Risk Disclosure Statement

This Risk Disclosure Statement ("Disclosure") is provided by Wealtii (operated by its founder, Zayd Ahmed) ("Wealtii", "we", "us", "our") to help you understand the risks involved in cryptocurrency investing and using our platform. Investing always carries risk - and crypto is no exception. We believe you deserve clear, honest information so you can make confident decisions. This Disclosure should be read alongside our Terms of Service and Privacy Policy.

We strongly encourage you to read this entire Disclosure before using our Services. The risks described here are real and have affected investors in the past. If anything is unclear, take your time - and consider seeking advice from a qualified financial, legal, or tax professional. Our goal is not to scare you, but to make sure you are fully informed before you invest.

By using our Services, you confirm that: (a) you have read and understood this Risk Disclosure; (b) you understand that cryptocurrency investments can go up or down - including to zero; (c) you are making your own independent decision to invest; (d) you are only investing money you can afford to lose without affecting your financial wellbeing; and (e) you accept responsibility for your investment decisions.

Wealtii is currently operated by its founder, Zayd Ahmed. A formal legal entity has not yet been established; we are working towards formal company registration. Wealtii is not registered or licensed as a broker-dealer, investment adviser, money services business (MSB) or virtual asset service provider (VASP) with any regulator (such as the SEC, FINRA or FCA), and it is not regulated. Card and bank purchases of USDT are handled by licensed third-party on-ramp providers.

What this means for you: (a) you do not have the protections that apply when you use a regulated firm, such as supervision by a financial regulator or a regulator-backed complaints or compensation scheme; (b) your assets are not covered by deposit insurance, an investor-compensation scheme or crypto insurance; (c) the platform has not yet had a third-party security audit or penetration test; (d) because Wealtii is run by its founder, the illness, incapacity or unavailability of one person could disrupt or delay the service (key person risk); and (e) services may change as legal requirements become clearer.

Wealtii does not provide financial advice, investment advice, tax advice, or legal advice. Nothing on our platform or in our communications is a recommendation to buy, sell, or hold any digital asset. All information is for general educational purposes only. Your decision to invest is entirely your own, based on your personal circumstances and risk tolerance. If you are unsure, please consult with a qualified professional.

This Disclosure covers many important risks, but it cannot cover every possible scenario. The cryptocurrency space evolves rapidly, and new risks can emerge at any time. Risks can also combine in unexpected ways. The fact that a risk is not mentioned here does not mean it does not exist. We encourage you to stay informed and continuously educate yourself about the digital asset landscape.

We recommend checking back on this Disclosure from time to time. Wealtii may update it to reflect new developments. When we make important changes, we will update the "Last Updated" date and notify you through appropriate channels. Your continued use of the Services after updates means you accept the revised Disclosure.

The value of digital assets can go down - even to zero. Unlike bank deposits, crypto is not backed by any government or central bank. Its value depends on market demand, adoption, and sentiment, all of which can shift quickly.

Spreading your money across several assets, as Wealtii's index funds do, reduces your exposure to any single asset. It does not protect you from losses when most digital assets fall at the same time.

The bottom line: only invest money you can afford to lose without affecting your daily life or financial commitments.

Crypto prices can move dramatically - sometimes 10%, 20%, or more in a single day. This volatility can be caused by news events, regulatory announcements, social media trends, large trades by major holders, or simply shifts in market sentiment.

Holding several assets can reduce the impact of one asset's price swings, but digital assets often fall together, so a diversified fund can still lose a large part of its value quickly. You should be comfortable with large, sudden changes in the value of your portfolio.

Wealtii does not guarantee any returns on your investment. No one can predict whether digital assets will go up, stay flat, or decline. Any historical performance data, charts, or information provided on the platform is for educational purposes only - it is not a promise of future results.

Market conditions, technology developments, regulation, and competition can all change. What worked in the past may not work in the future. Make your decisions based on your own research and financial situation, not on past performance alone.

Just because a digital asset or index fund has performed well in the past does not mean it will continue to do so. Digital asset markets are still relatively young and have gone through multiple boom-and-bust cycles. Many assets that once surged in value later lost most or all of it.

Charts and historical data can be helpful context, but they should not be the primary basis for your investment decisions. Focus on current market conditions, your financial goals, and your personal risk tolerance.

Digital assets on Wealtii are not covered by government deposit insurance programmes like FDIC (US), FSCS (UK), or similar schemes. If the value of your assets declines, there is no government safety net to reimburse you.

This is different from a traditional bank account where deposits are insured up to a certain limit. When investing in digital assets, you bear the full risk - which is why we encourage you to only invest what you can comfortably afford to lose.

Unlike stocks (which represent company earnings) or bonds (which pay interest), most digital assets do not generate cash flow. Their price reflects what people are willing to pay at any given moment - which is heavily influenced by sentiment, hype, and momentum.

This speculative nature means prices can become disconnected from any rational measure of value. Bubbles can form and burst. Wealtii's index fund approach helps by diversifying across established assets rather than concentrating on any single speculative bet - but diversification does not eliminate risk entirely.

If you put too much of your total savings into any single asset class - including crypto - you face concentration risk. Digital assets tend to be correlated, meaning when one major crypto drops, many others drop too.

A healthy approach is to keep your crypto allocation at a level you are comfortable losing entirely, while maintaining a broader mix of assets (savings, property, traditional investments) appropriate for your goals and circumstances.

Once a blockchain transaction is confirmed, it cannot be reversed, cancelled, or undone. This is fundamentally different from credit card payments or bank transfers where you might be able to dispute or reverse a transaction.

