Risk Disclosure

This Risk Disclosure (the “Notice”) describes the risks associated with cryptocurrencies and with using the Holder.io website. Please read it carefully before using the site. By using the site, you confirm that you have read, understood and accepted this Notice.

General provisions

Holder.io is a cryptocurrency information and analytics website: market data, exchange ratings, reviews, indices, calculators and educational content. Holder.io is not a broker, crypto exchange, dealer, financial or investment adviser, or an investment, credit or payment institution, and holds no such licences. We do not provide financial, investment, brokerage, custody, exchange or payment services, and we neither accept nor hold user funds. All content is provided for informational and educational purposes only.

Not financial advice

No information on the site — including ratings, prices, charts, indices, calculators, reviews, forecasts, opinions or any other material — is, or should be treated as, personal investment, financial, legal, tax, accounting or other professional advice. We do not take into account your personal financial situation, investment objectives, experience or risk tolerance.

No recommendation or offer

The site's content is not an offer, solicitation, advice or recommendation to buy, sell, hold or otherwise deal in any cryptocurrency, nor to use any exchange, wallet or other service. Mentioning, ranking or displaying an asset or a platform does not constitute endorsement, sponsorship or a guarantee.

Risks of cryptocurrency operations

Operations with cryptocurrencies carry a high level of risk and may result in the partial or total loss of the funds involved. Such risks include, without limitation:

• High volatility. Crypto-asset prices can move sharply and significantly in either direction, including over short periods; the market runs 24/7.
• Irreversibility. Blockchain transactions are generally irreversible; a mistaken transfer or loss of key access may lead to a permanent loss of funds.
• Technology risk. Bugs and vulnerabilities in smart contracts, protocols, bridges and third-party services, as well as network failures.
• Liquidity and bad-faith assets. Low liquidity, obscure, fraudulent or manipulated tokens.
• Derived and computed tokens. For liquidity (LP), vault and backed tokens, the displayed price may be a computed value that does not reflect actual tradeability, liquidity or the ability to sell the asset.
• Stablecoins. A stablecoin's peg to its underlying asset may break (de-peg).
• Regulatory, legal and tax risk. The legal status, restrictions and taxation of cryptocurrencies vary by jurisdiction and may change.

Past performance does not guarantee future results. There is no risk-free way to operate with cryptocurrencies.

Data accuracy and completeness

Data on the site (prices, volumes, market capitalisation, ratings, lists of exchanges and trading pairs, indices) is collected from third-party sources, including CoinGecko, and may be delayed, incomplete, inaccurate or temporarily unavailable. Labels such as “no data”, “not traded anywhere” or “not traded on the exchanges we track” reflect the limitations of our sources at the time of the request, not the actual state of affairs. We do not guarantee the accuracy, completeness, timeliness or uninterrupted availability of the data, and we recommend that you independently verify information from primary sources before making any decisions.

Third-party links and affiliate material

The site contains links to third-party platforms (exchanges, wallets, services), as well as affiliate and advertising links. The terms of such platforms are governed by them; by following a link you interact with them directly and accept their terms. The presence of a link, bonus or affiliate placement is not an endorsement, guarantee or warranty. For details, see our Affiliate Disclosure. We are not responsible for the actions, services, availability, security or content of third parties.

User responsibility

You make any cryptocurrency-related decisions independently and at your own risk. Before taking any action, do your own research (DYOR) and, where appropriate, consult an independent licensed financial, legal or tax adviser. Do not invest funds you cannot afford to lose.

Limitation of liability

To the maximum extent permitted by applicable law, Holder.io, its owners, employees, contractors and partners shall not be liable for any direct, indirect, incidental, punitive or consequential damages arising from the use of the site, reliance on its content or the inability to use it, including, without limitation, losses resulting from investment and trading decisions. The site and its content are provided “as is” and “as available”, without any express or implied warranties.

Jurisdiction and applicability

The site's content is not directed at persons in jurisdictions where its distribution or use would be contrary to local law. You are responsible for complying with the laws applicable to you, including restrictions on the ownership, acquisition and circulation of cryptocurrencies, and for meeting your tax obligations.

Language of the document

The original version of this Notice is drafted in Russian. Versions in other languages are provided for convenience only and are informational; in the event of any discrepancy in interpretation, the Russian-language version prevails.

Changes to this Notice

We may update this Notice from time to time. The date of the latest revision is shown at the top of the page (“Updated”). By continuing to use the site after changes are made, you accept the updated version.

Related documents

• Terms and Conditions
• Privacy Policy
• Affiliate Disclosure
• Cookie Policy
• Methodology