HARTMANN & BENZ LIMITED
Applicable to: GoldFlex Investment Products
1.Introduction and Purpose
This Risk Disclosure Statement is intended to provide comprehensive information regarding the potential risks associated with investments in GoldFlex products and related services offered by Hartmann & Benz Limited. The purpose of this document is to ensure that all investors clearly understand the nature and extent of financial risks before making any investment decisions. By engaging in any transaction, the investor acknowledges that they have carefully read, understood, and accepted all risks described herein.
2.Market Risks
Investing in precious metals such as gold, silver, platinum, or palladium involves exposure to market fluctuations. Prices are influenced by a variety of factors including global economic conditions, supply and demand dynamics, currency exchange rates, inflation, interest rate changes, and geopolitical events. Gold prices may rise or fall rapidly, leading to substantial gains or losses. Past performance is not indicative of future results, and no assurance can be given that any investment objective will be achieved.
3.Liquidity Risks
Liquidity risk refers to the potential difficulty in converting an investment into cash without significant loss in value. While precious metals are generally considered liquid assets, market disruptions, limited trading volumes, or restrictions imposed by regulatory authorities may affect the ability to sell or redeem investments at the desired time or price.
4.Operational and Technological Risks
GoldFlex operates with the use of online platforms and digital infrastructures that are susceptible to operational failures, cyberattacks, and technical malfunctions. Disruptions in communication networks, system downtime, or data breaches could lead to financial loss, delays, or unauthorized access to client data. Hartmann & Benz Limited implements robust security and compliance measures, but complete protection from cyber threats cannot be guaranteed.
5.Legal and Regulatory Risks
Investments in precious metals and digital investment models may be subject to changes in laws, government policies, and tax regulations. Regulatory developments in Nigeria or other jurisdictions where Hartmann & Benz Limited operates could impact the operation, taxation, or legality of certain products. The investor bears full responsibility for understanding applicable regulations and ensuring compliance with all legal obligations.
6.Counterparty and Credit Risks
Counterparty risk arises from the possibility that third parties, such as storage providers, brokers, payment processors, or financial institutions, may fail to meet their contractual obligations. Hartmann & Benz Limited works only with reputable and regulated partners; however, it cannot be held liable for default, insolvency, or negligence of third parties.
7.Custody and Storage Risks
Physical gold and other metals may be stored with third-party vaulting or logistics providers. Although such facilities maintain high security and insurance coverage, risks such as theft, damage, misdelivery, or force majeure events may occur. Hartmann & Benz Limited will act in the best interest of its clients to ensure secure custody but assumes no absolute liability for losses beyond its control.
8.Investment Model Risks
GoldFlex investment models are structured to provide potential returns linked to the performance of the underlying precious metal. However, investment returns are not fixed and depend on market cycles, pricing mechanisms, and operational efficiency. The company does not guarantee profits or capital protection. Investors should understand that investment performance may vary and could result in total loss of invested capital.
9.Taxation Risks
Taxation of precious metal investments may vary depending on local and international tax laws. Investors are responsible for understanding and complying with applicable tax obligations in their jurisdiction. Changes in tax rates or laws may affect overall returns or create unanticipated liabilities.
10.Force Majeure Risks
Force majeure refers to extraordinary events beyond the control of the company, such as natural disasters, acts of war, civil unrest, strikes, pandemics, or government restrictions. Such events may disrupt business operations, delay transactions, or cause financial losses. Hartmann & Benz Limited will not be held liable for damages resulting from force majeure circumstances.
11.Risk Acknowledgement Statement
By participating in GoldFlex investment products, the investor acknowledges that they have carefully read this Risk Disclosure Statement, fully understood the potential risks, and agree to assume full responsibility for their investment decisions. Hartmann & Benz Limited does not provide personalized investment or financial advice and strongly recommends consulting an independent financial advisor before making any commitments.