Terms & Conditions

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‍‍Terms of Service

TBW 21 Inc. (The Bitcoin Way)

Last updated: October 28, 2026

These Terms of Service ("Terms") are a binding agreement between you and TBW 21 Inc., trading as The Bitcoin Way ("The Bitcoin Way", "we", "us"), a company incorporated in the Republic of Panama with its registered address at Ocean Business Plaza, floor 14, office 1404, Panama City, Panama

They apply to everyone who visits thebitcoinway.com (the "Website") or uses our content, and to every client who engages our paid services. Part A applies to everyone. Part B applies to clients. Part C applies to everyone. By using the Website, our content or our services, you agree to these Terms. If you do not agree, do not use them.

How we handle personal data is set out in our Privacy Policy, which forms part of these Terms.

PART A: GENERAL TERMS

1. Who we are and what we do

We provide education, training and technical guidance on Bitcoin self-custody, personal cybersecurity and Plan B residency. We teach and guide. You carry out every step yourself.

2. What we are not

- We are not a bank, exchange, custodian, broker or licensed financial service provider.

- We never take custody of, hold, manage or control your Bitcoin or any other funds.

- We never ask for, receive or store your seed phrase, passphrase or private keys, and we never hold a key in your setup. We cannot access or move your Bitcoin.

- We do not sign transactions for you. Where we help with wallet recovery, we guide you through recovering access yourself.

- We do not buy, sell or exchange Bitcoin or any other asset for you, or facilitate those transactions.

- We do not manufacture or sell hardware or software. If we introduce you to a third-party distributor, any purchase is between you and that distributor.

- We do not provide financial, investment, legal, tax or accounting advice. For those, consult a qualified professional.

- We do not require identity verification for our Bitcoin and cybersecurity services. Identity documents are collected only where the law requires them, such as for residency applications.

3. Content is for education only

All content we publish, including articles, guides, e-books, videos, newsletters, webinars, podcasts and social media posts, and any of it republished by others ("Content"), is general education and information. It is not tailored to your circumstances and is not professional advice.

Reading or watching our Content, downloading a guide, attending a free webinar, subscribing to our newsletter or interacting with us on social media does not create a client, advisory or professional relationship. That relationship only begins when you engage a paid service under Part B.

You are responsible for any decision you make based on our Content.

4. Accuracy and changes

Bitcoin, security and the products in this field change quickly. Content reflects what we knew when it was published and may become outdated. We are not obliged to update past Content or to tell you about later changes, including newly discovered vulnerabilities in products or practices we have discussed.

5. Third-party products

Our Content and services may reference, review, demonstrate or recommend third-party hardware, software, firmware, protocols or services ("Third-Party Products"), such as hardware wallets, signing devices, node software and privacy tools.

- We do not manufacture, sell, warrant or control any Third-Party Product.

- We make no promises about their security, reliability, availability or freedom from defects or vulnerabilities, including ones unknown when we recommended them.

- Choosing, buying, installing, configuring and updating any Third-Party Product is your decision. You are responsible for getting it from a reputable source, checking it is authentic, and following the vendor's security advisories and updates.

- Your use of a Third-Party Product is governed by the vendor's own terms.

- We are not liable for any loss caused by a Third-Party Product, including design or manufacturing defects, firmware or software bugs, flawed key generation, supply chain compromise, or the vendor's acts, omissions, insolvency or discontinuation.

6. No guarantee of security outcomes

The practices we teach, including self-custody, passphrases, multisig and operational security, reduce risk. They cannot remove it. We do not guarantee that following our Content or guidance will prevent loss, theft or compromise of your assets or data. Practices that are sound today may not protect against future attacks or changes in technology.

7. External links

Links to other websites are provided for convenience. We do not control and are not responsible for their content, security or practices.

8. Intellectual property

All Content and materials, including guides, videos, tools, and our name and logo, belong to The Bitcoin Way unless stated otherwise. You may view and share Content for personal, non-commercial use with attribution. You may not copy, republish, resell, modify or use our Content or brand commercially without our written permission. Open source tools we publish are licensed under their own open source licences.

If you send us feedback or suggestions, we may use them freely.

9. Acceptable use

You agree not to misuse the Website, our Content or our services, including by attempting to hack, disrupt or reverse-engineer them, scraping them at scale, or using them for anything fraudulent or unlawful.

PART B: PAID SERVICES

10. Our services

- Bitcoin self-custody: private 1-1 training and guidance on wallet setup, nodes, inheritance planning and privacy tools.

