Risk Disclosures

1. General Investment Risk

All investment products offered through Qubix carry varying degrees of risk. The value of investments can go down as well as up. You may receive back less than you originally invested. There is no guarantee of profit or protection against loss.

Before investing, you should carefully consider your investment objectives, level of experience, risk appetite, and financial situation. If you are unsure whether investing is appropriate for you, seek independent financial advice.

2. Stock Market Risk

Investments in stocks and equity-linked instruments are subject to market risk, including:

• Price volatility — stock prices can fluctuate significantly in short periods due to company performance, economic conditions, and market sentiment
• Company risk — individual companies may underperform, restructure, or fail entirely, resulting in partial or total loss of investment
• Sector risk — specific industries may be adversely affected by regulatory changes, technological disruption, or economic cycles
• Liquidity risk — in certain market conditions, it may be difficult to sell positions at desired prices
• Currency risk — investments denominated in foreign currencies are subject to exchange rate fluctuations

3. Mineral & Precious Metal Risk

Investments in gold, silver, platinum, palladium, and other commodities are subject to:

• Commodity price risk — precious metal prices are determined by global supply and demand, geopolitical events, and macroeconomic factors outside Qubix's control
• Volatility risk — commodity prices can be highly volatile and may not correlate with traditional financial markets
• Storage and custody risk — digitally held mineral positions depend on the integrity and security of the platform's systems
• Regulatory risk — changes in government policy regarding commodity trading or taxation may affect returns

4. Real Estate Investment Risk

Fractional real estate investments through Qubix represent interests in rental income streams and are subject to:

• Occupancy risk — rental income depends on tenants occupying the property. Vacancies reduce or eliminate dividend payments
• Property value risk — underlying property values may decline due to market conditions, location factors, or economic downturns
• Liquidity risk — real estate investments are less liquid than stocks or minerals. Exit options are subject to platform terms and market conditions
• Management risk — property performance depends on effective management of maintenance, tenant relations, and expenses
• Regulatory risk — changes in tenancy laws, property taxes, or zoning regulations may affect returns
• Dividend variability — projected APY rates are estimates based on historical and projected rental income and are not guaranteed

5. Physical Asset Risk

Physical assets (bullion, vault-stored commodities) carry the following risks:

• Storage risk — physical assets are held in third-party vault facilities. While insured, no storage facility is entirely risk-free
• Delivery risk — physical delivery is subject to shipping, verification, and insurance procedures that may cause delays or additional costs
• Market price risk — the market value of physical assets fluctuates and may be lower at the time of sale than at the time of purchase
• Authentication risk — while all assets are authenticated, disputes regarding quality or weight may arise

6. Cryptocurrency & Blockchain Risk

Qubix uses cryptocurrency infrastructure for deposits and withdrawals. This introduces the following risks:

• Price volatility — the value of cryptocurrencies (BTC, ETH, USDT, LTC) can change significantly between deposit and crediting
• Transaction irreversibility — blockchain transactions cannot be reversed once confirmed. Sending funds to an incorrect wallet address results in permanent loss
• Network risk — blockchain network congestion, forks, or protocol changes may delay or affect transactions
• Regulatory risk — the regulatory environment for cryptocurrencies is evolving. Future restrictions may affect your ability to deposit or withdraw
• Wallet security — you are responsible for the security of your own cryptocurrency wallets. Lost private keys or compromised wallets are your responsibility

7. Platform & Operational Risk

• Technology risk — platform outages, bugs, or cyberattacks may temporarily prevent access to your account or delay transactions
• Counterparty risk — Qubix relies on third-party providers (payment processors, vault operators, data providers). Failure of any third party may affect services
• Regulatory risk — Qubix operates in a developing regulatory environment. Future regulatory changes may require modifications to available services
• Insolvency risk — in the unlikely event that Qubix becomes insolvent, recovery of assets may be subject to legal proceedings and may be incomplete

8. Price Data Disclosure

9. No Investment Advice

Nothing on the Qubix platform constitutes investment, financial, legal, or tax advice. All content is provided for informational purposes only. Qubix is not a licensed financial advisor, broker-dealer, or investment manager. You should consult with your own qualified financial, legal, or tax advisor before making any investment decision.

10. No Guarantee of Returns

Qubix makes no representation or warranty that any investment will achieve positive returns, generate dividends, or preserve capital. All projected yields, APY rates, and performance figures are estimates only and are not guaranteed. Actual results may differ materially from projections.

11. Leverage & Margin

Qubix does not currently offer leveraged trading or margin accounts. All investments are made using your available cash balance only. You cannot lose more than your deposited funds through trading activities on the platform.

12. Tax Obligations

Investment returns, capital gains, dividends, and cryptocurrency transactions may be subject to taxation in your jurisdiction. Qubix does not provide tax advice and does not report investment activity to tax authorities on your behalf. You are solely responsible for understanding and fulfilling your tax obligations.

13. Jurisdiction & Eligibility

Qubix services may not be available in all jurisdictions. It is your responsibility to ensure that using the Qubix platform is legal in your country of residence. By creating an account, you confirm that you are legally permitted to invest in the asset classes offered and that you meet the minimum age requirement of 18 years.

14. Acknowledgement

By using the Qubix platform, you acknowledge that you have read and understood these Risk Disclosures, that you accept the risks associated with investing, and that you agree to our Terms and Conditions and Privacy Policy.

For questions regarding these disclosures, contact us at support@qubixinvestments.com.