1. Not a deposit, not insured

Nothing on the Platform is investment, financial, legal or tax advice. Only stake money you can afford to have locked for the full term and, in the worst case, to lose.

2. Market and price risk

Deposits are converted to a USD-denominated balance at the market price when the payment is detected. If the price of the asset you deposited moves afterwards, that movement does not affect your USD balance, but it does affect how much of the asset you receive when you withdraw. Rewards are calculated on the USD principal; the number of coins a given USD amount buys at withdrawal depends on the market at that time.

3. Lock-up and liquidity risk

Funds allocated to a plan are locked for the chosen term (1 to 12 months). You can exit early, but an early-exit fee of 5% to 15% of the principal applies and unclaimed rewards for the incomplete period are forfeited. Withdrawals of available balance are processed manually, normally within 24 hours on business days, and may take longer during reviews or high demand. Do not rely on being able to access staked funds instantly.

4. Rate and plan risk

The APY of a stake is fixed when you open it and does not change during its term. However, plans offered for new stakes can change or be withdrawn at any time, so the rate available when a stake matures may be lower or higher than the one you had. Projections shown in calculators assume the full term is completed and no early exit.

5. Blockchain and network risk

• Transactions on public blockchains are irreversible. A deposit sent to the wrong address or on the wrong network, or a withdrawal to a mistyped address, is usually lost permanently.
• Network congestion can delay confirmations for hours; a deposit is credited only after the required number of confirmations.
• Bugs, forks or outages of a blockchain, or of the public data providers we use to detect payments, can delay crediting. In those cases support can confirm a payment manually once the transaction is visible.

6. Operational and counterparty risk

Your balance is a claim against TWS Wallet. Its value depends on our continued operation and on the performance of the underlying staking positions. Software errors, outages, loss of key staff, or the insolvency of TWS Wallet or a provider we depend on could delay or prevent payments. We reduce this risk with backups, an audited ledger, manual withdrawal review and separation of hot and cold funds, but we cannot eliminate it.

7. Security and fraud risk

Attackers target crypto users with phishing sites, fake support accounts and malware. We will never ask for your seed phrase, private key or password, and we only communicate from twswallet.com addresses. Enable a strong unique password, keep your e-mail account secure, check the address bar before signing in, and act on the security alerts we send when your account is accessed from a new location. Losses caused by compromised devices or disclosed credentials cannot be reimbursed.

8. Legal, tax and regulatory risk

Rules for digital assets differ by country and change often. It is your responsibility to make sure that using the Platform is legal where you live and to declare and pay any taxes due on rewards. Regulatory changes may force us to restrict or end the service in some regions, in which case we will return available balances as described in the Terms.

9. Your responsibilities

• Read each plan card (term, APY, minimum, early-exit fee) before confirming a stake.
• Double-check assets, networks and addresses for every deposit and withdrawal.
• Keep your credentials private and your contact e-mail current.
• Diversify. Do not put money you may need soon into long terms.
• Ask [email protected] if anything is unclear before you act.