In this document, "Client" refers to the client investor who invests funds through the online platform. "Company" and "Platform" refer to the legal entity TrustInvest. Investing in cryptocurrency assets and participating in staking programs involves significant financial risks and may lead to a partial or total loss of invested funds. The TrustInvest platform provides investment services exclusively for experienced, accredited investors who fully understand and are prepared to accept all risks associated with this financial investment. Before making an investment decision, carefully review this risk warning, assess your financial situation and investment goals. Invest only those funds that you can afford to lose without compromising your financial well-being and standard of living. All risks are borne by the Client. The Company bears no legal, financial, or any other responsibility for the risks and possible financial losses. Absence of guarantees: No investment guarantees a profit. All return figures presented on our platform are indicative and based on historical data or forecasts that may not correspond to future results. Actual returns can differ significantly from expected returns, both positively and negatively. All risks are borne by the Client. The Company does not guarantee and bears no obligations to the client. In the event of a partial or total loss of funds, all responsibility lies with the Client.

Market and Price Risks

Cryptocurrency Volatility: Cryptocurrency markets are characterized by extremely high volatility. The value of USDT and other cryptocurrencies can change dramatically over short periods due to various factors, including market sentiment, news, regulatory changes, technical factors, and other reasons. Even stablecoins like USDT can lose their peg to the US dollar in extreme market conditions.

Liquidity: Cryptocurrency markets can experience periods of low liquidity, which can make it difficult or impossible to quickly close positions at desired prices. During periods of market stress, liquidity can disappear entirely, potentially leading to significant losses.

Asset Correlation: Different cryptocurrency assets often show high correlation, especially during periods of market turmoil. This means that diversification within a cryptocurrency portfolio may not provide the expected risk reduction.

External Factors: Cryptocurrency markets can be influenced by macroeconomic factors, geopolitical events, central bank decisions, changes in traditional financial markets, and other external circumstances that are difficult to predict and control.

Technological and Operational Risks

Blockchain Technology Risks: The blockchain networks on which cryptocurrencies are based can experience technical issues, including network congestion, forks, 51% attacks, protocol errors, or other technical failures. These problems can lead to temporary or permanent unavailability of funds, transaction delays, or a complete loss of assets.

Smart Contract Risks: Staking protocols often use smart contracts, which can contain coding errors, security vulnerabilities, or unforeseen logical problems. Exploitation of such vulnerabilities can lead to the loss of user funds.

Cybersecurity: Despite the implementation of modern security measures, cryptocurrency platforms remain attractive targets for hackers and cybercriminals. Successful attacks can lead to the theft of user funds or the compromise of personal data.

Technical Failures: Software and hardware can fail, which may lead to temporary platform unavailability, data loss, or the inability to perform operations at critical moments.

Legal and Regulatory Risks

Changes in Legislation: The legal regulation of cryptocurrencies and related services is actively evolving in many jurisdictions. New laws, rules, or interpretations of existing legislation can significantly impact the availability of our services, their terms, or the very possibility of the platform's operation.

Bans and Restrictions: Governments may impose bans or restrictions on the use of cryptocurrencies, the operation of cryptocurrency platforms, or participation in staking programs. Such measures can be introduced suddenly and can severely affect the value of investments or the ability to withdraw them.

Tax Consequences: Investing in cryptocurrencies can have tax implications in your jurisdiction. Users are solely responsible for complying with all applicable tax obligations and should consult with tax advisors regarding the taxation of cryptocurrency investments.

Jurisdictional Differences: Differences in the legal systems of various countries can create additional risks and uncertainties, especially regarding the protection of investor rights, the ability to seek legal recourse, and the enforcement of court decisions.

Risks Associated with Platform Activity

Business Risks: Like any commercial organization, our company is subject to various business risks, including financial difficulties, management changes, loss of key employees or partners, competition, and other factors that could affect our ability to provide services.

Counterparty Risks: We may use third-party services for various aspects of our operations, including asset storage, payment processing, liquidity provision, and technical services. Problems with our counterparties can negatively impact our services and the security of user funds.

Operational Errors: Human errors in operational processes, incorrect system configuration, calculation errors, or other operational problems can lead to financial losses or disruption of services.

Scaling: Rapid growth in the number of users or transaction volume can strain our systems and processes, potentially leading to a decline in service quality or technical issues.

