Disclaimers

CRYLO^® Risk Disclaimer

Last revised: 26 February 2025

Important Notice

CRYLO® ("crylo.ai", "CRYLO," "we," "our," or "us") provides AI-powered digital wealth management services for digital assets, including but not limited to cryptocurrencies, tokenized securities, and other blockchain-based investments. By accessing or using our platform, you acknowledge and agree to the following risks and disclaimers.

No Investment Advice

CRYLO® does not provide financial, legal, or tax advice. Our platform utilizes artificial intelligence (AI) and machine learning (ML) algorithms to generate insights, but these should not be construed as personalized recommendations. You are solely responsible for your investment decisions. Consult a licensed financial advisor before making any investment.

Market & Volatility Risks

Digital assets are highly volatile and subject to rapid price fluctuations. Past performance is not indicative of future results. Market conditions, regulatory changes, technological failures, or macroeconomic factors may adversely impact asset values. You could lose part or all of your investment.

AI & Algorithmic Risks

While CRYLO® employs advanced algorithms, no AI system is infallible. Models may be based on incomplete data, historical biases, or unforeseen market anomalies. AI-driven strategies may underperform or fail entirely. We do not guarantee accuracy, reliability, or profitability.

Regulatory & Compliance Risks

The regulatory landscape for digital assets is evolving. Changes in laws, taxation, or government policies may affect the legality, liquidity, or value of your holdings. CRYLO® operates in compliance with applicable regulations, but users must independently assess jurisdictional risks.

Cybersecurity & Operational Risks

Despite robust security measures, no system is immune to breaches, hacking, or fraud. Digital assets may be subject to theft, loss, or unauthorized access. CRYLO® is not liable for damages arising from cyberattacks, technical failures, or third-party misconduct.

No Guarantee of Returns

Investing in digital assets involves substantial risk. CRYLO® does not guarantee profits, protection against losses, or the achievement of investment objectives. You should only invest capital you can afford to lose.

Third-Party Services & Links

CRYLO® may integrate with or reference third-party platforms, exchanges, or custodians. We do not endorse or assume responsibility for their services, security, or terms. Use them at your own risk.

Limitation of Liability

To the fullest extent permitted by law, CRYLO®, its affiliates, and employees disclaim all liability for any direct, indirect, incidental, or consequential damages arising from the use of our platform, including but not limited to financial losses, data breaches, or service interruptions.

Acceptance of Risks

By using CRYLO®, its websites or Apps, you confirm that you understand and accept these risks. If you do not agree, you must refrain from using our services.

For further inquiries, contact legal (at) crylo.ai.

CRYLO^® No Guarantee or Results Disclaimer

Last revised: 26 February 2025

Our Disclaimer about no guarantee or results

CRYLO® provides AI-powered digital wealth management services for digital assets, including but not limited to cryptocurrency, tokenized securities, and other blockchain-based investments. By using CRYLO’s platform, you acknowledge and agree that:.

No Guarantee of Results: Past performance is not indicative of future results. CRYLO® does not guarantee any specific investment outcomes, profits, or returns. Digital asset markets are highly volatile, and AI-driven predictions, while advanced, carry inherent risks.

Not Financial or Legal Advice: CRYLO’s tools, analyses, and recommendations are for informational purposes only and do not constitute financial, legal, or tax advice. You should consult a licensed professional before making investment decisions.

Market Risks Apply: Investments in digital assets involve significant risk, including total loss of capital. CRYLO® does not assume liability for any financial losses resulting from market fluctuations, regulatory changes, or technical failures.

AI & Algorithm Limitations: While CRYLO’s AI and machine learning models are designed to optimize decision-making, they may not account for all market variables. Unexpected events, data inaccuracies, or systemic risks may impact performance.

No Fiduciary Duty: CRYLO® operates as a technology service provider, not as a fiduciary. Your use of the platform is at your own risk, and you retain sole responsibility for all investment choices.

By accessing CRYLO’s services, you confirm that you understand these disclaimers and accept full responsibility for your investment decisions.

