25, with no allocation for earlier months. Beacon credits are not cash or Claude/OpenAI tokens. Current daily feed reads deduct 0 credits and retain their separate limit of 100 successful reads per day across a member’s keys. No priced API operations, automatic paid overages or credit top-ups are currently enabled; a future priced operation must disclose its cost and require sufficient credits before use.

The legacy “AI Traders” described in this section are written instruction sets (prompts) and configurations that you run inside a third-party artificial-intelligence assistant, such as Claude by Anthropic. They are separate from Beacon and accompany our other calculators, dashboards, and web applications (together, the “Tools”). Depending on how you set them up, the AI Traders can draft trade plans and, if you give the AI assistant a way to act in your own accounts, can place real trades automatically on your instructions, as described below. This section applies to every Tool we offer, free or paid, in addition to the rest of these Terms.

The Tools are education, not advice. Everything in Section 1 applies fully to the Tools and to everything they generate. An AI Trader may ask about your situation — for example, roughly how much you hold, your goals, or your comfort with risk — and shape its responses around your answers. Even so, its output is automatically generated educational content. It is not financial, investment, trading, legal, or tax advice; it is not a recommendation to buy, sell, or hold any asset; and using a Tool does not create any advisory, fiduciary, or client relationship between you and CoinPicks. When a Tool places a trade, it is carrying out your instructions — that execution is not a recommendation, and the decision remains yours.

AI output can be wrong. AI assistants can produce information that is inaccurate, incomplete, outdated, or simply made up, and they can miss important risks. Output is generated by the AI platform inside your own account — CoinPicks does not see, review, or approve it before you read it, and the same question can produce different answers at different times. Never act on AI output without verifying it yourself, and never make a financial decision based on AI output alone. This matters even more with automated trading: an AI mistake can become a real trade in your account. Supervise anything you automate.

The trading is done by the AI, in your accounts, on your instructions. When an AI Trader trades automatically, the trading itself is performed by the third-party AI assistant (for example, Claude, made by Anthropic) — not by CoinPicks. What CoinPicks provides is the written instructions and configuration that teach the assistant how you want it to trade. If you choose to give the assistant a way to act in your own exchange account, it can carry out the trading instructions you give it, such as “buy this coin if it reaches 20 cents,” automatically — including while you are not watching. You choose the account, you decide what access the assistant gets, you give the instructions and limits, and you can stop it at any time by ending the session or removing the access you gave it. This is self-directed trading: it is not CoinPicks trading for you, holding your money, or choosing your investments, and it does not make CoinPicks a broker, exchange, custodian, money manager, or investment adviser. Your use of the assistant — including letting it trade — is also subject to the AI platform’s own terms and usage policies.

Autonomous Apps run on your own computer (optional). Some CoinPicks software, including the Autonomous Trader editions, can generate and execute trading decisions using a supported AI connection and the strategy, permissions and limits you configure. You decide when to activate trading. It is not limited to fixed if/then instructions: an AI model may interpret your strategy and propose decisions. The model can misunderstand instructions or make errors, and software controls can fail. Review your configuration, test carefully and monitor the trader; user-selected rules do not guarantee that every action will match your intent. The software runs on your own computer. Any wallet or exchange connection it uses is one you set up yourself, and its keys are entered by you and saved in an encrypted vault on your own computer. CoinPicks never receives, sees, or stores your exchange keys, wallet keys, or seed phrases, and CoinPicks never has custody of your funds. You can pause everything or delete your keys and your rules at any time. Everything above still applies: this is self directed trading; executing your conditions is not a recommendation; it does not make CoinPicks a broker, exchange, custodian, money manager, or investment adviser; and you remain solely responsible for your rules and their results.

Software description clarified October 10, 2026. Earlier purchase terms and recorded consent remain unchanged.

Automation adds its own risks, and you accept them when you turn it on. Software and networks fail. Bugs, outages, delayed market data, exchange downtime, or rejected orders can make your conditions execute late, at worse prices, more than once, or not at all — including while you sleep. Markets can move sharply between the moment your rule triggers and the moment your order fills. Never automate a rule whose worst case you cannot afford, start small, and check the activity log often. We may pause, limit, or switch off Autonomous Apps, for everyone or for a single account, at any time for safety, maintenance, or legal reasons, and the feature may not be available for every exchange or in every place.

