Cryptocurrencies are highly speculative in nature, involve a high degree of risk and can rapidly and significantly decrease in value. It is reasonably possible for the value of Cryptocurrencies to decrease to zero or near zero.

Cryptocurrency held on the ICOA Platform is not protected by FDIC insurance or any other government-backed or third-party insurance.

The future development of Cryptocurrencies and their underlying software protocols is uncertain.  The slowing or stopping of the development or acceptance of Cryptocurrencies may negatively affect their value.

Negative consumer perception of specific Cryptocurrencies or Cryptocurrencies generally may negatively affect their value.

Cryptocurrencies are not regulated or are lightly regulated in most countries, including the United States. However, one or more countries may take regulatory actions that could severely restrict the right to acquire, own, hold, sell or use Cryptocurrencies, which would adversely impact their value. ICOA may be forced to suspend or discontinue the ability to purchase or sell Cryptocurrencies without notice.

The value of Cryptocurrencies may result from the continued willingness of market participants to exchange U.S. Dollars (or other government-backed currencies) for Cryptocurrency. Therefore, should the market for a Cryptocurrency disappear, the Cryptocurrency may suffer a total and permanent loss of value.

Technical and market factors outside of ICOA’s control may adversely affect the value of Cryptocurrencies. These factors include, without limitation, (i) technical defects, limitations or changes to a given Cryptocurrency; (ii) Forks (as discussed in the User Agreement); and (iii) the emergence of competing Cryptocurrencies.

Your ability to purchase Cryptocurrencies through ICOA is contingent on ICOA’s ability to source such Cryptocurrencies from third party providers. Therefore, ICOA makes no promises regarding the timing or ability to purchase Cryptocurrencies using the ICOA Platform.

The software protocols that underlie Cryptocurrencies are typically open-source projects. As a result, (i) the development and control of such Cryptocurrencies is outside of ICOA’s control and (ii) such software protocols are subject to sudden and dramatic changes (including Forks) that might have a significant impact on the availability, usability or value of a given Cryptocurrency.