If you send crypto to the wrong address, fall victim to a scam, or make an error, the funds are usually gone permanently. Always double-check transaction details - especially wallet addresses - before confirming. Wealtii cannot reverse blockchain transactions once they are broadcast.

Digital asset markets have less regulatory oversight than traditional stock markets, which means manipulation can occur more easily. This includes "pump and dump" schemes, wash trading (fake volume), spoofing (fake orders), and coordinated social media campaigns designed to move prices.

Because these practices can be harder to detect and prevent in crypto, you may unknowingly buy or sell at manipulated prices. Stay informed, be sceptical of sudden hype, and make decisions based on research rather than social media excitement.

Unlike stock markets that close at the end of each trading day, digital asset markets run 24 hours a day, 7 days a week, 365 days a year. Significant price moves can happen while you are asleep, on holiday, or otherwise away from your screen.

This means you cannot always react immediately to market events. Wealtii's index fund approach - where your investment is spread across multiple assets - can help reduce the impact of sudden moves in any single asset.

Liquidity is how easily you can buy or sell an asset without significantly affecting its price. While major cryptocurrencies like Bitcoin and Ethereum generally have good liquidity, smaller assets may not.

During market stress, even liquid assets can become hard to sell quickly or at a fair price. Spreads (the gap between buy and sell prices) can widen, and large orders may move the market. This means you might not always get the price you expect, especially during turbulent times.

There is no universally accepted way to determine the "fair value" of a cryptocurrency. Traditional methods like price-to-earnings ratios do not apply. Prices are driven by supply, demand, sentiment, and adoption - making it difficult to know whether something is overvalued or undervalued.

Different platforms may also show slightly different prices for the same asset. Be cautious about assuming any price is the "true" value, and use multiple sources when making investment decisions.

The crypto ecosystem is interconnected. If a major exchange collapses, a major stablecoin loses its peg, or a significant protocol is hacked, the effects can ripple across the entire market. These systemic events can cause widespread price drops that affect even well-diversified portfolios.

Historical examples include the collapse of major crypto entities in 2022-2023, which caused broad market declines. While Wealtii's index fund structure provides more protection than holding a single asset, it cannot fully shield you from market-wide events.

In many cryptocurrencies, a small number of wallets (known as "whales") hold a large percentage of the total supply. When a whale buys or sells a significant amount, it can move the market. You have no control over what whales do, and their actions can significantly affect prices without any connection to the asset's fundamentals.

Most cryptocurrencies tend to move in the same direction - especially during downturns. When Bitcoin drops sharply, most other digital assets tend to follow. This high correlation means that holding multiple different cryptocurrencies may not provide as much diversification as holding truly different asset classes (like stocks, bonds, and property).

Wealtii's index funds spread risk across multiple digital assets, which helps - but during a broad market crash, most crypto assets tend to fall together.

Crypto trading happens across hundreds of platforms worldwide, and prices can differ between them. The price you see on Wealtii may not match prices on other platforms at exactly the same moment. These differences are normal and usually small, but can widen during extreme volatility.

Like any online service, Wealtii may experience temporary downtime due to maintenance, technical issues, high traffic, cyber attacks, or other unforeseen circumstances. During these periods, you may not be able to access your account, view your holdings, or execute transactions.

We work to keep the platform running and to minimise interruptions, but we cannot promise uninterrupted service. If significant price movements occur during an outage, you may not be able to respond until service is restored.

When you place an order on Wealtii, several factors can affect how it is executed:

• Market orders may fill at a different price than displayed, especially during fast-moving markets (this is called "slippage").
• Limit orders may only partially fill or may not fill at all if the price does not reach your target.
• During periods of extreme volatility or high demand, orders may be delayed.

We do our best to process orders quickly and fairly, but we cannot guarantee execution at any specific price or time.

Wealtii relies on complex software to operate. Despite careful testing, software can contain bugs, errors, or vulnerabilities that may cause incorrect displays, processing errors, or temporary malfunctions.

We continuously update and improve our systems, and we address issues as quickly as possible when they arise. However, no software is perfect, and you should verify important information independently when making significant decisions.

Prices, balances, charts, and other data shown on the platform are provided as accurately as possible, but may occasionally be delayed, incomplete, or incorrect due to technical issues or data feed problems.

If you notice anything that looks wrong, contact our support team before taking action. We are not responsible for decisions made based on temporarily inaccurate displayed information.

User fund assets are held 1:1 on your behalf in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain. Moving vault funds requires all three signatures, which gives stronger protection against unauthorised transfers than a single-key wallet.

No custody arrangement removes all risk. Potential risks include security breaches, technical failures, operational errors or regulatory action. Your assets on Wealtii are not covered by deposit insurance, an investor-compensation scheme or crypto insurance. You should only keep on the platform what you are actively investing.

Wealtii may add, modify, or remove features, supported assets, fee structures, or other aspects of the Services at any time. Changes may be needed for regulatory compliance, security, technical, or business reasons.

We will provide reasonable notice for significant changes, but some changes (especially security-related ones) may need to happen immediately. If the platform were ever to be discontinued, we would make every effort to give you time and opportunity to withdraw your assets.

Wealtii relies on selected third-party providers for services including blockchain infrastructure, market data, email delivery, identity verification, and secure storage. We choose our partners carefully, but we cannot control their operations or guarantee they will never have issues.

If a provider experiences downtime, a security breach, or discontinues service, it could temporarily affect parts of the platform. We work to limit the impact of such problems, but some third-party risk cannot be eliminated.

