1. General Investment Risk

    Investing in financial products involves risk. The value of investments may rise or fall depending on market conditions, economic developments, issuer performance, interest rate movements and other factors.

    Investors may receive less than the amount originally invested depending on the nature and performance of the selected investment product.

    All investment decisions should therefore be made with full understanding of the associated risks.

    2. No Guaranteed Returns

    Unless expressly stated in product-specific documentation issued by an authorized product provider, investments facilitated through the Rubiani Capital ISPP platform do not carry guaranteed returns.

    Past performance is not a guarantee of future performance.

    Historical returns, market trends or prior portfolio performance should not be interpreted as assurance of future investment outcomes.

    3. Financial Calculators and Projections

    The Rubiani ISPP platform includes financial calculators and planning tools designed to assist investors in estimating possible future outcomes based on selected assumptions.

    These tools are provided for planning, illustration and guidance purposes only.

    All projections generated by the platform are indicative and are based on variables such as contribution levels, expected returns, timelines and selected assumptions. Actual investment outcomes may differ materially due to market conditions, fees, taxation, inflation, changes in contribution behaviour, withdrawals or product performance.

    Investors should not rely solely on calculator outputs when making investment decisions.

    4. Market Risk

    Investment values may be affected by fluctuations in financial markets, including changes in prices, interest rates, inflation, economic cycles, currency movements and political developments.

    These market movements may affect both capital value and income generated from investments.

    5. Liquidity Risk

    Certain investment products may not be immediately liquid and may be subject to lock-in periods, notice periods or market conditions that affect the ability to withdraw funds.

    Investors should understand the liquidity profile of each investment before committing funds.

    6. Product-Specific Risk

    Different investment products carry different levels and types of risk, including but not limited to:

    • Capital loss risk
    • Interest rate risk
    • Credit risk
    • Reinvestment risk
    • Currency risk
    • Counterparty risk

    Investors are encouraged to review product-specific documentation and disclosures before making investment decisions.

    7. Regulatory and Tax Risk

    Changes in applicable laws, taxation policies, market regulations or government directives may affect investment performance, investor returns or product operations.

    Rubiani Capital does not assume responsibility for future regulatory or tax changes that may impact investments.

    8. Third-Party Provider Risk

    The Rubiani ISPP platform may facilitate investments through regulated custodians, fund managers, insurers or other financial institutions.

    While Rubiani Capital conducts reasonable due diligence on partner institutions, Rubiani Capital shall not be liable for losses arising from the operational failure, insolvency, misconduct or service interruptions of third-party product providers or regulated partners.

    9. Investor Responsibility

    Investors remain responsible for understanding:

    • The nature of the investment
    • The associated risks
    • The investment horizon
    • Their liquidity needs
    • Their financial objectives
    • Their risk tolerance

    Investors are encouraged to seek clarification or independent financial advice where necessary before making investment decisions.

    10. Acknowledgement

    By proceeding with registration and use of the Rubiani ISPP platform, the investor acknowledges that:

    • Investments carry inherent risk
    • Returns are not guaranteed
    • Financial projections are indicative only
    • Investment decisions remain the responsibility of the investor

    The investor confirms that they understand and accept these risks before participating in any investment arrangement through the platform.