Risk Disclosure

Five Pillars Token (5PT) is a deflationary staking protocol deployed on the BNB Smart Chain (BSC), operated by Digital Operations Group LLC, organized in Nevis, West Indies (the "Operator", "we", or "us"). The 5PT smart contracts, this website, and all related interfaces are together the "Platform".

This Risk Disclosure explains the material risks of acquiring, holding, staking, or otherwise interacting with 5PT. Please read it in full before participating. These risks are significant and, in the worst case, can result in the permanent and total loss of everything you commit. This list is not exhaustive — other risks may exist now or arise later. Defined terms have the meaning given in our Terms of Service.

By connecting a wallet to, or transacting with, the Platform, you confirm that you have read, understood, and accepted these risks.

5PT is not a high-yield investment program, savings product, or any arrangement that promises fixed or guaranteed profit. We make no promise of any return whatsoever.

• Staking rewards are variable and determined by on-chain parameters. The reward rate at any time is not fixed, not promised, and can change or stop entirely at any time without notice.
• Past, current, or illustrative rates do not predict future rewards. Any APY, APR, or yield figure shown anywhere is an estimate only, not a guarantee.
• We do not guarantee profits, returns, capital preservation, token price, or the availability of liquidity to buy or sell.
• You may receive far less than you committed, and you may receive nothing at all.

Only participate with funds you can afford to lose entirely. Do not use rent, savings, retirement, emergency, or borrowed money.

• Digital assets are highly speculative and volatile. The market value of 5PT can change rapidly and dramatically in either direction, and may fall to zero.
• A complete and permanent loss of value is possible. There is no insurance, deposit protection, or reimbursement scheme covering your assets.
• Thin or absent liquidity can prevent you from selling at any price, or force you to sell at a steep loss.

• The Platform runs on autonomous smart contracts. Software may contain bugs, errors, or vulnerabilities; an exploit could drain staked, locked, or pooled funds, potentially causing total loss for all participants.
• The 5PT core staking logic is immutable, and the contracts have undergone third-party security reviews (Cyberscope, BailSec, and SolidProof). Audits reduce risk but do not eliminate it — they are point-in-time reviews, are not warranties of safety, and do not guarantee the code is free of defects.
• The BNB Smart Chain itself may experience congestion, downtime, reorganizations, validator failures, or network-level attacks that delay, block, or alter transactions.
• Blockchain transactions are irreversible. Once confirmed, a transaction cannot be undone or refunded by us or anyone else.
• The primary 5PT contract address is 0xe6cae4094352a670c3eb0fcbDa17c898b71c7F2A. Always verify you are interacting with the correct contract — interacting with an imposter contract can cause total loss.

5PT uses a deflationary, fee-based design. Understand how this reduces the amount you receive:

• A deposit fee (currently 10%) applies when you stake. A portion of what you commit is taken as a fee and is not staked on your behalf.
• A claim fee (currently 10%) applies when you claim rewards.
• When you claim, rewards are split 50% reinvested / 50% paid out by default. You do not receive the full nominal reward as immediately withdrawable tokens.
• The token economy includes burns and other deflationary mechanics. Deflation does not guarantee price appreciation — burning tokens does not ensure your remaining tokens rise in value, and the price can still fall to zero.
• These fees are separate from BNB Smart Chain network ("gas") fees, which you also pay and which we do not control.
• The combined effect of deposit fees, claim fees, the reward split, and gas means your net outcome will be materially lower than headline reward figures, and you may end up with less value than you started with.

While the core staking logic is immutable, certain protocol parameters are adjustable — a centralization risk.

• Configurable parameters — such as reward rates, fee percentages (up to a fixed on-chain cap), pool settings, and whitelist/VIP tiers — may be changed. Such changes can reduce or eliminate your rewards or increase your costs.
• Changes may take effect with little or no advance notice and may apply to assets you have already staked.
• Administrative control of these parameters is currently held by a single owner account. You rely on the honesty, competence, and operational security of whoever holds that role; misuse, error, or compromise of privileged controls could harm participants.

