Terms of Service

Version 2026-09-30 · Effective 30 September 2026

Applies to: everyone who uses nobscrypto.com.au, the No BS Crypto Terminal, the wallet and AI tools, and the No BS Crypto community on Circle.

These terms have a main part and three annexes: Annex A (Wallet and AI credits), Annex B (AI tools) and Annex C (Referrals). Together they form one agreement.

1. Who we are

We are Kyren Cater Consultancy F.Z.E, a free zone establishment licensed in the Ajman Free Zone, United Arab Emirates, trading as No BS Crypto. Email: support@nobscrypto.com.au.

"We", "us" and "our" mean that company. "You" means the person using our services.

2. The short version

• We publish crypto research, education and tools. It is general information, not financial advice.
• We are not a broker, exchange, adviser or fund manager. We don't hold your crypto, trade for you or manage your money.
• Crypto can lose all its value. Only you decide what to do with your money.
• Paid plans renew automatically until you cancel. You can cancel at any time.
• Your consumer rights in your own country still apply.

3. Who can use our services

You must be 18 or over. By creating an account, you confirm that you are.

You must not use our services if the law where you live forbids it. Some features are not available to people in some countries. Section 10 lists them.

4. Accounts and sign-in

You sign in with a one-time code sent to your email. There are no passwords. Keep your email account secure, because anyone who can read it can sign in as you.

Your name and community tier come from Circle. We read your membership status from Circle to decide what you can access.

Tell us straight away at support@nobscrypto.com.au if you think someone else has used your account.

One account per person. Don't share access.

5. What we provide

The website tells you about No BS Crypto, our plans and our partners, and holds these legal pages.

The community runs on Circle. It offers market analysis, videos, livestreams, education and tools. What each tier includes is shown on our Community page when you join.

The Terminal is a crypto research web app. Terminal Free is free. Terminal Pro adds Pro-only pages and data. Where content is Pro-only, Free users see blurred sample data marked as a sample. It is not real data.

What we don't do.

• We don't give personal financial advice or trade signals.
• We don't manage money or trade for you, and we don't hold your crypto.
• We don't promise returns or win rates.

Portfolios and traders' results. We may show Kyren's own portfolio, review portfolios on video, or show other traders' results. That is general information about what one person did or thinks. It is not a recommendation for you.

6. Not financial advice, and not a financial service

Everything we provide is general information and education. It doesn't take into account your objectives, finances or needs.

We are not licensed to give financial or investment advice, or to deal in, arrange or manage virtual assets or financial products, in any country. We don't do those things. Nothing we publish is an offer, a solicitation or a recommendation to buy, sell or hold any asset.

Kyren and our team may hold the crypto assets we discuss. See the Risk Disclosure at /legal/risk.

Before making a financial decision, think about whether it suits you. Consider getting advice from a professional who is licensed where you live.

7. Terminal Pro subscriptions

These terms apply when Terminal Pro is open for purchase.

Price. Terminal Pro is USD 99 a month. Yearly, it is USD 1,045.44: 12% less than twelve monthly payments (USD 1,188). Community members pay less, as set out in the Promotion terms. Any tax that applies is shown before you pay.

Member discount. Community members get a lasting discount on Pro while their community membership stays active. The discount depends on your tier and billing period, as set out in the Promotion terms at /legal/promotions. If your tier changes, your discount changes from your next renewal.

Offers. Launch and thank-you offers are set out at /legal/promotions. Checkout always shows the price you pay today, the price you pay at renewal, and when any offer ends.

Payment. Stripe processes payments. We never see or store your full card details.

Automatic renewal. Your plan renews automatically at the end of each billing period, and we charge the card on file, until you cancel. We email you before a yearly plan renews.

Cancelling. You can cancel at any time in your account settings. We may show you one retention offer, which you can skip. Cancelling stops the next renewal, and you keep Pro until the end of the period you have paid for. Refunds are covered at /legal/refunds.

Price changes. We may change Pro prices. We email you at least 30 days before a new price applies to you, and it applies from your next renewal after that notice. If you don't agree, cancel before then.

Failed payments. If a payment fails, we try again and email you. If it still fails, your plan moves to Terminal Free.

