> For the complete documentation index, see [llms.txt](https://docs.sivax.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.sivax.io/legal-and-risk/general-risk-disclosures.md). # General Risk Disclosures This General Risk Disclosures statement (“Statement”) provides a high-level overview of certain risks associated with accessing or using **SIVAX** (“SIVAX,” “Company,” “we,” “us,” or “our”) and our website, applications, platform, interfaces, and related services (collectively, the “Services”). This Statement is provided for informational purposes only and does not constitute financial, investment, legal, tax, or other professional advice. It is not exhaustive and does not describe every risk that may arise in connection with digital assets, blockchain networks, wallet usage, structured income products, or related transactions. **THE RISK OF LOSS IN CONNECTION WITH DIGITAL ASSETS, BLOCKCHAIN-BASED PRODUCTS, AND RELATED TRANSACTIONS CAN BE SUBSTANTIAL. YOU SHOULD CAREFULLY CONSIDER WHETHER USE OF THE SERVICES IS APPROPRIATE FOR YOUR FINANCIAL CONDITION, INVESTMENT OBJECTIVES, LEVEL OF EXPERIENCE, AND RISK TOLERANCE.** ### 1. No Guarantee of Outcomes SIVAX does not guarantee any financial outcome, return, yield, profit, liquidity, principal preservation, or continued availability of the Services. You should not rely solely on statements made by SIVAX, whether in this Statement, on the platform, in product materials, or in communications, when deciding whether to access or use the Services. Any decision to engage with the Services is made at your own risk. ### 2. Nature of the Services SIVAX is designed as a wallet-based, XRPL-related structured income and related product service. The Services may involve deposits, subscriptions, withdrawals, settlement flows, redemption mechanics, monitoring tools, and other product lifecycle functionality. Because the Services may involve defined-outcome, note-like, vault-based, or other structured product features, additional product-specific risks may apply depending on the structure, parameters, timing, and conditions of a particular product or transaction. ### 3. Technical and Smart Contract Risks The Services may rely on software, smart contracts, automation logic, event processing, pricing inputs, and related technical infrastructure. Such systems may contain bugs, vulnerabilities, design defects, coding errors, logic failures, exploits, or unforeseen interactions. Any such failure may result in, among other things: * delays or failures in execution * inaccurate balances, reporting, or transaction states * inability to access or use the Services * unexpected outcomes in product lifecycle events * partial or total loss of digital assets or economic value SIVAX cannot guarantee that any software, contract logic, or technical system will be uninterrupted, error-free, secure, or immune from attack. ### 4. Blockchain Network Risks The Services may depend on the XRP Ledger (“XRPL”) and, in some cases, other blockchain-related infrastructure or connected environments. Public blockchain networks may be affected by: * congestion or reduced throughput * validator or network failures * forks, upgrades, rule changes, or governance disputes * finality or confirmation delays * transaction ordering issues * broader systemic failures outside SIVAX’s control These events may impair the availability, timing, value, or functionality of the Services and may affect your ability to complete transactions or realize expected outcomes. ### 5. Wallet and Credential Risks The Services may require you to connect and use a third-party wallet. SIVAX is non-custodial with respect to your private keys, seed phrases, wallet credentials, and transaction approvals. You are solely responsible for: * securing your wallet, devices, and credentials * reviewing transaction details before approval * maintaining access to your wallet and recovery methods * ensuring that transactions are sent to the correct addresses and through the correct interfaces Loss, theft, compromise, misuse, or unauthorized access to your wallet, private keys, seed phrase, device, or credentials may result in irreversible loss of assets. SIVAX cannot recover private keys, reverse blockchain transactions, or restore assets lost due to user error or third-party compromise. ### 6. Cybersecurity Risks Use of the Services may expose you to cybersecurity risks, including phishing, malware, ransomware, social engineering, spoofed interfaces, denial-of-service attacks, validator attacks, oracle manipulation, API abuse, front-end compromise, and other malicious activity. Bad actors may attempt to exploit vulnerabilities in software, infrastructure, wallets, devices, networks, or user behavior. Even where commercially reasonable safeguards are used, no digital environment is completely secure. ### 7. Market, Volatility, and Liquidity Risks Digital assets are highly volatile and may lose value rapidly, including to zero. Prices may fluctuate significantly due to market sentiment, liquidity conditions, leverage, macroeconomic developments, technology changes, regulatory developments, protocol events, or other factors. You may