Despite careful procedures and safeguards, mistakes happen. Operational errors - whether by platform staff or automated systems - could occasionally result in incorrect processing of a transaction, fee calculation, or account balance.

If you notice an error, please contact support immediately. We will investigate and correct genuine errors as quickly as possible. However, some errors (especially confirmed blockchain transactions) may not be reversible.

Rules around cryptocurrency vary significantly from country to country and are changing rapidly. Governments and regulators are still figuring out how to classify and oversee digital assets. New rules could: restrict certain activities, impose new taxes, require additional disclosures, or change how platforms like Wealtii operate.

Regulatory changes can happen quickly and can significantly affect the value of digital assets and your ability to use the platform. We monitor the regulatory landscape closely and adapt as needed.

Different countries classify digital assets differently - some treat them as property, some as securities, some as currency, and some have not classified them at all. This legal uncertainty means that the rights and protections available to you may vary depending on where you live and which assets you hold.

Legal classifications can also change over time, which could affect taxation, trading permissions, and legal remedies. Stay informed about the rules that apply in your jurisdiction.

Some countries have already banned or heavily restricted cryptocurrency. Others may do so in the future. If your country (or a country where Wealtii operates) imposes new restrictions, it could affect your ability to trade, withdraw funds, or access the platform.

Wealtii complies with applicable laws, which may occasionally require us to restrict or suspend services for users in certain jurisdictions. We will communicate any such changes as clearly and promptly as possible.

In most countries, buying, selling, or holding digital assets has tax implications. You may owe capital gains tax, income tax, or other taxes on your crypto activities. Tax rules vary by jurisdiction, can be complex, and are subject to change.

You are solely responsible for understanding and meeting your tax obligations. Wealtii may report certain information to tax authorities as required by law. We strongly recommend consulting a qualified tax professional if you are unsure about your obligations.

No ID documents are needed to start: verify your email and you can invest up to $10,000. ID verification unlocks higher limits (up to $100,000 per day at the Intermediate level and no platform limit at the Advanced level). Wealtii applies these identity verification (KYC) and anti-money laundering (AML) practices voluntarily. We may ask you for identification documents and personal information, request details about the source of your funds, apply limits based on your verification level, and freeze accounts if required by law.

If you cannot complete verification when asked, your access to higher limits, or to your account, may be restricted. Card and bank on-ramp providers run their own identity checks.

Crypto can be sent across borders almost instantly, but the legal rules governing those transactions differ by country. You could be subject to foreign exchange regulations, capital controls, or sanctions depending on where you and the recipient are located.

If you make cross-border transactions, it is your responsibility to ensure you are complying with the laws of all relevant jurisdictions.

As explained in Section 1.4: Wealtii is currently operated by its founder, Zayd Ahmed. A formal legal entity has not yet been established; we are working towards formal company registration. Wealtii does not hold any financial-services licence or registration. We apply our AML/KYC Policy voluntarily and monitor regulatory developments.

New laws, or a regulator's view of Wealtii's activities, could require us to change, restrict or stop the Services, including in your country. We will tell you about significant changes that affect the platform.

If something goes wrong with your investment, your legal options may be more limited than with traditional investments. The legal framework for crypto disputes is still developing, cross-border cases can be complex and expensive, and crypto transactions are generally irreversible.

Please review the dispute resolution and liability provisions in our Terms of Service carefully. In some situations, losses may not be recoverable through legal action.

Digital asset platforms are attractive targets for hackers because digital assets are valuable and blockchain transactions are irreversible. The industry has seen billions of dollars stolen in security breaches over the years.

Wealtii's security measures include encrypted connections, one-time email codes at sign-in, optional authenticator-app (TOTP) two-factor authentication, and a 3-of-3 multi-signature vault for fund movements. The platform has not yet had a third-party security audit or penetration test, and no system is hacker-proof. In the event of a breach, some loss could occur.

A significant part of security is in your hands. You are responsible for:

• Using a strong, unique password (at least 8 characters).
• Enabling two-factor authentication (we support authenticator apps like Google Authenticator).
• Never sharing your login credentials with anyone.
• Being vigilant against phishing emails and fake websites.
• Keeping your devices secure and software up to date.
• Logging out on shared or public computers.

If your credentials are compromised through your own actions or negligence, we may not be able to recover stolen assets.

Phishing attacks targeting crypto users are increasingly sophisticated. Watch out for:

• Fake emails claiming to be from Wealtii asking you to click links or "verify" your account.
• Websites that look like our login page but have a slightly different URL.
• People on social media claiming to be Wealtii support staff.
• Malware that replaces wallet addresses when you copy-paste them.

Wealtii will never ask you to: provide your password, send funds to an external address for "verification", or disable your security features. Always check the URL before entering your credentials. When in doubt, contact our support team directly.

The security of your computer, phone, or tablet directly affects your account security. Compromised devices can be used to steal your credentials, capture authentication codes, or make unauthorised transactions.

Keep your devices updated, use reputable antivirus software, avoid untrusted downloads, use secure networks (not public Wi-Fi for financial transactions), and physically secure your devices. Wealtii is not responsible for losses resulting from compromised personal devices.

While we are committed to protecting your personal data (see our Privacy Policy), risks exist including potential data breaches, legal requirements to share information with authorities, and the fact that blockchain transactions are publicly visible by nature.

We implement strong technical measures to protect your data, but we cannot guarantee absolute privacy or security. You should also take reasonable steps to protect your own information.

Some digital assets and platform operations may involve smart contracts - automated programmes on the blockchain. Smart contracts can contain bugs or vulnerabilities that could potentially be exploited, even if they have been professionally reviewed.

