Risk disclosure: read this before you fund an account

Every form of trading carries financial risk, including the loss of the amount invested. Prices of digital assets in particular can move sharply in minutes, and no tool, manager or algorithm can change that underlying fact. Past performance, whether yours or anyone else's, does not indicate future results, and nothing on this website is a promise of profit.

The automated features of Luminvestry are designed to reduce the daily workload of following markets. They do not eliminate risk, and in some conditions they may act faster than a human would, in both favourable and unfavourable directions. Read each section below and take the practical step suggested with it before you deposit.

Market risk is the everyday reality that prices move against your position. Digital assets can fall by double-digit percentages in a day, and even established shares can gap down on news released outside trading hours. A strategy that profitably followed a rising trend can give back gains quickly when the trend reverses, and automated positions will follow their rules regardless of your hopes.

Leverage, where used in a strategy, multiplies both directions: small price moves produce proportionally larger gains and losses. Volatility itself is not the enemy, since it is also what creates opportunity, but it must be sized to what your finances can absorb.

Practical step: decide before you deposit the largest one-day loss you could accept without losing sleep, and ask your manager to size the strategy accordingly.

Liquidity risk is the difficulty of executing an order at the price you expect. In thin markets or during news spikes there may simply not be enough buyers at your level, so an order fills at a worse price, an effect called slippage. Stop-loss orders are not immune: in a fast move, the market can jump past your stop level and fill meaningfully below it.

Less liquid assets, including many smaller digital assets, combine wider spreads with deeper slippage, which quietly erodes results even when the direction of your trade is correct.

Practical step: favour strategies built on liquid markets, and treat any asset whose price chart looks like a staircase with suspicion.

The platform connects to external exchanges through restricted keys that can read market data and place orders. Three risks come with that arrangement. First, connection errors: an exchange may suffer an outage precisely when action is needed. Second, configuration errors: incorrect settings, such as a key without trading permission or the wrong market selected, can stop a strategy silently. Third, key security: a key stored carelessly by a user elsewhere is an invitation to theft.

Withdrawal rights are never granted to platform keys, so a compromised key cannot itself move funds off an exchange, but it could still trade your balance into unrelated assets.

Practical step: keep API keys only inside the platform, switch on alerts for strategy disconnections, and tell your manager immediately if anything in the connection panel looks unexpected.

Money and assets connected to your account are held with third parties, including exchanges and payment providers. If such an institution runs into financial difficulty, is hacked, or freezes withdrawals, your access can be affected regardless of how well your strategy performed. Events of this kind have occurred in this industry before and remain possible.

The mix of venues used for your account is explained during onboarding, and the UK compensation framework has limits: cash deposits with an authorised firm may be eligible for FSCS protection subject to its rules, while digital assets are generally not covered by that scheme.

Practical step: ask your manager which venues hold your funds, and consider withdrawing profits you do not need in the market rather than letting a balance grow indefinitely in one place.

Software has defects, servers need maintenance, and internet links drop. An automated strategy depends on this whole chain working, so a platform bug, a failed update, a power cut at a data centre or a router reboot at home can each interrupt trading at a bad moment. Orders already placed on an exchange continue to exist there even if the platform cannot currently show them to you.

We mitigate these risks with redundant infrastructure, staged releases and monitoring around the clock, but no operator in this industry can honestly promise zero downtime.

Practical step: use strategies whose worst-case behaviour during a disconnection, such as standing aside rather than holding open exposure, is explained to you before you enable them.

Your account is only as safe as the weakest link around it, and that link is usually a password reused from another site or a convincing fake email. Phishing messages imitate brands convincingly, urge urgency, and ask you to sign in or reveal a verification code. Attackers who gain access to an email account can often reset every password connected to it.

We will never ask you for your password or a one-time code by email or phone. Official messages come from our own domain and never from lookalike addresses, and account protection features are described on the security page.

Practical step: enable two-factor authentication on your first day, use a unique password stored in a password manager, and treat any message that rushes you as guilty until proven innocent. Our fraud warning page lists the checks that take thirty seconds.

The analysis engine is a model, and every model is a simplification of reality built on historical data. Conditions that resemble the past usually produce familiar behaviour, but markets periodically produce events that resemble nothing in the training data, and at those moments automated strategies can be confidently wrong. Probability-based analysis assigns likelihoods; it does not know the future.

A track record, however long, is therefore not evidence that losses cannot occur. The engine includes stop conditions that pause trading when markets become excessively unstable, and these reduce the frequency of reckless behaviour, but they cannot make trading safe in an absolute sense.

Practical step: ask your manager what a strategy's worst historical period looked like, not only its average performance, and size deposits with that worst period in mind.

The platform undergoes scheduled maintenance, and unscheduled incidents are always possible. During such windows you may be unable to view positions, change settings or request withdrawals until service is restored. Orders resting on exchanges are not cancelled by our downtime, but your visibility into them may be interrupted.

Maintenance is announced in advance in the platform and by email wherever practical, and incident status is communicated through the same channels.

Practical step: keep your manager's contact details and the support email saved somewhere that does not depend on the platform being up, so you can always reach a human if the interface is not available.

Four habits protect you better than any feature. Understand the strategy you are enabling, in the sense that you could explain to a friend what it buys, when it sells, and what its rough worst month looks like. Define the level of loss that is acceptable to you in advance, as a number, and treat reaching it as a signal to stop and review rather than to top up. Protect the account itself with two-factor authentication, a unique password and the login alerts described on the security page. Keep control of strategies: review the weekly report, question anything you do not understand, and remember that disabling a strategy is always allowed and never costs a fee.

If anything on this page is unclear, ask your manager to explain it before you deposit. A question asked before funding is cheaper than a lesson learned after it.