Risk Disclosure Statement

This Risk Disclosure Statement is provided by Fincrest Capital Zambia Limited (Registration Number 120180009957), trading as FincapDigi, located at 8 Reedbuck Road, Kabulonga, Lusaka, Zambia. Please read this statement carefully before engaging with any of our educational content.

1. Educational Purpose Only

All content, courses, guides, videos, articles, and materials provided on FincapDigi are intended solely for general educational and informational purposes. Nothing on this platform constitutes, or should be construed as, financial advice, investment advice, trading advice, or any other type of professional advice. Fincrest Capital Zambia Limited is not a licensed financial adviser, broker, or dealer.

2. Nature of Financial Market Risk

Trading and investing in financial instruments — including but not limited to stocks, equities, exchange-traded funds (ETFs), indices, bonds, and commodities — carries a high level of risk. You should be aware of and carefully consider the following risks:

• Market Risk: The value of investments can fall as well as rise. You may receive back less than you invest.
• Liquidity Risk: Some securities may be difficult to sell quickly at a fair price, particularly in smaller or less liquid markets such as the Lusaka Securities Exchange (LuSE).
• Volatility Risk: Prices of financial instruments can be highly volatile and may change rapidly and unpredictably.
• Currency Risk: If you invest in instruments denominated in a foreign currency, fluctuations in exchange rates may affect the value of your investment.
• Concentration Risk: Investing a large proportion of your funds in a single asset, sector, or market increases your exposure to loss.
• Leverage Risk: Where leverage or margin is used, gains and losses can exceed the initial amount invested.
• Regulatory Risk: Changes in laws, regulations, or government policies may adversely affect the value of investments.
• Operational Risk: Technology failures, platform outages, and other operational issues may affect the execution of trades.

3. Past Performance Is Not Indicative of Future Results

Any reference to historical performance, returns, or results of any trading strategy, course material, or example used on FincapDigi is for illustrative and educational purposes only. Past performance is not a reliable indicator of future results. Market conditions change continuously and strategies that have worked in the past may not work in the future.

4. No Guarantee of Profit

FincapDigi makes no representation, warranty, or guarantee — expressed or implied — that users of our educational content will achieve profits or avoid losses. The risk of loss in trading is substantial. You should only trade or invest with money you can afford to lose entirely.

5. Suitability

Trading in financial markets may not be suitable for all individuals. Before making any investment or trading decision, you should carefully consider your financial situation, level of experience, risk tolerance, and investment objectives. If in doubt, seek independent financial advice from a licensed and regulated financial adviser in your jurisdiction.

6. No Client Relationship

The use of our website or courses does not create a client, advisory, fiduciary, or professional relationship between you and Fincrest Capital Zambia Limited. We are an educational provider, not a financial institution.

7. Third-Party Content and Tools

Our platform may reference or link to third-party brokers, platforms, tools, or resources. Fincrest Capital Zambia Limited does not endorse, recommend, or take responsibility for any third-party products, services, or content. You use any such third-party resources at your own risk.

8. Regulatory Compliance

It is your sole responsibility to ensure that any trading or investment activity you undertake complies with the laws and regulations applicable in your country of residence. Residents of certain jurisdictions may face restrictions on trading specific instruments or using certain platforms.

9. Acknowledgement

By using FincapDigi, you acknowledge that you have read, understood, and accepted this Risk Disclosure Statement in full. You agree that Fincrest Capital Zambia Limited shall not be liable for any losses, damages, or costs incurred as a result of decisions made based on educational content provided on this platform.

10. Contact Us

If you have any questions about this Risk Disclosure Statement, please contact us at: