01You can lose money
You should only invest money you can afford to leave invested, and that you could afford to lose without affecting your financial commitments or standard of living.
Never invest borrowed money, and never invest funds you may need at short notice for living costs, debts, or emergencies.
02Returns are targets, not promises
Every percentage shown on this website, including plan target-return ranges and any figure of up to 25%, describes an objective the Company works towards. It is not a promise, a projection, or a commitment to pay.
Actual performance in any period may be below the target, at the target, above it, or zero, and may be negative. Periods of positive performance may be followed by periods of loss.
Any historical or illustrative performance shown is not a reliable indicator of future results.
03Limits of the capital-protection objective
The Company operates an objective of preserving at least 75% of your original principal. You should understand clearly what that does and does not mean.
- It is an objective and an undertaking subject to conditions, not an insurance policy, a bank deposit guarantee, or a protection scheme backed by a third party.
- It does not guarantee that all of your capital will be returned in every circumstance.
- It does not guarantee any profit.
- It is subject to the applicable agreement, available liquidity, withdrawal procedures, events outside the Company's reasonable control, and applicable law.
- The remainder of your capital is exposed to market and investment risk.
If the ability to meet this objective is ever affected by market conditions or the financial position of the Company, you could receive less than the protected portion.
04Your money may not be available immediately
Capital is committed to active investment positions and is not held as cash waiting to be returned. This has direct consequences for you.
- Profit withdrawals are normally processed within 24 hours to 7 days.
- Full capital withdrawals have an expected minimum period of 7 days and may take up to 1 year, depending on liquidity and open positions.
- An urgent exit before that period may carry an early-exit adjustment of up to 25% of your original capital.
You should therefore treat any money you invest as committed for the medium term, and should not rely on being able to access it quickly.
05Risks of a pooled structure
Your funds are managed together with those of other investors in a pooled structure. This brings diversification, but also specific risks:
- you do not control the timing, size, asset, or execution of individual transactions;
- decisions are made for the pool as a whole and may not suit your individual circumstances;
- the actions of the pool, including withdrawal demands from other investors, can affect liquidity available to you; and
- you depend on the skill, judgement, and integrity of the investment management team.
06Market and trading risk
Financial markets are affected by factors that no manager can control, including:
- volatility and rapid price movements;
- gaps in price between one trade and the next, so that losses exceed expectations;
- reduced liquidity, making positions difficult to exit at a fair price;
- economic, political, and regulatory events;
- currency movements where assets are held in another currency;
- concentration, where several positions are affected by the same event; and
- the use of leverage, if applied, which magnifies both gains and losses.
07Operational and technology risk
Investing through an online platform carries risks beyond the market itself, including system failures, connectivity problems, delays in execution, errors in processing, cyber-attack, and disruption at banks or payment providers.
These events can delay transactions, including withdrawals, and in some cases can cause financial loss.
08Counterparty and business risk
You are exposed to the Company itself. If the Company were to suffer serious financial difficulty, cease trading, or fail to operate as intended, your ability to recover your capital could be affected regardless of how the underlying investments performed.
Assets and funds may be held with banks, brokers, exchanges, or payment providers, and the failure of any of these third parties could also affect your investment.
09Regulatory and legal risk
Laws and regulations covering investment services, pooled investment structures, and cross-border payments can change, and different rules may apply depending on where you live.
Changes in law or regulation may affect how the service operates, the availability of certain investments, the timing of withdrawals, your tax position, or the Company's ability to continue offering the service in your country.
It is your responsibility to satisfy yourself that you may lawfully invest from your country of residence.
10Tax
Any tax due on your returns is your responsibility. The treatment of investment income depends on your individual circumstances and on the rules in your country of residence, and those rules may change.
The Company does not provide tax advice. You should consult a qualified tax adviser about your own position.
11No personal advice
Nothing on this website, in our marketing material, in performance reports, or in communications from our team constitutes personalised financial, legal, or tax advice, or a recommendation that a particular investment is suitable for you.
No assessment of your personal circumstances, objectives, knowledge, experience, or financial situation is carried out on your behalf unless we tell you otherwise in writing.
If you are unsure whether this type of investment is appropriate for you, you should seek independent professional advice before proceeding.
12Warning signs and unauthorised promises
No employee, affiliate, marketer, or third party is authorised to promise you a guaranteed rate of profit. If anyone offers you a guaranteed return, pressures you to invest quickly, discourages you from taking advice, or asks you to send money outside the official payment methods, treat it as a warning sign.
Please report anything of this kind to us through the contact page immediately.
13Your acknowledgement
By investing, you confirm that you have read and understood this risk disclosure, that you accept the risks described, that you understand returns are not guaranteed and capital is at risk, and that you are investing money you can afford to have at risk.
This disclosure should be read together with our terms and conditions.