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Risk Disclosure Statement

Effective Date: July 21, 2026

This Risk Disclosure Statement highlights potential operational and market exposure risks associated with utilizing digital savings platforms, daily contribution systems, automated utility/bills execution, and asset acquisition (such as foodstuff and gadget packages) through Honemekpoint.

1. Electronic System and Network Risks

Transactions processed through mobile apps or web portals depend heavily on internet connectivity, third-party telecommunication nodes, and API utilities. Honemekpoint is not liable for transaction stalls, network time-outs, or localized failures originating from user connection drops or telecom provider outages.

2. Fixed Savings and Liquidity Constraints

When choosing fixed savings or long-term target plans, users accept that early liquidations before maturity periods may attract penalties, forfeiture of accumulated bonuses, or structural processing wait times as specified in individual product clauses.

3. Market Price Fluctuations on Foodstuffs and Gadgets

For commodity-backed savings schemes (such as bulk foodstuffs and electronic gadget acquisition cycles), pricing can vary relative to macro-economic inflation and supply chain overheads. Users understand that targeted asset estimates are subject to market adjustments prior to final physical delivery processing.

4. User Account Security and Credentials Liability

Users bear absolute responsibility for maintaining confidentiality over their login parameters, passwords, profile PIN numbers, and browser cookie access. Honemekpoint will not accept liability for losses arising from compromised user credentials or unauthorized third-party device usage.