These Risk Warnings are meant to provide general information about the risks involved in investing or otherwise participating in any campaign made available on the Website or through the Services (each, a “Participation”). They are not, and should not be construed as any form of legal, financial, tax, or other professional advice that is particular to any person, including yourself. You are responsible for seeking professional advice before participating in any such campaign, and for carefully considering whether such participation is suitable in light of your particular circumstances, including your particular level of experience and sophistication; investment objectives; risk appetite; investment horizon; and financial needs and resources.

You agree that your decision to participate thus in any such campaign is your sole responsibility and that Wiziin and its affiliates are in no way responsible for any adverse consequence you may directly or indirectly sustain as a result of such participation.

The following list of risk factors is provided for general information only. It is not an exhaustive list of all possible risks that may be involved. Explanations provided of each risk factor listed below are not comprehensive.

Investment risk. The value of any investment instrument you purchase in a Participation is affected by many factors, not all of which can be foreseen, controlled, or mitigated. Such value therefore cannot be guaranteed and may fall or rise in a manner that affects the return on your invested capital. Past performance is not a guide to future performance, and should not be unduly relied upon in deciding to enter into a Participation. No Participation carries any guarantee of a distribution, interest payment, reward, or other return in any form whatsoever.

Restricted regulatory protections. Only investors that qualify as ‘accredited investors’ or ‘institutional investors’ under Vietnam law may undertake Participation. Such investors have fewer regulatory protections under Vietnam law, including the absence of any statutory requirement to ensure that the investment instrument you purchase in a Participation is made in or accompanied by a prospectus lodged and registered with the State Bank of Vietnam. You will therefore not have recourse to statutory protections should you suffer any loss or damage as a result of false or misleading statements, or material omissions, in offering documents relating to the relevant investment opportunity.

Loss of full capital amount. The entities raising funds through campaigns on the Website or through Wiziin generally are early-stage companies. Such companies may not necessarily have an established track record, stable cash flow or profits, or a proven business model. The risk of business failure and, consequently, the loss of your full investment amount, is high. Investing in them is, therefore, a high-risk venture. Wiziin is not liable to refund or take any steps to ensure the refund of your investment amount, whether partly or in full, in the event of such loss.

Illiquidity. The entities raising funds through campaigns on the Website or through Wiziin are privately held entities. Secondary markets for investment instruments issued by such companies may not develop during the period of your Participation. Liquidity of the instrument you purchase in a Participation may therefore not be sold off quickly enough to avoid or minimize financial or other loss to you.

Risks of equity investments. Return on equity investments will usually be in the form of dividend payouts or capital appreciation. However, neither can be assured. You may also be diluted should the company issuing you equity subsequently undertake to issue more equity to additional shareholders. Should the issuing company become insolvent, certain other parties may rank ahead of you in the distribution of the issuing company’s remaining assets including, without limitation, creditors and employees. You may therefore not receive any distribution in event of insolvency.

Risks of debt investments. The entity issuing the debt instrument may at any time become insolvent or face other issues that affect its ability to make payments due on your debt investment. You risk losing the full principal amount, or not receiving any or all of the payouts on your debt investment, should such events occur.

No assurance of performance. This Website may contain estimates, projections, or other statements that are not statements of historical fact. Examples include predictions on performance and information about a fundraising entity’s future business plans, and will include forward-looking language such as “may”; “likely”; “potentially”; and “approximately”. Such statements are forward-looking statements and are not statements of fact or a representation, warranty, assurance, or guarantee as to the truth, completeness, accuracy, or eventual fulfillment of the content thereof.