The Platform offers nine staking pools, certain of which have whitelist or VIP tiers with differing terms.

• Pools differ in parameters, eligibility, lock conditions, and reward characteristics. Review the specific terms of any pool before participating.
• Eligibility for whitelist/VIP tiers is conditional and may change; access is not guaranteed and may be modified or revoked.
• Different pools carry different risk profiles; participation in one pool does not imply the terms of another.

The Platform offers an optional, multi-tier referral program. Participation is entirely voluntary.

• Referral rewards are not guaranteed, depend on adjustable parameters, and may be changed or discontinued.
• Multi-tier referral structures may, in some jurisdictions, be characterized as multi-level-marketing, pyramid schemes, or the offer of a security, and may be restricted or prohibited where you live. You are solely responsible for ensuring your participation and any promotion you undertake is lawful in your jurisdiction.
• If you promote 5PT or recruit others, you do so on your own behalf and at your own risk. You must not make guaranteed-return, profit, or other misleading claims. We are not responsible for statements you make to others.
• Referral earnings may have tax consequences for which you are solely responsible.

• Staked tokens and the reinvested portion of claims may be subject to lock conditions and may not be immediately or freely withdrawable.
• You may be unable to exit, withdraw, or sell during periods of market stress — exactly when you might most want to.
• The default 50% reinvestment of claimed rewards means a portion of your rewards is re-committed to the protocol rather than paid to you.
• There may be little or no secondary-market liquidity for 5PT, which can make selling difficult, costly, or impossible.

• The legal and regulatory treatment of digital assets, staking, and referral programs is unsettled, varies significantly by jurisdiction, and is changing.
• Future laws, regulations, or enforcement could adversely affect the value, transferability, legality, or availability of 5PT, and could restrict or prohibit your ability to use the Platform.
• The Platform may not be available to, or lawful for, residents of certain countries or regions. You are solely responsible for determining whether your participation is legal where you live and for complying with all applicable laws, including sanctions, securities, and anti-money-laundering rules.
• The Operator's place of organization (Nevis, West Indies) should not be taken as advice that participation is lawful in your own jurisdiction.

• Nothing on the Platform or in this disclosure is financial, investment, legal, accounting, or tax advice, and nothing here is a recommendation, solicitation, or offer to buy, sell, or hold any asset.
• We are not your broker, adviser, agent, or fiduciary, and no fiduciary relationship is created. You act solely as principal, on your own account, and are responsible for your own decisions.
• You are solely responsible for your own tax reporting and obligations, which may arise from acquiring, staking, claiming, reinvesting, referral earnings, or disposing of 5PT.
• Consult your own qualified professional advisers before participating.

• The Platform depends on third-party infrastructure outside our control — RPC/node providers, wallet software, browser extensions, and price or data dependencies. Failure, downtime, or compromise of any of these can interrupt, delay, or corrupt your interactions.
• You are solely responsible for the security of your wallet, private keys, and seed phrase. We never have custody of, and cannot recover, your keys or assets.
• Beware of phishing, fake sites, malicious token approvals, and requests to sign harmful transactions. Always verify URLs, contract addresses, and the exact contents of any signature request — approvals you grant can be exploited to drain your wallet.

• The website and interfaces may be unavailable, interrupted, modified, or discontinued at any time, with or without notice. The underlying smart contracts may continue to operate independently of any front-end.
• We may, where technically possible, pause, restrict, or modify Platform features for security, legal, or operational reasons.

• The Platform is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, error-free, or free of harmful components.
• To the maximum extent permitted by law, the Operator and its affiliates, officers, and contributors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, tokens, data, or assets, arising from or related to your use of the Platform — whether based on contract, tort, or any other theory, and even if advised of the possibility of such damages.
• Nothing in this disclosure excludes or limits liability that cannot be excluded or limited under applicable law.

By using the Platform you acknowledge that you have read and understood this Risk Disclosure, that you accept all risks described and undescribed, that you participate voluntarily and as principal with funds you can afford to lose entirely, and that you are solely responsible for compliance with the laws of your jurisdiction.

Questions? Contact support@five-pillars.tech.