8. Community memberships

Community memberships (Essential, Analyst and Strategic) are sold through Circle's checkout at the prices shown there, in US dollars. They renew automatically until you cancel in your Circle account. We are the seller. Circle provides the platform and the checkout. Refunds and cancellation are covered at /legal/refunds. Circle's own terms also apply to your use of Circle.

9. The wallet, AI credits and AI tools

Annex A covers the wallet and AI credits. Annex B covers the AI tools.

10. Partner exchanges, the Reward Board and other partners

We link to crypto exchanges (BTCC, Bitunix and Phemex) and to other partners. We don't run their services, and we don't check that they suit you. Your contract with them is separate from ours. We may earn a commission. See /legal/affiliate.

Restricted countries. These offers are not available to residents of the restricted countries listed below:

• exchange sign-ups through our links;
• free community access through a partner exchange;
• the No BS Reward Board.

The restricted countries:

• the United Arab Emirates;
• the United Kingdom;
• the European Union and the European Economic Area;
• the United States;
• any country or region under comprehensive sanctions, including Cuba, Iran, North Korea, Syria, Russia, Belarus, and the Russian-occupied regions of Ukraine.

These offers are also not available wherever the exchange doesn't accept you, or where local law forbids them.

By using one of these offers, you confirm that you don't live in a restricted country and that you may lawfully use the exchange where you live. We may ask where you live. We may refuse or withdraw an offer or reward if you aren't eligible.

Circle, Stripe, TradingView and our other providers have their own terms and privacy policies.

11. Your content and conduct

You keep ownership of what you post. You give us a non-exclusive, worldwide, royalty-free licence to host, store, display and share it inside our services, only to run them. This licence ends when you delete the content or your account, except for copies other members have already quoted, or that we must keep by law.

You must follow the Acceptable use and community guidelines at /legal/acceptable-use.

12. Our intellectual property

We own, or are licensed to use, our content, software, indicators, designs and the No BS Crypto brand. You may use them for your own personal, non-commercial purposes. You may not copy, resell, scrape, reverse-engineer or redistribute them without our written permission. Third-party data belongs to its providers and is shown under their licences.

13. Availability and changes to our services

We work to keep our services running, but they may sometimes be unavailable or contain errors. We may change or remove features. If we remove a major paid feature during a period you have paid for, we offer you a pro-rata refund or credit for the part you lose.

14. Our responsibility to you

Your rights under consumer law come first. Nothing in these terms excludes or limits a right or remedy you have under a law that cannot be excluded. That includes the UAE's consumer protection law, the Australian Consumer Law (including the consumer guarantees), and the consumer laws of the EU, the UK and your own country.

Subject to that:

• We are not responsible for your trading or investment decisions, or for losses from market movements.
• We are not responsible for what exchanges, brokers, wallets, traders or other third parties do.
• We are responsible for loss caused by our breach of these terms, our negligence, or our failure to take reasonable care. We are not responsible for loss that was not reasonably foreseeable.
• Where the law allows us to cap our liability, our total liability to you for all claims is the greater of what you paid us in the 12 months before the claim and USD 100.
• Nothing here limits our liability for fraud, gross negligence, wilful misconduct, death or personal injury caused by our negligence, or anything else the law does not let us limit.

Your responsibility. If you break the law or these terms, you are responsible for the loss you cause us, as far as the law allows. You are not responsible for loss we cause.

15. Suspension and termination

You can close your account at any time in settings. That cancels your subscriptions and removes your login. See /legal/privacy for what we keep, and why.

We may suspend or close your account if you seriously or repeatedly break these terms, if the law requires it, or to protect other members. Unless the law or safety prevents it, we tell you why and give you a chance to respond. If we close your account without good reason, we refund the unused part of any paid period and any unused paid credit.

16. Changes to these terms

We may update these terms for legal, security or product reasons. Each version has its own identifier. For changes that materially affect you, we email you at least 30 days before they apply. If you don't agree, you can cancel before they apply and get a pro-rata refund of any period you prepaid beyond the change date. Minor changes, such as fixing typos, apply when we publish them.

17. Notices

We send notices to the email address on your account. You can send notices to support@nobscrypto.com.au.

18. Complaints and disputes

Please tell us first, so we can fix things. Our complaints process, with timeframes and outside options, is at /legal/complaints.

