Effective Date: 2026-01-20

1. Introduction

This Risk Disclosure (“Disclosure”) explains certain risks associated with using PassCash services.

PassCash provides digital financial technology services, including wallet services, payment solutions, card access, and other financial products through internal technology systems and third-party service providers.

Users should carefully review this Disclosure before using PassCash services.

By accessing or using PassCash services, users acknowledge that financial technology products involve risks and that service availability, transactions, and account access may be affected by circumstances outside the control of PassCash.

2. No Guarantee of Financial Results

PassCash does not guarantee:

1. Profit
2. Investment returns
3. Currency value appreciation
4. Transaction approval
5. Continuous availability of services.

Users are responsible for understanding the products and services they choose to use.

3. Technology and Security Risks

Digital financial services depend on technology infrastructure.

Users acknowledge potential risks including:

1. System outages
2. Cybersecurity threats
3. Unauthorized access attempts.
4. Software failures.
5. Internet connectivity issues.
6. Third-party system interruptions.

PassCash maintains security measures designed to protect users and systems but cannot guarantee that all risks can be completely eliminated.

4. Third-Party Provider Risks

PassCash works with third-party financial institutions, payment processors, banking partners, card issuers, and technology providers.

These providers may:

1. Change their services
2. Restrict access
3. Delay transactions
4. Apply additional requirements
5. Suspend services.

PassCash is not responsible for failures or actions caused by third-party providers outside its reasonable control.

5. Regulatory and Compliance Risks

Financial services are subject to changing laws, regulations, and regulatory requirements.

PassCash may be required to:

1. Collect additional user information
2. Perform identity verification
3. Restrict certain transactions
4. Suspend accounts
5. Modify services.

Regulatory changes may impact availability, functionality, or access to certain PassCash products.

6. Transaction Risks

Transactions may be delayed, rejected, reversed, or cancelled due to:

1. Fraud monitoring.
2. Compliance reviews.
3. Payment network issues.
4. Provider requirements.
5. Incorrect user information.
6. Technical failures.

Users should verify transaction details before confirming payments or transfers.

7. Currency and Exchange Rate Risks

Where currency conversion services are available, users acknowledge that exchange rates may fluctuate.

Changes in currency markets may affect:

1. Transaction values;
2. Conversion amounts;
3. Available balances;
4. Fees.

PassCash does not control market currency movements.

8. Account Access Risks

Users are responsible for protecting their account credentials.

Risks may occur if users:

1. Share passwords
2. Lose access to authentication methods
3. Use unsecured devices
4. Fail to monitor account activity.

Users should immediately report suspected unauthorized access.

9. Fraud and Security Risks

Users may be targeted by:

1. Phishing attempts.
2. Identity theft.
3. Social engineering attacks.
4. Unauthorized transactions.

PassCash will never request sensitive account credentials through unofficial communication channels.

Users should maintain appropriate security practices.

10. Service Availability Risks

PassCash services may occasionally be unavailable due to:

1. Maintenance
2. Security updates
3. Infrastructure issues
4. Provider outages
5. Regulatory requirements.

PassCash does not guarantee uninterrupted or error-free access.

11. User Responsibilities

Users are responsible for:

1. Providing accurate information;
2. Following applicable laws
3. Maintaining account security
4. Reviewing transactions
5. Understanding applicable fees
6. Using services responsibly.

12. Limitation of Liability

To the maximum extent permitted by applicable law, PassCash is not responsible for losses resulting from:

1. Third-party provider actions
2. Market changes
3. User negligence
4. Unauthorized access caused by user actions
5. Events beyond PassCash’s reasonable control.

13. Acceptance of Risk

By using PassCash services, users acknowledge that digital financial services involve operational, technological, regulatory, and financial risks.

Users should only use services they understand and are comfortable using.

14. Contact Information

For questions regarding this Risk Disclosure:

PassCash Investing LLC
Email: support@passcash.org
Website: passcash.org