- Personal cybersecurity: guidance and setup to protect your devices, accounts, home network and personal data.

- Plan B residency: coordination of the residency process with independent legal and accounting professionals, including a Panama-based legal team that handles the legal formalities.

- Ongoing support: subscriptions and support hours for maintenance and updates on your existing setup.

The scope, duration and price of each service are set out in your quote or order. Subscriptions and support hours cover maintenance and updates on your existing setup only. New setups and other services are quoted separately.

11. Eligibility

To use our services you must be at least 18, be authorised to act for any organisation you represent, give accurate information, and comply with the law. We may refuse service if these conditions are not met.

12. Your responsibilities

- You are solely responsible for your Bitcoin, devices, backups and setup, and for your decisions, including decisions based on our training or recommendations.

- You carry out every step of your setup yourself. You are responsible for checking any recommendation, tool or configuration before relying on it, and for keeping your seed phrase, passphrase and backups safe. We cannot recover them for you.

- You need basic technical skills, a stable internet connection and compatible equipment for Bitcoin and cybersecurity sessions.

- You are responsible for keeping your setup up to date once a service ends.

- You accept the risks of holding Bitcoin, including price volatility and technical failure.

- You must comply with the laws that apply to you, including tax laws.

13. Sessions

Sensitive information. We will never ask you to show or share your seed phrase, passphrase or private keys. If anything sensitive could appear on screen, we pause screen sharing until you confirm it is safe. You stay in control of what you share.

Cancelling and rescheduling. Sessions must be cancelled or rescheduled at least 24 hours in advance. If you give less notice, miss a session, or arrive more than 5 minutes late, a fee of EUR 375 per hour applies, deducted from your prepaid time.

Service limits. Each service has a set duration. Unused time cannot be transferred or refunded. Extra work needed because of unforeseen technical issues may be charged at EUR 375 per hour, billed in 30-minute increments. We will tell you before any extra work is charged.

Calls and transcripts. Calls are held over encrypted video and are not recorded. Sessions may be transcribed so we can write accurate notes, support you, maintain quality and protect both parties. You can ask us not to transcribe a session at any time, before or during it. Transcripts are handled as described in our Privacy Policy.

14. Plan B residency services

Our role. We manage the logistics of your residency process and coordinate with independent legal and accounting professionals, including a Panama-based legal team that handles the legal formalities. Decisions on your application are made by the Panamanian authorities. We do not guarantee the availability or performance of third-party professionals, and we are not liable for their acts, errors or omissions.

Your obligations. You must provide accurate, complete and timely information and documents, and meet the requirements set by the professionals and authorities involved.

Friendly Nations Visa. Under the law in force when these Terms were last updated:

- On approval of your initial application, you receive a Provisional Residency card on your first trip to Panama, valid for six months. You must return within that period to convert it into a Temporary Residency permit, valid for two years.

- Provided you do not acquire a criminal record during that period, you may then transition to Permanent Residency.

- Permanent Residency remains valid for as long as you maintain it, which currently requires visiting Panama at least once every two years, for at least 24 hours each time.

- After five years of Permanent Residency, you may be eligible to apply for Panamanian citizenship. Building ties to Panama, such as leasing or owning property, holding a local bank account and paying local bills, can strengthen an application.

These requirements are set by Panamanian law and may change. We are not responsible for changes in the law or their effect on your application.

Costs not included. Your quote does not include costs that may arise during the residency or citizenship process, such as rental contracts, property purchases or leases, utility bills, bank account maintenance or other related expenses. These are your responsibility.

Deposits. Plan B services may require a deposit to reserve your place, with the balance due by the date stated in your quote. Deposits are non-refundable.

Outcomes. We are not responsible if residency or citizenship is not obtained because of factors outside our control, including changes in immigration law, your eligibility, criminal records, missed renewals or decisions of the authorities. Fees paid for Plan B services are non-refundable, whatever the outcome of your application.

15. Fees and payment

- Fees are quoted per service and payable in Bitcoin. Unless your quote sets out a deposit and payment schedule, fees are due in full before services begin.

- Plan B fees include coordination and the third-party professional costs stated in your quote.

- You are responsible for Bitcoin network fees and any taxes that apply to you.

- A payment counts as received once it is confirmed on the Bitcoin blockchain and verified by us. You are responsible for sending the correct amount to the correct address.

- We may change our prices at any time. Changes do not affect services you have already paid for.

