Risk Disclosure Statement

Last updated: April 27, 2026

1. Purpose of This Disclosure

This Risk Disclosure Statement is intended to inform users of ChangeCoinNow (the "Service") about the various risks associated with cryptocurrency exchange transactions. This document does not purport to disclose all risks and considerations involved in cryptocurrency transactions. You should not use the Service unless you fully understand the nature of the transactions you are entering into and the extent of your risk exposure.

By using the Service, you acknowledge that you have read, understood, and accepted all of the risks described in this document and that you are solely responsible for any losses you may incur.

2. Market Volatility Risk

Cryptocurrency markets are extremely volatile. The value of any cryptocurrency can fluctuate dramatically within minutes, hours, or days. Price movements of 10% or more within a single day are not uncommon. This volatility means that:

• The exchange rate you receive may differ significantly from the rate displayed at the time you initiated the exchange, particularly for standard rate (non-fixed) transactions.
• The value of the cryptocurrency you receive may decrease substantially after the exchange is completed.
• Historical performance of any cryptocurrency is not indicative of its future value.
• Cryptocurrencies may lose all or substantially all of their value with little or no warning.

ChangeCoinNow does not guarantee any exchange rate and is not responsible for losses resulting from market price movements during or after the exchange process.

3. Technology and Network Risks

3.1 Blockchain Network Risks

Cryptocurrency transactions depend on the proper functioning of decentralized blockchain networks. These networks are subject to:

• Network congestion: High transaction volumes may cause delays in transaction confirmation, resulting in longer processing times for your exchange.
• Hard forks and protocol changes: Blockchain networks may undergo protocol upgrades or split into multiple versions (hard forks), which may temporarily or permanently affect the availability, value, or functionality of specific cryptocurrencies.
• 51% attacks: A malicious actor that gains control of a majority of a blockchain's mining or validating power may be able to reverse transactions or double-spend tokens.
• Smart contract vulnerabilities: Tokens that rely on smart contracts may be affected by bugs, exploits, or unintended behavior in the underlying code.
• Network downtime: Blockchain networks may experience periods of downtime due to upgrades, attacks, or technical failures.

3.2 Service Availability

While we strive to maintain continuous availability of the Service, we cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to scheduled maintenance, server outages, DDoS attacks, internet service provider issues, or other technical problems. We are not liable for any losses resulting from Service downtime.

3.3 Software Risks

The Service and its underlying technology may contain bugs, errors, or vulnerabilities. While we take reasonable measures to ensure the quality and security of our software, no software is entirely free of defects. We are not liable for losses resulting from software errors or vulnerabilities.

4. Transaction Risks

4.1 Irreversibility

Cryptocurrency transactions are irreversible once confirmed on the blockchain. If you send funds to an incorrect address, provide an incorrect memo or destination tag, or make any other error in the transaction details, your funds may be permanently and irrecoverably lost. ChangeCoinNow cannot reverse, cancel, or recover funds from completed blockchain transactions.

4.2 Incorrect Wallet Address or Memo

You are solely responsible for verifying the accuracy of all wallet addresses, memos, destination tags, extra IDs, and other transaction identifiers before initiating a transaction. Common errors include:

• Sending cryptocurrency to an address on the wrong blockchain network (e.g., sending ERC-20 tokens to a BEP-20 address).
• Omitting a required memo or destination tag for cryptocurrencies such as Stellar (XLM), Ripple (XRP), Cosmos (ATOM), Toncoin (TON), EOS, and others.
• Copying an incomplete or corrupted wallet address.
• Sending an amount below the minimum required for the exchange pair.

ChangeCoinNow is not responsible for funds lost due to user errors in providing transaction details.

4.3 Deposit Address Expiration

Deposit addresses generated for your exchange have a limited validity period. Sending funds to an expired deposit address may result in the loss of those funds or significant delays in processing. Always verify that your deposit address is still active before sending funds.

4.4 Multiple Deposits

Each exchange transaction is associated with a unique deposit address and expected amount. Sending multiple deposits to the same address, or sending an amount different from the expected amount, may cause processing complications and potential loss of funds.

5. Regulatory and Legal Risks

5.1 Changing Regulatory Environment

The legal and regulatory status of cryptocurrencies varies significantly across different jurisdictions and is subject to rapid and unpredictable change. Regulatory actions may include:

• Outright prohibition of cryptocurrency trading, exchange, or holding.
• Requirements for registration, licensing, or compliance that may affect the availability of the Service in certain jurisdictions.
• Taxation requirements that may apply to cryptocurrency transactions in your jurisdiction.
• Restrictions on cross-border cryptocurrency transfers.
• Requirements for enhanced identity verification or reporting of transactions.

