Risk Disclosure Statement

Fine Gold Reserve

Last Updated: 1st January, 2026

1. Introduction

This Risk Disclosure Statement is provided by Fine Gold Reserve (“Company”, “we”, “our”, or “us”) to ensure that all users fully understand the risks associated with purchasing, holding, or transacting in digital gold backed by physical gold.

By opening an account or using our services, you acknowledge that you have read, understood, and accepted the risks described below.

2. Nature of Digital Gold

Digital gold represents a digital record of ownership or beneficial interest in physical gold stored in secure vault facilities.

Digital gold is:

Not legal tender
Not a bank deposit
Not insured by any government deposit protection scheme
Not guaranteed to maintain value

Ownership value depends on prevailing gold market prices and operational conditions.

3. Market Risk

Gold prices fluctuate due to global economic conditions including:

Inflation and interest rates
Currency movements
Central bank policies
Geopolitical events
Supply and demand dynamics

You may experience financial loss if gold prices decline.

Past performance of gold does not guarantee future results.

4. Liquidity Risk

Although Fine Gold Reserve aims to provide buy and sell functionality, liquidity may be affected by:

Market volatility
Banking disruptions
Regulatory restrictions
Operational limitations

Immediate sale or conversion to cash may not always be available.

5. Custody and Storage Risk

Physical gold backing digital balances is stored with professional vault custodians.

Risks may include:

Operational failures of custodians
Transportation risks
Security incidents
Force majeure events

While strict security standards are applied, no storage system is completely risk-free.

6. Counterparty Risk

Clients rely on:

Fine Gold Reserve operations
Vault storage partners
Financial institutions
Payment processors

Failure or insolvency of any counterparty could impact service availability or settlement timing.

7. Technology Risk

Digital gold services depend on technology infrastructure including:

Internet connectivity
Servers and databases
Authentication systems
Software platforms

Risks include:

Cybersecurity incidents
System outages
Unauthorized access attempts
Data transmission interruptions

Despite security measures, technological risks cannot be eliminated entirely.

8. Regulatory and Legal Risk

Digital gold services operate within evolving legal frameworks.

Risks include:

Changes in financial regulations
Government restrictions
Licensing requirements
Cross-border compliance rules

Regulatory developments may affect service availability or operational structure.

9. Currency Risk

Transactions may involve currency conversions.

Users may experience gains or losses resulting from:

Exchange rate fluctuations
Local currency depreciation
International payment costs

Currency risk exists independently of gold price movements.

10. Operational Risk

Operational risks may arise from:

Human error
Internal system failures
Administrative delays
Third-party service interruptions

Fine Gold Reserve continuously improves operational controls but cannot eliminate all risks.

11. No Investment Advice

Fine Gold Reserve does not provide:

Investment advice
Financial planning services
Portfolio recommendations
Tax or legal advice

All decisions to buy or sell digital gold are made solely by the user.

Users should seek independent professional advice before investing.

12. Volatility and Price Execution Risk

Prices displayed on the platform may change rapidly due to global market conditions.

Execution prices may differ from displayed prices due to:

Market movements
Transaction timing
Liquidity conditions

13. Force Majeure

Fine Gold Reserve shall not be liable for service disruption caused by events beyond reasonable control, including:

Natural disasters
War or civil unrest
Government action
Infrastructure failure
Global financial crises

14. User Responsibility

Users are responsible for:

Securing account credentials
Understanding investment risks
Monitoring their accounts
Maintaining updated personal information

Losses resulting from user negligence may not be recoverable.

15. No Guarantee of Profit

Digital gold investments:

May increase or decrease in value
Do not guarantee returns
Are subject to market risk

Fine Gold Reserve does not guarantee profits, income, or capital preservation.

16. Acknowledgment of Risk

By using Fine Gold Reserve services, you acknowledge that:

You understand the risks described
You accept responsibility for investment decisions
You are financially capable of bearing potential losses

17. Updates to This Disclosure

This Risk Disclosure Statement may be updated periodically to reflect operational, legal, or market developments.

Continued use of the platform constitutes acceptance of updated disclosures.

18. Contact Information

For questions regarding risk disclosures:

Compliance Department
Fine Gold Reserve

Email: compliance@finegoldreserve.com
Website: www.finegoldreserve.com