Risk Disclaimer

This document outlines the key risks and disclaimers associated with using the services provided by pyse.earth, a digital asset platform operated by Pyse Sustainability Ventures Ltd, a British Virgin Islands registered entity. This risk disclosure does not cover every possible scenario, and users are encouraged to seek independent legal, tax, and financial advice before participating.

General Disclaimer

Pyse.earth provides infrastructure to enable tokenized participation in real-world sustainable assets. Pyse does not guarantee performance, income, or capital protection of any investment opportunity offered through the platform.

No Guarantees or Warranties

Pyse shall not be liable for any direct or indirect losses, including but not limited to loss of profits, loss of business, or special, consequential, or punitive damages arising from the use of the platform or participation in any pool, even if advised of the possibility of such damages. While Pyse offers secured infrastructure and aims to mitigate risk, investments made through the platform are not guaranteed.

No Role as Guarantor or Lender

Pyse does not act as a guarantor of any underlying loan, lease, or agreement and does not assume any liability in the event of borrower default, operational shortfall, or counterparty misconduct. Pyse's role is limited to facilitating access, coordination, and infrastructure through tokenized models. The responsibility of investment decision-making and risk assessment lies entirely with the investor.

No Financial, Legal, or Tax Advice

Information made available by Pyse is not intended to constitute investment, legal, tax, accounting, or regulatory advice. You should consult your own professional advisors before making any investment or using platform services. Participation in Pyse.earth does not create a fiduciary relationship between the investor and Pyse.

Performance Assumptions and Forward-Looking Statements

Any projections, performance metrics, or illustrative returns displayed on the platform are for informational purposes only. Past performance does not guarantee future outcomes. Projections are not to be relied upon as a basis for investment decisions. Users acknowledge that markets and macroeconomic conditions may materially impact actual results.

Counterparty and Operational Risk

Pyse is not liable for delays, misrepresentations, fraud, insolvency, or misconduct on the part of any counterparty, borrower, operator, or service provider. Users are advised to carefully review pool terms, documentation, and risk disclosures before participating.

Taxation and Reporting

Tax treatment of digital asset income may vary depending on jurisdiction. You are solely responsible for understanding your tax obligations arising from transactions, income, or transfers on the platform. Where legally required, Pyse may report transactions, withhold taxes, or request additional documentation for compliance purposes. Failure to respond to such requests may result in reporting or withholding actions.

Pyse does not provide tax advice. Users should consult qualified tax professionals to understand the impact of participating in digital asset investments.

Limit of Liability

In no event shall Pyse or its affiliates, officers, directors, agents, service providers, or contractors be held liable for any damages in excess of the lesser of: (a) US $100, or (b) the total fees paid by you to Pyse in the twelve months preceding the event giving rise to the claim. This limitation applies regardless of the form of action, including negligence, tort, breach of contract, or otherwise.

Final Note

This risk disclosure is not exhaustive and may evolve with changing regulations and market conditions. Users are responsible for staying informed, performing due diligence, and understanding the risks associated with blockchain-based investment platforms.

CONTACT - For legal or compliance inquiries, please contact: legal@pyse.earth

Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) Policy

Pyse Sustainability Ventures Ltd (“Pyse”), incorporated in the British Virgin Islands, is committed to maintaining the highest standards in anti-money laundering (AML) and counter-terrorist financing (CTF) compliance. Our goal is to prevent our platform and services from being misused for illicit purposes, including money laundering and financing of terrorism.

This policy outlines the measures Pyse has in place to detect, monitor, and report suspicious activity, in line with international standards and local legal obligations.

Definitions

• Money Laundering: Concealing the origins of illegally obtained money, typically through complex financial transactions.
• Terrorist Financing: Providing funds or financial support to individuals or groups involved in terrorist activities.
• Customer Due Diligence (CDD): The process of identifying and verifying customers and understanding the nature of their activities.
• Suspicious Transaction Report (STR): A report filed with competent authorities upon detecting potential money laundering or terrorist financing activity.

AML Compliance Officer

For any concerns or reports regarding AML/CTF compliance, please contact: compliance@pyse.earth

Risk Assessment

• Conduct regular assessments of the risk of money laundering and terrorist financing associated with Pyse's operations.
• Apply a risk-based approach to allocate resources where the risks are greatest.

AML and CTF Obligations

Pyse adheres to international AML/CTF obligations including: - The Financial Action Task Force (FATF) Recommendations - Local regulations as applicable in jurisdictions where we operate or serve users.

Customer Due Diligence (CDD)

Pyse follows robust CDD procedures, including: - Verifying the identity of users through government-issued identification and biometric verification - Understanding the customer's source of funds and the purpose of their activity - Assessing risk profiles and applying enhanced due diligence for high-risk individuals or entities - Ongoing monitoring of transactions for irregular or suspicious behavior.

Know Your Customer (KYC)

• Collect background information to understand the purpose of the relationship
• Identify the ultimate beneficial ownership (UBO) for entities
• Verify high-net-worth individuals and politically exposed persons (PEPs)

Suspicious Activity & Transaction Reporting (SATR)

• Train employees to identify and report suspicious behavior
• File STRs with local or international authorities as required

Transaction Monitoring

• Implement automated systems for real-time and post-transaction monitoring
• Flag transactions that are unusual in size, frequency, or geographic origin
• Investigate red flags and document outcomes accordingly

AML Training

• Provide ongoing AML/CTF training to all employees
• Maintain records of training attendance and certification
• Include practical scenarios and case studies in training modules

Policy Enforcement

Employees who violate the AML/CTF policy will be subject to disciplinary action, which may include termination. All employees are required to acknowledge and comply with this policy.

Record Keeping

• Maintain records of all customer identification, transactional data, and AML documentation for a minimum of 5 years
• Ensure data is stored securely and is accessible only by authorized personnel

Sanction Compliance

• Regularly screen customers and counterparties against global sanctions lists including OFAC, UN, EU, and UK lists
• Implement geofencing and regional access controls to comply with jurisdictional restrictions

Third Party Due Diligence

• Conduct due diligence on third-party service providers and partners
• Maintain contractual commitments to AML standards for integrations or outsourced functions

Internal Controls and Reporting

• Develop clear internal policies and workflows to ensure AML compliance
• Provide regular reporting to senior management and board oversight bodies

Monitoring and Review

• Review and update this AML/CTF policy at least annually or upon any material changes in the regulatory environment
• Conduct internal audits or commission third-party reviews to assess effectiveness

Non Retaliation

Employees are protected from retaliation when reporting suspicious activities in good faith. Confidentiality and integrity of the reporting process are maintained at all times.

Penalties for Non-Compliance

Non-compliance may result in regulatory penalties, reputational harm, and internal sanctions. Pyse reserves the right to suspend or terminate user accounts found to be involved in suspicious activities.

Disclaimer

This policy is not a contract and does not create legally binding obligations. Pyse does not guarantee that its AML/CTF procedures will prevent all instances of money laundering or terrorist financing. Each employee and user is responsible for compliance with this policy and applicable laws.

Conclusion

Pyse is committed to ensuring that its platform is safe, transparent, and compliant with global AML/CTF standards. Our proactive approach aims to protect our community and uphold the integrity of our ecosystem.