Risk Warning

This Risk Warning describes, in general terms, the main risks associated with using Cashela's services, including payments, money transfers, foreign-exchange (FX) conversion, mobile top-ups, bill payments, gift cards and crypto-asset transactions. You should read it carefully and make sure you understand these risks before using any service.

Cashela does not provide investment, tax, accounting or legal advice, and nothing on our platform should be treated as a recommendation to enter into any transaction. You are solely responsible for your own decisions and should seek independent professional advice where appropriate for your circumstances.

Currency exchange rates fluctuate continuously and can move sharply. The value you receive in another currency may be worth more or less than expected, and rates quoted at one moment may differ from those applied at settlement. FX conversion is not suitable as a means of speculation and should only be used to support genuine payment needs.

Where crypto-asset services are offered, prices are highly volatile and can fall as well as rise, sometimes substantially and within short periods. Crypto-assets are not legal tender in most jurisdictions, may not be covered by deposit-guarantee or investor-compensation schemes, and their regulatory treatment continues to evolve.

Blockchain transactions are typically irreversible. Once a transfer is confirmed it generally cannot be recalled, so errors in addresses, networks or amounts may lead to permanent loss of funds. You are responsible for verifying every transaction detail before you confirm it.

The availability of a service, currency, corridor or crypto-asset may change or be suspended without notice due to market conditions, provider limitations or regulatory requirements. In some cases you may not be able to complete a transaction, or you may face delays, at the time you wish to.

Digital services depend on hardware, software, connectivity and third-party providers, all of which can fail or be interrupted. Outages, cyber-attacks, maintenance and processing errors may prevent or delay transactions. We take reasonable measures to mitigate these risks but cannot eliminate them entirely.

The legal and regulatory framework for payment, FX and crypto-asset services differs by country and continues to change. New rules, sanctions or restrictions may affect the availability of services, the way they operate or your ability to use them, sometimes at short notice.

Only use services that you understand and that are appropriate for your needs, and never commit funds you cannot afford to lose in the case of crypto-assets. If you are unsure whether a service is suitable for you, do not proceed until you have obtained independent advice.