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Risk Disclosures

Please read these Risk Disclosures carefully before creating an account, participating in governance, using platform services, acquiring digital assets, contributing liquidity, joining savings programs, participating in peer-to-peer transactions, or using any feature of the Cryptosavers Club Platform.

Date Release: June 13, 2026
Terms Privacy Cookie Notice Risk Disclosures

Important Notice

Please read these Risk Disclosures carefully before creating an account, participating in governance, using platform services, acquiring digital assets, contributing liquidity, joining savings programs, participating in peer-to-peer transactions, or using any feature of the Cryptosavers Club Platform ("Platform").

Participation in the Platform is voluntary and involves risks. By using the Platform, you acknowledge that you understand and accept these risks.

These disclosures highlight important risks but may not identify every possible risk associated with digital assets, decentralized technologies, governance systems, and community-driven ecosystems.

1. No Guarantees

The Platform does not guarantee:

  • Profits
  • Returns
  • Rewards
  • Yield generation
  • Token appreciation
  • Liquidity
  • Adoption
  • Market value
  • Future utility
  • Successful completion of any savings goal

Saving digital assets is based on opportunity, participation, and future possibilities. It is not based on guaranteed outcomes.

Any person or organization claiming guaranteed profits, guaranteed yields, or guaranteed appreciation should be approached with caution.

2. Digital Asset Risk

Digital assets are highly speculative and may experience significant price fluctuations.

Users may experience:

  • Loss of value
  • Reduced liquidity
  • Market volatility
  • Delisting from trading venues
  • Reduced adoption
  • Complete loss of value

Digital asset prices can change rapidly and without warning.

Past performance does not predict future performance.

3. Community-Governed Platform Risk

The Platform operates under community governance principles.

Governance decisions may:

  • Modify features
  • Introduce new programs
  • Remove existing services
  • Change reward structures
  • Alter platform functionality
  • Affect future development priorities

Users acknowledge that governance outcomes may not always align with individual preferences.

Participation in governance does not guarantee a particular outcome.

4. Technology Risk

The Platform relies on technology that may experience:

  • Software bugs
  • Programming errors
  • Service interruptions
  • Infrastructure failures
  • Network outages
  • Compatibility issues
  • Data corruption
  • Unexpected malfunctions

No software system is entirely free from defects.

Technical failures may affect access to services, accounts, or transactions.

5. Blockchain Risk

Blockchain networks may experience:

  • Congestion
  • Delays
  • Forks
  • Validator failures
  • Smart contract vulnerabilities
  • Security incidents
  • Network attacks

Blockchain transactions are generally irreversible.

Incorrect wallet addresses, transaction errors, or user mistakes may result in permanent loss of assets.

6. Wallet and Private Key Risk

Users are solely responsible for:

  • Wallet security
  • Private key security
  • Seed phrase protection
  • Device security

Loss of private keys, passwords, recovery phrases, or wallet access may result in permanent loss of digital assets.

The Platform cannot recover lost private keys or reverse blockchain transactions.

7. Liquidity Risk

Liquidity may not always be available.

Users may encounter:

  • Delayed transactions
  • Wide spreads
  • Slippage
  • Limited counterparties
  • Reduced market depth

The ability to convert, transfer, or transact digital assets depends on available liquidity and market participation.

Liquidity conditions can change rapidly.

8. Marketplace and Peer-to-Peer Risk

Peer-to-peer transactions involve risks including:

  • Counterparty default
  • Delayed settlement
  • Fraudulent activity
  • Payment disputes
  • Miscommunication
  • Human error

While the Platform may provide tools to facilitate transactions, users remain responsible for evaluating counterparties and exercising caution.

9. Escrow Risk

Escrow mechanisms may reduce certain transaction risks but cannot eliminate all risks.

Potential risks include:

  • Disputes between parties
  • Verification delays
  • Documentation issues
  • Compliance restrictions
  • Technical failures

Users should review transaction details carefully before proceeding.

10. Rewards and Incentive Program Risk

Rewards, incentives, and participation programs may be modified, suspended, reduced, or discontinued.

