Risk Disclaimer

1. Who We Are & Scope

This Risk Disclaimer applies to MoonRock Media FZ‑LLC d/b/a Coin Bureau ("Coin Bureau," "we," "us," "our") and to your use of the Coin Bureau Club at hub.coinbureau.com (the "Club" or "Services"), including Lite, Pro, and Legacy access; the Overview page; Discord Feed; Altcoin Reviews & Polls; Team Portfolios; and Deals.

By accessing or subscribing to the Club, you acknowledge that you have read, understood, and agree to this Risk Disclaimer. If you do not agree, do not use or subscribe to the Club.

2. Educational Content Only — No Advice or Recommendations

All content in the Club—including videos, articles, research summaries, polls, market commentary, community posts, notifications, early‑access materials, tools, dashboards, and examples—is provided solely for general informational and educational purposes.

• We are not licensed financial, legal, tax, or investment advisers.
• Nothing in the Club is a recommendation, solicitation, endorsement, or offer to buy or sell any asset, adopt any strategy, or use any third‑party service.
• Content does not consider your personal circumstances, objectives, or risk tolerance. You are solely responsible for your decisions.

3. No Fiduciary Relationship; Independence & Potential Conflicts

Your use of the Club does not create a client, advisory, or fiduciary relationship with Coin Bureau.

• We maintain an editorial policy of integrity and no shilling.
• Team Portfolios may include assets we own. Holdings can change without notice and we have no obligation to update immediately or in real time. Any disclosure is informational and not advice.
• We may receive referral/affiliate compensation for certain Deals. Inclusion of a deal is not an endorsement. Always review third‑party terms independently.

4. Market Risks — You Can Lose All Invested Funds

Digital assets and related markets are highly speculative and volatile. Prices can rapidly move against you. By using the Club, you acknowledge that:

• Past performance (including any backtests, hypothetical, or sample portfolios) is not indicative of future results.
• You should only risk money you can afford to lose and be prepared to lose the entire amount.
• Outcomes can be affected by macroeconomic conditions, regulation, liquidity, market structure, technological failures, and other factors beyond our control.

5. Digital‑Asset‑Specific Risks (Non‑Exhaustive)

• Custody & counterparty risk: Exchange or custodian failure, hacks, withdrawal suspensions, or insolvency.
• Protocol & smart‑contract risk: Bugs, exploits, governance failures, oracle/manipulation risk.
• Stablecoin risk: De‑pegs and collateral failures.
• Forks & airdrops: Network changes and distributions may have uncertain value and tax treatment.
• Liquidity & slippage: Thin markets can amplify losses.
• Leverage & liquidation: Borrowing/margin can rapidly magnify downside.
• Regulatory risk: Rapidly evolving laws may restrict access, impact valuations, or render activities unlawful in your jurisdiction.
• Tax risk: Crypto transactions can be taxable events. We do not provide tax advice.

6. Community & Third‑Party Content (incl. Discord Feed)

• The Discord Feed mirrors selected one‑way channels from our Discord. Content posted by members—including CBC Detectives—is user‑generated and reflects the authors' opinions only, not those of Coin Bureau.
• We may moderate but do not guarantee pre‑screening, accuracy, completeness, or timeliness of any community content.
• Links to third‑party sites, tools, or offers (including Deals) are provided for convenience and information. We do not control or endorse third‑party content and are not responsible for it. Use third‑party services at your own risk and under their terms.

7. Technology, Data, and Operational Risks

We strive for secure, reliable operations, but issues may occur: outages, delays, maintenance windows, API failures, data discrepancies, integration errors (e.g., Discord, payment processors), account‑access issues, and cybersecurity incidents.

• We do not warrant uninterrupted or error‑free service or that data (including prices, timestamps, or portfolio values) is accurate, complete, or current.
• You are responsible for safeguarding your account credentials and devices.

8. Polls, Early Access, Research, and Portfolios

• Polls capture community sentiment only; they are not recommendations.
• Early access (e.g., Pro/Legacy 24‑hour review window) is informational and timing may change.
• Research and summaries aim for accuracy but may rely on third‑party sources that can be incomplete or wrong.
• Team Portfolios are informational snapshots with inherent limitations (e.g., survivorship bias, timing selection, incomplete fees/tx costs). They are not a model portfolio or advice.

9. No Guarantees or Warranties

To the fullest extent permitted by law, we make no warranties—express or implied—about the Club or any content, including merchantability, fitness for a particular purpose, non‑infringement, accuracy, timeliness, or completeness. Reliance on any content is at your own risk.

10. Independent Professional Advice Strongly Recommended

Before making any financial, legal, or tax decision based on Club content, consult an appropriately qualified and licensed professional who can assess your personal circumstances.

11. Jurisdiction, Eligibility, and Compliance

The Club is intended for users 18+. Access may be restricted where prohibited by law. You are responsible for complying with local laws and regulations. Nothing in the Club is intended to solicit or promote activity that is unlawful in your jurisdiction or to engage in regulated activities where we lack required authorisations.

12. Limitation of Liability; Indemnification

Your use of the Club is subject to the limitations of liability and indemnification provisions in our Terms & Conditions. To the maximum extent permitted by law, we are not liable for losses arising from your use of—or reliance on—Club content or third‑party services.

By subscribing, you agree to indemnify and hold harmless Coin Bureau, its affiliates, and their officers, employees, and representatives from claims and losses arising from your use of the Club or violation of our Terms.

13. Changes to This Risk Disclaimer

We may update this Risk Disclaimer from time to time. Material changes will be communicated via reasonable means (e.g., in‑product notice or email). Your continued use after the effective date constitutes acceptance.