Legal Disclosures & Privacy Policy

Sapphire Bay Holdings is not an investment adviser, broker-dealer, financial planner, registered investment company, or any other form of regulated financial institution. Nothing on this website, in any written materials, in any presentations, or in any communications from Sapphire Bay Holdings or its representatives constitutes investment advice, financial advice, securities recommendations, or solicitation of any kind.

All content on this site — including but not limited to discussions of Bitcoin, monetary policy, wealth strategy, portfolio concepts, and economic philosophy — is provided for educational and informational purposes only. It reflects the views and research of the organization and its principals, and is intended to provoke thought and encourage independent inquiry.

Any financial, investment, or wealth-related decisions you make are your own responsibility. Before making any financial decisions, you should conduct your own independent research and consult with qualified, licensed financial and legal professionals appropriate to your situation.

Sapphire Bay Holdings, its officers, members, and affiliated persons make no representation that the information presented is accurate, complete, current, or suitable for any particular purpose. All content is provided “as is” without warranty of any kind.

Sapphire Bay Holdings is a California-registered Unincorporated Nonprofit Association (CA Reg: 19316), operating under the provisions of California Corporations Code Section 18000 et seq. Its federal Employer Identification Number is 99-1011843.

The organization is structured and operated as a faith-based nonprofit association consistent with the principles of Section 508(c)(1)(A) of the Internal Revenue Code, which recognizes certain faith-based organizations as exempt from federal taxation without requiring a formal determination letter from the Internal Revenue Service.

Sapphire Bay Holdings exists to advance its mission of sound money education, generational family wealth stewardship, and Great Commission-aligned philanthropy. It is not a commercial enterprise and does not operate for the private benefit of any individual.

The organization is not a corporation, limited liability company, or any form of for-profit entity. It has not issued stock, membership interests, partnership interests, or any other securities. It holds no assets on behalf of outside investors and manages no external capital.

Stanton Dennison serves as Secretary of Sapphire Bay Holdings and has full legal authority over organizational affairs and assets.

Sapphire Bay Holdings accepts voluntary donations in support of its educational and charitable mission. Donations are received by Sapphire Bay Holdings, a faith-based unincorporated nonprofit association (EIN: 99-1011843).

Important notice regarding tax deductibility: Sapphire Bay Holdings is structured under Section 508(c)(1)(A) of the Internal Revenue Code as a faith-based organization. However, as of the date of this disclosure, Sapphire Bay Holdings has not received a formal determination letter from the Internal Revenue Service confirming its exempt status or the deductibility of contributions. Donors should not assume that contributions to Sapphire Bay Holdings are tax-deductible for federal or state income tax purposes without first consulting a qualified tax adviser.

We are committed to transparency on this point. If and when a formal IRS determination is received, this disclosure will be updated accordingly.

All donations are used to support the organization's mission: sound money education, family wealth stewardship programming, and charitable distribution to Great Commission ministry partners. No donation proceeds inure to the private benefit of any individual.

Sapphire Bay Holdings does not sell, trade, or share donor information with any third party. Donation receipts are issued to donors upon request and through the applicable donation platform.

Nothing on this website, in any materials provided by Sapphire Bay Holdings, or in any communication from its representatives constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation to purchase or sell any security, investment product, or financial instrument.

Sapphire Bay Holdings does not offer, sell, or manage any securities, investment funds, limited partnerships, pooled investment vehicles, promissory notes, or any other instruments that would constitute securities under applicable federal or state law.

Bitcoin, as discussed on this site, is a decentralized digital commodity. It is not a security under applicable federal law and is not subject to registration requirements under the Securities Act of 1933 or the Securities Exchange Act of 1934. References to Bitcoin on this site are educational in nature and do not constitute a recommendation to purchase, hold, or sell Bitcoin.

References to public companies (including but not limited to Strategy Inc., formerly MicroStrategy) or publicly traded financial instruments on this site are for informational and educational purposes only. Such references do not constitute investment advice or a recommendation to transact in those instruments.

No person affiliated with Sapphire Bay Holdings is registered as an investment adviser with the Securities and Exchange Commission or any state securities regulator in connection with activities conducted through Sapphire Bay Holdings.

This website may include projections, estimates, and hypothetical scenarios, including content generated by the Bitcoin Portfolio Visualizer tool available to registered members.

All projections and visualizations are hypothetical and for educational purposes only. They are based on historical data and user-defined assumptions and do not represent predictions, guarantees, or forecasts of future results.

Past performance of Bitcoin or any asset does not guarantee or predict future results. The price of Bitcoin is highly volatile and can decline substantially over any period. Modeled scenarios showing portfolio growth are illustrative only — they assume inputs that may not reflect actual market conditions, tax treatment, lending availability, or individual circumstances.

No representation is made that any person will achieve results similar to those depicted in any projection, visualization, or scenario on this site. All modeling tools are provided for the purpose of understanding mathematical relationships and historical patterns, not as a basis for making financial decisions.

You should not rely on any projection or visualization on this site as a basis for any investment decision. Consult qualified financial and tax professionals before making any financial decisions.