Financial Risk Disclosure & Investor Protection

Last updated: 12 October 2026

This document provides important information about the risks associated with investing, financial trading, online investment platforms, and related financial services. Please read it carefully before registering with any financial service provider or committing money.

1. Age Requirements and Eligibility

This website is intended for adults aged 18 years or older. Access to particular investment products may be subject to higher age requirements, eligibility conditions, identity verification, residency restrictions, or regulatory requirements.

Confirming that you are at least 18 years old does not mean that a particular investment product is suitable or legally available to you.

2. General Investment Risks

Financial markets are inherently uncertain. Investment values may rise or fall because of economic developments, interest rate changes, political events, market sentiment, regulatory developments, and other factors.

Investors should understand that:

• The value of an investment may decline significantly or become worthless.
• Future returns cannot be predicted reliably.
• Market volatility may cause sudden and unexpected losses.
• Assets may become difficult or impossible to sell at a reasonable price.
• Fees, commissions, and taxes may reduce or eliminate investment returns.
• Currency fluctuations may affect the value of international investments.

3. Risk of Losing Your Entire Investment

Some financial products expose investors to the possibility of losing 100% of their invested capital.

Losses may occur even when an investment initially performs well. A previous increase in value does not guarantee continued growth.

Do not invest money intended for essential living expenses, rent, mortgage payments, healthcare, education, emergency savings, or debt repayment.

4. Leverage and Margin Trading

Certain financial products permit trading with borrowed funds or leveraged exposure.

Leverage magnifies both potential gains and potential losses. Even relatively small price movements may result in a substantial reduction of account equity.

Leveraged positions may be closed automatically when available margin becomes insufficient. Additional margin requirements may arise, and some products may create liabilities beyond the original investment.

Negative balance protection and other safeguards may apply to certain products or customers, but they should never be assumed without confirmation.

5. Cryptocurrency and Digital Asset Risks

Cryptocurrencies and other digital assets may experience extreme price volatility and substantial liquidity fluctuations.

Additional risks include:

• Hacking and cybersecurity incidents.
• Loss or theft of private keys.
• Failure of exchanges or custodians.
• Fraudulent digital asset offerings.
• Smart contract vulnerabilities.
• Regulatory uncertainty.
• Limited recovery options after irreversible transactions.

Cryptocurrency holdings are not necessarily protected by the same investor safeguards that apply to certain regulated securities or insured bank deposits.

6. Automated Trading and Artificial Intelligence

Some financial products advertise artificial intelligence, automated trading, algorithmic decision-making, or advanced analytical technologies.

These technologies do not eliminate investment risk.

Automated systems may experience technical failures, inaccurate predictions, incorrect execution, unexpected market behaviour, or losses caused by unsuitable trading strategies.

Claims that an AI system can consistently generate guaranteed income, predict every market movement, or operate without risk should be treated with particular caution.

7. Financial and Personal Consequences

Significant financial losses can have consequences beyond the immediate loss of invested capital.

Potential consequences include:

• Loss of savings and emergency funds.
• Difficulty paying household expenses.
• Increased personal debt.
• Reduced financial security.
• Stress, anxiety, and emotional distress.
• Disagreements with family members.
• Long-term effects on retirement or financial planning.

If financial activity is causing serious stress, financial hardship, or pressure to recover previous losses, consider stopping and seeking independent assistance.

8. No Guaranteed Returns

No investment provider can legitimately guarantee high returns without risk.

Advertised profit examples, projected returns, account balances, screenshots, testimonials, and illustrative calculations must not be interpreted as promises of future financial performance.

Results achieved by other individuals, even when genuine, may not be representative of typical investor outcomes.

Past performance does not guarantee future results.

9. Advertising and Sponsored Content

This website may contain advertising, promotional materials, sponsored articles, and commercial links.

The website operator may receive compensation when visitors submit information, register through referral links, or complete qualifying actions with external providers.

Sponsored or promotional content should not be treated as independent financial journalism, an official government communication, or a personalised investment recommendation.

Commercial relationships may create incentives to promote particular services. Visitors should independently evaluate the provider, its regulatory status, fees, and risks.

10. Testimonials and Earnings Examples

Testimonials, case studies, illustrations, and examples appearing in advertising materials should not be relied upon as evidence of guaranteed earnings.

Any hypothetical, simulated, or fictional scenario should be clearly identified as such.

Visitors should not make investment decisions based solely on promotional screenshots, claimed account balances, celebrity references, or personal stories.

11. Third-Party Providers and External Links

This website may provide links to external financial platforms, service providers, or other websites.