If a smart contract fails or is exploited, it could affect the value of related assets. Wealtii's vault uses Safe (formerly Gnosis Safe) multi-signature contracts, which are widely used, but Wealtii's own platform has not yet had a third-party security audit, and no review process finds every vulnerability.

Digital assets depend on cryptographic algorithms to stay secure. While current encryption methods are considered strong, future developments - especially in quantum computing - could potentially weaken them. If a cryptographic breakthrough made it possible to forge transactions, the entire security model of affected blockchains could be compromised.

This is a long-term, low-probability risk, but one worth being aware of as the technology evolves.

If a security incident does occur, Wealtii has procedures to detect, contain, and respond to it as quickly as possible. We will notify affected users and relevant authorities promptly.

However, due to the irreversible nature of blockchain transactions, stolen assets may not be recoverable. While we maintain response plans and backups, no recovery plan can guarantee 100% restoration in every scenario.

During periods of high activity or market volatility, our systems may experience slower response times. Orders could take longer to process, prices might not update instantly, and page loads may be slower than usual.

In fast-moving markets, even a few seconds of delay can mean a different price. We optimise for speed and reliability, but we cannot guarantee real-time processing at every moment, especially during peak demand.

Wealtii connects to external services including blockchain networks, market data providers, and email systems. If any of these services experience issues - such as downtime, incorrect data, or connectivity problems - parts of the platform may be temporarily affected.

We monitor our systems closely and address issues as quickly as they arise, but disruptions from external services are sometimes outside our immediate control.

Prices and market data displayed on the platform come from reputable external providers. While we strive for accuracy, there may be occasional delays, errors, or gaps in the data.

Do not rely solely on any single data source for important trading decisions. Verify prices across multiple sources when making significant transactions.

Our platform runs on professional-grade infrastructure with redundancy and failover systems. However, infrastructure failures - including data centre issues, network outages, power failures, or natural disasters - can still cause service interruptions.

During extended outages, you may be unable to access your account or execute transactions. We will work to restore service as quickly as possible, but we cannot promise specific recovery times. Because Wealtii is run by its founder, recovery may take longer than at a larger firm.

We regularly update our platform to add features, fix bugs, and improve security. Occasionally, updates may introduce new issues, cause brief downtime, or change how things look and work.

Major updates are tested before deployment, but edge cases can sometimes slip through. If you notice anything unusual after an update, please let our support team know.

Blockchain networks have limited capacity. When demand is high, transactions can take longer to confirm and network fees can spike significantly. This affects deposits, withdrawals, and other on-chain operations.

During congestion, your transactions may be delayed - sometimes for hours. Wealtii has no control over blockchain network conditions and cannot speed up confirmations beyond setting appropriate fee levels.

We test the platform on common browsers and devices, but we cannot guarantee compatibility with every possible configuration. Outdated browsers, unusual extensions, or unsupported devices may cause display issues or reduced functionality.

For the best experience, use an up-to-date browser from a reputable vendor, minimise untrusted extensions, and clear your cache periodically.

We maintain regular backups and disaster recovery procedures. However, backups may not capture every piece of data in real-time, and restoration can take time. In extreme scenarios affecting both primary and backup systems, some data could be lost.

We recommend keeping your own records of account activity, transactions, and important details - do not rely solely on the platform as your only record.

Every cryptocurrency runs on a protocol - a set of rules that governs how the network operates. Protocols can have bugs, design flaws, or vulnerabilities that might cause the network to malfunction, lose value, or be exploited.

Even well-established protocols with years of operation are not immune to newly discovered issues. If a protocol underlying one of your investments fails, it could lose some or all of its value.

Sometimes a blockchain community disagrees about how the network should operate. This can result in a "hard fork" - where the blockchain splits into two separate versions. When this happens, you might end up with tokens on both chains, and there may be confusion about which one retains value.

Wealtii will make reasonable efforts to support valuable forks, but we cannot guarantee support for every fork, and there may be delays in crediting forked assets.

If a single entity gains control of more than 50% of a blockchain network's processing power, they could potentially reverse transactions, double-spend funds, or censor other users. While this is very difficult and expensive on large networks like Bitcoin or Ethereum, smaller networks are more vulnerable.

Successful 51% attacks have happened on smaller cryptocurrencies. Wealtii's index funds primarily include established, well-secured assets to mitigate this risk.

Crypto moves fast. What is cutting-edge today could be outdated tomorrow as newer, better protocols emerge. Early cryptocurrencies that once had significant value have faded into irrelevance as the technology evolved.

Even major cryptocurrencies could face obsolescence risk if they fail to adapt. This is another reason why Wealtii's index fund approach - which can adjust its composition over time - helps reduce the risk of being stuck in a declining asset.

A healthy crypto project needs active developers and an engaged community. If key developers leave, funding dries up, or the community fractures, the project can stagnate and lose value.

When evaluating any digital asset, consider the strength of its development team and community. Projects without active maintenance may decline over time.

The value of most digital assets depends heavily on how many people use them. More users typically means more value. But network effects can work in reverse too - if users start leaving, each departure makes the asset less valuable for everyone else.

Predicting which projects will achieve lasting adoption is very difficult, even for experts.

Every digital asset has a set of economic rules (called "tokenomics") that govern supply, inflation, distribution, and incentives. Poorly designed tokenomics can lead to inflation that erodes value, large "unlock" events that crash the price, or incentive structures that reward bad behaviour.

Understanding tokenomics can be complex, but it is an important factor in evaluating any digital asset.

