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Legal Disclosures

Important information about our services, risks, and regulatory compliance.

Risk Disclosures

Digital assets and cryptocurrencies present unique risks that investors should carefully consider:

  • Extreme Volatility: Cryptocurrency prices can rise or fall dramatically within a very short period, potentially resulting in significant investment losses.
  • Regulatory Uncertainty: The regulatory landscape for digital assets is evolving and varies by jurisdiction. Changes in government regulations may adversely affect the value and function of cryptocurrencies.
  • Security Risks: Digital assets are subject to cybersecurity breaches, hacking, and theft. Despite our robust security measures, we cannot guarantee absolute protection against sophisticated cyber attacks.
  • Technology Risks: Blockchain technology is still developing. Technical flaws, code defects, or technological advances could lead to loss of assets or market disruptions.
  • Market Liquidity: Some cryptocurrencies may have limited trading volume, potentially affecting the ability to liquidate positions quickly without impacting market price.
  • Fork Risks: Blockchain forks may create uncertainty and duplicate assets or result in the devaluation of existing holdings.

Investors should only allocate capital to cryptocurrencies that they are prepared to lose. Past performance of digital assets is not indicative of future results.

Investing in commodities and precious metals involves several specific risk considerations:

  • Price Volatility: Commodity prices can be highly volatile due to unpredictable events like weather conditions, disease outbreaks, or geopolitical conflicts.
  • Storage Costs: Physical commodities require secure storage, the costs of which can impact overall investment returns.
  • Liquidity Risk: Some commodities may have limited markets, potentially affecting the ability to sell positions at desired prices.
  • Contango and Backwardation: For commodity futures investments, these market conditions can lead to negative returns even when spot prices remain flat or positive.
  • Currency Exposure: International commodity trading often involves currency exchange risks that can impact returns.
  • Regulatory and Political Risk: Government policies, tariffs, subsidies, and environmental regulations can significantly impact commodity values and markets.

Commodities historically have high volatility and may experience periods of prolonged drawdowns. They should be considered as part of a diversified portfolio strategy.

Understanding the liquidity constraints associated with diverse asset classes is critical:

  • Redemption Timelines: Different asset classes have varying redemption and settlement periods. While some publicly traded securities settle within days, real estate investments may require extended liquidation periods.
  • Market Conditions: During periods of market stress or volatility, liquidating positions may be difficult and may only be possible at significantly discounted prices.
  • Real Estate Liquidity: Our tokenized or fractional real estate investments have specific redemption windows and may impose gates or restrictions during adverse market conditions.
  • Alternative Investments: Certain commodities and specialized investments may have limited secondary markets and longer settlement periods.
  • Early Redemption Penalties: Some investment options may impose fees or penalties for early redemption or withdrawal before designated holding periods expire.

Investors should carefully consider their liquidity needs and time horizon before allocating to less liquid assets. We recommend maintaining sufficient liquid assets for near-term financial requirements.

All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Fixed income investments are subject to interest rate risk, and their value will decline as interest rates rise. The investment risks vary between different asset types:

  • Precious Metals (Gold): Subject to market volatility, geopolitical risks, and currency fluctuations. Storage costs may impact total returns.
  • Digital Assets (Cryptocurrency): Highly volatile with potential for significant gains and losses in short periods. Regulatory changes, security breaches, and technological developments can substantially impact value.
  • Commodities (Oil, Agriculture): Exposed to weather conditions, geopolitical events, supply chain disruptions, and changing global demand patterns.
  • Real Estate: Subject to property market cycles, interest rate changes, geographic concentration risks, and potential liquidity constraints.
  • Stocks: Exposed to company performance, market sentiment, economic conditions, and industry-specific factors.
  • Bonds: Subject to interest rate risk, credit risk, and inflation risk that can erode purchasing power of returns.

Diversification does not guarantee a profit or protect against loss in declining markets. Bitearn Capital's investment products are not FDIC insured, may lose value, and are not bank guaranteed.

Regulatory Information

Registration Status

Bitearn Capital is registered as a broker-dealer with the U.S. Securities and Exchange Commission (SEC) and is a member of the Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). SIPC protection is limited to securities customers and their cash and securities held in the firm's customer accounts. SIPC does not protect against market losses or non-securities assets.

Our cryptocurrency operations are conducted through a separate but affiliated entity, Bitearn Capital Digital LLC, which is registered as a Money Services Business with FinCEN and maintains appropriate state licenses for virtual asset activities.

Real estate and certain alternative investments are offered through Bitearn Capital Alternative Investments LLC, a registered investment adviser under the Investment Advisers Act of 1940.

Regulatory Oversight

Different aspects of our operations fall under various regulatory frameworks:

  • Securities: Regulated primarily by the SEC and FINRA
  • Commodities: Subject to CFTC oversight
  • Digital Assets: Subject to FinCEN, state money transmitter laws, and emerging crypto regulations
  • Banking: Our cash management solutions involve partnering with FDIC-insured banking institutions
  • International: Complies with cross-border regulations including FATF recommendations

Our compliance team actively monitors regulatory developments across all asset classes to ensure ongoing adherence to applicable laws.

