IMPORTANT NOTICE
Financing products, particularly Crypto Loans, carry substantial risks of capital loss.
An investor may lose partially or completely the borrowed amount and the collateral provided.
CB Consulting does not guarantee any return, no automatic credit approval, and does not provide investment advice.
Risks Related to Cryptocurrencies
1. Extreme Volatility
Cryptocurrencies are EXTREMELY volatile. Prices can fluctuate by 20-50% within hours:
- Bitcoin can fall from CHF 45,000 to CHF 35,000 within 24h
- Ethereum can fluctuate by 30-40% within a few days
- Altcoins can depreciate by 80-90%
If your collateral falls, you may be forced to add additional crypto or face liquidation.
2. Forced Liquidation of Collateral
CBC Protection Mechanism:
- 120% ratio: Notification - you have 48h to act
- 105% ratio: Automatic liquidation of your collateral
⚠️ You can lose your crypto if the price drops!
3. Technological Risk
- Potential bugs in smart contracts
- Hacks or security breaches (though rare)
- Compromised wallets
- Loss of private keys
CBC limits these risks through: Certik Audit, multi-signature, full insurance, cold storage. But zero risk does not exist.
4. Uncertain Regulation
- Crypto is an emerging, lightly regulated sector
- Legal changes can affect value
- Bans or restrictions in certain countries
- Unpredictable tax developments
Risks Related to Loans
1. Variable Interest Rates
- Rates may increase depending on market conditions
- APR (Annual Percentage Rate) is stated in the contract
- Rising market conditions = potentially higher monthly payments
2. Repayment Obligation
You are legally obligated to repay, whether or not you have financial problems.
- Non-payment = late fees (1.5%/month)
- After 60 days = possible legal action or seizure
- Negative impact on future credit score
3. Deposit Risk
If you deposit additional collateral for a margin call, you risk its liquidation.
4. No Withdrawal After Signing
- Withdrawal period: ONLY 14 calendar days
- After that: binding, non-cancelable commitment
Limitations & Liability
1. CBC is NOT a Financial Advisor
CB Consulting:
- ✅ Provides loans
- ❌ Does NOT provide investment advice
- ❌ Does NOT recommend buying/selling crypto
- ❌ Does NOT analyze the profitability of your projects
You are solely responsible for your financial decisions!
2. No Additional Protections
- No insurance against crypto volatility
- No return guarantee
- No integrated unemployment/health insurance
- No compensation if price falls
3. Force Majeure
In the event of exceptional events (crypto crash, blockchain hack, massive outage), CBC is not liable for losses beyond what is legally possible.
Promises CBC DOES NOT Make
CBC DOES NOT GUARANTEE ANY OF THIS:
- ❌ Guaranteed return
- ❌ Automatic approval
- ❌ Fixed rate indefinitely
- ❌ Protection against volatility
- ❌ Investment advice
- ❌ Success of your project
- ❌ Effortless repayment
- ❌ Increase in crypto value
- ❌ Profit on borrowing
- ❌ Conditions for '100% guaranteed loans'
Before Taking a Loan
Caution Checklist:
- ✓ Read all terms fully before signing
- ✓ Ask questions if you don't understand
- ✓ Assess your ability to repay even if your salary drops by 20%
- ✓ Consider collateral liquidation within 48h (for crypto)
- ✓ Consult a tax or financial advisor for larger amounts
- ✓ Check your credit score before applying
- ✓ Request a detailed simulation with all scenarios
- ✓ Wait the 14-day withdrawal period before any irrevocable commitment
Need clarification on risks?
Contact our team:
We will answer your questions fully and honestly.
Acknowledgment:
By applying for a CBC loan, you acknowledge that you have read, understood and accepted ALL of the risks listed.
CBC strongly recommends consulting an independent financial advisor before any financing exceeding CHF 50,000.
Update: Risk disclosures updated on February 22, 2026.