Different digital assets face different regulatory treatment. Some may be classified as securities (subjecting them to strict rules), while others may be treated as commodities or currencies. These classifications can change over time.

If an asset you hold is reclassified by regulators, it could be delisted from platforms, face trading restrictions, or lose value quickly. Wealtii monitors regulatory developments and will communicate any impacts to users.

The Tech & Digital Asset Growth Fund and the Multi-Asset Balanced Allocation Fund hold tokenized stocks and ETFs issued through Ondo Global Markets (tokens ending in "on", such as NVDAon or SPYon). These tokens give economic exposure to the underlying security; holders do not get shareholder voting rights. Their value depends on the issuer and its custody and redemption arrangements, and trading of the tokens may be paused or restricted. Ondo restricts these products for US persons, so funds containing them may not be available in all jurisdictions, including the United States.

Some fund holdings are tokens that represent an asset held by a third party. BTCB (Binance-Peg Bitcoin) is a BEP-20 token issued by Binance and backed by bitcoin held by Binance, so it carries the risk that the issuer fails or does not honour the backing. Tether Gold (XAUT) represents one troy fine ounce of gold on a London Good Delivery bar and is issued by TG Commodities (Tether), so its value also depends on the issuer. Tokenized silver ETF exposure (SLVon) carries the tokenized-stock risks described in Section 8.9.

Slippage happens when the price you get on a trade is different from the price you expected. This usually occurs during volatile periods, when liquidity is thin, or when you place a large order relative to the available market depth.

For market orders, slippage is particularly common during fast price movements. Limit orders can help you control the price you pay, but they are not guaranteed to fill.

Not all orders are guaranteed to fill completely. Limit orders may only partially fill if there is not enough liquidity at your target price. Orders are generally processed on a first-come, first-served basis at each price level.

If your order only partially fills, you may need to place additional orders or adjust your price. You are responsible for monitoring your order status.

Orders may be rejected if you have insufficient balance, if the order falls outside system limits, or if there are technical issues. Blockchain transactions can also fail due to network congestion, insufficient fees, or technical errors.

Failed blockchain transactions may still incur network fees even though the intended action did not complete. Always verify that your transactions have been confirmed.

Trades on the platform are typically settled promptly, but delays can occur during maintenance, high-volume periods, or technical issues. Blockchain transactions (deposits and withdrawals) depend on network confirmation times, which can range from minutes to hours depending on network congestion.

During delays, your balance may show pending amounts, and you may not be able to use those funds until confirmation is complete.

Wealtii may set minimum and maximum order sizes for different assets and verification levels. These limits exist for technical, liquidity, risk management, and regulatory reasons.

If your desired transaction exceeds the maximum, you may need to split it into multiple smaller orders over time. Familiarise yourself with applicable limits before placing orders.

Withdrawals of digital assets may not be instant. Processing time depends on: security verification steps, compliance checks, blockchain confirmation times, and the withdrawal amount.

Large or unusual withdrawals may require additional review for security purposes. You should plan ahead and not assume withdrawals will be completed instantly. We process withdrawals as quickly and securely as we can.

Cryptocurrency addresses are long strings of characters, and a single wrong character means your funds go to the wrong place - permanently. Common mistakes include: copying the wrong address, sending to an address for a different blockchain, or having clipboard malware change the address after you copy it.

Always double-check the full withdrawal address before confirming. Start with a small test transaction when sending to a new address for the first time. Wealtii cannot recover funds sent to an incorrect address.

Delays, partial fills, or system issues may cause you to miss a trading opportunity. In fast-moving markets, even brief delays can result in significantly different outcomes. The 24/7 nature of crypto means opportunities can appear and disappear at any hour.

While this is frustrating, missed opportunities are an inherent part of trading. We work to minimise technical delays, but cannot guarantee execution of every order at every desired moment.

Wealtii uses carefully selected third-party providers for essential functions including: blockchain infrastructure, market data, identity verification (KYC), email delivery, and secure storage. We choose providers based on their reliability and security track record.

However, we cannot control their operations. If a provider has an outage, breach, or discontinues service, it could temporarily affect parts of the platform. We maintain backup plans, but some third-party risk is unavoidable.

Wealtii holds your deposits in a secure multi-signature vault on the blockchain. This means multiple authorised approvals are required before any funds can be moved, providing strong protection against unauthorised transfers. Your private keys are never stored - they exist only briefly in secure memory during transaction signing and are immediately discarded.

Despite these measures, custody always carries some risk: security breaches, technical failures, regulatory actions, or insolvency could potentially affect access to assets. Unlike bank deposits, crypto is not government-insured. We take custody seriously, but you should understand these risks.

For security and efficiency, user funds may be held in shared (pooled) wallets. We maintain detailed internal records of each user's individual balance. In normal operations, this is seamless - you can deposit, invest, and withdraw as expected.

However, in extreme scenarios (like insolvency proceedings), pooled storage could create legal complexity around recovering individual assets. We maintain strict internal accounting to ensure accurate record-keeping of every user's holdings.

If Wealtii were to experience serious financial difficulty or insolvency, your ability to access or withdraw your assets could be affected. Proceedings could take time, and the outcome is uncertain - particularly because the legal treatment of crypto in bankruptcy varies by jurisdiction.

This is why we encourage diversification and only investing what you can afford to lose. Section 1.4 explains Wealtii's current stage and legal status.

Wealtii accepts deposits and processes withdrawals in USDT (a cryptocurrency stablecoin). These transactions travel on blockchain networks and are subject to: network confirmation times, congestion, and variable network fees.

