Investment Risk Disclosure

# 3. Digital Reward Program Risk Disclosure ## AIPlan7 Risk Disclosure **Effective Date:** [2026.03.01] --- ## Important Notice Use of AIPlan7 involves substantial risk. Users should carefully review and fully understand the following risks before using the Platform. --- ## 1. No Guarantee of Returns 1. The displayed 12%–25% Reward APR is estimated and not guaranteed. 2. The Company does not guarantee principal, rewards, or liquidity. 3. Past performance does not guarantee future results. --- ## 2. Platform Operation and Trading Loss Risk 1. The Platform’s Reward Program may be affected by digital asset operations, market participation, or related operational activities. 2. Deterioration in market conditions, operational failure, or trading losses may result in partial or total loss of principal. 3. Operational performance may vary depending on market volatility, liquidity, trading conditions, system conditions, and other external factors. --- ## 3. Stablecoin Risk 1. USDT is not legal tender or a bank deposit. 2. USDT may be subject to depegging or liquidity shortages. 3. Users may lose part or all of their assets. --- ## 4. Reward Dollar Risk 1. Rewards are distributed in Reward Dollar rather than USDT. 2. Reward Dollar cannot be immediately withdrawn or reallocated. 3. Reward Dollar becomes eligible for Convert 30 days after the credited date. 4. Convert functionality may be restricted due to operational, liquidity, or regulatory reasons. --- ## 5. Principal Holding Period Risk 1. Allocated Principal is restricted from withdrawal for 90 days. 2. Principal cannot be withdrawn during the Holding Period regardless of market conditions. --- ## 6. Market and Liquidity Risk Losses may occur due to: - Market volatility - Platform operation or trading losses - Sudden market downturns - Digital asset price fluctuations - Stablecoin depegging - Liquidity shortages - Exchange failures - Regulatory actions --- ## 7. Technical Risk The following risks may exist: - Blockchain failures - Network congestion - System downtime - Hacking - Smart contract vulnerabilities - Third-party service failures --- ## 8. Regulatory Risk Digital asset laws and regulations vary by country and may change at any time. --- ## 9. Security Risk Users are solely responsible for securely managing: - Wallets - Private keys - Seed phrases - Passwords - OTP and authentication devices Loss or compromise may result in asset loss. --- ## 10. Disclaimer of Investment Advice The Platform does not provide investment, financial, tax, or legal advice. --- ## 11. User Acknowledgment and Consent Users acknowledge and agree that: 1. Digital asset services involve substantial risk. 2. Platform operation or trading losses may result in partial or total loss of principal. 3. Rewards are variable and not guaranteed. 4. Reward Dollar becomes eligible for Convert after 30 days. 5. Principal withdrawals become available after 90 days. 6. Withdrawals are processed according to the monthly Withdrawal Schedule. 7. Users assume all risks associated with use of the Platform.