Terms of use

1. What this site is

Crypto Academy is a teaching site about cryptocurrency trading. It provides written lessons, quizzes, market data, calculators and a paper-trading simulator that uses simulated balances.

We are not a broker, an exchange, a dealer, an investment adviser, a fund manager or a money transmitter. We do not accept deposits, hold client assets, execute orders or provide access to any trading venue.

2. Not advice

Nothing on this site is a recommendation to buy, sell or hold any asset. Nothing on it is financial, investment, legal, accounting or tax advice, and nothing on it takes account of your circumstances, objectives or risk tolerance, because we do not know them.

Where a lesson gives a number, a threshold or a rule of thumb, it is an illustration used to teach a method. It is not a target, a limit or a promise. Worked examples use invented figures unless a real source is named.

Before risking your own money, take advice from someone qualified and regulated in your own country.

3. Risk

Cryptocurrency is volatile, largely unregulated in many places, and traded continuously. You should assume that:

• You can lose the entire amount you put in, and with leveraged products you can lose it faster than you can react.
• Most people who trade actively lose money over time.
• Past performance of any asset, strategy or person tells you very little about the future.
• Results in the simulator do not predict results with real money. The simulator has no emotional cost, and that is the part that breaks most traders.

4. The simulator

The practice account exists for learning. Its balances are records in our database with no monetary value. They cannot be withdrawn, transferred, sold or exchanged for anything, and they do not represent a claim on us or on anyone else.

We may reset, adjust or clear simulated balances, positions and orders where that is needed to fix a fault, stop abuse or change how the simulator works. Prices, fills and fees in the simulator are approximations of a real venue and will differ from live trading.

Where you choose to link a Binance spot testnet key, that key controls testnet balances only. Testnet balances also have no monetary value. We will never ask for a key that can access real funds, and the site contains no path that could use one.

5. Your account

• You must be old enough to form a binding contract where you live, and in any case at least 18, to create an account.
• Give accurate registration details, and keep your password to yourself. You are responsible for what happens under your account.
• One person, one account. Do not share logins or resell access.
• Tell us promptly at admin@mkpayz.com if you think someone else has used your account.

6. Things you must not do

• Copy, republish or resell the lessons, glossary or other content without written permission. You may of course use what you learn.
• Scrape the site, hammer the API endpoints, or run automated tools that degrade it for others.
• Try to break, bypass or probe the access controls, the plan gating or other people's accounts.
• Use the site to give financial advice to others, to solicit investment, or to present simulator results as a real trading record.
• Upload or submit anything unlawful, or anything that infringes somebody else's rights.

We may suspend or close an account that breaks these rules. Where it is reasonable to do so, we will say why.

7. Plans and payment

Some parts of the site require a paid plan. The free plan is genuinely free and we intend to keep it that way.

• Prices are shown on the pricing page and may change. A change never affects a period you have already paid for.
• Paid access runs for the period stated. When it expires, the account returns to the free plan. Nothing you created is deleted: progress, trades and journal entries stay, and the paid features simply lock again.
• Because access is granted immediately and the content is consumed on delivery, paid periods are generally not refundable. If something has gone genuinely wrong, write to us and we will deal with it fairly.
• Where payment is applied by hand rather than through a gateway, the same terms apply.

8. Market data

Prices, charts, order book depth and funding rates come from third parties, currently Binance, CoinGecko and alternative.me. That data is provided to you as it reaches us. It may be delayed, incomplete or wrong, and it is not executable anywhere.

We do not control those providers and are not responsible for their accuracy or availability. Do not rely on a number on this site for a real trading decision without checking it at your own venue.

9. Availability

We try to keep the site up and correct, and we make no promise that it will be available without interruption or free of errors. We may change, suspend or withdraw any part of it, including whole features, with or without notice.

10. Certificates

A certificate issued by this site confirms that somebody completed our curriculum. It is not a licence, a professional qualification, an accreditation, or any endorsement of ability to trade or to advise others. Presenting it as any of those things is a breach of these terms.

11. Liability

To the fullest extent the law allows, we are not liable for trading losses, lost profits, lost opportunity, lost data or any indirect or consequential loss arising from your use of this site or from anything you learned on it.

Where liability cannot lawfully be excluded, it is limited to the amount you paid us in the twelve months before the claim arose, or, if you have paid us nothing, to a nominal amount.

Nothing here excludes liability for fraud, for fraudulent misrepresentation, or for anything else that cannot lawfully be excluded.

12. Changes to these terms

We may update these terms. The date at the top changes when we do. Where a change materially reduces your rights, we will show a notice on the site. Continuing to use the site after a change means you accept the updated terms.

13. Ending your use

You can stop using the site at any time, and you can ask us to delete your account by writing to admin@mkpayz.com. We may end or suspend access where these terms are broken, where it is needed to protect the site or other users, or where we stop operating the service.

14. Contact

Crypto Academy, admin@mkpayz.com.