If you are new to crypto and need to acquire USDT, we provide guidance on how to buy it by card or bank transfer through licensed third-party on-ramp providers. Those providers have their own terms, fees, identity checks and risks that are separate from Wealtii, and availability varies by country. We do not control those external services and cannot guarantee their availability.

If you withdraw assets to your own personal wallet (self-custody), you take full responsibility for their security. Self-custody risks include:

• Losing your private keys (no one can recover them for you - not even us).
• Hardware wallet damage or destruction.
• Malware stealing your credentials.
• Forgetting passwords or recovery phrases.

Self-custody eliminates the risk of relying on a third party, but replaces it with personal responsibility. Only choose self-custody if you are confident in your ability to securely manage private keys.

Wealtii may interact with external platforms for price data, liquidity, or other services. These platforms carry their own risks - including hacking, insolvency, regulatory shutdowns, and fraud. Major exchanges have collapsed in the past, causing significant losses.

We perform due diligence on external partners, but cannot guarantee their reliability. Issues at a third-party platform could indirectly affect services or pricing on Wealtii.

In any transaction involving other parties, there is counterparty risk - the possibility that the other party fails to meet their obligations. This applies to: trading partners, service providers, banking partners, and liquidity providers.

Wealtii manages counterparty risk through careful selection of partners, diversification, and ongoing monitoring - but it cannot be fully eliminated.

Some digital assets - especially smaller ones - may have limited trading volume. This means it could be hard to sell at a fair price, or you might have to accept a worse price to get your trade done quickly. During market downturns, even normally liquid assets can become difficult to sell.

Wealtii's index funds focus on established, more liquid digital assets to help reduce (but not eliminate) this risk.

When markets panic, liquidity can disappear fast. Spreads widen, buyers vanish, and prices can drop sharply as everyone tries to sell at the same time. Historical examples include "flash crashes" where major cryptocurrencies lost 20-50% of their value in minutes.

During these moments, you may not be able to sell at a reasonable price - or at all. Wealtii cannot guarantee liquidity under all market conditions.

Some assets trade so infrequently that the "last price" shown may be hours or days old and not reflect what you would actually get in a trade. For low-volume assets, even small orders can move the price significantly, and quoted prices may be misleading.

Using limit orders (rather than market orders) can help protect you from unexpected execution prices on low-volume assets.

Market makers provide liquidity by continuously placing buy and sell orders. But they are not obligated to do so - especially during volatile or stressful periods when liquidity is most needed. If market makers pull back, spreads widen and trading becomes more difficult and expensive.

Wealtii may work with liquidity providers to enhance market depth, but their participation is not guaranteed.

Wealtii may temporarily pause trading during extreme volatility, technical issues, or suspicious market conditions. Trading pauses are designed to protect users and maintain orderly markets, but they also mean you cannot adjust your positions during the pause.

When trading resumes, there may be a price gap - meaning the first available price could be significantly different from the last price before the pause.

A flash crash is a sudden, severe price drop that recovers quickly - sometimes within minutes. They are usually triggered by cascading sell orders, thin order books, or algorithmic trading errors.

If you have stop-loss orders, they may trigger during a flash crash and sell your position at the worst possible moment, just before prices recover. Flash crashes are rare but unpredictable, and there are fewer safeguards against them in crypto than in traditional markets.

Front-running occurs when someone with advance knowledge of your pending trade executes their own trade ahead of yours for profit. In crypto, this can also happen at the blockchain level where validators can reorder transactions for profit (known as MEV - maximal extractable value).

While Wealtii has controls to prevent front-running by platform personnel, on-chain front-running is a broader industry issue that is difficult to fully prevent.

Because crypto trades across hundreds of global platforms, the price for the same asset can differ slightly (or sometimes significantly) from one platform to another, especially during volatile periods.

The prices shown on Wealtii may not always be the best available in the broader market. For large or important transactions, you may want to compare prices across multiple sources.

Smart contracts are programmes that run automatically on the blockchain. Like all software, they can contain bugs or security flaws. Even professionally audited contracts can have undiscovered vulnerabilities - audits improve confidence but are not a guarantee.

If a smart contract is exploited, funds interacting with that contract could be lost. Wealtii conducts thorough reviews of smart contracts we use, but cannot eliminate this risk entirely.

Once deployed on the blockchain, most smart contracts cannot be changed. This is both a strength (nobody can tamper with the rules) and a weakness (bugs cannot be quickly fixed).

If a flaw is discovered after deployment, fixing it may require complex migration processes or deploying entirely new contracts. This can cause disruption and temporary uncertainty.

Many smart contracts need external price data (delivered by systems called "oracles") to function correctly. If an oracle provides incorrect, delayed, or manipulated data, smart contracts may execute transactions based on wrong information.

Oracle manipulation has caused losses across the industry in the past. Wealtii uses reputable data sources, but oracle-related risks cannot be fully eliminated.

In blockchain ecosystems, different smart contracts often interact with each other. While this enables innovation, it also means that a failure in one contract can cascade to others - like a chain reaction.

If any contracts that Wealtii or underlying assets interact with experience issues, it could affect parts of the platform. The more interconnected the system, the harder it is to predict all possible failure modes.

Many blockchain protocols allow token holders to vote on changes. This creates risks including: concentration of voting power among large holders, voter apathy, contentious proposals that split communities, and malicious governance attacks.

Governance decisions about protocols underlying assets in your portfolio could negatively affect those assets. Your ability to influence these decisions depends on whether and how much governance tokens you hold.