Investor Protection

Bitearn Capital is committed to investor protection and maintains the following safeguards:

Protection Type Asset Class Coverage Details
SIPC Insurance Securities (Stocks, Bonds) Up to $500,000 per customer, including $250,000 for cash claims
Supplemental Insurance Securities Additional protection beyond SIPC limits through private insurance policy
Segregated Accounts All Asset Classes Client assets held separately from corporate assets
Cold Storage Digital Assets Majority of crypto assets stored offline with multi-signature security
Insured Custody Precious Metals Physical metals held in secure, insured third-party vaults

While we employ substantial safeguards, no protection system is foolproof. Each asset class carries inherent risks as detailed in our risk disclosure documents. It's important to note that protection schemes generally cover losses from firm failure or malfeasance, not market-related investment losses.

Fee Structure

Bitearn Capital uses a transparent, tiered fee structure designed to reward higher account balances with lower fees:

Account Value Annual Platform Fee Billing Frequency
$1,000 - $10,000 0.85% of assets Monthly
$10,001 - $100,000 0.65% of assets Monthly
$100,001 - $1,000,000 0.45% of assets Monthly
$1,000,001+ 0.25% of assets Monthly

The platform fee covers account maintenance, portfolio reporting, basic financial planning tools, and standard customer support. Premium services may incur additional fees as outlined in our service agreements.

Different asset classes may incur specific fees beyond the standard platform fee:

Asset Class Fee Type Fee Amount
Precious Metals Storage Fee 0.15% annually of metal value
Digital Assets Trading Fee 0.50% per transaction
Real Estate Management Fee 0.75% annually of property value
Securities Trading Commission $0 for most U.S. stocks and ETFs
Commodities Contract Fee $3.50 per contract

Additional fees may apply for specialized services such as physical delivery of metals, international securities trading, or complex commodity derivatives. Please refer to your specific asset investment agreements for complete fee details.

The following ancillary fees may apply to specific account activities:

  • Wire Transfer Fee: $25 for domestic outgoing wires, $50 for international wires
  • Paper Statement Fee: $5 per statement (electronic statements are free)
  • Account Closure Fee: $75 for accounts closed within the first year
  • Inactive Account Fee: $25 quarterly for accounts with no activity for 12 months with balances under $10,000
  • Precious Metals Delivery: Variable fee based on metal type, weight, and shipping destination
  • Asset Transfer Fee: $75 per asset type when transferring to another institution
  • Premium Support: $250 annually for dedicated account representative access

All fees are subject to change with 30 days' written notice to account holders. Bitearn Capital strives to maintain competitive fee structures and regularly reviews our pricing against industry benchmarks.

Privacy and Data Security

Data Collection and Usage

Bitearn Capital collects various types of personal information to provide and improve our services. This information includes but is not limited to:

  • Personal identifiers (name, address, email, phone number)
  • Government-issued identification for KYC/AML compliance
  • Financial information (income, assets, investment goals)
  • Transaction data and account activity
  • Technical data (IP address, device information, browsing patterns)

We use this information to:

  • Process transactions and maintain your account
  • Comply with regulatory requirements
  • Provide personalized investment recommendations
  • Detect and prevent fraud
  • Improve our products and services

For complete information, please review our Privacy Policy.

Information Sharing Practices

Bitearn Capital limits the sharing of personal information to what is necessary for business operations and as required by law:

  • Service Providers: We share information with trusted partners who perform services on our behalf, such as custody providers, payment processors, and technology vendors.
  • Regulatory Bodies: We are required to share certain information with regulatory authorities like the SEC, FINRA, FinCEN, and tax authorities.
  • Corporate Transactions: Information may be transferred as part of a merger, acquisition, or sale of company assets.
  • Marketing Partners: With your consent, we may share information with select partners for promotional purposes.

You have the right to limit certain types of information sharing. To exercise your opt-out rights, please visit your account settings or contact our privacy team at privacy@Bitearn Capital.com.

Security Measures

Bitearn Capital employs industry-leading security practices to protect your personal and financial information:

Technical Safeguards
  • End-to-end encryption for data transmission
  • Multi-factor authentication for account access
  • Advanced fraud detection systems
  • Continuous security monitoring and threat intelligence
  • Regular penetration testing by independent security firms
Organizational Controls
  • Comprehensive employee background checks
  • Role-based access controls for sensitive data
  • Regular security awareness training for all staff
  • Formal incident response procedures
  • Third-party security assessments and audits

Despite these measures, no security system is impenetrable. We encourage clients to take personal responsibility for account security by using strong passwords, enabling multi-factor authentication, and promptly reporting suspicious activity.