16. Refunds

All payments are non-refundable, except:

- where we fail to deliver a service you have paid for, in which case we may refund the undelivered part at our discretion; or

- where we end or discontinue your services without cause under section 18, in which case we refund the fees you prepaid for services not yet delivered.

17. Confidentiality

We treat non-public information you share with us, such as messages, details of your setup and Plan B documents, as confidential. We do not disclose it without your permission, except where the law requires it or where it is needed to deliver Plan B services through the professionals involved. How we store, protect and delete personal data is set out in our Privacy Policy. These obligations continue after our services end.

18. Ending or changing services

- You may stop using our services at any time. Fees already paid are handled under section 16.

- We may end your services immediately, without refund, if you breach these Terms, behave abusively, or use our services for anything fraudulent or unlawful.

- We may end services without cause by giving you notice, in which case section 16 applies.

- We may change, suspend or discontinue a service. If we discontinue a service you have paid for, we will give reasonable help with the transition, and section 16 applies.

- Sections that by their nature should continue after services end, including confidentiality, liability, indemnity and dispute resolution, survive.

19. No fiduciary relationship

Nothing in these Terms creates a fiduciary, trustee, agency, investment advisory or attorney-client relationship. Outside an active subscription or support plan, we have no ongoing duty to monitor your setup or to tell you about changes in technology, products, law or risk after a service ends. Any updates we send are a courtesy.

PART C: LEGAL TERMS

20. Disclaimer of warranties

To the maximum extent permitted by law, the Website, Content and services are provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement. We do not guarantee results, security, error-free outcomes, or the outcome of any residency application.

21. Limitation of liability

 To the maximum extent permitted by law:

- We are not liable for any loss or damage arising from or related to the Website, our Content or our services, including indirect, incidental, special or consequential losses, and loss of Bitcoin or other assets, data or profits.

- In particular, we are not liable for losses caused by your own errors or decisions, market movements, Third-Party Products, events outside our control, or the acts of third-party professionals or authorities.

- If, despite the above, the law does not allow our liability to be fully excluded, our total liability is limited to the fees you paid us for the specific service the claim relates to. For anyone who has not paid us, it is limited to USD 0, or the lowest amount permitted by law.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud.

22. Indemnity

You agree to indemnify The Bitcoin Way and its officers, employees and contractors against claims, losses and costs arising from your misuse of the Website, Content or services, your breach of these Terms, or third-party claims related to your actions, including in connection with Plan B processes.

23. Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, such as natural disasters, internet or power outages, or government action.

24. Governing law and disputes

These Terms are governed by the laws of the Republic of Panama. Any dispute arising from or related to these Terms, the Website, our Content or our services will be resolved by binding arbitration before a sole arbitrator in Panama City, conducted in English, under the rules of the Conciliation and Arbitration Center of Panama (CeCAP). Each party bears its own costs unless the arbitrator decides otherwise. The courts of Panama City have exclusive jurisdiction for urgent relief to protect our intellectual property or confidential information.

To the extent permitted by law, Panamanian law applies exclusively. Nothing in these Terms removes consumer rights that cannot be waived under the law of the country where you live.

To the extent permitted by law, Panamanian law applies exclusively. Nothing in these Terms removes consumer rights that cannot be waived under the law of the country where you live.

25. Changes to these Terms

We may update these Terms. The "Last updated" date shows the current version, and we will tell clients about significant changes by email. Continuing to use the Website, Content or services after changes take effect means you accept them. Changes do not affect services you have already paid for.

26. General

- Entire agreement. These Terms, your quote and our Privacy Policy are the entire agreement between us, and replace any earlier discussions or agreements.

- Your quote. If your written quote conflicts with these Terms, the quote prevails for that service.

- Severability. If any part of these Terms is found unenforceable, the rest remains in effect.

- Assignment. You may not transfer this agreement without our written consent. We may transfer it, for example as part of a reorganisation or sale of our business.

- No waiver. If we do not enforce a right, we have not given it up.

- Language. These Terms are written in English. If they are translated, the English version prevails.

- Acceptance. You may be asked to accept these Terms electronically, for example by checkbox, before services begin. Using our services also means you accept them.

27. Contact

TBW 21 Inc. (The Bitcoin Way)

Ocean Business Plaza, floor 14, office 1404, Panama City, Panama

Panama

info@thebitcoinway.com

We will never ask for your seed phrase, passphrase or a one-time code. Neither will anyone genuinely representing us.

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