For further details, please review our Terms of Service and Risk Disclosure Statement.

Contact: legal (at) crylo.ai

CRYLO^® Regulatory & Compliance Disclaimer

Last revised: 26 February 2025

Compliance with Laws and Regulations

CRYLO® operates as a digital wealth management platform specializing in AI-driven investment strategies for digital assets. We adhere to applicable financial regulations in the jurisdictions where we provide services, including but not limited to:

• United States: Compliance with the Securities and Exchange Commission (SEC) regulations, the Financial Industry Regulatory Authority (FINRA), and state-level money transmitter laws.
• Switzerland: Compliance with the FIMA regulations, and money transmitter laws.
• European Union: Compliance with the MiCa regulations, the Financial Industry Regulatory Authority, and country- as well as state-level money transmitter laws.
• Anti-Money Laundering (AML) & Know Your Customer (KYC): CRYLO® enforces strict AML and KYC procedures in accordance with the Bank Secrecy Act (BSA) and the USA PATRIOT Act.
• Consumer Protection: We follow guidelines from the Consumer Financial Protection Bureau (CFPB) to ensure transparency and fairness in client interactions.

No Legal, Tax, or Financial Advice

CRYLO® does not provide legal, tax, or personalized financial advice. Users should consult licensed professionals before making investment decisions. Our AI-driven tools are for informational purposes only and do not guarantee future performance.

Risk Disclosure

Digital asset investments carry inherent risks, including market volatility, regulatory changes, and potential loss of capital. Past performance is not indicative of future results. CRYLO® does not guarantee returns or asset security beyond industry-standard custodial protections.

Data Privacy & Security

CRYLO® employs advanced encryption, multi-factor authentication (MFA), and cybersecurity protocols to safeguard user data. However, no digital platform is immune to breaches—users must exercise caution when sharing sensitive information.

Jurisdictional Restrictions

CRYLO’s services may not be available in all jurisdictions due to regulatory constraints. Users are responsible for ensuring compliance with local laws before engaging with our platform.

For further inquiries, contact compliance (at) crylo.ai.

By using CRYLO®, you acknowledge that you have read, understood, and agreed to this disclaimer.

CRYLO^® Tax Disclaimer

Last revised: 26 February 2025

Our Tax Disclaimer

The information provided on CRYLO’s platform, including any AI-driven insights, investment recommendations, or digital wealth management tools, is for general informational purposes only and should not be construed as tax, legal, or financial advice. CRYLO does not provide personalized tax guidance, and users are solely responsible for complying with all applicable tax laws and regulations in their jurisdiction.

Tax obligations related to digital asset transactions—including capital gains, income reporting, and withholding requirements—vary by country and individual circumstances. CRYLO® does not monitor or report tax liabilities on behalf of users. You should consult a qualified tax professional to assess your specific tax obligations before making investment decisions.

CRYLO® disclaims all liability for any tax-related consequences arising from the use of its platform. Tax laws are subject to change, and CRYLO® does not guarantee the accuracy or completeness of any tax-related information provided. By using CRYLO’s services, you acknowledge and agree that you are solely responsible for your tax compliance.

For further guidance, please consult your local tax authority or a licensed tax advisor.

Contact: For questions regarding this disclaimer, please contact legal (at) crylo.ai.

CRYLO's Third-Party Disclaimer

Last revised: 24 March 2025

Introduction

CRYLO.ai ("CRYLO," "we," "our," or "us") provides AI-powered digital wealth management services for digital assets. This Third-Party Disclaimer outlines important limitations regarding third-party content, services, and links that may be accessible through our platform.

1. Third-Party Content & Services

CRYLO® may display, reference, or integrate third-party content, including market data, research, tools, or links to external websites ("Third-Party Services"). These services are provided for informational purposes only and do not constitute an endorsement, partnership, or legal affiliation between CRYLO® and such third parties. We do not control, verify, or guarantee the accuracy, completeness, or timeliness of Third-Party Services.

