Disclosures

1. Who operates this site

What Is Crypto Currency? is owned and operated by Ninja Credit Consultants LLC. The site is built and hosted on a platform provided by I Ninja LLC, which is credited in the footer of every page.

Correspondence about anything on this site, including corrections, goes to [email protected]. No telephone number is published, which is a deliberate choice rather than an omission: a number that is not monitored is worse than an address that is.

2. Education, not advice

Everything published here is general educational information. It is written for a general audience and cannot account for anybody's individual circumstances, so it is not and does not become advice by being read, acted upon, or found useful.

Specifically, nothing on this site is:

• investment advice, or a recommendation to buy, sell or hold any asset
• financial, retirement or insurance advice
• tax advice, or guidance on how to report anything
• legal advice, including on entities, contracts or compliance
• accounting or bookkeeping advice
• credit repair advice, or a strategy for disputing anything
• a solicitation or offer to sell any security or commodity

Decisions about your own money are yours, and for anything consequential the right step is a qualified professional who can see your actual situation. Our editorial standards set out what this site will and will not publish, and the resources page lists free government and nonprofit sources.

3. The commercial relationship

This is the disclosure that matters most, so it is not buried at the bottom.

This site is not a neutral publication. It is published by a company that sells services, and it exists in part so that some readers become clients. Pages about credit and business financial foundations sit closest to what Ninja Credit Consultants actually does, and those pages link to a conversation with the company.

That interest is the reason for the rules the site holds itself to:

• no page recommends a purchase, an asset, a platform or a provider
• no page promises a credit, funding or investment outcome, including on the pages selling education about those subjects
• pages about credit state explicitly what the company does not promise, using the same standard applied to anyone else making such claims
• the resources page lists free nonprofit alternatives, including ones that overlap with what the company sells
• no reader has to buy anything to use any part of this site

4. No affiliate links and no paid placement

As of the date at the top of this page, and across every page of this site:

If this ever changes, this page changes first. Were the site to add an affiliate relationship, accept payment for coverage, or run advertising, that would be disclosed here and labelled on the page where it appears, before any such link went live. A disclosure page that lags behind the site is a statement that has quietly stopped being true, which is worse than having no page at all.

5. What is not promised

No page on this site, and no conversation that starts from it, promises any of the following. This is stated here in one place because these are precisely the promises used to sell both crypto schemes and predatory credit services.

• any investment return, profit, yield or price movement, and no prediction of any asset's future value
• any credit score, score increase, or score by a particular date
• the removal or deletion of accurate information from a credit report
• any loan, credit limit, approval, funding amount or business credit profile
• any timeframe for a credit, funding or financial result
• recovery of lost, stolen or mistakenly sent crypto, by us or by anyone
• any tax outcome, deduction or treatment
• that any platform, token, service or person described anywhere on this site is safe, solvent, legitimate or suitable for you

6. What we will never ask you for

No form, page, email, chat assistant or conversation connected with this site will ever request:

• a seed phrase, recovery phrase or private key
• a wallet password, passphrase or wallet access of any kind
• a password or login credential for any account
• your Social Security number
• bank, card or exchange account credentials
• a transfer of crypto or cash to any address or account

Anyone asking for these while claiming to be us is impersonating us. No legitimate company, support agent or government agency needs any of them either. Our guides on keys and seed phrases and protecting your assets explain why.

7. Crypto risk

Stated once, in plain terms, because much of this site is about cryptocurrency:

• Crypto assets can lose value quickly and completely. Losing the entire amount is a realistic outcome, not a remote one.
• Crypto transactions are generally irreversible. A payment sent to the wrong address, or to a fraudster, usually cannot be recovered by anyone.
• Crypto held in a wallet or on a platform is not insured by the FDIC, the NCUA or SIPC, whatever a platform's marketing suggests. If a platform fails, there may be no protection at all.
• Whoever holds the private keys controls the asset. Lose them, and there is no password reset and no recovery.
• Rules, tax treatment and platform availability change, and differ by state and by country.

None of this means crypto is a scam, and none of it means it is a good idea for you. It means the risks are real and belong in front of anyone making a decision.

8. Authors, reviewers and testimonials

The site's authors and reviewers are named and pictured on the authors and reviewers page: Ian Lacovara and Jerrica Coyle. Content is published by the company rather than attributed page by page to an individual, and every page is read by a person before it publishes.

No licence, certification, designation or job title beyond "author and reviewer" is claimed for anybody, because none has been verified for publication. No page says that an expert, a licensed professional or a certified specialist wrote or reviewed it, and nobody here is described as an adviser, analyst or specialist of any kind.

That restraint is the honest version. Inventing a credentialled byline would be trivial and is exactly the thing the scam pages on this site teach readers to look for. As verifiable detail is supplied it will be added to the authors page and reflected here, in the same pass.

No testimonials, reviews, endorsements, customer results or case studies appear anywhere on this site. If any are published in future they will be real, obtained with permission, and disclosed in line with Federal Trade Commission guidance on endorsements, including whether anything was given in exchange. No fabricated or representative-but-invented result will ever be published.

How content is produced is disclosed too. Our editorial standards page sets out, in full, which tools may be involved in research and drafting, that factual claims are verified against primary sources rather than taken from any tool's output, that a person reviews every page before it publishes, and that authorship and credentials are never generated. Most sites either stay silent on that or bury it. It is stated there because readers increasingly and reasonably want to know.

9. Third-party links and accuracy

This site links to third-party sites, mainly government agencies and nonprofits. We do not control those sites and are not responsible for their content, availability, accuracy or privacy practices, and a link is not an endorsement of everything a site contains. Addresses and page structures change, and a link that worked at the review date may not work today.

Content here is written to be accurate as at the review date shown on each page, and pages are reviewed and re-dated rather than silently edited. Even so, this field moves quickly: figures, rules and platform behaviour change, and mistakes happen.

If something here is wrong, please tell us. Corrections sent to the contact page are read, and a page that needs fixing gets fixed and re-dated. We would rather be corrected than be confidently wrong in public.

10. Scope, changes and contact

This site is written for readers in the United States. Laws, agencies, protections and tax treatment described here are US ones and may not apply where you live. Nothing here is an offer to provide services in any jurisdiction where doing so would require a registration or licence the company does not hold.

These disclosures may be updated as the site changes. The date at the top of this page shows when they were last revised, and material changes will be reflected there rather than made quietly. Continuing to use the site after a change means the current version applies.

Questions about anything on this page can go to [email protected] or through the contact page. See also our privacy policy, terms of use and editorial standards.