5.2 Tax Obligations

Cryptocurrency transactions may be subject to income tax, capital gains tax, value-added tax, or other taxes in your jurisdiction. You are solely responsible for determining your tax obligations and for filing all required tax returns and making all required tax payments. ChangeCoinNow does not provide tax advice and does not report transactions to tax authorities on your behalf.

5.3 Sanctions and Compliance

ChangeCoinNow complies with applicable international sanctions regimes. Users in sanctioned jurisdictions or on sanctions lists are prohibited from using the Service. Transactions identified as potentially involving sanctioned parties may be frozen, delayed, or reported to relevant authorities.

6. Security Risks

6.1 Wallet Security

The security of the cryptocurrency you receive after an exchange depends entirely on the security of your own wallet. ChangeCoinNow is not responsible for losses resulting from compromised wallets, stolen private keys, phishing attacks, malware, or other security breaches affecting your personal devices or accounts.

6.2 Phishing and Scams

Be aware of phishing attempts that may impersonate ChangeCoinNow or other cryptocurrency services. Always verify that you are accessing the correct website (changecoinnow.com) before entering any transaction details. We will never ask for your private keys, seed phrases, or passwords.

6.3 Third-Party Risks

The Service relies on third-party liquidity providers and blockchain infrastructure. These third parties may be subject to their own security vulnerabilities, operational failures, or regulatory actions that could affect your transactions.

7. Liquidity Risks

Certain cryptocurrency pairs may have limited liquidity, meaning that large transactions may receive less favorable exchange rates or may not be completed in a timely manner. Low-liquidity tokens may also be more susceptible to price manipulation and extreme volatility.

The availability of specific exchange pairs may change at any time without prior notice. A pair that is available today may be temporarily or permanently removed due to insufficient liquidity, regulatory requirements, or technical issues.

8. Token-Specific Risks

Different cryptocurrencies carry different levels of risk. Consider the following:

• Established cryptocurrencies (e.g., Bitcoin, Ethereum) generally have higher liquidity and more established track records but are still subject to significant volatility and risk.
• Altcoins and newer tokens may have limited trading history, lower liquidity, smaller developer communities, and higher risk of project failure or abandonment.
• Stablecoins (e.g., USDT, USDC) aim to maintain a stable value but may lose their peg due to reserve management issues, regulatory actions, or market confidence crises.
• Meme coins and speculative tokens carry extremely high risk and may lose all value rapidly.
• Wrapped or bridged tokens carry additional smart contract and bridge security risks beyond those of the underlying asset.

9. Non-Custodial Nature of the Service

ChangeCoinNow operates on a non-custodial basis, meaning that we do not hold, store, or manage your cryptocurrency at any time. While this eliminates certain custodial risks (such as exchange hacks or insolvency affecting your funds), it also means that:

• You are solely responsible for the security of your own wallets and private keys.
• We cannot recover funds sent to incorrect addresses or with missing memos.
• We cannot reverse or modify transactions once they are broadcast to the blockchain.
• You bear full responsibility for verifying all transaction details before confirming an exchange.

10. No Investment Advice

Nothing on the Service constitutes investment advice, financial advice, trading advice, legal advice, tax advice, or any other form of professional advice. The Service is provided solely as a tool for exchanging one cryptocurrency for another. Any decision to use the Service and to exchange specific cryptocurrencies is made entirely at your own discretion and risk.

You should consult qualified professional advisors before making any financial decisions involving cryptocurrency. Past performance of any cryptocurrency is not a reliable indicator of future results.

11. Loss of Capital

12. Acknowledgment

By using the Service, you expressly acknowledge and agree that:

• You have read and understood this Risk Disclosure Statement in its entirety.
• You understand the risks associated with cryptocurrency exchange transactions as described herein.
• You accept sole responsibility for any losses you may incur as a result of using the Service.
• You have the financial capacity to bear any losses that may result from your use of the Service.
• You will not hold ChangeCoinNow liable for any losses arising from the risks described in this document.
• This Risk Disclosure Statement may not cover all possible risks, and you are encouraged to seek independent professional advice.

13. Contact Information

If you have any questions about the risks described in this document, please contact us at:

Email: [email protected]