Your money stays in your own accounts. CoinPicks never has custody of your funds and can never deposit, withdraw, or move your money. The classic AI Trader runs entirely inside your own AI account and your own exchange account — CoinPicks is not part of that connection. CoinPicks does not hold exchange keys or wallet keys for any member, including for Autonomous Apps, which keep your keys on your own computer. Never give your exchange logins, passwords, private keys, or seed phrases to CoinPicks, to anyone on our team, or to anyone else — those we never ask for and never accept, and no legitimate CoinPicks tool or person will ever request them. If anything claiming to be CoinPicks asks for money, account logins, or your seed phrase, it is not ours — stop and email us at admin@coinpicks.app.

Automated trading is risky. On top of normal market risk, software, AI assistants, exchanges, and internet connections can fail, lag, misread an instruction, or behave in ways nobody expected. Orders can fill at worse prices than you wanted, not fill at all, or fire when you did not expect them — including while you sleep. You can lose money quickly, up to everything in the connected account. Start small, test every instruction with money you can afford to lose, check on any automation regularly, and never automate more than you are willing to lose. You are responsible for every trade a Tool places under your setup and your instructions. Execution is never guaranteed: we do not promise that any order will be placed, filled, or canceled at any particular time or price, or that any automation will be available or uninterrupted.

The AI Traders run on third-party platforms. To use an AI Trader, you run it inside an AI assistant operated by a third party (for example, Claude, operated by Anthropic), and any trading connection runs through your own accounts at third-party exchanges or wallets. Your use of those platforms is governed by their own terms of service and privacy policies and may require accounts with them. CoinPicks does not control third-party AI platforms, exchanges, or wallets and is not responsible for their availability, pricing, fees, conduct, security, or output. AI platforms update their models over time, so a Tool’s behavior and quality can change without notice.

Setup help is technical, not advisory. Our team may help you install or set up a Tool as included in your plan. Basic website setup instructions are free; personal setup help is a VIP benefit. That help is technical and educational only. Our team never takes control of your money or your accounts and never needs your passwords, API keys, or seed phrases. Our team members are not licensed financial advisers, and nothing said on any call is individualized investment advice or a recommendation to buy, sell, or hold any asset.

License and changes. The Tools, including the text of every AI Trader prompt, are CoinPicks content licensed to you under the “Intellectual Property and License” section below for your personal, non-commercial use only. You may not sell, resell, republish, or redistribute them. We may modify, suspend, or discontinue any Tool at any time without notice. All Tools and their output are provided “as is,” as described in the “Disclaimer of Warranties” section below.

3. Earnings and Results Disclaimer

CoinPicks makes no guarantee, representation, or warranty regarding any specific financial result, income, profit, or return. Any earnings figures, performance examples, testimonials, case studies, or results referenced anywhere on the Website or in our marketing — including past performance of any strategy, “call,” portfolio, or Tool — are illustrative only and are not typical. They reflect the experiences of specific individuals under specific conditions and should not be understood as average or expected results.

Past performance is not indicative of future results. Individual results depend on many factors outside our control, including your own effort, decisions, experience, market conditions, and risk. The typical purchaser or member should not expect to replicate any particular result, and many may make little or no money. You acknowledge that you have not relied on any promise or representation of earnings in deciding to use the Website or purchase any product.

4. Acceptance and Changes to These Terms

By using the Website, you accept these Terms. We may modify these Terms at any time at our discretion. The most current version supersedes all prior versions, and your continued use of the Website after changes are posted constitutes acceptance of those changes. We encourage you to review the Terms periodically. Where practical, we will update the “Effective date” above when we make material changes.

5. Children

CoinPicks does not knowingly collect personal information, online or offline, from children under 13. If you are under 13, do not use the Website or provide any personal information. If you are a minor in your jurisdiction, you may use the Website only with the involvement and permission of a parent or guardian.

6. Privacy Policy

Your use of the Website is also governed by the CoinPicks Privacy Policy, which describes how we collect, use, and share your information. Please review it, as it is incorporated into these Terms by reference.

7. Electronic Communications

When you visit the Website or send communications to CoinPicks, you are communicating with us electronically. You consent to receive communications from us electronically — by email and through the Website — and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that they be in writing.

