Risk Disclosure

Version: 1.0

This Risk Disclosure explains important risks and uncertainties associated with using DXBTOK and engaging in property-related reservation, onboarding, and transaction processes made available through the platform.

You should read this Risk Disclosure carefully before proceeding with any reservation, payment, onboarding step, or property-related transaction through DXBTOK.

1. General Warning

Property-related transactions involve risk. Values, timelines, availability, costs, and transaction outcomes may change or fail to proceed as expected.

By using DXBTOK, you acknowledge that:

• property-related transactions are not risk-free

• completion is not guaranteed

• timing is not guaranteed

• third-party actions may affect the transaction

• market conditions may change

• you may lose time, opportunity, fees paid, or other amounts depending on the transaction structure and circumstances

  
  

2. Platform Nature

DXBTOK operates as a platform for property access, onboarding, reservation support, transaction coordination, and related services.

DXBTOK is not acting as your personal:

• financial adviser

• investment adviser

• tax adviser

• legal adviser

Nothing on the platform should be treated as:

• a personal recommendation

• guaranteed financial outcome

• guaranteed appreciation

• guaranteed rental result

• guaranteed completion date

• guaranteed resale opportunity

You remain responsible for making your own decisions and for obtaining independent professional advice where needed.

3. Market Risk

Property values may rise, fall, stagnate, or become less liquid.

Market conditions may be affected by:

• supply and demand

• interest rates

• buyer sentiment

• government policy

• taxation

• currency changes

• regional or global economic conditions

• project-specific or location-specific developments

Any examples, projections, estimates, or market commentary shown on the platform are for general informational purposes only unless expressly stated otherwise in writing.

4. No Guarantee of Performance or Outcome

DXBTOK does not guarantee:

• property value growth

• rental income level

• resale timing

• buyer demand

• financing approval

• handover timing

• registration timing

• project completion

• transaction completion on expected terms

A property may perform worse than expected, take longer than expected, or fail to deliver the commercial result you hoped for.

5. Reservation Risk

A reservation may be temporary only and may depend on:

• payment within the stated deadline

• cleared funds

• successful KYC and compliance review

• document completion

• third-party confirmation

• continued availability of the property

A reservation does not by itself guarantee that a final purchase or transfer will occur.

If required steps are not completed in time, a reservation may expire, be cancelled, or the property may be released.

6. Fee Risk

DXBTOK fees, reservation-related fees, service fees, or other charges may be payable before a transaction is fully completed.

Depending on the applicable transaction terms:

• certain fees may be non-refundable once work has started

• costs may already have been incurred by DXBTOK or third parties

• part or all of a paid amount may be retained where permitted by law and disclosed in the applicable transaction documents

You should carefully review any reservation summary, purchase summary, fee disclosure, or transaction-specific terms before proceeding.

7. Title Deed Ready Risk

Title Deed Ready transactions may still involve risk, including:

• seller delay

• broker delay

• title transfer issues

• registration issues

• document issues

• banking delays

• authority processing delays

• legal or practical obstacles to completion

Even when a property is ready, completion may take longer than expected or fail to proceed due to issues outside DXBTOK’s direct control.

8. Title Deed Off-Plan Risk

Title Deed Off-Plan transactions involve additional risks, including:

• construction delay

• project variation

• handover delay

• developer process changes

• escrow or registration issues

• regulatory changes

• contractor or supply issues

• project suspension

• project underperformance

• market changes before handover

Future timelines, handover expectations, payment schedules, and project outcomes depend heavily on third parties and may change.

9. Third-Party Risk

DXBTOK may rely on third parties such as:

• developers

• brokers

• legal professionals

• banks

• payment providers

• compliance providers

• administrative partners

• authorities and registries

DXBTOK does not control all third-party actions, processing times, decisions, errors, solvency, or conduct. Delays, failures, refusals, document issues, or operational problems by third parties may affect your transaction.

10. Compliance and Source-of-Funds Risk

Your access to services or transactions may be delayed, restricted, or cancelled if:

• KYC requirements are not completed

• AML checks raise concerns

• source-of-funds evidence is insufficient

• sanctions issues arise

• identity cannot be verified

• required documents are missing, inconsistent, or rejected

Compliance outcomes are not guaranteed, and a transaction may not proceed if required checks cannot be completed satisfactorily.

11. Payment and Banking Risk

Payments may be affected by:

• bank delays

• intermediary delays

• rejected transfers

• account restrictions

• payment processor issues

• exchange-rate fluctuation

• bank charges

• transfer errors

• compliance reviews by financial institutions

Funds sent through banking channels may take longer than expected to arrive, may be reduced by charges, or may be delayed for compliance review.

12. Currency Risk

If payments, pricing, or transaction costs involve different currencies, exchange-rate movements may affect the real cost of the transaction.

Currency fluctuation may:

• increase your effective purchase cost

• reduce the value of converted funds

• affect affordability

• change expected economics of the transaction

DXBTOK is not responsible for exchange-rate movements or banking deductions outside its direct control.

13. Information Risk

Platform content, status indicators, examples, dashboards, summaries, and informational materials may be:

• delayed

• provisional

• incomplete

• illustrative

• subject to correction

• dependent on third-party information

You should not rely solely on platform summaries or indicative figures without reviewing the relevant transaction documents and, where needed, taking independent advice.

14. Legal and Regulatory Risk

Property transactions may be affected by:

• local law

• foreign ownership rules

• registration requirements

• project-specific regulations

• tax treatment

• documentation standards

• changes in regulation or enforcement

Legal or regulatory changes may affect structure, timing, cost, or the ability to proceed with a transaction.

15. Technology and Access Risk

Use of an online platform involves technology risk, including:

• downtime

• errors

• interruptions

• login issues

• document upload failures

• data transmission issues

• device or browser incompatibility

• cyber or security threats

DXBTOK does not guarantee uninterrupted access to the platform or uninterrupted availability of any feature.

16. Independent Review

Before proceeding with any property-related transaction, you should consider obtaining independent:

• legal advice

• tax advice

• financial advice

• property-specific professional advice

This is especially important if you are uncertain about the risks, fee structure, legal mechanics, tax consequences, affordability, or transaction timeline.

17. Your Acknowledgment

By proceeding with DXBTOK, you acknowledge that:

• you have read or had the opportunity to read this Risk Disclosure

• you understand that property-related transactions involve risk

• you understand that fees, delays, third-party issues, and non-completion risks may apply

• you understand that no commercial outcome is guaranteed

• you understand that platform information may be indicative only

• you remain responsible for your own decisions

  
  

18. Contact

If you have questions about this Risk Disclosure, you may contact:

DXBTOK LTD
71–75 Shelton Street, Covent Garden, London, United Kingdom
Email: support@dxbtok.com