Such providers may operate independently from the website operator.

Before opening an account, users should review the relevant provider's legal identity, regulatory registration, terms of service, privacy policy, fee schedule, and withdrawal conditions.

The availability of a link does not, by itself, establish that a provider is regulated, trustworthy, or suitable.

12. Deposits, Withdrawals and Fees

Financial platforms may impose deposit requirements, transaction charges, conversion fees, trading commissions, inactivity fees, or withdrawal conditions.

Users should review these conditions before transferring funds.

Be cautious if an organisation requests additional payments to release funds, demands unexpected taxes before a withdrawal, or repeatedly pressures you to make further deposits.

Never assume that deposited funds can be withdrawn immediately or without restrictions.

13. Warning Signs of Investment Fraud

Investors should be particularly cautious when encountering the following:

• Promises of guaranteed or unusually high returns.
• Pressure to invest immediately.
• Claims that an opportunity is available only for a limited time.
• Unverified celebrity endorsements or fabricated news reports.
• Requests for remote access to personal devices.
• Demands for additional deposits to unlock withdrawals.
• Refusal to identify the legal entity operating the platform.
• Missing or unverifiable regulatory information.
• Requests to send funds to unrelated personal accounts.

14. Regulatory Verification in Canada

Canadian investors should verify whether a financial firm or individual is appropriately registered before investing.

The Canadian Securities Administrators provide tools to help investors check registration and identify relevant regulatory information.

Official resource: Canadian Securities Administrators – Check Registration

Registration does not guarantee investment performance or suitability. Investors should also review disciplinary information, product risks, and applicable fees.

15. What to Do If You Suspect Fraud

If you believe that you have encountered an investment scam or an unauthorised financial service provider:

1. Stop sending money immediately.
2. Do not provide additional passwords or identity documents.
3. Contact your bank or payment provider.
4. Preserve transaction confirmations, communications, and screenshots.
5. Change compromised passwords and secure affected accounts.
6. Contact local law enforcement when appropriate.
7. Report suspected fraud to the Canadian Anti-Fraud Centre.

16. Investor Protection and Assistance

The following independent organisations provide investor information, complaint assistance, fraud reporting, or access to community support in Canada.

Canadian Securities Administrators (CSA)

Regulatory information, investor education, registration verification and investor alerts.

Website: www.securities-administrators.ca

Canadian Investment Regulatory Organization (CIRO)

Information about regulated investment dealers, investor complaints, and dispute resolution options.

Telephone: 1-877-442-4322

Website: www.ciro.ca

Canadian Anti-Fraud Centre (CAFC)

Report suspected investment scams, financial fraud, and cybercrime.

Telephone: 1-888-495-8501

Website: Canadian Anti-Fraud Centre

211 Canada – Community and Financial Support

Free and confidential assistance connecting individuals with local community programmes, financial support resources, housing assistance, and other essential services.

Telephone: 211

Website: www.211.ca

988 – Suicide Crisis Helpline

Serious financial loss may cause emotional distress. If you or someone you know is experiencing a suicide crisis, confidential support is available across Canada, 24 hours a day, seven days a week.

Call or text: 988

Website: www.988.ca

For immediate danger or a medical emergency in Canada, call 911.

17. Responsible Financial Decision-Making

Before considering an investment, assess your financial circumstances, investment knowledge, objectives, time horizon, and ability to withstand loss.

Consider consulting a qualified, appropriately registered financial professional who is independent from the promoted service.

Do not borrow money solely to pursue speculative returns or attempt to recover previous trading losses.

Taking time to evaluate an opportunity is preferable to making a decision under pressure.

18. No Personal Financial Advice

Information published on this website is provided for general informational and advertising purposes.

It does not constitute personalised investment, financial, legal, or tax advice.

Nothing on this website should be interpreted as a guarantee of suitability, investment performance, profitability, or capital protection.

19. Website Operator

This website is operated by:

INDIVIDUAL ENTREPRENEUR OKSANA OLEKSANDRIVNA KAMCHATKINA
Operating as Nova Digital Agency
Tax Identification Number: 3036723489
3 Heroiv Dnipra Street, Apartment 128
Kyiv, 04209
Ukraine

Email: [email protected]

The website operator should not be assumed to be the investment provider, custodian, broker, or financial adviser merely because it publishes promotional content or referral links.

20. Final Acknowledgement

By proceeding to consider a financial product or service, you acknowledge the importance of reviewing the applicable risks and legal conditions.

You should not invest unless you understand the relevant risks, can bear the potential financial loss, and have independently verified the legitimacy of the provider.