In this document, "Client" refers to the client investing funds through the online platform. "Company" and "Platform" refer to the legal entity Orvin. Investing in cryptocurrency assets and participating in staking programs involves significant financial risks and may result in the partial or total loss of invested funds. The Orvin 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 disclosure, assess your financial situation, and investment goals. Invest only funds you can afford to lose without impacting your financial well-being and standard of living. All risks are borne by the Client. The Company holds no legal, financial, or any other liability for risks and potential financial losses. No Guarantees: No investment guarantees profit. All performance figures on our platform are indicative and based on historical data or projections that may not reflect future results. Actual returns may differ significantly from expected returns, both positively and negatively. All risks are borne by the Client. The Company does not guarantee and has no obligations to the client. In case of 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, making it difficult or impossible to close positions quickly at desired prices. During periods of market stress, liquidity can disappear entirely, potentially leading to significant losses.

Asset Correlation: Different cryptocurrency assets often exhibit high correlation, especially during market turmoil. This means that diversification within a crypto portfolio may not provide the expected level of 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 underlying cryptocurrencies can experience technical issues, including network congestion, forks, 51% attacks, protocol errors, or other technical failures. These issues can lead to temporary or permanent loss of access to 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 flaws. The exploitation of such vulnerabilities can lead to the loss of user funds.

Cybersecurity: Despite implementing 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, regulations, 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 crypto 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 a tax advisor regarding cryptocurrency investment taxation.

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

Risks Associated with Platform Operations

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

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

Operational Errors: Human errors in operational processes, incorrect system configurations, calculation mistakes, or other operational issues can lead to financial losses or service disruptions.

Scaling Risks: Rapid growth in user numbers or transaction volumes can strain our systems and processes, potentially leading to a decline in service quality or technical issues.

Refund Policy

General Principles: Due to the specific 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 be impossible or subject to penalties.

Early Closure of Deposits: Some investment plans may offer the option of early closure with penalties. The penalty amount depends on the plan type and the remaining term, and can range from 5% to 25% of the deposit amount. Detailed conditions are specified in each plan's description.

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

Fraud and Unauthorized Access: If a loss of funds occurs due to unauthorized access to our systems or fraudulent actions by our employees, we will consider compensation on a case-by-case basis. However, the final decision on compensation rests with the Company. The Company is not responsible for losses resulting from the compromise of user 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 your personal account, email to support@orvin.com, or the special form on the website. When filing a claim, you must provide a detailed description of the problem, supporting documents, and your 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.

Record Keeping: All communications and responses are documented and stored in our system. Users will receive notifications on the status of their claim and can track its progress through their personal account or via email.

Escalation: If a user is not satisfied with the resolution from first-level support, the claim can be escalated to 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 (across different plans and terms) and outside of it (across different asset classes and investment strategies). Do not invest all your funds in a single investment plan or platform.

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

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

Education and Research: Continuously educate yourself about cryptocurrency markets, blockchain technology, and investment strategies. The better you understand the risks and opportunities, the more informed your decisions will be.

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 for suspicious activity. However, no security measure 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 these reserves is regularly reviewed based on transaction volume and market conditions. However, the reserve funds may not be sufficient to cover major 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. We regularly publish reports on our reserves, conduct independent security audits, and users can obtain information about the platform's status through official communication channels.

Acceptance of Risk and Responsibility

Acknowledgement 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 cryptocurrency investing is not suitable for everyone and requires significant experience and knowledge. You also agree that you bear all risks and that the Company holds no legal, financial, or any other liability for your funds. You also confirm that you are an accredited investor with the financial capacity to assume this risk.

Independent Assessment: You are solely responsible for assessing your own 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 liable for losses arising from market fluctuations, changes in legislation, third-party technical issues, 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 this document.