Risk Disclosure Notice

Effective / Last updated: 7 November 2026

Legal entity

Helpex Pay Ltd.

Company registration

BC1594027

FINTRAC MSB registration

N300001747

Registered address

2120-580 Seaborne Avenue, Port Coquitlam, British Columbia, Canada, V3B 0M3

Website

https://helpex.exchange

Customer support

help@helpex.exchange

IMPORTANT: Virtual currencies and exchange transactions involve substantial financial, technical, legal and operational risks. Read this Notice and the Terms & Conditions before placing an order. You may lose some or all of the value involved in a transaction.

1. Purpose and Status of This Notice

This Risk Disclosure Notice (the “Notice”) explains material risks associated with services offered through helpex.exchange by Helpex Pay Ltd. (“Helpex”, “we”, “us”). It supplements, and should be read together with, our Terms & Conditions, Privacy Policy and Geoblocking Policy. It is not an exhaustive statement of every possible risk. In the event of inconsistency, mandatory applicable law prevails; transaction-specific terms and our Terms & Conditions govern the contractual service arrangements.

2. Nature of Our Services and Intermediary Role

Helpex facilitates fiat-to-virtual-currency, virtual-currency-to-fiat and virtual-currency-to-virtual-currency exchange transactions as an intermediary. Helpex is not the principal counterparty to the underlying exchange. Execution and settlement may depend on independent liquidity providers, financial institutions, payment service providers and blockchain networks. Helpex may receive and temporarily control customer funds or assets solely to process, execute and settle a particular order. We do not offer long-term custodial wallet services, savings accounts or deposit-taking services.

3. Price Volatility and Market Risk

Virtual currency prices can move sharply and unpredictably, including during order processing. Prices may be influenced by liquidity, speculation, market sentiment, regulatory action, technical events and macroeconomic developments. You may receive assets that decline substantially in value after settlement, and some assets may become illiquid or worthless. Historical prices and performance do not predict future results.

4. Quotes, Rate Lock and Payment Window

The exchange rate displayed for an order is locked when you confirm and submit that order through the platform, subject to the order terms and your sending the required funds within one hour after confirmation. An order is not a guarantee of successful execution or settlement. If funds are received after the one-hour payment window, Helpex may return them to their source or offer a new quote for your acceptance, subject to applicable legal, compliance, banking and operational requirements. Fees, network charges and any disclosed adjustments may affect the final amount received.

5. Execution Timing, Delays and Non-Execution

After cleared receipt of the required funds and completion of applicable verification and compliance procedures, Helpex uses commercially reasonable efforts to execute an order within 24 hours. This is a service objective, not an unconditional guarantee. Processing may take longer or fail because of payment settlement, bank or liquidity-provider decisions, insufficient market liquidity, network congestion, technical incidents, security checks, legal restrictions or other circumstances outside Helpex’s reasonable control. Do not rely on a transaction completing by a fixed deadline unless expressly agreed in writing.

6. Blockchain Transfers and Irreversibility

Blockchain transactions are generally irreversible once confirmed. An incorrect wallet address, unsupported asset, wrong blockchain network, missing or incorrect destination tag/memo, or incompatible wallet can cause permanent loss or an unrecoverable transfer. You are responsible for verifying the asset, network, destination address and any required identifiers before submitting an order. Once an exchange has been executed and virtual currency delivered to your designated wallet, it ordinarily cannot be cancelled or reversed by returning the delivered virtual currency to Helpex.

7. Network, Protocol and Technology Risks

Blockchains and related infrastructure may experience congestion, variable transaction fees, outages, software defects, cyberattacks, consensus failures, reorganizations, forks, protocol upgrades or changes in network rules. Confirmation times and transaction finality can vary. Helpex may suspend support for an asset or network where necessary for security, compliance or operational reasons. Wallets, devices, authentication credentials and third-party applications may also be compromised or malfunction.