8. Your Account

If you create an account, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your devices. You accept responsibility for all activity that occurs under your account. You may not assign or transfer your account to any other person or entity. CoinPicks is not responsible for third-party access to your account resulting from theft or misappropriation. CoinPicks may refuse or cancel service, terminate accounts, or remove or edit content in its sole discretion.

Phone verification and optional communications

Email verification is the primary way to sign in. A phone number is optional for ordinary account access, learning and membership purchases or upgrades. Google sign-in is also available. If an additional account security check is needed, choose email verification to receive a code at your account email. This verifies access to your email; it does not change or reverify your saved phone number. Keep your email account secure because anyone with access to it can complete this verification.

Requesting the free AI trader requires verifying a phone number you are authorized to use in that request form. Optional text reminders also require a verified phone number. Requesting a code permits CoinPicks to send that authentication message. It does not enroll you in marketing or change your membership tier. Verification confirms access to the number at the time of the check, not legal identity or continuing ownership. Keep your contact details current and verify again when changing your number. Delivery depends on the destination, carrier and service availability. Contact admin@coinpicks.app if you cannot complete verification.

Marketing calls, texts and emails are optional and use separate contact preferences. Declining or withdrawing permission does not affect a purchase, membership or account access. The electronic communications provision above does not grant marketing call or text permission. Live marketing call permission does not authorize prerecorded or artificial-voice calls. Permission does not authorize unlimited contact or calls at any time; applicable restrictions and withdrawal requests still apply.

The sender for any enabled CoinPicks marketing program is Fundamental Secrets LLC, doing business as CoinPicks. Marketing text frequency varies and message and data rates may apply. If marketing texts are enabled, reply STOP to stop or HELP for help where replies are supported, or use your account preferences or support. Marketing emails include an unsubscribe option. You can ask us to stop marketing calls during a call, in your account or through support. Necessary service communications and security messages you request are separate. This website update records choices and does not activate a new marketing delivery service.

9. Purchases, Subscriptions, Refunds, and Cancellations

Prices and Payment. Prices for products, memberships, and subscriptions are displayed at the point of purchase. By completing a purchase, you authorize CoinPicks and its payment processors to charge your selected payment method.

Membership Payment Options. New Genesis training memberships are $2,000 paid annually in full, or four monthly payments of $750 ($3,000 total per membership year). Existing subscriptions retain their agreed prices. Premium is $8,000 paid annually in full, or four monthly payments of $2,500 ($10,000 total per membership year). VIP is $50,000 paid annually in full, or four monthly payments of $13,750 ($55,000 total per membership year). Any applicable taxes are shown at checkout. Your selected option is shown before payment; an existing membership keeps its agreed terms.

Four-Payment Annual Plans. The first installment is charged at purchase, followed by three monthly installments. The membership year starts with the first successful payment and lasts one year, subject to payments remaining current. After the four installments, there are no further scheduled installments for the rest of that membership year. The plan automatically renews on its annual anniversary with the same four-payment pattern and annual total unless you cancel the next annual renewal. This is an annual payment commitment. Canceling renewal does not cancel or waive unpaid installments for the current year; payment collection and retries continue. Failed payments can interrupt access. Mandatory consumer rights and an approved refund remain separate.

7-day conditional money-back guarantee

Your first purchase of each tier—Genesis, Premium and VIP—has a seven-day (168-hour) conditional guarantee. Complete and save the full Planning process honestly and submit your request within seven days of that tier’s first successful payment. Saved Planning completed before purchase also counts.

• Complete the full Planning process honestly and save your work to your CoinPicks account.
• Submit your refund request through Membership & billing within the same seven-day window. Complete Planning and submit your request no later than 168 hours after your initial successful purchase of that paid tier. A valid saved Planning completion from before purchase also counts; you do not need to repeat it solely because you purchased.

Jenny reviews your saved Planning completion evidence. If the conditions are met, your membership purchase is refunded in full manually. Jenny’s review can take place after the deadline; your request time determines whether it was submitted on time.

You do not need to connect a bank, make a deposit, place a trade, or have a positive balance to qualify. Honest manual entries are allowed. No investment or trading result is required.

Each tier has its own first-purchase window. Renewals and repeat purchases of the same tier do not restart it. Your first upgrade into a new tier starts that tier’s window; an upgrade refund restores the prior paid tier through its original term end and does not reset its older guarantee. A Free account does not start the window.