Blockchain transactions require fees (sometimes called "gas fees") paid to the network. These fees can be very volatile - during congestion, fees can spike dramatically, making small transactions uneconomical.

Failed transactions may still consume fees even though the intended operation did not complete. Wealtii covers certain network fees as part of our service, but blockchain fee volatility remains a broader ecosystem risk that can affect transaction timing and costs.

Blockchain protocols have configurable settings that affect things like block rewards, fee structures, and inflation rates. Changes to these parameters - whether through governance votes, developer decisions, or automated schedules - can affect the economics and security of the network.

These changes are outside Wealtii's control and may impact the value or usability of digital assets in your portfolio.

Cross-chain bridges allow assets to move between different blockchains. While useful, they are one of the most targeted components in crypto - several major bridge hacks have resulted in hundreds of millions of dollars in losses.

If any assets or services you use involve cross-chain bridges, you are exposed to the security risks of those bridges. We exercise caution with cross-chain functionality and evaluate bridge security carefully.

Blockchain networks have limited capacity. When too many people try to transact at once, the network gets congested - transactions take longer to confirm and fees increase. This can affect your deposits, withdrawals, and any on-chain operations.

During extreme congestion, transactions can remain pending for hours or even days. Wealtii cannot control blockchain network capacity or congestion.

On most blockchains, transactions are not immediately "final" - there is a brief window where a confirmed transaction could theoretically be reversed through a chain reorganisation. The probability of reversal decreases with each additional confirmation.

Wealtii waits for 12 block confirmations on BNB Smart Chain before crediting deposits. Very deep chain reorganisations are extremely rare for established networks, but the possibility exists.

Interacting with blockchains requires node infrastructure - computers that run the blockchain software. If nodes go offline, show stale data, or experience bugs, it can temporarily affect the platform's ability to process transactions or display accurate information.

We use reliable, professionally managed infrastructure, but no system is immune to all failures.

In rare cases, a blockchain network can experience a "partition" where different parts of the network temporarily lose communication with each other. This can create uncertainty about which transactions are valid until the network reconnects and resolves the conflict.

Network partitions are uncommon and usually resolve quickly, but they can temporarily create transaction uncertainty.

Blockchains depend on validators (Proof of Stake) or miners (Proof of Work) to process transactions and secure the network. Risks include: centralisation of power among fewer entities, collusion, economic disincentives, or mass migration away from a network if it becomes unprofitable.

If the validator/miner ecosystem becomes unhealthy, network security and reliability can be affected.

In extraordinary circumstances, blockchain communities may agree to roll back transactions or implement emergency changes - as happened with the Ethereum DAO incident. While these interventions can fix major problems, they undermine the principle of immutability and can lead to community divisions.

Such events are rare and controversial, but they represent a real possibility.

As different blockchains need to communicate with each other, interoperability solutions are being developed. These are still maturing and have been targets for exploits. Security standards are evolving, and different approaches carry different trade-offs.

If Wealtii or any assets you hold rely on interoperability technology, you are exposed to the risks of those systems.

Blockchain networks periodically upgrade their software. Upgrades can introduce new features and improvements, but they can also introduce bugs, cause temporary disruptions, or split the community if there is disagreement.

Wealtii monitors network upgrades closely and takes appropriate action to protect users, but upgrade events can create uncertainty and volatility.

Every investment decision you make on Wealtii is your independent choice. We do not provide personalised investment advice or recommendations. You are investing based on your own research, judgment, and risk tolerance - not on anything Wealtii has told you to do.

If you need advice, consult a qualified financial professional. Information and tools on our platform are for general educational purposes only.

Please make sure you are only investing money that you do not need for: daily expenses, rent or mortgage, emergency savings, debt payments, or near-term financial goals.

Crypto is not suitable for everyone. It is particularly unsuitable if you: cannot handle significant volatility, need the money in the short term, are using borrowed funds, or would be in financial difficulty if you lost your entire investment. If you are unsure, consult a financial advisor.

Digital asset investing requires active attention. You should: regularly check your portfolio and account activity, stay updated on market developments and news, review and adjust your holdings as circumstances change, and promptly address any suspicious activity.

Unlike a savings account you can ignore, digital asset investments benefit from regular monitoring and thoughtful management.

You are responsible for complying with all applicable laws in your jurisdiction, including: securities regulations, tax obligations, anti-money laundering rules, and any other financial or legal requirements.

Wealtii does not provide legal advice and cannot tell you what is or is not legal in your specific jurisdiction. If you are unsure, consult a legal professional.

Platform security measures only go so far: your account's security also depends on you. Please: use a strong unique password, enable two-factor authentication, secure your devices, watch out for phishing, and never share your credentials.

If you skip these steps and your account is compromised, we may not be able to help recover lost assets. Security works best when we both do our part.

By using Wealtii, you confirm that you have read and understood the risks in this Disclosure, including: potential total loss of investment, extreme volatility, lack of government insurance, operational and technical risks, regulatory uncertainty, and all other risks described here.

You accept that new risks may emerge and that the risks listed here may interact in complex, unpredictable ways. If you do not accept these risks, please do not use the Services.

Do not rely on projections, estimates, or historical data from Wealtii or anyone else as guarantees of future performance. Past results, backtested scenarios, and simulated returns may not reflect real-world outcomes.

Always conduct your own independent research before investing. Treat all projections - from any source - with healthy scepticism.

By using the Services, you confirm that you have read and agree to our Terms of Service, Privacy Policy, and this Risk Disclosure. These documents together form the complete agreement between you and Wealtii regarding the Services.

If you do not agree with any part of these documents, please do not use the platform. Your continued use confirms your acceptance.

