Risk Disclosure

By using Barter Funds to buy, sell, send, receive, or hold digital assets, gift cards, or to make Concierge Pay payments, you acknowledge that you have read and understood the risks described in this Risk Disclosure and that you are using the Services at your own risk. You should not engage in any Transaction unless you fully understand the risks involved and can afford to lose the entire amount.

Digital assets (including cryptocurrencies and tokens) are highly volatile. Their value can rise or fall substantially and rapidly due to market sentiment, regulatory news, liquidity, technological events, and other factors. Exchange rates displayed by Barter Funds are indicative and may change between the time you view them and the time a Transaction is confirmed. We are not responsible for losses arising from market movement.

Digital asset transactions sent to a blockchain are generally irreversible. If you provide an incorrect recipient address or select an unsupported network, funds may be permanently lost and we cannot reverse the transfer. Payouts to a mobile money number or bank account are also generally final once dispatched to the receiving network. Always verify recipient details before confirming.

The legal and regulatory treatment of digital assets and virtual asset service providers varies by jurisdiction and is evolving. Governments may restrict, ban, or impose new licensing, tax, or reporting requirements that affect the availability, price, or legality of the Services or specific assets. We may need to suspend or modify the Services to comply, and are not liable for losses caused by such changes.

Barter Funds does not provide investment, legal, tax, or financial advice. Nothing on the platform is a recommendation, offer, or solicitation to buy, sell, or hold any asset. Rates and tools (such as calculators) are provided for information only. You should obtain independent professional advice before making any decision based on the Services.

Your Barter Wallet balance is a record on our platform and is not a deposit with a bank, is not insured by any deposit protection scheme, and does not earn interest. Holding or transacting digital assets involves reliance on third parties (blockchains, payment networks, banks, and liquidity providers) whose failure, insolvency, or compromise could result in loss. We select partners carefully but cannot guarantee their performance.

Liquidity for certain assets or corridors may be limited, which can cause delays, wider spreads, or the inability to execute a Transaction at a displayed rate. In periods of high volatility or low liquidity, we may suspend certain Services or apply rate adjustments.

The Services depend on internet, mobile money, banking, and blockchain networks that may experience outages, congestion, or cyber attacks. We implement security measures (encryption, MFA, passkeys, monitoring) but no system is perfectly secure. You are responsible for securing your device, credentials, and authentication factors.

Cross-border and currency-conversion Transactions are subject to exchange-rate fluctuations and to the rules and delays of receiving networks, correspondent banks, and intermediary institutions. Amounts received by a beneficiary may differ from the amount you sent due to third-party charges or currency conversion.

You are solely responsible for determining and paying any taxes arising from your use of the Services, including taxes on gains, income, or transactions. Barter Funds does not calculate, withhold, or report taxes on your behalf except where required by law. You should consult a qualified tax adviser.

We make no representation or warranty that the Services will generate a profit or be available at any particular time, or that any asset will retain its value. Past performance does not indicate future results.

By creating an account and using the Services, you confirm that you understand and accept the risks set out in this Risk Disclosure and in our Terms & Conditions, and that you do not hold Barter Funds liable for losses arising from these risks to the maximum extent permitted by law.

If you have questions about the risks of using the Services, contact us: Email: support@barterfunds.com WhatsApp: +233 53 036 7164