Risk Disclosure Policy Costa Rica

Company 3-102-954166, is a legal entity incorporated in Costa Rica with registered address Provincia 06 Puntarenas, Canton 11 Garabito, Jaco, Costado Este de la Municipalidad Garabito, Bufete Sanchez Chavarria and email costarica@xchange-360.com (hereinafter referred to as the “Company”, “we” and “our”). This risk disclosure notice (the “Notice”) supplements our Terms of Service and related services (the “Terms of Service”). This Notice contains information that has been designed to assist you to understand the nature and risks of the services (our “Services”) we offer, highlighting specific risks and considerations relevant to specific Services, and enabling you to take an informed decision before entering into any contract.

This Notice cannot disclose all of the possible risks or other significant information relating to our Services. It is designed to assist you in understanding the nature of our Services and the possible extent of your exposure to risk and potential loss. Please note that, by its very nature, the risks described in this Notice are not exhaustive and other risks or combination of risks not set out could have a material impact on a Service. Various risks may occur simultaneously and/or may compound each other resulting in an unpredictable effect. You should have regard to your own experience, objectives, financial circumstances or any other circumstances when considering whether to enter into any of our Services and, where necessary, you should seek appropriate independent advice in advance of any decisions to enter into any Products.

Retail clients in particular, whilst afforded greater protections under the regulatory regime, should not deal in our Services unless they understand their nature and the extent of their exposure to risk. They should also be satisfied that the Service is suitable for them in the light of their circumstances and financial position. Different Services involve different levels of exposure to risk and some of our Services may be unsuitable for many clients. You should be aware of and consider each of the following before entering into or dealing in any of our Services.

Currency risk

Currency prices may be highly volatile. Price movements for currencies are influenced by, among other things: changing supply and demand; trade, fiscal, monetary, and exchange control policies of governments; foreign political and economic events; changes in national and international interest rates and inflation; currency devaluation; and sentiment of the marketplace. None of these factors can be controlled by clients or us or any of our affiliates, and no assurance can be given that clients will not incur losses from such events.

Under certain conditions, such as where a currency is deregulated, the liquidation of a client’s foreign currency position may be difficult or impossible. Exchange practices, including currency controls, may change from time to time without notice.

To the extent that any portion of a client’s cash, or other assets are held in foreign currencies, the client may incur losses in the event of an unfavorable exchange rate movement.

To the extent that any portion of a client’s cash or other assets is held in a foreign currency that is paying a negative interest rate, the client may be charged interest on free credit balances.

Because foreign currency transactions involve the actual exchange of currency, settlement risk (the risk that one party to a foreign currency transaction will pay the currency it sold but not receive the currency it bought), is generally considered to be a significant source of risk in these transactions. Settlement failures in respect of foreign currency transactions can arise from counterparty default, operational problems, market liquidity constraints, and other factors.

Digital assets and/or cryptoassets

When you buy, sell or transfer digital assets and/or cryptoassets you are dealing with something digital. This means that digital assets and/or cryptoassets are at risk of being hacked (including, without limitation, cyber-attacks and other types of financial crime) or affected by technical problems (such as, without limitation, firm failures and technology outages). This could result in you losing, in whole or in part, your digital assets and/or cryptoassets or delay your ability to sell, transfer or spend it.

The regulatory framework concerning digital assets and/or cryptoassets, as well as the providers of digital assets and/or cryptoassets, may change at any time, thus affecting the value of digital assets and/or cryptoassets. For the time being, no bank or government can stabilise the fluctuations value of digital assets and/or cryptoassets and further, this type of investment isn’t recognised as an investment that an investment compensation fund or depositor scheme can protect. There is no guarantee that digital assets and/or cryptoassets can be easily sold at any given time or without significant losses. The ability and the price at which a digital asset and/or cryptoasset may be sold depends on various factors, including the supply and demand in the market at that time.

Investments in digital assets and/or cryptoassets can be complex, as is the risk assessment associated with their investment. Not all digital assets and/or cryptoassets carry the same risks. You are strongly advised to do your own research and seek independent advice before investing.

Last updated: 18/02/2026