2. No Liability for Third-Party Actions

CRYLO® is not responsible for any losses, damages, or legal issues arising from your use of Third-Party Services, including but not limited to:

• Investment decisions based on third-party data.
• Technical failures, security breaches, or fraud involving third-party platforms.
• Compliance with applicable laws or regulations by third parties.

Users engage with Third-Party Services at their own risk. We strongly recommend reviewing the terms, privacy policies, and regulatory compliance of any third party before interaction.

3. External Links & Endorsements

Our platform may contain links to external websites for convenience. CRYLO® does not endorse, approve, or assume responsibility for the content, privacy practices, or security of these sites. Accessing such links is solely at your discretion.

4. No Warranty or Representation

CRYLO® disclaims all warranties—express or implied—regarding Third-Party Services, including fitness for a particular purpose, non-infringement, or uninterrupted access. We do not guarantee that third-party integrations will remain available or error-free.

5. Regulatory & Compliance Notice

Third-Party Services may be subject to different regulatory frameworks. CRYLO® does not oversee their compliance with financial regulations (e.g., SEC, FINRA, AML/KYC laws). Users are solely responsible for ensuring adherence to applicable laws.

6. Changes to This Disclaimer

CRYLO® reserves the right to modify this disclaimer at any time. Continued use of our services constitutes acceptance of such changes.

For questions, contact legal (at) crylo.ai.

CRYLO^® AML & KYC Disclaimer

Last revised: 24 March 2025

We take AML & KYC seriously

At CRYLO®, we are committed to maintaining the highest standards of compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations to ensure a secure and transparent digital wealth management experience. As an AI-powered FinTech firm specializing in digital assets, we adhere to global AML/CFT (Combating the Financing of Terrorism) frameworks, including the Financial Action Task Force (FATF) recommendations, U.S. Bank Secrecy Act (BSA), and SEC/FINRA guidelines.

Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD)

To comply with regulatory requirements, CRYLO® implements strict identity verification procedures for all clients. This includes:

• Government-issued ID verification
• Proof of address
• Source of funds documentation
• Ongoing transaction monitoring via AI-driven anomaly detection

We reserve the right to restrict, suspend, or terminate accounts that exhibit suspicious activity or fail to meet compliance standards.

Sanctions & PEP Screening

CRYLO® screens all clients against global sanctions lists (OFAC, EU, UN) and monitors Politically Exposed Persons (PEPs) to prevent illicit financial activities.

Data Protection & Privacy

All collected information is secured using bank-grade encryption and processed in accordance with GDPR, CCPA, and other data privacy laws.

By using CRYLO’s services, you acknowledge and consent to these compliance measures. Failure to provide required documentation may result in restricted access.

For inquiries, contact: compliance (at) crylo.ai

CRYLO's Privacy & Data Disclaimer

Last revised: 24 March 2025

We fully respect your privacy and your data

At CRYLO®, ("we," "us," or "our"), we prioritize the security and confidentiality of your personal and financial data. This Privacy & Data Disclaimer outlines how we collect, use, store, and protect your information when you interact with our AI-powered digital wealth management platform, CRYLO.ai. By accessing or using our services, you acknowledge and consent to the practices described herein.

1. Information We Collect

We may collect personal and financial data, including but not limited to:

• Identity & Contact Information (e.g., name, email, government-issued ID for KYC compliance)
• Financial Data (e.g., transaction history, digital asset holdings, risk tolerance)
• Technical & Usage Data (e.g., IP address, device information, interactions with our AI algorithms)
• Cookies & Tracking Technologies (to enhance platform functionality and security)

2. How We Use Your Data

Your information is used to:

• Deliver personalized AI-driven investment insights and portfolio management.
• Comply with legal and regulatory obligations (e.g., AML, SEC, GDPR).
• Enhance platform security, fraud detection, and risk management.
• Improve our services through machine learning model training (anonymized where possible).

