Risk Disclosures
Effective date: August 1, 2025
Effective: August 1, 2025 • Version: v1.0
Last reviewed by counsel: August 9, 2025
Investments on EMS‑X involve substantial risks, including the possible loss of your entire investment. The instruments presented may be illiquid, volatile, and subject to operational, legal, and counterparty risks. Nothing on this platform is investment, legal, tax, or medical advice. Consider your financial situation and consult independent advisors.
1) No guarantee of returns
Expected returns are estimates based on case assumptions and historical patterns. Insurance processing, denials, offsets, and disputes can delay, reduce, or eliminate returns.
2) Liquidity and transferability
Investments may be illiquid. Secondary transfers may be limited or unavailable. You should be prepared to hold your position to maturity or resolution of the underlying claim.
3) Verification and underwriting limits
While cases are reviewed for validity and insurance coverage, errors or fraud can occur. Verification does not eliminate risk of nonpayment, partial payment, delays, or disputes with insurers or providers.
4) Regulatory and legal risk
Depending on structure and jurisdiction, interests may constitute securities and be subject to securities laws and restrictions. Regulations can change and affect operations or investor outcomes.
5) Operational and counterparty risk
You are exposed to the operational reliability of EMS‑X and its partners (e.g., custody, KYC, payment rails). Downtime, cyber events, data issues, or vendor failures may impact outcomes or timing.
6) Insurance and medical risks
Case outcomes depend on medical necessity determinations, policy limits, exclusions, deductibles, coordination of benefits, and insurer solvency. Cross‑border care can add complexity and delay.
7) Geographic, FX, and political risks
Cross‑border transports and care introduce currency, jurisdictional, and political risks that can affect timing and recoveries.
8) Conflicts of interest
EMS‑X or its partners may receive fees from issuers, providers, or investors. See Fee Schedule and Conflicts of Interest for details.
9) Tax treatment
Tax outcomes vary by investor and jurisdiction. EMS‑X does not provide tax advice. Consult your advisor.
10) Not an offer in restricted jurisdictions
Availability may be limited by law. Access does not constitute an offer or solicitation where prohibited.
11) Recordkeeping
Consents and communications may be retained under applicable recordkeeping requirements (e.g., WORM if handled by a broker‑dealer partner).
You acknowledge reading these disclosures before investing. For questions, contact our Help Center.