Some events are beyond anyone's control - natural disasters, wars, pandemics, government actions, major cyber attacks, power outages, or telecommunications failures. If such events occur, Wealtii's services may be unavailable, degraded, or restricted.

We will work to restore normal operations as quickly as possible, but we cannot guarantee specific recovery times during extraordinary circumstances.

Digital asset markets are not isolated from the global economy. Financial crises, recessions, interest rate changes, banking failures, inflation, and geopolitical tensions can all affect digital asset prices - sometimes severely.

During major economic stress, crypto and traditional markets may move together, reducing the benefit of diversification. Digital assets have not reliably acted as a safe haven during economic turmoil.

Governments can take sudden, sweeping action against the crypto industry. Historical examples include China's complete ban on crypto mining and trading. If a major jurisdiction implements new bans or restrictions, it could cause market-wide price declines and service disruptions.

Wealtii will comply with all applicable laws, which may sometimes require restricting or suspending services in certain regions.

The crypto industry is interconnected. When a major platform collapses, a stablecoin fails, or a prominent entity commits fraud, the effects can spread across the entire market. The 2022 collapse of several major crypto entities demonstrated how quickly contagion can spread.

Wealtii keeps its operations prudent and transparent to reduce exposure to industry contagion, but we cannot fully insulate users from market-wide crises.

The platform depends on the internet. Major internet outages, DNS attacks, submarine cable damage, or government-imposed internet shutdowns could prevent you from accessing your account.

We use geographically distributed infrastructure for resilience, but extended internet failures in your region would prevent access to any online service - including Wealtii.

As COVID-19 demonstrated, global health emergencies can cause extreme market volatility, economic uncertainty, and operational disruptions. Future health emergencies could have similar or different effects on digital asset markets.

Extreme global events could interrupt the service, and as a founder-operated platform Wealtii has limited capacity to maintain operations during emergencies.

Environmental events and energy policies can affect the crypto industry - particularly proof-of-work mining operations. Natural disasters can damage infrastructure, and regulations targeting energy-intensive activities could restrict certain blockchain networks.

While these factors mainly affect proof-of-work systems, the broader ecosystem (including asset values) can be influenced by environmental concerns and policy responses.

Military conflicts, trade disputes, sanctions, and political instability can all affect digital asset markets. While crypto is sometimes seen as a hedge against geopolitical risk, in practice, markets often react to uncertainty with broad sell-offs.

Digital assets are not immune to global political events, and developments in any major economy can have ripple effects across the digital asset market.

Digital asset investing can be emotionally intense. Extreme volatility can cause anxiety, fear of missing out (FOMO), panic during downturns, and difficulty sleeping. These emotions can lead to poor decisions - like buying at the top out of excitement or selling at the bottom out of fear.

Tips for managing the emotional side: set a clear investment plan and stick to it, do not invest more than you can emotionally handle losing, take breaks from watching prices, and remember that short-term volatility is normal. If trading is causing significant stress, consider reducing your exposure. Your wellbeing is more important than any investment.

The crypto space generates an enormous volume of information - from social media, news sites, influencers, podcasts, and forums. It can be overwhelming, and much of it is biased, inaccurate, or sponsored without disclosure.

Focus on a few trusted, objective sources. Be sceptical of anyone claiming guaranteed returns or insider knowledge. Quality of information matters far more than quantity.

The crypto space unfortunately attracts scammers. Common schemes include: Ponzi schemes promising guaranteed returns, pump-and-dump groups, fake token launches, impersonation of legitimate platforms, and "rug pulls" where project founders disappear with investor money.

Warning signs: promises of guaranteed high returns, pressure to invest quickly, lack of transparency, requests to send money to personal wallets, and deals that seem too good to be true. If something feels wrong, it probably is. Wealtii will never ask you to send funds to external addresses.

The 24/7 availability and fast-paced nature of crypto can lead to compulsive trading behaviour in some people. Warning signs include: an inability to stop trading, neglecting responsibilities, chasing losses, and hiding trading activity from others.

If you recognise these patterns, please seek help from a mental health professional. Wealtii supports responsible investing and encourages you to set personal limits. Your health and relationships are more valuable than any trade.

Social media has an outsized influence on digital asset markets. Viral posts, celebrity endorsements, and influencer promotions can move prices dramatically - often without legitimate fundamental reasons.

Many influencers have undisclosed financial interests in the assets they promote. Never make investment decisions based solely on social media hype. Do your own research, and remember that the loudest voices are not always the most informed.

Money invested in crypto cannot be invested in other things - savings accounts, stocks, bonds, property, education, or experiences. During certain periods, other asset classes may significantly outperform crypto.

Consider your overall financial picture. A well-rounded approach that includes different types of investments, along with adequate savings and emergency funds, is generally healthier than going all-in on any single asset class.

If you lose money through crypto - whether from market declines, fraud, errors, or hacks - your options for recovery may be very limited. The legal framework is still developing, cross-border disputes are complex and expensive, and blockchain transactions cannot be reversed.

This reality underscores the importance of: only investing what you can afford to lose, using strong security practices, doing thorough research, and choosing trusted platforms like Wealtii that prioritise security and transparency.

The risks associated with digital assets evolve constantly. We may update this Disclosure to reflect new or changed risks. When we make important changes, we will update the "Last Updated" date and notify you.

However, not all risks can be predicted or described in advance. You are responsible for staying informed about the digital asset landscape. Your continued use of the Services after any update constitutes acceptance of the revised Disclosure.

If you have questions about any risk described here, please contact us at support@wealtii.com.