Refund Policy

General Principles: Due to the nature of cryptocurrency investments and staking programs, refunds are only possible in limited cases and in accordance with the terms of specific investment plans. Most investments have a fixed term, and early withdrawal may not be possible or may be subject to penalties.

Early Closure of Deposits: Some investment plans may allow for early closure with the application of penalties. The penalty amount depends on the plan type, the time remaining until the end of the investment period, and can range from 5% to 25% of the deposit amount. Detailed conditions are specified in the description of each plan.

Technical Errors: In the event of technical errors on the part of the Platform that result in incorrect debiting or crediting of funds, we are committed to correcting the error and compensating for the damages caused within a reasonable time after identifying the problem.

Fraud and Unauthorized Access: If a loss of funds occurs as a result of unauthorized access to our systems or fraudulent actions by our employees, we will consider the possibility of compensation on a case-by-case basis. However, the final decision on compensation in each case remains with the Company. The Company is not responsible for losses related to the compromise of a user's account credentials.

Procedure for Filing Claims and Complaints

Initial Contact: All claims and complaints must be submitted through the platform's official communication channels: the support service in the personal account, email at support@trustinvest.com, or a special form on the website. When submitting a claim, you must provide a detailed description of the problem, supporting documents, and contact information.

Review Period: We commit to reviewing all claims within 30 business days of receipt. Complex cases may require additional time for investigation, and the claimant will be notified. We aim to resolve most issues within 5-10 business days.

Documentation: All inquiries and responses are documented and saved in our system. Users receive notifications about the status of their claim and can track its progress through their personal account or by email.

Escalation: If a user is not satisfied with the decision of the first-level support team, the claim can be escalated for review by senior management or the legal department. In extreme cases, disputes may be referred to independent arbitration.

Risk Management Measures

Diversification: We recommend that users diversify their investments both within our platform (various plans and terms) and outside of it (different asset classes and investment strategies). Do not invest all your funds in a single investment plan or platform.

Gradual Investing: Consider gradually increasing your investments, starting with small amounts to evaluate the platform's performance and understand the risks. This will help minimize potential losses and gain experience with cryptocurrency investments.

Regular Monitoring: Regularly monitor the status of your investments, changes in the platform's terms, and the overall situation in the cryptocurrency markets. Be prepared to make quick decisions in the event of significant changes in market conditions.

Education and Research: Continuously study cryptocurrency markets, blockchain technologies, and investment strategies. The better you understand the risks and opportunities, the more informed decisions you can make.

Protection of User Funds

Security Measures: We employ a multi-layered security system, including cold storage for the majority of funds, multi-signature wallets, regular security audits, and monitoring of suspicious activity. However, no security measures can guarantee 100% protection against all possible threats.

Reserve Funds: The platform maintains reserve funds to cover operational expenses and ensure liquidity. The size of the reserves is regularly reviewed based on transaction volume and market conditions. However, reserve funds may not be sufficient to cover large losses.

Insurance: We are currently exploring options for insuring user funds, but comprehensive insurance for cryptocurrency assets remains limited and costly. Users should understand that their funds are not protected by government deposit insurance programs.

Audit and Transparency: We strive for maximum transparency regarding our operations and financial condition. Reports on reserves are published regularly, independent security audits are conducted, and users can obtain information about the platform's status through official communication channels.

Acceptance of Risks and Responsibility

Confirmation of Understanding: By using our platform and investing funds, you confirm that you have fully read, understood, and accepted all the risks described in this document. You acknowledge that investing in cryptocurrencies is not suitable for everyone and requires significant experience and knowledge. You also agree that all risks are on you and the Company bears no legal, financial, or any other responsibility for your funds. You also confirm that you are an accredited investor with the financial capacity to take on this risk.

Independent Assessment: You are fully responsible for assessing your financial situation, investment goals, and risk tolerance. The Company strongly recommends consulting with independent financial advisors before making investment decisions.

Limitation of Liability: Our liability is limited by the terms of the User Agreement. We are not responsible for losses arising from market fluctuations, changes in legislation, technical problems of third parties, or other factors. The Company/Platform has no financial obligations to the Client.

Document Updates: This document may be updated to reflect changes in risks, platform conditions, or regulatory requirements. Users will be notified of significant changes and should regularly review the current version of the document.