Risk Disclosures

Last updated: 08/04/2026

Last updated: 01/09/2025

The information on this website is provided by BanQr Group Limited (“BanQr”, “we”, “us”, or “our”) for general information purposes only. By accessing or using this website, you acknowledge and agree to the following risk disclosures.

1. No Guarantee of Returns

  • All investments carry risk. The value of your investments and any income from them may go down as well as up.
  • Past performance is not a reliable indicator of future performance.
  • There is no guarantee that you will recover the amount originally invested.

2. Market and Investment Risks

  • Prices of securities, real estate assets, tokens, currencies, and commodities may fluctuate due to market conditions, political events, or regulatory changes.
  • Investments in emerging markets and digital assets may involve higher levels of volatility, illiquidity, and operational risk.
  • Diversification does not eliminate the risk of investment loss.

3. Shariah Compliance Considerations

  • BanQr structures products to comply with Shariah principles and seeks certification from qualified Shariah scholars.
  • However, interpretations of Shariah law may vary across jurisdictions. Investors are encouraged to seek independent Shariah advice if required.

4. Digital Assets and Tokenisation Risks

  • Tokenised assets, stablecoins, and digital securities are subject to technological, regulatory, and cybersecurity risks.
  • Blockchain networks may face disruptions, forks, or vulnerabilities beyond BanQr’s control.
  • The regulatory treatment of digital assets may change rapidly in different jurisdictions, which could affect the value, legality, or transferability of tokens.
  • Products and services offered by BanQr may not be available in all jurisdictions and may be subject to local restrictions.
  • Investors are responsible for understanding and complying with applicable laws and regulations in their own jurisdiction.
  • Tax treatment depends on individual circumstances and may change over time. Investors should seek independent tax advice.

6. Currency and Cross-Border Risks

  • Foreign exchange fluctuations may affect the value of cross-border investments or digital transactions denominated in different currencies.
  • Cross-border payments and settlements may be subject to delays, fees, or restrictions imposed by local regulators or correspondent banks.

7. Operational and Cybersecurity Risks

  • While BanQr implements robust security measures, no system is immune from risks of cyberattacks, hacking, service disruption, or data breaches.
  • Users are responsible for maintaining secure access to their accounts and safeguarding personal login credentials.

8. No Financial Advice

  • The content on this website does not constitute financial, legal, tax, or investment advice.
  • You should obtain independent professional advice before making financial or investment decisions.

9. Limitation of Liability

  • BanQr will not be liable for any direct, indirect, incidental, or consequential loss or damage arising from reliance on information provided on this website or participation in any investment or product offered.

10. Acknowledgement

By using this website or engaging with BanQr’s products and services, you confirm that:

  • You have read, understood, and accepted the above risks.
  • You are aware that investing and transacting in financial and digital markets involves risk, and you take sole responsibility for your decisions.