Risk Disclosure Statement (RDS)

1. Digital Asset & Stablecoin Risks

• Volatility & De-pegging: Stablecoins such as USDT and USDC are not legal tender and are subject to market volatility. There is an inherent risk that a stablecoin may lose its peg to the US Dollar.
• Blockchain Irreversibility: Transactions on the blockchain are final. AdFiCard is not responsible for assets sent to incorrect wallet addresses, unsupported networks, or wallet management errors.
• Regulatory Evolution: Changes in the laws of the British Virgin Islands, the United States, or other jurisdictions may impact our ability to maintain certain service features.

2. Infrastructure & Technical Risks

• Just-In-Time Funding Model: Cards may be issued with a $0.00 nominal balance and funded dynamically from your available balance at the moment of merchant authorization.
• Authorization Latency: Network latency, internet outages, or upstream provider delays may occasionally result in transaction declines even though our infrastructure targets very fast authorization speed.
• Upstream Issuer Dependency: AdFiCard relies on Tier-1 banking rails and issuers and is not liable for service interruptions, maintenance windows, or policy changes enacted by third-party partners.

3. Advertising Platform Risks

• No Merchant Guarantee: We do not guarantee that Meta, Google, TikTok, LinkedIn, or any other platform will accept our virtual cards at all times.
• Account Suspensions: Advertising platforms use proprietary risk-scoring systems. AdFiCard is not liable for ad account suspensions, permanent bans, or loss of advertising credits resulting from your media buying activities.
• Card Rejections: Merchants may reject cards for reasons such as BIN flags or region mismatch beyond AdFiCard's control.

4. Multi-Router & Neutral Core Governance

• Strategic Routing: AdFiCard reserves the right to route your transactions through different providers or rails to optimize uptime and BIN health.
• Issuer Anonymity: We do not disclose the specific identity of upstream issuers, and issuers may change without prior notice.

5. Operational & Security Risks

• Account Compromise: You are solely responsible for securing your login credentials and 2FA.
• Burn-and-Run Protection: Accounts flagged for harming BIN reputation through excessive declines or fraudulent debt may be frozen without notice to protect the ecosystem.

6. No Financial or Legal Advice

ADFI GLOBAL LTD does not provide financial, legal, or tax advice. All information on our website and in our communications is for informational purposes only. You should consult qualified advisors regarding digital asset-based payment solutions in your jurisdiction.

7. Limitation of Liability

To the maximum extent permitted under BVI law, ADFI GLOBAL LTD shall not be liable for any indirect, incidental, or consequential damages, including loss of profits or ad account value, arising from the use of our infrastructure.