3. Data Sharing & Third Parties

We do not sell your personal data. However, we may share information with:

• Regulatory & Law Enforcement Authorities (as legally required).
• Trusted Service Providers (e.g., cloud storage, cybersecurity firms) under strict confidentiality agreements.
• Affiliates & Partners (only to the extent necessary for service delivery).

4. Security Measures

CRYLO® employs bank-grade encryption, multi-factor authentication (MFA), and AI-driven anomaly detection to safeguard your data. Despite these measures, no digital platform is entirely risk-free—users must also take precautions (e.g., securing account credentials).

5. International Data Transfers

As a global platform, your data may be processed in jurisdictions outside your residence. We ensure compliance with applicable data protection laws (e.g., GDPR, CCPA) and implement Standard Contractual Clauses (SCCs) where required.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal data.
• Opt out of marketing communications.
• Restrict or object to data processing.
• Lodge complaints with relevant data protection authorities.

To exercise these rights, contact privacy (at) crylo.ai.

7. Updates & Consent

We may update this disclaimer periodically. Continued use of CRYLO.ai constitutes acceptance of the revised terms. For questions, contact our Data Protection Officer (DPO) at dpo (at) crylo.ai.

Note: This disclaimer does not constitute legal advice. Users should consult independent legal counsel for specific compliance concerns.

CRYLO^® Forward-Looking Statement Disclaimer

Last revised: 24 March 2025

Information

The information provided on CRYLO’s website, marketing materials, presentations, and other communications (collectively, the "Materials") may contain forward-looking statements regarding future events, performance, strategies, or expectations. These statements are based on current beliefs, assumptions, and projections about the digital asset and wealth management industry, regulatory developments, technological advancements, and CRYLO’s business operations. Words such as "anticipate," "believe," "estimate," "expect," "intend," "may," "plan," "predict," "project," "will," "would," and similar expressions identify forward-looking statements.

Forward-looking statements involve inherent risks and uncertainties, and actual results may differ materially from those projected. Factors that could cause such differences include, but are not limited to: changes in digital asset regulations, market volatility, cybersecurity threats, technological disruptions, AI model inaccuracies, economic conditions, and competition. CRYLO® does not guarantee the accuracy, completeness, or timeliness of forward-looking statements and disclaims any obligation to update them. Past performance is not indicative of future results, and investing in digital assets carries significant risk, including potential loss of capital.

This disclaimer does not constitute legal, financial, or investment advice. Users should consult qualified professionals before making any investment decisions. By accessing CRYLO’s Materials, you acknowledge and agree to this disclaimer in full.

CRYLO^® Fraud Prevention & Security Disclaimer

Last revised: 2 December 2025

Information

At CRYLO®, safeguarding your digital assets and personal information is our top priority. As an AI-powered digital wealth management firm, we employ cutting-edge encryption, multi-factor authentication (MFA), and advanced AI-driven fraud detection to protect your accounts from unauthorized access and cyber threats. However, no system is entirely immune to risks, and we urge you to remain vigilant against phishing scams, fraudulent communications, and unauthorized transactions.

Your Role in Security

• Never share login credentials, one-time passwords (OTPs), or private keys with anyone — CRYLO® will never ask for this information.
• Verify communications by checking official CRYLO's domains (@crylo.ai) and avoid clicking suspicious links.
• Enable MFA and biometric authentication for enhanced account protection.
• Monitor account activity regularly and report unauthorized transactions immediately.

CRYLO’s Security Measures

• Bank-grade encryption (AES-256, TLS 1.3+) secures all data transmissions.
• AI-powered anomaly detection monitors transactions for suspicious behavior.
• Regulatory compliance wherever we operate (e.g. FINMA, MiCa, MAS, SEC, FINRA), and global AML/CFT standards ensures secure operations.

Reporting Suspicious Activity

If you suspect fraud, contact security (at) crylo.ai immediately. CRYLO® is not liable for losses due to unauthorized access resulting from compromised credentials or phishing. For more details, review our Terms of Service and Privacy Policy.