Legal Disclaimer & Risk Warning

1. No Financial Advice

1.1 Information Only

CryptoDashboardPlus is a portfolio tracking and analytics tool. All information provided is for informational purposes only and should NOT be construed as:

• Investment advice or recommendations
• Financial planning or advisory services
• Trading signals or strategies
• Tax advice or tax planning
• Legal advice
• An offer or solicitation to buy or sell any securities or financial instruments

1.2 Not Professional Advisors

We are NOT:

• Registered investment advisors
• Financial planners
• Certified public accountants
• Lawyers or legal advisors
• Licensed securities brokers

1.3 Seek Professional Advice

Before making any investment decisions, you should consult with qualified professionals including:

• Licensed financial advisors
• Certified public accountants for tax implications
• Legal counsel for regulatory and legal matters

2. Third-Party Services and Integrations

2.1 Exchange Integration Disclaimer

2.2 Data Accuracy

We rely on third-party data sources (primarily CoinGecko API) for cryptocurrency prices, market data, and information. We do NOT guarantee:

• Accuracy of prices or market data
• Real-time data (prices may be delayed)
• Availability of data for all cryptocurrencies
• Continuous availability of third-party APIs

Always verify critical information with multiple sources before making financial decisions.

3. Cryptocurrency Risks

3.1 Volatility Risk

Cryptocurrencies are extremely volatile:

• Prices can drop 50% or more in hours or days
• Rapid price swings can trigger panic selling
• Market manipulation is common in smaller coins
• Flash crashes can occur without warning
• Volatility can exceed traditional financial markets by 10x or more

3.2 Loss of Capital

YOU CAN LOSE ALL OF YOUR INVESTMENT. Risks include:

• Project failure or abandonment
• Exchange hacks and security breaches
• Lost or stolen private keys
• Smart contract bugs and exploits
• Rug pulls and exit scams
• Regulatory crackdowns

3.3 Regulatory Risk

Cryptocurrency regulation is uncertain and evolving:

• Governments may ban or heavily restrict cryptocurrencies
• Tax treatment is unclear and changing
• Securities laws may apply unexpectedly
• Cross-border transactions may be restricted
• Future regulations may negatively impact value

3.4 Technical Risk

Blockchain technology carries technical risks:

• Network congestion can prevent transactions
• Hard forks can split communities and value
• Quantum computing could break encryption
• Software bugs can lead to lost funds
• 51% attacks can compromise network security

3.5 Liquidity Risk

Not all cryptocurrencies are easily tradable:

• Low-cap coins may be impossible to sell
• Order books can be thin or non-existent
• Slippage can be significant on large orders
• Exchanges may delist tokens
• Market crashes can eliminate liquidity entirely

3.6 Custody Risk

Managing cryptocurrency custody is complex:

• Losing private keys means permanent loss of funds
• Exchange hacks can result in total loss
• No FDIC insurance or investor protection
• Phishing and social engineering attacks
• No recourse for mistakes or theft

4. Data Accuracy Disclaimer

4.1 No Guarantee of Accuracy

While we strive for accuracy, we make NO GUARANTEES regarding:

• Cryptocurrency price accuracy
• Portfolio valuation calculations
• Exchange rate conversions
• Historical data correctness
• Real-time data timeliness

4.2 Third-Party Data Sources

We rely on third-party data sources and are NOT responsible for their accuracy:

• CoinGecko API: Cryptocurrency prices may be delayed by up to 60 seconds. Free tier API has rate limits that may cause temporary price update delays.
• Exchange APIs:
  • Binance API - May have rate limits, downtime, or API changes
  • Coinbase API - Transaction history may be incomplete if exchange has issues
  • Pionex API - Bot performance data may be delayed
• Blockchain RPCs: Wallet balances fetched from blockchain nodes (Ethereum, BSC, Polygon, etc.) may be delayed during network congestion
• Data accuracy: We do NOT guarantee:
  • Real-time accuracy of prices
  • Completeness of transaction history
  • Correct exchange rate conversions
  • Accurate token balances (depends on blockchain RPC availability)

We are not responsible for errors, delays, outages, or inaccuracies in third-party data.

4.3 Your Responsibility

You must independently verify all data before making decisions. Do not rely solely on information from this platform.

5. Tax Implications

5.1 Tax Compliance

Cryptocurrency transactions are typically taxable events:

• Selling crypto for fiat currency
• Trading one crypto for another
• Using crypto to purchase goods or services
• Receiving crypto as income
• Mining or staking rewards

5.2 Tax Reports Are Informational Only

CryptoDashboardPlus provides tax report exports (IRS Form 8949 format for U.S. users):

• NOT tax advice: Tax reports are informational tools only, NOT official tax preparation
• NOT guaranteed accurate: We do NOT guarantee tax calculations are correct or complete
• Your responsibility: You must verify all tax calculations independently
• Consult a professional: Always consult a CPA or tax professional before filing

5.3 Record Keeping

While we provide export tools (CSV, Form 8949), YOU are solely responsible for:

• Maintaining accurate tax records
• Verifying capital gains/losses calculations
• Reporting all taxable events to tax authorities
• Complying with all tax obligations in your jurisdiction
• Reporting staking rewards, airdrops, and other taxable events (our tool may not capture all)

5.4 Consult a Tax Professional

Cryptocurrency taxation is extremely complex and varies by jurisdiction. We strongly recommend consulting with:

• Certified Public Accountant (CPA) specializing in cryptocurrency
• Tax attorney familiar with digital asset taxation
• Professional tax preparation service with crypto expertise

Do NOT rely solely on automated tax reports. Human expert review is essential.