If you cannot submit through your account, contact admin@coinpicks.app within the same deadline so your request can be recorded. For a purchase made under earlier terms, an existing Skool subscription, or purchase details we cannot verify, contact Support so Jenny can review the applicable terms and evidence.

This guarantee is additional to any refund, cancellation, or other consumer rights required by applicable law. Its deadline and Planning conditions do not limit those rights. These rights are not conditional on completing Planning. This voluntary membership guarantee does not apply to physical goods; any mandatory rights for those goods remain unchanged.

This is a membership refund policy, not a promise of investment returns or financial performance.

Guarantee policy version: planning-first-tier-purchase-7-day-v2. This version applies when it is presented for your purchase; it does not replace the terms of an earlier purchase.

Subscriptions and Automatic Renewal. Memberships renew using the payment option agreed at checkout: existing monthly Genesis subscriptions repeat each month; annual upfront memberships repeat each year; four-payment plans repeat their four monthly installments each year. Before you are charged, we disclose the amount, frequency, annual commitment when applicable, and renewal terms, and you must affirmatively agree to them. Open Membership & billing and select Cancel next annual renewal for a four-payment plan, or Manage billing to cancel a monthly or annual upfront subscription in Stripe. You can manage payment methods and invoices in Stripe for either option. For an existing Skool subscription, cancel in your Skool membership settings. Cancellation is separate from a refund request. Canceling renewal stops the next membership term; it does not itself request or issue a refund. On a four-payment annual plan, unpaid installments for the current year remain due and collection continues. Refunds under the guarantee and any rights required by applicable law remain separate from cancellation.

Free Trials. CoinPicks does not currently offer free trials for its memberships or subscriptions.

10. Intellectual Property and License

All content on the Website — including text, graphics, logos, images, video, research, and software (including the Tools and the text of every AI Trader prompt), and the compilation of all content — is the property of CoinPicks or its suppliers and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your own personal, non-commercial use, strictly in accordance with these Terms. You may not modify, publish, transmit, reverse engineer, sell, resell, create derivative works from, or otherwise exploit any content, in whole or in part. CoinPicks content is not for resale. You may not remove or alter any proprietary notices. You acquire no ownership rights in any content, and we grant no licenses except as expressly stated here.

11. Acceptable Use

As a condition of your use, you warrant that you will not use the Website for any unlawful or prohibited purpose. You may not use the Website in any way that could damage, disable, overburden, or impair it, or interfere with anyone else’s use. You may not attempt to obtain materials or information through any means not intentionally made available through the Website.

12. Community and Communication Services

The Website may include communities, chat areas, forums, comment sections, or other communication features (“Communication Services”). You agree to use them only for lawful, appropriate messages related to that feature. By way of example and not limitation, you agree that you will not: defame, abuse, harass, stalk, threaten, or violate the legal rights of others; post anything unlawful, infringing, obscene, defamatory, or otherwise objectionable; upload material you do not have the rights to, or that contains viruses or harmful code; advertise or solicit goods or services unless expressly permitted; conduct surveys, contests, pyramid schemes, or chain letters; harvest others’ information, including email addresses, without consent; impersonate others or falsify attributions; restrict others’ use of the Communication Services; or violate any applicable law, regulation, or posted guideline.

CoinPicks has no obligation to monitor the Communication Services but may review and remove any material, and may terminate your access, at its sole discretion and without notice. CoinPicks may disclose information as necessary to comply with any law, regulation, legal process, or governmental request. CoinPicks does not control or endorse content posted by users and disclaims liability for it. Community managers and hosts are not authorized CoinPicks spokespersons, and their views do not necessarily reflect ours. Use caution when sharing personal information in any Communication Service.

13. User Submissions

CoinPicks does not claim ownership of materials you submit, post, or upload (including feedback and suggestions) (“Submissions”). However, by providing a Submission, you grant CoinPicks and its affiliates and sublicensees a worldwide, royalty-free license to use, copy, distribute, transmit, publicly display and perform, reproduce, edit, translate, and reformat your Submission in connection with our business, and to publish your name in connection with it. No compensation is payable for use of your Submission. We are not obligated to post or use any Submission and may remove it at any time. You represent that you own or control all rights to your Submissions.

