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The Crossover and The Crossover Pro are published by Wowise (WOWISE - FZCO), a free zone company incorporated in Dubai Silicon Oasis, Dubai, United Arab Emirates ("Wowise", "we", "us"). Everything we publish is information and education: journalism and commentary on crypto and macro markets, written for a general readership. Nothing we publish is financial advice, a recommendation, or an invitation to invest in anything, and this Disclaimer explains exactly what that means. References in this Disclaimer to our publications and our content cover everything we distribute through the service described in the Terms of Service, including the website, the newsletters, and any feeds or audio versions.
Nothing in The Crossover or The Crossover Pro is investment advice, financial advice, trading advice, legal advice, tax advice or accounting advice, and nothing in either publication should be treated as any of those things. Our content is general commentary and education prepared for a broad audience. It is not personalized to you, and it does not take into account your investment objectives, financial situation, needs, risk tolerance or tax position. Reading our content, subscribing to our publications or paying for The Crossover Pro does not make you a client of Wowise and does not create any adviser, fiduciary, agency or other professional relationship between you and Wowise or any of our contributors. A paid subscription to The Crossover Pro buys additional editorial content only. It never buys advice, trading signals, portfolio management or any other regulated service.
We do not respond to individual requests for advice and we do not comment on your personal circumstances, portfolio or prospective transactions. Questions submitted to us, including through any reader question feature, may be answered, if at all, editorially, in a publication, for the general readership.
Nothing we publish is, or should be read as, an offer to sell, or a solicitation of an offer to buy, any digital asset, cryptocurrency, token, security, derivative, financial instrument, fund interest or other investment product, in any jurisdiction. Neither The Crossover nor The Crossover Pro offers, markets, promotes, distributes or solicits investment in any fund, collective investment scheme or investment product of any kind, including any product of Wowise or its affiliates. Our publications exist to inform and educate. They do not exist to raise capital, to introduce readers to investments or to route readers toward any investment opportunity, and no part of them should be read that way.
We regularly discuss specific digital assets, protocols, companies, markets and events. Those references are journalistic and educational. They are not recommendations to buy, sell, hold or stake any asset, and they are not endorsements of any project, product or team. Assets appear in our coverage because they are newsworthy or instructive, not because we think you should own them. Our content is not intended to constitute, and should not be treated as, a research report, investment research or financial analysis, and it is not prepared in accordance with legal requirements designed to promote the independence of investment research.
Wowise is a media publisher. It is not licensed, authorized, registered or regulated as an investment adviser, broker-dealer, commodity trading advisor, commodity pool operator, financial analyst, portfolio manager, financial institution or virtual asset service provider by any regulator or supervisory authority in any jurisdiction, including the UAE Securities and Commodities Authority, Dubai's Virtual Assets Regulatory Authority, the UK Financial Conduct Authority, any European Union member state authority, the US Securities and Exchange Commission, the US Commodity Futures Trading Commission and the Australian Securities and Investments Commission. We do not hold client money or assets, we do not execute transactions for anyone, and we do not receive transaction-based compensation. Our content has not been reviewed or approved by any regulator, and no regulator has passed on its accuracy or adequacy. It is produced and published as journalism and media content.
Digital assets are exceptionally risky. Before acting on anything you read anywhere, including in our publications, you should understand at least the following. Prices are extremely volatile and can fall to zero; you can lose everything you put in. Regulation of digital assets is uncertain, varies between countries and can change quickly, in ways that can destroy the value or usability of an asset. Digital assets carry technology and security risk, including protocol failure, smart contract defects, hacks, theft and the permanent loss of access to holdings. Markets can be illiquid, and you may be unable to sell when you want to, or at all. In most jurisdictions and in most circumstances, digital assets are not covered by deposit insurance or investor compensation schemes, so if something goes wrong you are unlikely to be made whole. Never invest more than you can afford to lose.
Past performance is not a reliable indicator of future results. Any returns, charts or historical figures we cite describe what has happened, not what will happen. Where our commentary looks forward, whether on prices, adoption, regulation or anything else, it is opinion held at the date of publication and it may prove wrong. Markets move quickly and our views change. We may correct material errors at our discretion, but we do not undertake to update or revise published content to reflect later developments, and no dated piece should be treated as current.
We prepare our content with care, drawing on sources we believe to be reliable, including market data providers, official publications and the reporting of others. We do not warrant that any content is accurate, complete or current, and errors and omissions may occur. Third party data, quotations and statistics, and any references to third party material, are provided for context only. They are not endorsements, and we accept no responsibility for third party content.
Wowise, its affiliates, and our writers and contributors may hold digital assets, including assets discussed in our publications, and may buy or sell them at any time and without notice to you. We may hold a position in an asset before, while, and after we write about it. You should assume that we or our contributors may have a position in anything we cover. Coverage decisions are made on editorial grounds, and nothing we publish is a recommendation to buy, sell or hold anything. We do not undertake to disclose individual holdings or transactions, or to tell you when a position changes.
We do not accept payment or any other consideration from any project, issuer, foundation or exchange in exchange for, or otherwise in connection with, coverage. If we ever publish sponsored content, it will be clearly labeled and will disclose the nature and, where required by law, the amount of the consideration received.
Our content is written for a general international readership. It is not directed at, and is not intended for, any person in any jurisdiction where its publication or availability would be contrary to law or would subject Wowise to any licensing or registration requirement. Access our content only where you may lawfully do so; you are responsible for complying with the laws that apply to you. You must not reproduce, forward or redistribute our content into any jurisdiction, or to any person, where doing so would breach local law, including local financial promotion and marketing rules. The availability of our content in any jurisdiction is not an invitation or inducement to engage in investment activity.
Every decision to buy, sell, hold or otherwise deal in any asset is yours alone and is made at your own risk. Do your own research. Before acting on anything discussed in our publications, take advice from an appropriately licensed financial, legal or tax professional in your own jurisdiction who can assess your personal circumstances.
Nothing in this Disclaimer limits rights you have as a consumer that cannot be excluded by law.
This Disclaimer forms part of, and is incorporated into, The Crossover Terms of Service, available at thecrossover.io/terms. Terms used but not defined here have the meanings given in the Terms of Service at thecrossover.io/terms. Questions about this Disclaimer can be sent to [email protected].