6. Platform Limitations

6.1 Service Availability

We do not guarantee:

• Uninterrupted service availability
• Error-free operation
• Compatibility with all devices
• Preservation of all data indefinitely

5.2 Technical Issues and Limitations

Technical issues may occur including:

• API rate limits: CoinGecko free tier limits (50 calls/minute) may cause delayed price updates
• Exchange sync failures: Binance/Coinbase/Pionex API timeouts or rate limits may prevent synchronization
• Blockchain RPC limits: Wallet balance fetching may fail during high network congestion
• Data sync delays: Exchange transaction history may take several minutes to sync
• Calculation errors: Portfolio calculations may be incorrect due to missing price data
• localStorage limits: Browser localStorage has size limits (~5-10MB); large portfolios may hit limits
• Display glitches: Charts may not render correctly on older browsers
• Export limitations: CSV exports may be incomplete for very large transaction histories
• Browser compatibility: Best experience on Chrome/Edge/Firefox; Safari may have limited support

5.3 Third-Party Service Dependencies

Our service depends on third parties and may fail if they have issues:

• CoinGecko API down: Prices will be unavailable or stale (cached data used)
• Exchange APIs:
  • Binance API changes or downtime breaks sync functionality
  • Coinbase API rate limits may prevent frequent syncing
  • Pionex API may not support all bot types
• Blockchain RPCs: Infura/Alchemy downtime prevents wallet balance fetching
• Stripe payment processor: Payment failures if Stripe has outages
• Email service (Nodemailer): Alert emails may not be delivered if email service fails
• Telegram Bot API: Notifications may fail if Telegram servers are down

We are NOT responsible for third-party service failures or changes to their APIs.

7. Security Disclaimer

7.1 API Key Security (CRITICAL)

When providing exchange API keys to CryptoDashboardPlus:

• ONLY grant READ-ONLY permissions - Never enable withdrawal, trading, or transfer permissions
• Required permissions:
  • Binance: ONLY "Enable Reading" (uncheck all other boxes)
  • Coinbase: ONLY "wallet:accounts:read" and "wallet:transactions:read"
  • Pionex: View-only API key
• Your responsibility:
  • Verify permissions before entering API keys
  • Monitor API key usage on your exchange dashboard
  • Revoke keys immediately if you suspect compromise
  • Do NOT share API keys with anyone
  • Rotate API keys periodically for security
• Our encryption: API keys are encrypted with AES-256 and stored securely, but you are still responsible for key security
• NOT liable: We are NOT responsible for losses from:
  • Compromised API keys
  • API keys with excessive permissions (withdrawal/trading enabled)
  • Phishing attacks that steal your API keys
  • Unauthorized access to your exchange account

6.2 Account Security

You are responsible for:

• Using strong, unique passwords
• Enabling two-factor authentication (when available)
• Protecting your login credentials
• Monitoring for unauthorized access

6.3 No Bank-Level Security

This is a software service, not a regulated financial institution. We do not provide:

• FDIC insurance
• Investor protection schemes
• Guaranteed security
• Compensation for losses due to breaches

8. Forward-Looking Statements

Any projections, forecasts, or estimates displayed (such as goal tracking) are:

• Hypothetical and for planning purposes only
• Not guarantees of future performance
• Based on assumptions that may not materialize
• Subject to significant uncertainty

Past performance does not guarantee future results.

9. No Endorsement

8.1 Cryptocurrency Projects

Listing or displaying a cryptocurrency does NOT constitute:

• An endorsement of the project
• A recommendation to invest
• Verification of project legitimacy
• An opinion on project quality or viability

8.2 Exchanges and Services

Integration with exchanges and services does NOT imply:

• We endorse their services
• We guarantee their security or reliability
• We are affiliated with or sponsored by them
• They have met any quality standards

10. Limitation of Liability

We are not liable for:

• Investment losses of any kind
• Lost profits or opportunities
• Data inaccuracies or errors
• Service interruptions or downtime
• Security breaches or compromised accounts
• Third-party service failures
• Tax penalties or regulatory issues
• Any direct, indirect, incidental, or consequential damages

11. Investment Principles

10.1 Only Invest What You Can Afford to Lose

CRITICAL: Only invest money you can afford to lose completely. Cryptocurrency should represent only a small portion of a diversified portfolio.

10.2 Do Your Own Research (DYOR)

Always conduct thorough research before investing:

• Read project whitepapers
• Understand the technology
• Research the team and community
• Analyze tokenomics and use cases
• Check for red flags and scams

10.3 Diversification

Do not put all funds in one cryptocurrency or one type of asset. Diversification can help manage risk.

10.4 Long-Term Perspective

Cryptocurrency markets are volatile in the short term. Many investors benefit from a long-term hold strategy rather than frequent trading.

12. Jurisdictional Considerations

11.1 Local Laws Apply

You are responsible for complying with:

• Local securities laws
• Tax regulations
• Anti-money laundering (AML) requirements
• Know Your Customer (KYC) obligations
• Import/export restrictions

11.2 Restricted Jurisdictions

Cryptocurrency may be illegal or restricted in your jurisdiction. You are responsible for determining whether you are permitted to use this service.

13. Changes to This Disclaimer

We may update this disclaimer at any time. Material changes will be communicated via:

• Email notification
• In-app notice
• Updated "Last Updated" date

14. Acknowledgment

15. Contact

For questions about this disclaimer:

• Email: support@cryptodashboardplus.com
• Subject Line: "Legal Disclaimer Inquiry"