Risk Disclosure

General Risk Statement

Investment-related activities involve risk. The value of investments may fluctuate and investors may lose some or all of the capital invested. Past performance is not indicative of future results.

Any information made available through the ARTE One platform is provided for informational purposes only and does not constitute investment advice, a recommendation, or a guarantee of performance or outcomes.

Market and Investment Risks

Investments are subject to market risk, including but not limited to:

  • fluctuations in market prices and valuations;
  • interest rate risk;
  • credit and counterparty risk;
  • currency and foreign exchange risk; and
  • macroeconomic, political, and geopolitical risk.

Market conditions can change rapidly and unpredictably, and such changes may materially affect investment performance.

Product, Strategy, and Valuation Risks

Certain products and strategies accessible through the platform may involve additional risks, including:

  • leverage, which can magnify gains and losses;
  • liquidity constraints or restrictions on redemption;
  • concentration risk;
  • complexity and structural risk associated with alternative, structured, or non-traditional investments; and
  • valuation risk, particularly for illiquid or privately held assets where pricing may rely on models, estimates, or third-party inputs.

Not all products or strategies are suitable for all investors.

Liquidity Risk

Some investments may be illiquid or subject to transfer, lock-up, gating, suspension, or redemption restrictions. In certain circumstances, it may not be possible to sell, transfer, or redeem investments promptly, or at all, at a desired price.

Counterparty, Execution, and Custody Risk

Access to investment products and services through the platform may involve third-party providers such as asset managers, product issuers, brokers, custodians, administrators, payment providers, or other service providers.

Such providers may fail, become insolvent, suspend services, or experience operational disruption, which may result in delayed execution, settlement failure, restricted access, or loss of value. Users should review the applicable product documentation and provider terms carefully.

Fees, Costs, and Charges

Fees, commissions, spreads, financing costs, performance fees, subscription/redemption charges, custody fees, and other expenses may apply and can materially reduce returns. Cost structures vary by product and provider and are disclosed in the relevant product documentation and agreements.

Regulatory and Legal Risk

The regulatory and legal environment applicable to investments, financial services, and digital platforms may change over time. Changes in laws, regulations, regulatory interpretations, or enforcement practices may adversely affect investment products, strategies, availability of services, or the ability to offer or access certain products in specific jurisdictions.

Operational, Technology, and Cybersecurity Risk

The use of digital platforms and technology involves operational risks, including:

  • system outages or service interruptions;
  • cybersecurity incidents;
  • data transmission or processing errors;
  • reliance on third-party service providers; and
  • delays or inaccuracies in displayed information.

While reasonable measures are implemented to support operational resilience and security, no system is immune from disruption or failure.

Information Risk

Information made available through the platform (including data provided by third parties) may be incomplete, delayed, or inaccurate and may change without notice. Users should not rely solely on platform information when making investment decisions and should consult the relevant official documentation and/or professional advisers where appropriate.

Digital Assets and Tokenisation Risk (Crypto)

Where the platform provides access to digital assets, tokenised instruments, or crypto-related products or services, additional risks may apply, including:

  • extreme price volatility and rapid loss of value;
  • liquidity and market structure risks (including fragmented venues and price dislocations);
  • operational and cybersecurity risks (including wallet compromise, private key loss, phishing, and unauthorised transactions);
  • technology and protocol risks (including smart contract vulnerabilities, network outages, forks, and governance changes);
  • settlement finality risk, including the potential irreversibility of certain transactions; and
  • regulatory and legal uncertainty, including changes to the classification, transferability, or permitted distribution of digital assets in certain jurisdictions.

Digital asset exposures may not be suitable for all investors. Users should carefully review all applicable product documentation, disclosures, and third-party terms before engaging in any digital asset-related activity.

Third-Party and Group Entity Risk

Products and services accessible through the ARTE One platform may be provided by affiliated entities within the ARTE group and/or independent third-party providers. ARTE One does not control and is not responsible for the acts, omissions, performance, or financial condition of such entities, except as required by applicable law.

Conflicts of Interest

ARTE One or affiliated entities may receive fees or other economic benefits in connection with products and services accessible through the platform, including where products are provided by ARTE group entities or third parties. Such arrangements may give rise to actual or potential conflicts of interest, which are managed and, where applicable, disclosed through relevant documentation and policies.

Extraordinary Events and Force Majeure

Extraordinary events (including market closures, trading halts, capital controls, sanctions, restrictions on transfers, failures of infrastructure, or other events beyond the control of relevant providers) may prevent or delay transactions and may materially affect valuations, liquidity, and access to investments.

Tax Risk

Tax treatment of investments depends on individual circumstances and may change over time. Users are responsible for obtaining their own tax advice and for complying with applicable tax obligations.

No Guarantee; User Responsibility

No representation or warranty is made that any investment objective will be achieved or that any strategy will be successful. Users are solely responsible for:

  • assessing the suitability and risks of any investment;
  • making independent investment decisions; and
  • seeking professional advice where appropriate.

Jurisdictional Restrictions

Access to investment products and services may be restricted in certain jurisdictions. Users are responsible for ensuring that their use of the platform and any investment-related activity complies with applicable laws and regulations in their jurisdiction.

Important Notice

This Risk Disclosure is provided for informational purposes only and should be read in conjunction with the Terms of Service, Privacy Policy, and Legal & Regulatory Information made available on the ARTE One platform. In case of any inconsistency, the applicable product documentation and contractual agreements governing the relevant product or service shall prevail.