ConsanFero AI Risk Disclosure

Last Updated: January 15, 2025

This Risk Disclosure Statement is designed to help you understand the risks associated with financial services and investment advice provided by ConsanFero AI. All investments involve risk, and past performance does not guarantee future results.

1. General Investment Risks

All investments carry inherent risks that may result in loss of capital:
  • Market Risk: The value of investments can fluctuate due to market conditions, economic factors, and political events
  • Volatility Risk: Prices of securities can change rapidly and unpredictably
  • Liquidity Risk: Some investments may be difficult to sell quickly without significant price impact
  • Credit Risk: Risk that issuers of bonds or other debt instruments may default
  • Currency Risk: Fluctuations in exchange rates can affect international investments
  • Inflation Risk: The purchasing power of investments may be eroded by inflation

2. AI and Algorithmic Risks

Our AI-powered financial services involve specific technology-related risks:
  • Model Risk: AI models may produce incorrect predictions or recommendations
  • Data Risk: Inaccurate or incomplete data can lead to flawed analysis
  • System Risk: Technical failures or system outages may affect service availability
  • Algorithmic Bias: AI models may exhibit biases based on historical data patterns
  • Black Box Risk: Complex AI decisions may be difficult to explain or interpret
  • Overfitting Risk: Models may perform well on historical data but poorly in new market conditions

3. Service-Specific Risks

Portfolio Optimization:
  • Optimization strategies may not perform as expected in changing market conditions
  • Frequent rebalancing may result in higher transaction costs
  • Risk models may not capture all potential sources of portfolio risk
Predictive Market Analysis:
  • Market predictions are inherently uncertain and may be incorrect
  • Historical patterns may not repeat in future market conditions
  • Timing of market movements may differ significantly from predictions
Wealth Management:
  • Comprehensive strategies may not account for all personal circumstances
  • Tax optimization strategies may change due to legislative modifications
  • Long-term planning assumptions may prove inaccurate

4. Regulatory and Compliance Risks

Financial services are subject to regulatory oversight and compliance requirements:
  • Regulatory Changes: New regulations may affect investment strategies or service availability
  • Compliance Risk: Failure to comply with regulations may result in penalties or service restrictions
  • Jurisdictional Risk: Different jurisdictions may have varying regulatory requirements
  • Licensing Risk: Regulatory licenses may be modified or revoked
ConsanFero AI operates under Swiss financial regulations (FINMA) and maintains required licenses and compliance procedures.

5. Operational Risks

Various operational factors may affect service delivery:
  • Cybersecurity Risk: Cyber attacks may compromise data security or system integrity
  • Business Continuity Risk: Operational disruptions may affect service availability
  • Key Personnel Risk: Loss of key staff may impact service quality
  • Third-Party Risk: Reliance on external service providers may introduce additional risks
  • Technology Risk: System failures or obsolescence may affect operations

6. Client Responsibilities

As a client of ConsanFero AI, you have certain responsibilities:
  • Provide accurate and complete information about your financial situation
  • Regularly review and update your risk tolerance and investment objectives
  • Understand the risks associated with recommended strategies
  • Monitor your investments and seek clarification when needed
  • Inform us of any material changes in your circumstances
  • Make independent decisions based on your own judgment and circumstances

7. Limitation of Liability

Important limitations on our liability:
  • ConsanFero AI provides analysis and recommendations but cannot guarantee investment outcomes
  • We are not liable for market losses resulting from general market conditions
  • Our liability is limited to the extent permitted by applicable law
  • We do not provide tax, legal, or accounting advice unless specifically agreed
  • Clients remain responsible for their own investment decisions

8. Contact and Complaints

If you have questions about risks or wish to file a complaint:
Email: risk@consanfero.com
Address: Bahnhofstrasse 88, 8001 Zürich, Switzerland
Phone: +41 44 555 78 90
Regulatory Authority: Swiss Financial Market Supervisory Authority (FINMA)
FINMA Contact: www.finma.ch

Contact Information

If you have questions about risks or wish to file a complaint:
Email: risk@consanfero.com
Address: Bahnhofstrasse 88, 8001 Zürich, Switzerland
Phone: +41 44 555 78 90