1. General Introduction

This Risk Warning is designed to inform users of Prop.com about the potential risks involved in utilizing our services. Our aim is to provide a comprehensive overview, but please be aware that this document might not encompass all possible risks or how such risks may relate to your unique circumstances. Understanding and carefully considering these risks is crucial before engaging with our services. If you have any uncertainties or require more detailed information, we encourage you to seek additional advice or clarification to ensure informed decision-making.

2. Market and Investment Risks

2.1 Market Volatility

Investments in digital assets and real estate securitization are subject to market fluctuations. Rapid and unpredictable changes can significantly impact investment values. Real estate securitization, which pools property assets into tradable securities, carries unique risks. These include property market volatility, fluctuating real estate values, and variations in rental income, which all can affect security performance. Investors should be aware that past performance of any asset is not indicative of future results. It’s important to consider your risk tolerance and the specific challenges associated with real estate securitization when making investment decisions.

2.2 Investment Decisions

The decision to utilize our products or services is entirely at your discretion. Prop.com does not offer personalized investment or financial advice, and any information we provide should not be construed as such. We strongly encourage you to base your investment decisions on your personal financial objectives, while being mindful of the inherent risks involved in any investment. For a more tailored investment strategy, seeking advice from independent financial advisors is recommended.

3. Liquidity and Credit Risks

3.1 Liquidity Risk

Certain investments, such as some digital assets or specialized real estate securities, may face liquidity issues, making them challenging to convert into cash or sell without significant loss in value. This risk is particularly pronounced during periods of rapid market movement. As a result, you may encounter difficulties in liquidating these investments at your preferred prices or within your desired timeframe.

3.2 Credit Risk

If your investments involve debt instruments, there is a credit risk element, which refers to the possibility of default by debt issuers. Such an event can adversely affect the expected returns and the overall value of your investments.

4. Operational and Technology Risks

4.1 Service Availability

We at Prop.com are committed to providing continuous, uninterrupted service. However, we cannot guarantee that our services will always be free from disruptions, including but not limited to technical malfunctions, maintenance procedures, or external factors beyond our control. While we endeavor to minimize such occurrences, it’s important to note that interruptions in service do not constitute a liability on the part of Prop.com for any losses or damages you may incur. We recommend users have contingency plans in place to manage their investments during periods of service downtime.

4.2 Security Risks

The security of your account and investments is heavily contingent upon how you manage the confidentiality of your account information. You are responsible for safeguarding your login credentials, and any losses resulting from unauthorized or fraudulent transactions may be irrecoverable.

5. Regulatory, Legal, and Tax Compliance

5.1 Regulatory Changes

The investment landscape is subject to evolving laws, regulations, and government policies, which can significantly impact the performance and legality of certain investments. You are responsible for staying informed and compliant with all relevant regulations in your jurisdiction.

5.2 Tax Obligations

As an investor, it is your responsibility to understand and adhere to your tax obligations. Taxes related to your investments can be complex and vary by jurisdiction. Prop.com does not offer tax or legal advice; you should consult with a tax professional to understand your personal tax liabilities.

6. Third-Party Risks

6.1 Third-Party Involvement

Our services may include or rely on third-party providers, such as payment processors or custodial services. You may be subjected to their terms and conditions, and Prop.com is not liable for any loss or damage arising from their services.

7. No Guarantee of Returns

7.1 No Guarantee of Returns

Investing through Prop.com carries no guaranteed profits. The value of your investments can decrease, and there is a possibility of losing your entire principal investment, as investment markets are influenced by a multitude of factors like market volatility, economic shifts, and geopolitical events. We encourage users to conduct thorough due diligence and seek advice from professional financial advisors before making any investment.

8. Acknowledgement and Responsibility

By using Prop.com, you acknowledge and accept the risks outlined in this notice. It is your responsibility to ensure that the use of our services is in alignment with your financial goals, objectives, and risk tolerance. You should continuously assess whether the products and services offered by Prop.com are suitable for your individual financial situation.

Prop.com is not subject to oversight by the Bank of Lithuania (BoL), as it operates under an exemption from the requirement to publish a complete prospectus. Prop.com diligently adheres to all legal mandates, furnishing a comprehensive information document for each investment property, which is promptly shared with the Bank of Lithuania (BoL). Our commitment to transparency remains unwavering as we engage with all our investors.