# Risk Disclosure Statement and Disclaimer ### Risk Disclosure Statement and Disclaimer This Risk Disclosure Statement and Disclaimer (“Statement”) outlines the potential risks associated with using the Oria platform and its related services. By accessing or using our services, you acknowledge and accept the risks described below. *** ### 1. General Risk Acknowledgment Use of financial services, payment systems, and digital platforms involves inherent risks. You acknowledge that: * Transactions may fail, be delayed, or be declined * System interruptions or technical issues may occur * Financial losses may arise from misuse, errors, or external factors You agree that all use of the platform is at your own risk. *** ### 2. No Financial Advice All information provided by Oria is for **informational purposes only** and does not constitute: * Financial advice * Investment recommendations * Legal or tax advice You should independently evaluate your decisions and consult qualified professionals where necessary. Similar disclaimers are standard, as platforms do not act as advisors or fiduciaries. *** ### 3. Third-Party Service Risks Oria operates as a platform integrating services from **third-party providers**, including: * Card issuers and payment processors * Financial infrastructure providers * Identity verification services These services are outside Oria’s direct control. You acknowledge that: * Third-party failures, outages, or policy changes may impact your transactions * Oria is not responsible for third-party performance or decisions * Additional risks may arise from third-party systems and operations *** ### 4. Transaction and Payment Risks When using card or payment services: * Transactions may be declined due to risk controls, insufficient balance, or network issues * Refunds, chargebacks, or disputes may lead to restrictions or account actions * Currency fluctuations or processing delays may affect final settlement amounts *** ### 5. Technical and System Risks Use of digital platforms involves technical risks, including: * Internet connectivity issues * Hardware or software failures * System downtime or maintenance interruptions Such issues may result in delayed, duplicated, or failed transactions. Users are responsible for ensuring a stable and secure environment when using the platform. *** ### 6. Security Risks While Oria implements security measures, no system is completely secure. Risks include: * Unauthorized access due to compromised credentials * Phishing, social engineering, or user negligence * Data breaches or cyberattacks Users are responsible for safeguarding their account and card information. *** ### 7. Regulatory and Compliance Risks Financial services are subject to evolving regulations. You acknowledge that: * Services may be restricted, modified, or terminated due to regulatory requirements * Certain jurisdictions or users may be restricted from accessing services * Compliance actions may impact availability or functionality Regulatory uncertainty is a known risk in financial and digital asset ecosystems. *** ### 8. Service Availability Oria does not guarantee that: * Services will be uninterrupted, secure, or error-free * All features will be available at all times or in all regions Services are provided on an **“as-is” and “as-available” basis**. *** ### 9. Limitation of Liability To the maximum extent permitted by law: * Oria shall not be liable for: * Any indirect, incidental, or consequential losses * Losses resulting from third-party services * Transaction failures, delays, or system interruptions All risks associated with the use of the platform are assumed by the user. *** ### 10. User Responsibility You are responsible for: * Understanding the risks associated with using the platform * Monitoring your transactions and account activity * Using the services in compliance with applicable laws Failure to do so may result in financial loss or account restrictions. *** ### 11. Changes to This Statement We may update this Risk Disclosure Statement from time to time. Continued use of the platform constitutes acceptance of the updated version. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://oriafi.gitbook.io/oria-docs/oria-app/risk-disclosure-statement-and-disclaimer.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.