Risk Disclosure

IMPORTANT: Cryptocurrencies and related financial products are high-risk instruments. Review the risks before participating. Main risks: 1. Volatility. Crypto asset prices can move by tens of percent per day. Historical performance does NOT guarantee future results. 2. Total loss. Full loss of invested funds is possible. No crypto product provides legally protected deposit guarantees. 3. No regulatory protection. Many crypto products fall outside deposit insurance schemes (FDIC, DGS, etc.). 4. Fraud risk. The crypto industry contains a significant number of scam projects, Ponzi schemes, and MLM structures. Even products with formal legal documentation may prove dishonest. 5. Technical risks. Smart contract bugs, exchange hacks, lost private keys, wallet bugs — all can cause loss of funds. 6. Liquidity. Some crypto assets cannot be quickly sold at fair price. Internal project tokens may have zero real liquidity. 7. Regulatory risks. Cryptocurrencies may be banned or restricted in your jurisdiction at any time. Compliance with local law is your personal responsibility. 8. MLM / affiliate structures. Some products in our catalog operate on a multi-level referral model. This increases dependence on continuous inflow of new participants. 9. Counterparty risk. Companies operating products may stop payouts, go bankrupt, or abscond with user funds. Recommendations: • Never invest more than you can afford to lose entirely. • Diversify across different products and asset classes. • Verify company documents yourself. • Consult an independent licensed financial advisor. Tochka Kapitala provides information about products but does not guarantee their reliability. All participation decisions are solely your responsibility.