Users should not rely on:

  • Continued availability of rewards
  • Fixed reward rates
  • Future distributions
  • Historical reward levels

All programs are subject to governance decisions, platform sustainability requirements, operational considerations, and applicable regulations.

11. Regulatory Risk

Digital asset regulations continue to evolve globally.

Future laws, regulations, policies, or regulatory actions may affect:

  • Platform functionality
  • User participation
  • Digital asset transactions
  • Governance activities
  • Availability of services

Certain services may become restricted or unavailable in specific jurisdictions.

Users are responsible for understanding applicable laws in their jurisdiction.

12. Compliance Risk

The Platform may implement:

  • KYC requirements
  • KYB requirements
  • AML procedures
  • Sanctions screening
  • Travel Rule compliance

Users may lose access to certain features if compliance requirements are not satisfied.

Additional verification may be required at any time.

13. Third-Party Service Provider Risk

Certain services may be provided by independent third-party providers.

The Platform does not control:

  • Service availability
  • Business operations
  • Regulatory status
  • Security practices
  • Financial condition

Third-party failures may affect user access to services.

Users should review the terms and disclosures of all third-party providers they use.

14. Cybersecurity Risk

The Platform may be targeted by:

  • Hackers
  • Phishing attacks
  • Malware
  • Social engineering attacks
  • Credential theft
  • Denial-of-service attacks

No system can guarantee complete protection against cybersecurity threats.

Users should maintain strong security practices.

15. Stablecoin Risk

Stablecoins are designed to maintain a target value but may:

  • Trade above or below target value
  • Experience liquidity shortages
  • Face regulatory restrictions
  • Encounter reserve-related issues
  • Lose market confidence

A stablecoin's target value is not a guarantee.

16. Governance Token Risk

Governance and rewards tokens may:

  • Experience volatility
  • Lose utility
  • Lose adoption
  • Experience reduced demand
  • Be affected by governance outcomes

Users should not acquire governance tokens with the expectation of guaranteed appreciation.

17. Economic and Market Conditions

Broader economic conditions may affect:

  • Digital asset prices
  • User participation
  • Liquidity
  • Adoption rates
  • Platform growth

Factors may include:

  • Inflation
  • Interest rates
  • Recessions
  • Financial crises
  • Geopolitical events
  • Regulatory developments

These factors are beyond the Platform's control.

18. Tax Risk

Tax treatment of digital assets varies by jurisdiction.

Users are solely responsible for:

  • Tax reporting
  • Tax compliance
  • Record keeping
  • Seeking professional tax advice

The Platform does not provide tax advice.

19. No Financial, Legal, or Tax Advice

Information provided by the Platform is for educational and informational purposes only.

Nothing on the Platform constitutes:

  • Financial advice
  • Investment advice
  • Legal advice
  • Tax advice
  • Accounting advice

Users should consult qualified professionals before making financial decisions.

20. Force Majeure

The Platform shall not be responsible for delays, interruptions, or failures caused by circumstances beyond reasonable control, including:

  • Natural disasters
  • War
  • Terrorism
  • Government actions
  • Internet disruptions
  • Infrastructure failures
  • Pandemics
  • Utility interruptions

21. Assumption of Risk

By using the Platform, you acknowledge and accept that:

  • Participation is voluntary.
  • Digital assets involve risk.
  • Losses may occur.
  • No outcomes are guaranteed.
  • Technology and regulatory environments may change.
  • You are responsible for your own decisions.

You should participate only if you fully understand and are willing to accept these risks.

Plain Language Summary

Summary:

  • Saving digital assets is about opportunity, not guarantees.
  • Digital asset values can rise or fall.
  • Liquidity may not always be available.
  • Blockchain transactions are usually irreversible.
  • Wallet and private key security are your responsibility.
  • Rewards, incentives, and programs may change or stop.
  • Regulations may change and affect platform services.
  • Third-party providers may create additional risks.
  • The Platform does not provide financial, legal, or tax advice.
  • Participate only if you understand and accept the risks.
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