General Risk Disclosure

1. Irreversibility
   • Transactions on the Platform generally cannot be undone. You may lose funds if you:
     • Send Digital Assets to the wrong address
     • Enter an incorrect amount
     • Fall victim to a fraudulent scheme
     • Experience unauthorized withdrawals from your account
   • Ivorypay is not liable for losses from accidental or fraudulent transfers.
2. Volatility
   • Digital Asset prices relative to local fiat currencies can swing sharply and unpredictably, potentially leading to substantial or total loss in a short period.
3. No Issuer Recourse
   • Unlike bank deposits, supported Digital Assets have no guarantee of buy-back or redemption by issuing protocols or entities.
4. Not Legal Tender
   • Digital Assets are not recognized as legal tender in jurisdictions where Ivorypay operates. Account balances and Digital Asset holdings carry no government deposit insurance or protection.
5. Evolving Regulation
   • Legislative or regulatory changes—local or global—can adversely affect the usability, transferability, or value of any Digital Asset, possibly reducing it to zero.
6. Settlement Timing
   • On-chain transactions are deemed complete when included in the underlying ledger, which may differ from your initiation timestamp.
7. Market Liquidity
   • The value of a Digital Asset depends on ongoing buyer and seller interest. Should market demand evaporate, the asset’s value could permanently collapse.
8. Merchant Acceptance
   • There is no guarantee that any third party will continue to accept a given Digital Asset for goods or services.
9. Tax Implications
   • Trading or holding Digital Assets may trigger tax obligations. You alone are responsible for reporting and paying any applicable taxes.
10. Technology & Service Interruptions
    • Outages, maintenance, or technical failures at service providers (including Ivorypay) or on public blockchains may prevent access to your funds or the Platform.

While Stablecoins aim to maintain a stable peg to fiat or other assets, such pegs can break, introducing risk of loss if the underlying reserves lose liquidity or value. By using Stablecoins on the Platform, you acknowledge that:

• Ivorypay makes no warranty that any Stablecoin is fully backed by cash reserves or equivalent holdings; and
• You assume full risk for any Stablecoin purchases, sales, or conversions conducted via the Platform.

1. Complexity
   • You may use Ivorypay only if you hold an Eligible Account and comply with all laws and this Agreement.
2. Security Vulnerabilities
   • Blockchains and related systems may be subject to attacks (e.g., 51% attacks) that compromise transaction integrity or network availability.
3. Protocol Changes & Forks
   • Protocol upgrades, forks, rollbacks, or other changes to the underlying technology can alter asset properties or lead to loss of funds.
4. Double Spending & Operational Failures
   • Network errors or malicious exploits could result in cancelled, lost, or duplicated transactions.
5. Cessation of Support
   • Exchanges, wallet providers, or service platforms—including Ivorypay—may discontinue support for certain assets, potentially making them unusable.