Regulatory and Risk Disclaimer

Innovative Concepts AG (trading as SuisseBase™) — Version 1.0, 26 September 2026

1. Regulatory status

Innovative Concepts AG, UID CHE-294.772.335, Rue du Mont-Blanc 11, 1201 Geneva, is a Swiss financial intermediary affiliated to ARIF (Association Romande des Intermédiaires Financiers), affiliation no. 3284, a self-regulatory organisation recognised by FINMA under art. 24 AMLA. ARIF supervises our compliance with Swiss anti-money-laundering law. It does not supervise the quality, pricing or performance of our services.

Innovative Concepts AG is not a bank, is not licensed by FINMA, and is not a member of any deposit-guarantee scheme. Nothing we provide is a bank deposit, a security, a collective investment scheme or an insurance product.

2. What we do and do not do

We do not take custody of client digital assets. Wallets provided through our services are self-custodial embedded wallets on Privy's non-custodial infrastructure; the key is generated on the client's device under a 2-of-3 threshold scheme in which we hold no share, and the client exports the key before first use. Fiat accounts and payment details are provided by regulated partner institutions in the client's name and are governed by those institutions' terms.

We do not provide investment advice, portfolio management, or recommendations. Any information on this site is general and is not tailored to your circumstances.

3. Jurisdictional restrictions

Our services are offered from Switzerland. Annex A sets out three lists: (A) Prohibited Countries, with which we establish no relationship and execute no transaction; (B) the sanctions lists we apply to every person and entity regardless of country; and (C) Enhanced-Control Countries, for which a relationship is possible only after enhanced due diligence and senior-management approval. It is your responsibility to ensure that using our services is lawful where you are. We screen every application at submission and every relationship on an ongoing basis against all three lists, and refuse or terminate relationships that fall within (A) or (B).

4. Digital-asset risks

Digital assets are highly volatile and may become worthless. Transactions on public blockchains are irreversible; a transfer to a wrong address cannot be recalled. Networks may congest, fork or fail. Regulation of digital assets is changing and may restrict or prohibit their use in your jurisdiction. Digital assets are not legal tender and are not backed by any government or central bank. Stablecoins depend on the issuer's reserves and redemption terms and may lose their peg.

5. Self-custody risks

If you lose your private key or recovery material, your assets are permanently inaccessible and cannot be restored by us or anyone else. If a third party obtains your key, they control your assets. Never share your key, password or one-time codes, and treat any request for them as fraud.

6. Fraud and impersonation

We communicate by email only from addresses ending in @suissebase.xyz, and through channels you have registered with us. Email from any other domain claiming to be SuisseBase is fraudulent. We never contact you by unsolicited phone call, SMS or social-media message to request funds or credentials. See our Risk Disclaimer page for current scam patterns.

7. Tax

You are responsible for determining and meeting your own tax obligations. We do not provide tax advice and, where required by law, may report information to tax authorities.

8. No guarantee of availability

Services depend on third-party institutions, networks and verification providers and may be delayed, suspended or withdrawn without notice.

Annex A — Prohibited and High-Risk Jurisdictions

Effective 26 September 2026. Reviewed at least quarterly and on any change to FATF, UN, SECO, EU or OFAC lists.

List A — Prohibited Countries

No relationship and no transaction where the client's residence, nationality, ID-issuing country, country of incorporation, or main country of funds in or out is any of the following:

List B — Sanctions Lists Applied

No relationship and no transaction with any individual or entity that appears on, or is owned or controlled (50% or more, directly or indirectly) by a person appearing on, any of the following, regardless of country:

Screening is performed at onboarding and on every list update through our automated AML screening provider, with ongoing monitoring for the life of the relationship.

List C — Enhanced-Control Countries

Relationship permitted only with senior-management approval, documented and corroborated source of funds and source of wealth, and enhanced ongoing monitoring, where any screened field matches:

Approved by the Board of Directors of Innovative Concepts AG, Geneva, 26 September 2026. A signed copy is available to counterparties and supervisors on request.