High-risk warning. Cryptocurrencies, leveraged margin trading, contracts for difference (CFDs), staking and AI-driven strategies are volatile and complex products. You may lose some or all of your invested capital. The products offered through Growbit are not suitable for everyone. Only trade with funds you can afford to lose.
1. General Risk Warning
Growbit (operated by Alegra Capital (Lie) Ltd., licensed by the Liechtenstein Financial Market Authority) makes the following products available: spot trading of crypto-assets, leveraged margin positions on crypto, foreign-exchange, indices, commodities and equities through derivative exposure; staking and yield programs; and managed AI strategies. All of these products carry a high level of risk and may result in losses that exceed the amount you originally invested.
Past performance is not a reliable indicator of future results. Market conditions can change rapidly. You are solely responsible for your trading decisions and for ensuring that any transaction is appropriate for your knowledge, experience, risk tolerance and financial situation.
2. No Investment Advice
Information provided through the Services — including market data, charts, news, educational materials and AI signals — is general in nature. It is not personalised investment advice, tax advice, accounting advice or legal advice. You should seek independent professional advice where appropriate.
3. Crypto-Asset Risks
- Volatility. Crypto-asset prices can change by 10% or more within minutes. Liquidity can evaporate during stress events, widening spreads and slippage.
- Total loss. Some crypto-assets have, and may in the future, fall to near-zero or fail completely.
- Hard forks / chain splits. Protocol changes may create new assets, change supply, or invalidate previously valid transactions.
- Smart contract bugs. Many tokens rely on smart contracts. A flaw can result in permanent loss of value.
- Network congestion. Blockchain transactions may take hours to confirm during periods of high demand, delaying deposits and withdrawals.
- Irreversibility. Crypto transactions cannot be reversed. Sending funds to the wrong address or wrong network may result in permanent loss.
4. Leverage & Margin Risks
Leveraged products amplify both gains and losses. With 20× leverage, a 5% adverse move in the underlying market causes a 100% loss of the margin posted for the position. Losses can therefore exceed your initial deposit on that position. You can be liquidated automatically when your maintenance margin falls below the disclosed liquidation level. Liquidation may occur at a price worse than the displayed mid-price due to slippage and gaps.
Holding leveraged positions overnight may incur financing charges (swap). Stop-loss orders are not guaranteed and may execute at the next available price during fast-moving markets, which can be materially different from the trigger price.
5. FX, Indices & CFD Risks
- Currency risk. When you trade an instrument denominated in a currency different from your account currency, FX rate changes will affect your realised profit/loss.
- Gapping. Markets can open at a price meaningfully different from the prior close (weekends, holidays, news events). Stops may execute at the next available price.
- Reference price risk. Index and equity CFDs derive their price from external venues. Trading hours, dividends, splits and corporate actions can affect quotes and may trigger adjustments.
- Spread widening. Bid/ask spreads can widen significantly outside core market hours or around major economic releases.
6. Staking & Yield Risks
- Lock-up. Funds in fixed-term staking products cannot be withdrawn before maturity. Early-withdrawal options, if available, are subject to fees and lower yield.
- Yield not guaranteed. Unless explicitly described as fixed, rates may change with market conditions and protocol economics.
- Protocol risk. Many proof-of-stake networks penalise validators for downtime or misbehaviour ("slashing"). Such losses are passed through to participants in proportion to their stake.
- Smart-contract risk. Some yield products use third-party smart contracts. A bug or exploit can result in loss of staked principal.
- Custody. Staked assets remain under our operational control during the lock-up period.
7. AI Trading Bot Risks
The Growbit AI Trading Bot is an automated strategy that may credit or debit your account at a fixed cadence determined by your account configuration. Even when historical results are positive, future results may differ materially. You may incur losses despite the Bot operating within its design parameters. The Bot operates based on inputs, models and assumptions that may become outdated. You may pause the Bot at any time. You remain responsible for the suitability of using the Bot in your circumstances.
8. Liquidity & Execution Risks
Market depth may be insufficient to execute large orders at the displayed price. Orders may be partially filled, filled at multiple price levels (slippage), rejected or queued. We may, in extraordinary conditions, suspend trading on specific symbols or globally to protect market integrity.
9. Custody & Counterparty Risks
For convenience, the majority of supported assets are held in custodial wallets operated by Growbit and its custodians. Crypto-assets, by their nature, expose holders to operational and counterparty risks. We mitigate these risks through cold-storage segregation, multi-signature controls, third-party penetration testing and independent annual audits, but no system is risk-free.
10. Technology & Cyber Risks
- Outages. The Services depend on internet connectivity, third-party infrastructure (cloud, blockchain, liquidity providers) and your own device. Any of these may fail.
- Cyber-attacks. Despite our security controls, malicious actors may attempt phishing, account takeover, SIM-swap or fraud. Enable 2FA, use a unique password and check the URL growbit.one before signing in.
- Latency. Order routing involves multiple hops; the price displayed when you submit an order may differ from the execution price.
- Browser compatibility. Out-of-date browsers may render the platform incorrectly and expose you to security risks.
11. Regulatory & Tax Risks
Crypto and derivative regulation evolves rapidly. Future changes may restrict or terminate certain products, increase margin requirements, impose additional taxes, or otherwise affect your ability to trade. You are responsible for understanding and complying with the tax obligations applicable to your trading activities in your jurisdiction. Growbit may be required to report account information to tax authorities (e.g. under FATCA, CRS or DAC8) and provide year-end statements upon request.
12. Suitability
Before trading, you should consider whether the products are appropriate for you in light of your objectives, experience, knowledge, financial resources and risk tolerance. Trade only with funds you can afford to lose. Do not trade with borrowed money or money required for living expenses, debt repayment or retirement provision.
You should NOT trade if any of the following is true:
- you do not understand how leverage, margin or liquidation work;
- you cannot afford to lose your entire deposit;
- you rely on the deposited funds for daily living;
- you are emotionally distressed or under the influence of substances;
- you intend to trade based on tips, rumours or social-media noise.
13. Client-Asset Protection
Alegra Capital (Lie) Ltd. holds client funds segregated from its own operational funds, in accordance with FMA rules applicable to asset-management companies in Liechtenstein. Segregation does not eliminate all risk; in particular, segregated funds may still be at risk in the event of insolvency of the custodian holding such funds, market disruption or fraud. Crypto-assets are held through a combination of cold-storage wallets and qualified third-party custodians. We do not currently participate in any investor-compensation or deposit-insurance scheme that covers losses from market movements, custody failure or trading errors.
14. Complaints
If you have a complaint about the Services, write to complaints@growbit.one. We will acknowledge your complaint within 5 business days and provide a substantive response within 30 calendar days. If you are not satisfied with our response, you may escalate the matter to the Liechtenstein FMA at fma-li.li and, where applicable, to the financial-services ombudsman in your country of residence.
15. Contact
Operator: Alegra Capital (Lie) Ltd. · Vaduz, Principality of Liechtenstein.
General support: support@growbit.one
Compliance: compliance@growbit.one
Legal: legal@growbit.one