Please read this Risk Disclosure Notice carefully before using the toogeda.com investment platform (“Platform”). By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to this notice in its entirety.

1. General Investment Risk
   Investing involves risk. The value of investments may rise or fall, and investors may not recover the amount originally invested. Past performance is not indicative of future results. Investment returns are not guaranteed, and investors must be prepared to bear the risk of loss, including total loss of capital.
2. No Investment Advice
   The Platform does not provide personalised investment advice, financial planning, legal, accounting, or tax advice. All information provided is for informational purposes only and should not be considered a recommendation to buy, sell, or hold any securities or assets. You are solely responsible for making your own investment decisions.
3. Market Risk
   Markets can be volatile and affected by various factors such as economic conditions, interest rates, political events, or regulatory changes. These fluctuations can impact the value and performance of your investments.

4. Liquidity Risk
   Certain investments available on the Platform may be illiquid or may have limited secondary markets. This means you may not be able to sell your investment quickly or at a favorable price.
5. Credit and Default Risk
   Some investment opportunities may involve issuers or counterparties that could default on their financial obligations. This risk is particularly relevant in debt, peer-to-peer lending, or alternative credit products.
6. Regulatory and Legal Risk
   Changes in laws, regulations, or interpretations thereof may adversely affect your investment. Furthermore, investments made through the Platform may not be covered by investor protection schemes such as the Securities Investor Protection Corporation (SIPC) or similar entities in your jurisdiction.

7. Platform and Technology Risk
   Access to the Platform may be disrupted due to technological failures, cyberattacks, maintenance, or other unforeseen issues. You may be unable to execute transactions or access your investment data during such disruptions.
8. Operational Risk
   There is a risk of loss due to failed internal processes, human errors, system failures, or external events. Although we strive to maintain robust operational controls, such risks cannot be completely eliminated.
9. Investment-Specific Risks
   Each investment offering may carry unique risks specific to the nature of the asset or business. These can include, but are not limited to:

Real estate risk

Start-up or early-stage business failure

Currency exchange risk

Interest rate risk

Commodity price fluctuations

Environmental or social governance (ESG) considerations

Please review all individual investment documents, such as offering memorandums or prospectuses, for detailed risk factors.

10. Diversification
    Lack of diversification can increase your exposure to specific asset classes or market events. You are encouraged to diversify your investment portfolio to manage risk.
11. Tax Risks
    The tax implications of investments can vary based on individual circumstances and jurisdiction. We recommend consulting with a qualified tax advisor before making any investment decisions.
12. Conflict of Interest
    The Platform, its affiliates, or partners may have financial interests in the investments listed. These relationships will be disclosed to the extent required by law, but may not eliminate all conflicts of interest.

13. Suitability and Investor Qualifications
    Some investments may be restricted to investors who meet specific legal or regulatory requirements (e.g., accredited or qualified investors). You are responsible for ensuring that you meet all eligibility criteria before investing.
14. Forward-Looking Statements
    Some content on the Platform may contain forward-looking statements, which are inherently uncertain and subject to change. Actual results may differ materially from those projected.

Acknowledgement
By accessing or using the toogeda.com investment platform, you acknowledge and agree that:

You have read and understood this Risk Disclosure Notice;

You understand that all investments involve risks, including the potential loss of capital;

You are solely responsible for conducting your own due diligence before making any investment;

You will seek independent professional advice where necessary.

If you do not understand or accept any part of this notice, please refrain from using the Platform.

[toogeda.com]
[Firstverse Networks Limited]
[Contact Information]
[Nigeria]