14. Third-Party Links and Services

The Website may link to third-party websites (“Linked Sites”) that are not under our control. CoinPicks is not responsible for the content of any Linked Site and provides links only as a convenience; inclusion of a link does not imply endorsement. Some Services may be delivered by third parties — including the third-party AI platforms described in Section 2; by using such functionality, you consent to CoinPicks sharing relevant information with the third party providing that functionality on your behalf.

15. International Users

The Website is controlled and operated by CoinPicks from within the United States. If you access it from outside the U.S., you are responsible for compliance with local laws. You agree not to use the Website or its content in any jurisdiction or manner prohibited by applicable law.

16. Disclaimer of Warranties

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CHANGES ARE PERIODICALLY MADE. COINPICKS AND ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, OR ACCURACY OF ANY CONTENT FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL CONTENT IS PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. COINPICKS AND ITS SUPPLIERS DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE FOREGOING APPLIES EQUALLY TO ALL SOFTWARE TOOLS WE PROVIDE, TO ANY OUTPUT GENERATED BY OR THROUGH ANY AI TOOL OR THIRD-PARTY AI PLATFORM, AND TO ANY TRADE PLACED, DELAYED, MISPRICED, DUPLICATED, OR NOT PLACED BY OR THROUGH ANY TOOL.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COINPICKS OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER — INCLUDING DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, OR TRADING OR INVESTMENT LOSSES — ARISING OUT OF OR CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, ANY DELAY OR INABILITY TO USE THE WEBSITE, OR ANY CONTENT, PRODUCTS, TOOLS, AI-GENERATED OUTPUT, AUTOMATED TRADING, OR SERVICES OBTAINED THROUGH IT, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF COINPICKS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THIS SECTION DOES NOT LIMIT THE CONDITIONAL MONEY-BACK GUARANTEE ABOVE OR ANY RIGHTS OR REMEDIES REQUIRED BY APPLICABLE LAW.

18. Indemnification

You agree to indemnify, defend, and hold harmless CoinPicks and its officers, directors, employees, agents, and third parties from any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of (or inability to use) the Website or Services, any content you post, your violation of these Terms, or your violation of any rights of a third party or any applicable law. CoinPicks may, at its own cost, assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate.

19. Arbitration

If the parties cannot resolve a dispute arising out of or concerning these Terms — whether in contract, tort, or otherwise — the dispute shall be resolved exclusively by final and binding arbitration under the Federal Arbitration Act, conducted by a single neutral arbitrator administered by the American Arbitration Association (or a similar service the parties select), in a mutually agreed location. The arbitrator’s award is final, and judgment may be entered in any court of competent jurisdiction. The prevailing party is entitled to recover its costs and reasonable attorneys’ fees. The parties agree to arbitrate all disputes and claims related to these Terms, including tort claims. The Federal Arbitration Act governs interpretation and enforcement of this provision. The arbitrator decides the scope and enforceability of this provision. This provision survives termination of these Terms.

20. Class Action Waiver

All arbitration will take place on an individual basis. Class arbitrations, class actions, and representative or collective actions are not permitted. THE PARTIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING, INCLUDING ANY PRIVATE ATTORNEY GENERAL ACTION. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person’s claims or preside over any representative or class proceeding.

21. Termination and Access Restriction

CoinPicks may, in its sole discretion and without notice, terminate your access to the Website and Services, in whole or in part, at any time. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms.

22. Governing Law

To the maximum extent permitted by law, these Terms are governed by the laws of the State of Florida, and you consent to the exclusive jurisdiction and venue of the state and federal courts located in Florida for all disputes arising out of or relating to the Website not subject to arbitration.

23. General

No joint venture, partnership, employment, or agency relationship is created between you and CoinPicks by these Terms. CoinPicks’ performance is subject to existing laws and legal process, and nothing here limits our right to comply with governmental, court, and law enforcement requests. If any provision of these Terms is found invalid or unenforceable, it will be replaced by a valid, enforceable provision that most closely matches the intent of the original, and the remaining provisions will stay in effect. These Terms constitute the entire agreement between you and CoinPicks regarding the Website and supersede all prior communications and proposals. A printed version of these Terms and any electronic notice will be admissible in proceedings to the same extent as other business records. The parties intend that these Terms and all related documents be written in English.

24. Contact Us

Questions or comments about these Terms can be sent to:

CoinPicks (Fundamental Secrets LLC)
Email: admin@coinpicks.app