Risk Disclaimer

By using the GemHoldings platform, you acknowledge that you understand and accept the risks involved in trading financial instruments. These risks include the possible loss of your entire invested capital.

GemHoldings is authorised and regulated by the Financial Conduct Authority (FCA) (Ref: 298461). Regulation does not eliminate investment risk or guarantee that you will not lose money.

Copy trading involves automatically replicating the trades of other investors. This carries unique risks that you must understand:

• The traders you follow may have very different financial circumstances, risk tolerance, and investment objectives from your own.
• Past performance of a trader shown on the Platform is historical and is not indicative of future results.
• A trader with an excellent 12-month record may incur sudden, significant losses that are replicated in your account.
• A trader may take positions that appear profitable in the short term but carry excessive long-term risk.
• You remain responsible for all trading decisions, including the decision to follow a particular trader.

Financial markets are subject to rapid and unpredictable movements caused by economic data releases, geopolitical events, natural disasters, and changes in investor sentiment. Market prices can move against your position even if your analysis is correct.

Liquidity in some markets can dry up rapidly, particularly during periods of market stress, making it impossible to close a position at the expected price.

Where leveraged trading is available, losses can exceed your initial deposit. Leveraged products amplify both gains and losses. If a position moves against you, you may be required to deposit additional funds to maintain your position or face automatic closure at a loss.

GemHoldings applies retail leverage limits in accordance with FCA regulations. Please ensure you understand the full implications of leverage before trading.

Trading platforms and electronic systems are subject to technical failures including internet outages, server downtime, software bugs, and cybersecurity incidents. These events can prevent you from placing, modifying, or closing orders at critical times.

GemHoldings maintains a 99.9% uptime SLA and has disaster recovery systems in place. However, we cannot guarantee uninterrupted access to the Platform and are not liable for losses caused by technological disruptions beyond our reasonable control.

Changes in laws and regulations in your country of residence or the markets in which you trade can adversely affect your investments. Tax laws relating to investment income may change. You are responsible for ensuring that your use of the Platform complies with all applicable laws in your jurisdiction.

Cryptocurrencies are highly volatile and speculative assets. Their value can fall to zero. Key risks specific to cryptocurrencies include:

• Extreme price volatility "" assets can lose 80%+ of their value in a short period.
• Regulatory uncertainty "" governments may restrict or ban cryptocurrency trading at any time.
• Custody risk "" if private keys or platform wallets are compromised, assets may be permanently lost.
• No investor protection "" cryptocurrency investments are not covered by the Financial Services Compensation Scheme (FSCS).

GemHoldings does not guarantee, represent, or warrant that the use of the Platform will generate any profit. Any discussion of potential returns, whether by GemHoldings, its employees, affiliated traders, or any third party, constitutes a forward-looking statement that is subject to material risks and uncertainties.

Before making any investment decision, we strongly recommend that you seek independent advice from a qualified financial advisor who is authorised by the relevant regulatory authority in your jurisdiction and who can take into account your individual financial circumstances, investment objectives, and risk appetite.

Nothing on the GemHoldings Platform constitutes financial, investment, legal, or tax advice.