Warning Notice and Risk Disclosure

This Warning Notice and Risk Disclosure applies to all services provided by VAY FINANCE INC., operating as "VayFinance". Please read it carefully before using our services. It does not describe every risk associated with cryptocurrency and does not constitute financial, legal, or tax advice.

1. Cryptocurrency is highly volatile

The value of cryptocurrency can rise or fall significantly and rapidly, including to zero. Past performance is not an indicator of future results. You should only purchase cryptocurrency with funds you can afford to lose.

2. No investment advice

We do not provide investment, financial, legal, or tax advice, and nothing on our website or in our communications should be treated as a recommendation to buy, sell, or hold any asset. You are solely responsible for your decisions.

3. Transactions are irreversible

Blockchain transactions cannot be reversed, cancelled, or recalled once broadcast. You are responsible for verifying that the wallet address and network you provide are correct. We cannot recover crypto assets sent to an incorrect address or an unsupported network.

4. Not a deposit-taking institution

VAY FINANCE INC. is not a bank. Funds and crypto assets processed through our services are not deposits and are not protected by the Canada Deposit Insurance Corporation (CDIC) or any similar deposit insurance scheme.

5. Regulatory risk

The regulatory treatment of cryptocurrency continues to evolve in Canada and other jurisdictions. Future legal or regulatory changes could affect the value, legality, or availability of our services.

6. Wallet and cybersecurity risk

You are responsible for the security of your own wallet, private keys, and seed phrases. We never ask for your private keys or seed phrase. Loss of your wallet credentials or falling victim to phishing or scams can result in permanent, unrecoverable loss of your crypto assets.

7. Third-party and payment risk

Delays or failures caused by banks, payment processors, or blockchain network congestion are outside our control and may affect how quickly an order is completed.

8. Tax responsibility

You are solely responsible for determining and meeting any tax obligations arising from your use of our services in your jurisdiction of residence.

9. No guarantee of availability

Rates, assets, and features offered through our services may change or become unavailable at any time, including due to market conditions, liquidity, or regulatory requirements.

10. Acknowledgement

By using our services, you confirm that you understand and accept the risks described in this notice.

11. Contact us

Questions about this notice can be sent to support@vayfinance.com or by mail to VAY FINANCE INC., 94 Lakeshore Road East, Unit 203, Mississauga, Ontario, L5G 1E3, Canada.