8. Liquidity Providers, Banks and Payment Rails

Because Helpex acts as an intermediary, an order can depend on third-party pricing, liquidity, execution, banking and payment infrastructure. Providers may reject, delay, freeze, reverse or investigate payments, change their services, become unavailable or experience insolvency. Fiat transfers may be subject to bank cut-off times, correspondent banking arrangements, recalls, chargebacks and payment-network rules. Helpex cannot guarantee the conduct, solvency or uninterrupted availability of third parties.

9. Temporary Handling of Funds; No Deposit Protection

In the course of executing a specific order, customer funds may pass through accounts controlled by Helpex before being sent onward to a provider, bank or recipient. Such temporary handling creates operational and counterparty exposure. Funds or assets handled for exchange are not bank deposits with Helpex, do not earn interest and should not be assumed to benefit from deposit insurance or any particular safeguarding or segregation arrangement unless expressly confirmed in binding terms or required by applicable law. Helpex does not offer ongoing custody of customer virtual currencies.

10. Stablecoins and Asset-Specific Risks

Assets described as stablecoins may fail to maintain their reference value or may lose redemption access. They may involve issuer, reserve, banking, governance, smart-contract, sanctions-screening, freezing or blacklisting risks. Tokens may also be subject to transfer restrictions, changes in functionality, delisting, depegging or total loss. The availability of an asset on the platform does not constitute an endorsement of its quality, safety or investment merit.

11. Compliance, Sanctions and Geographic Restrictions

Helpex may require identity verification, source-of-funds information, transaction explanations and other documentation, and may conduct sanctions and anti-money-laundering reviews. These processes may result in delays, rejected orders, restrictions, suspensions, requests for additional information or legally required retention, blocking or reporting of funds or information. Services are not available to persons or transactions connected with restricted jurisdictions, including the United Kingdom and jurisdictions subject to applicable sanctions, as further explained in our Geoblocking Policy. We do not disclose confidential screening rules or internal monitoring methods.

12. Cybersecurity, Fraud and Personal Security

Phishing, impersonation, social engineering, malware, fraudulent wallet addresses, account takeover and other scams can cause irreversible losses. Helpex cannot retrieve assets sent to fraudulent or incorrect destinations merely because a customer was deceived. Keep account credentials and recovery information secure, verify communications and destination details independently, and contact us promptly if you suspect unauthorized activity.

13. Regulatory, Legal and Tax Risks

The legal classification, permissibility and tax treatment of virtual currencies and related services may change across jurisdictions. Restrictions, reporting obligations, taxes or other requirements may apply to you even if the platform is accessible. FINTRAC MSB registration is not a banking licence, an investment licence, government endorsement or guarantee of customer funds or investment performance. You are responsible for determining your legal and tax obligations and obtaining independent professional advice where appropriate.

14. No Investment Advice or Guaranteed Outcomes

Information provided by Helpex is for operational and general informational purposes, not investment, financial, legal or tax advice. Helpex does not recommend that you acquire, hold or sell any particular virtual currency, and does not promise profit, preservation of capital, continuous platform availability, uninterrupted liquidity or a particular transaction outcome. Only transact amounts and assets whose risks you understand and can bear.

15. Cancellation, Refunds and Customer Rights

If you wish to cancel a pending or unexecuted order or request a refund, contact help@helpex.exchange promptly. Whether a request can be fulfilled depends on the order’s status, applicable law and practical ability to stop or reverse the relevant payment or execution steps. Executed virtual-currency deliveries are ordinarily final. Returns, where possible, may be affected by banking charges, blockchain fees, exchange-rate differences and compliance requirements, as described in the Terms & Conditions. Nothing in this Notice excludes or limits rights or remedies that cannot lawfully be excluded.

16. Customer Acknowledgement

By placing an order, you acknowledge that you have had an opportunity to review this Notice, understand that material losses and delays are possible, and accept responsibility for reviewing the specific order details and the risks associated with your chosen asset, network, wallet and payment method. This acknowledgement does not waive non-excludable statutory rights.

17. Updates and Contact

We may update this Notice to reflect changes in services, risk conditions, law or operations. The current version will be made available on helpex.exchange with an updated effective date. For questions about this Notice or an order, contact help@helpex.exchange. Formal complaints may be submitted to complaints@helpex.exchange.