also face liquidity risk. There may be insufficient market depth, limited counterparties, impaired secondary liquidity, or significant slippage. As a result, you may be unable to exit a position, redeem at an expected time, or convert assets into other forms of value without loss. ### 8. Product Structure and Valuation Risks If the Services include structured income, note-like, or other defined-outcome products, the economic result of a transaction may depend on specific product terms, including: * tenor or maturity * coupon or payout conditions * observation schedules * barriers, caps, buffers, or triggers * redemption timing * reference asset performance * operational or eligibility conditions Valuation may be affected by market volatility, time decay, correlation, liquidity, execution assumptions, data availability, hedging costs, model limitations, or extraordinary market events. Product values may differ from user expectations, indicative scenarios, historical behavior, or prior estimates. ### 9. Oracle, Data, and Calculation Risks Certain aspects of the Services may depend on price feeds, reference rates, event data, market data, external APIs, or other third-party information. Such inputs may be delayed, inaccurate, incomplete, unavailable, manipulated, or inconsistent across sources. Where calculations, triggers, payout conditions, or reporting rely on such data, errors or interruptions may affect outcomes, timing, or your ability to act. ### 10. Third-Party Service Risks The Services may rely on or interoperate with third-party wallets, custodians, infrastructure providers, exchanges, bridges, communications tools, analytics vendors, security providers, or other independent services. SIVAX does not own or control such third-party services and is not responsible for their acts, omissions, failures, insolvency, outages, errors, security incidents, or policies. Your use of third-party services is subject to their separate terms and policies. ### 11. Public Blockchain Transparency and Irreversibility Blockchain transactions are generally irreversible once confirmed. If you approve or submit an incorrect transaction, interact with the wrong address, or use a compromised interface or wallet, SIVAX may have no ability to reverse the transaction or recover the transferred assets. In addition, blockchain networks are generally public. Wallet addresses, transaction hashes, timestamps, and related on-chain activity may be visible to others and may be difficult or impossible to delete or fully anonymize. ### 12. Legal and Regulatory Risks The legal and regulatory treatment of digital assets, blockchain-based products, structured products, wallets, sanctions controls, and related services remains uncertain and may change rapidly across jurisdictions. Changes in applicable law, regulation, enforcement priorities, judicial interpretation, licensing expectations, tax treatment, sanctions rules, or compliance requirements may: * restrict or prohibit access to the Services * require modifications to product design or availability * affect the legality or economic value of certain transactions * result in suspension, limitation, or termination of access SIVAX may take actions it considers necessary or appropriate to comply with legal, regulatory, or risk-management obligations. ### 13. Tax Risks Your use of the Services may have tax consequences, including income, capital gains, withholding, transaction, reporting, or indirect tax consequences, depending on your jurisdiction and the nature of your activity. You are solely responsible for determining what taxes apply to you and for reporting and paying any applicable taxes. SIVAX does not provide tax advice. ### 14. No Fiduciary Relationship SIVAX does not act as your broker, investment adviser, fiduciary, agent, attorney, or financial planner, unless expressly stated otherwise in a separate written agreement. No content, communication, product description, market commentary, scenario illustration, dashboard output, or support response should be interpreted as personalized financial, legal, tax, or investment advice, or as a recommendation to enter into any transaction. ### 15. User Responsibility You are solely responsible for evaluating whether use of the Services is lawful and appropriate in your jurisdiction and for your circumstances. Before using the Services, you should ensure that you: * understand the relevant product mechanics and transaction flow * understand the risks of digital assets and blockchain infrastructure * can bear the risk of partial or total loss * have obtained independent legal, tax, accounting, or financial advice where appropriate ### 16. Changes to This Statement We may revise or update this Statement from time to time. When we do, we will update the “Last Modified” date above. Your continued use of the Services does not reduce or eliminate the risks described in this Statement. ### 17. Contact Us If you have questions regarding these General Risk Disclosures, please contact: [**sivax@sivax.io**](mailto:sivax@sivax.io) --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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