19. Governing law and courts

These terms are governed by the laws of the United Arab Emirates.

The courts of the United Arab Emirates have non-exclusive jurisdiction over disputes about these terms.

If you are a consumer, you keep the protection of the mandatory laws of the country where you live, and you may bring proceedings in the courts there. We don't ask consumers to give up their right to go to court, and we don't require arbitration.

20. General

If a court finds part of these terms invalid, the rest still applies. If we don't enforce a right straight away, we can still enforce it later. You may not transfer this agreement without our consent. We may transfer it to a business that takes over our services; we will tell you first, and your rights won't be reduced. These terms are written in English. If we publish a translation and it differs, the English version applies, unless the law where you live says otherwise.

Annex A: Wallet and AI credits

This annex applies when the wallet is available in your account.

A1. What the wallet is. The wallet holds prepaid credits that you can spend only on our AI tools, at the prices shown in the app. Credits are not money, e-money, crypto or a deposit. They earn no interest. They cannot be transferred, sold, cashed out, or used with anyone else.

A2. Topping up. You top up in US dollars, with a preset or a custom amount. Before you pay, we show the total price, any fees included in it, and the credit you receive.

A3. Pro's welcome credit. When you first pay for Terminal Pro, we add a one-time AI credit to your wallet 3 days after that first payment: USD 5 on the monthly plan, or USD 15 on the yearly plan. If that payment is refunded or disputed first, no credit is added. The welcome credit is given once per member, has no cash value and isn't refunded.

A4. Auto-recharge. Auto-recharge is off unless you turn it on. If you do, you choose the amount and the balance that triggers it. We charge your card each time it triggers and send you a receipt. You can turn it off at any time.

A5. Expiry. Credit you have paid for doesn't expire while your account is open.

A6. Refunds. Paid credit you haven't used is refunded:

• if you close your account;
• if we close it without good reason, or stop the AI tools; or
• where the law gives you a right to a refund.

Fees on credit you have already used aren't refunded unless the law requires it. Your rights under /legal/refunds and consumer law still apply.

A7. Errors. If you are charged credit because of our error, we give it back.

Annex B: AI tools

B1. What they are. The No BS Assistant, Deep Research and Analyze Trades use AI models from several providers, routed through OpenRouter. Deep Research also uses Perplexity for web search. You are chatting with AI, not a person.

B2. Prices. AI use is paid from your wallet at the prices shown. Deep Research shows a price quote before it starts, and starts only when you confirm.

B3. AI can be wrong. AI output can be wrong, out of date or incomplete, even when it cites a source. Check anything important before you rely on it.

B4. Not advice. The AI tools give general information. They are designed not to tell you what to buy, sell or hold, even when they can see portfolio data you have entered. Don't treat an answer as a recommendation.

B5. What the AI can read. A Free member's AI reads only Free data. A Pro member's AI can also read Pro data.

B6. Analyze Trades. Analyze Trades reviews trade information you give it. It doesn't place orders. Paper trading is a simulation, and it doesn't reflect real results or fees.

B7. Your inputs. Don't enter other people's personal information, or secrets such as exchange API keys or seed phrases. How we handle your prompts is set out at /legal/privacy.

B8. Output. You may use AI output for your own purposes. We don't guarantee that it's original or free of other people's rights.

Annex C: Referrals

1. Your link. Each member can get a referral link. Share it honestly. Don't spam it, use paid ads on our brand name, or post it where it breaks a platform's rules.
2. How we count. When someone opens your link, we count their sign-up for 30 days, but only if they choose "Allow referral counting". Without that choice, we can't credit you. We use a first-party cookie called nobs_ref, described at /legal/cookies.
3. What counts. A referral counts when the visitor signs up within 30 days on the same browser, and isn't you or an account you control.
4. Rewards. If we offer a referral reward, the offer says what it is, when it's earned and how it's paid. Referral rewards are never tied to anyone's trading or deposits on an exchange.
5. No misleading claims. Don't promise profits, or say we are licensed, regulated or approved.
6. Abuse. Self-referrals, fake accounts and cookie stuffing earn nothing. We may remove your link and withhold rewards.
7. Changes. We may change or end the referral programme with 30 days' notice. Rewards already earned are honoured.