Legal

Risk Disclosure

Effective Date: March 18, 2026 Last Updated: March 18, 2026

Important Notice

Guixer & Partners provides services across private banking advisory, capital markets, digital assets, principal investments (through Winsler Family Office), and global advisory. These services involve financial products and instruments that carry inherent risks, including the potential loss of your entire investment.

This disclosure supplements, but does not replace, risk disclosures in specific engagement letters, offering documents, or product documentation. You should carefully consider whether our services are appropriate for you given your financial situation, investment experience, and risk tolerance.

You should not engage with any of our services unless you understand and accept the risks involved.

1. General Investment Risks

Market risk. The value of investments can go down as well as up. Market conditions — including interest rate changes, inflation, geopolitical events, and economic cycles — can adversely affect value. Past performance is not indicative of future results.

Liquidity risk. Certain investments, including private equity, real assets, fine art, and wine collections, may be illiquid. You may not be able to sell or exit when you wish, or may need to accept a significantly lower price.

Concentration risk. Concentrated positions in a single asset, sector, or geography increase the risk of significant loss. Diversification does not guarantee a profit or protect against loss.

Counterparty risk. Where transactions are facilitated through third-party providers, banks, exchanges, or custodians, you are exposed to their creditworthiness and operational reliability. Failure or insolvency of a counterparty may result in loss.

Credit risk. Investments in debt instruments, private credit, or lending strategies carry the risk that borrowers may default. This may result in partial or total loss of principal and interest.

2. Digital Asset Risks

Where our services involve digital assets (cryptocurrencies, tokens, or blockchain-based instruments), additional elevated risks apply:

Volatility. Digital asset prices are highly volatile and can experience rapid, significant declines driven by speculation, regulatory announcements, technological changes, or market dynamics.

Regulatory uncertainty. The legal status of digital assets varies across jurisdictions and is evolving rapidly. Regulatory changes may adversely affect value, usability, or transferability.

Technology and security. Digital assets depend on blockchain technology and cryptographic protocols that may contain vulnerabilities, including smart contract bugs, protocol exploits, consensus failures, hard forks, and network congestion.

Custody. Loss of private keys or access credentials may result in permanent, irreversible loss. Even institutional-grade custody carries residual risk.

Irreversibility. Blockchain transactions are generally irreversible once confirmed. Erroneous transfers cannot be corrected.

DeFi risks. Decentralized finance protocols carry additional risks including impermanent loss, oracle manipulation, governance attacks, and absence of traditional recourse mechanisms.

No government protection. Digital assets are not backed by any government, central bank, or deposit insurance scheme (including FDIC and SIPC). There is no guarantee of recovery in the event of loss.

3. Cross-Border and Jurisdictional Risks

Multi-jurisdictional exposure. Our global operations mean transactions may be subject to the laws of multiple jurisdictions simultaneously. Conflicting requirements may affect execution, settlement, or taxation.

Currency risk. Cross-border advisory and transactions involve foreign exchange risk. Rate fluctuations may affect outcomes.

Political and sovereign risk. Investments or advisory involving certain jurisdictions may be subject to political instability, expropriation, sanctions, or capital controls.

Sanctions risk. Transactions may be delayed, blocked, or frozen if any party or jurisdiction is subject to international sanctions. We are required to comply with applicable sanctions regimes.

4. Tax Risks

Tax treatment of financial transactions, digital assets, cross-border structures, and investment products varies by jurisdiction and is subject to change. Current structures or advantages may be modified by future legislation. While we may provide tax structuring advisory services (through Withlaw Europe or otherwise), such advice is based on current law, which may change. You are responsible for determining and meeting your own tax obligations.

5. Conflicts of Interest

Principal investments. Through Winsler Family Office, Guixer & Partners invests its own capital in opportunities that may also be presented to clients. While we believe this demonstrates alignment, it may create conflicts of interest.

Multiple relationships. We may have relationships with multiple parties in a transaction and may receive fees or compensation from multiple sources. We manage conflicts through disclosure and internal policies, but cannot guarantee that recommendations are unbiased.

6. No Guarantee of Returns

Nothing in our communications, marketing materials, website content, or discussions should be interpreted as a guarantee of returns, preservation of capital, or a specific outcome. All projections, targets, or illustrative returns are hypothetical and may not reflect actual results.

7. Seek Independent Advice

We strongly recommend that you seek independent financial, legal, and tax advice before engaging with our services or making investment decisions.

8. Contact

Email: legal@guixer.com Mail: Guixer & Partners, 78 SW 7th ST FL7 109, Brickell City Centre, Miami, FL 33130, USA