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Consolidated Risk Disclosures

Last Updated: January 14, 2026

This Consolidated Risk Disclosures document (“Disclosures”) summarizes material risks associated with access to and use of the Ready.cards platform, including custody of physical collectibles, participation in digital platform features, and interaction with the Ready.cards native token ($READY).

These Disclosures do not describe all risks. Users should not use the Platform unless they fully understand and accept these risks.

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1. No Guarantees of Any Kind

Ready.cards provides all services on an “AS IS” and “AS AVAILABLE” basis.

Ready.cards makes no guarantees regarding:

  • Asset value

  • Liquidity

  • Redemption availability

  • Platform uptime

  • Regulatory treatment

  • Token utility or availability

Use of the Platform is entirely at your own risk.

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2. Risk of Total Loss

Users acknowledge and accept that they may lose:

  • Money

  • Assets

  • Access to the Platform

  • Access to digital features

  • Access to tokens

Ready.cards does not insure users against losses beyond what is expressly stated in applicable agreements.

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3. Collectibles Market Risk

Physical collectibles are inherently speculative and subject to:

  • Extreme price volatility

  • Illiquidity

  • Subjective valuation

  • Shifts in collector demand

  • Fraud or counterfeiting in the broader market

Past prices, sales, or trends are not indicative of future results.

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4. Custody, Storage & Physical Risk

Despite reasonable care:

  • Assets may be lost, damaged, destroyed, seized, or confiscated

  • Insurance coverage may be limited or unavailable

  • Claims may be denied or capped

Users may not recover market value, replacement value, or sentimental value.

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5. Platform & Technology Risk

The Platform may experience:

  • Downtime

  • Bugs or errors

  • Cybersecurity incidents

  • Data loss

  • Third-party service failures

Ready.cards does not guarantee uninterrupted or secure operation.

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6. Regulatory & Legal Risk

Regulatory frameworks governing collectibles, digital platforms, tokens, and custody services are evolving and uncertain.

Changes in law may:

  • Prohibit platform features

  • Restrict or eliminate token utility

  • Require suspension or termination of services

  • Result in enforcement action

Ready.cards may modify or discontinue services without notice.

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7. Jurisdictional & Compliance Risk

Access to the Platform is restricted based on jurisdiction.

Users may:

  • Be denied access

  • Have accounts frozen

  • Be prohibited from redemption or token use

This includes U.S. persons, sanctioned individuals, and users in restricted jurisdictions.

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8. No Investment or Financial Product

Nothing on the Platform constitutes:

  • An investment

  • A security

  • A financial instrument

  • An offer or solicitation

Ready.cards does not provide financial, legal, or tax advice.

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9. Token-Specific Risk ($READY)

The $READY token is high-risk and experimental.

Users acknowledge that:

  • $READY may lose all value

  • $READY may have no liquidity

  • $READY may be discontinued

  • $READY may never have utility

$READY is not offered to U.S. persons or restricted jurisdictions. Acquisition or use may be unlawful in some regions.

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10. No Expectation of Profit — TOKEN

Users must not acquire or use $READY with any expectation of:

  • Price appreciation

  • Income

  • Profit

  • Governance rights

Any such expectation is unreasonable and disclaimed.

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11. Enforcement & Account Risk

Ready.cards may, at any time:

  • Freeze accounts or assets

  • Restrict access

  • Disable features

  • Terminate accounts

Users waive claims arising from enforcement actions taken in good-faith compliance with law or risk policy.

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12. Counterparty & Third-Party Risk

Ready.cards relies on third-party providers for:

  • Custody

  • Insurance

  • Payments

  • Identity verification

  • Logistics

Failures or misconduct by third parties may result in loss or disruption.

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13. Tax Risk

Users are solely responsible for:

  • Tax reporting

  • Compliance

  • Payment of any taxes

Ready.cards provides no tax advice and assumes no tax liability.

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14. Force Majeure

Events beyond Ready.cards’ control may prevent or delay performance, including:

  • Natural disasters

  • Government action

  • War or terrorism

  • Infrastructure failure

Ready.cards is not liable for losses arising from such events.

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15. No Reliance

Users acknowledge that:

  • They are not relying on statements regarding value, profit, or future utility

  • They have conducted independent evaluation

  • They assume full responsibility for participation

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16. Acknowledgement of Risk

By using the Platform, users acknowledge that:

  • They understand these risks

  • They accept the possibility of loss

  • They waive claims arising from disclosed risks

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