Xoala Digital (“we”, “our”, or “the Company”) is a digital asset platform that provides services including the purchase, sale, custody, and transfer of supported cryptoassets.

Xoala Digital, a limited liability company with its registered seat in Łódź, Poland, organized and existing under the laws of Poland, whose registered office is UL. Piotrkowska 116/52, 90-006 Łódź, district Łódź, entered in the Register of Entrepreneurs of the National Court Register kept by the District Court for Łódź Śródmieście, under KRS: 0001047696, tax identification number: 7252333354.

Xoala Digital is entered in the Register of Virtual Currency Service Providers maintained by the Director of the Tax Administration Chamber in Katowice, under registration number: RDWW-872. We are authorised and registered as a Virtual Asset Service Provider (VASP) in Poland and are therefore permitted to operate in accordance with applicable Polish laws and regulations.

Our services allow you to seamlessly exchange cryptoassets for fiat currency, and vice versa.

Xoala Digital operates under the regulatory framework of the European Union, including the Markets in Crypto-Assets Regulation (MiCA). Our services are not covered by national deposit guarantee or investor compensation schemes in the EU.

Cryptoassets are speculative and high-risk. Their value can rise or fall sharply, and you could lose the entire value of your investment. Cryptoassets are not suitable for all users. Consider your financial situation, risk appetite, and investment experience before engaging.

At Xoala Digital, we want to ensure that users are fully informed before engaging in cryptoasset services. In line with our commitment to transparency, the following outlines the key risks consumers should understand. Cryptoassets and related services are complex and speculative, and users should only proceed if they are aware of and comfortable with the following risks:

1. Total Loss of Investment
   Cryptoassets carry the real risk of total capital loss. Prices can move drastically over short periods, and in many cases, the value of a cryptoasset may fall to zero. You should only invest funds you can afford to lose. Xoala Digital does not offer any guarantees or protections against such loss.
2. High Volatility & Market Risk
   Prices of cryptoassets are highly speculative and are largely driven by market demand. Extreme price swings may occur due to social sentiment, influencer promotions, regulatory news, or technical issues. Many cryptoassets are unsuitable as a store of value or a stable means of exchange.
3. Liquidity Constraints
   Some assets may be difficult to sell quickly or at a fair price. Market depth may be limited, and prices can vary significantly between platforms. In certain cases, you may not be able to exit your position when desired due to a lack of buyers or platform outages.
4. Lack of Consumer Protections
   Most cryptoassets and related services fall outside existing EU consumer protection frameworks. This means you are unlikely to benefit from complaint procedures, compensation schemes, or deposit insurance that apply to regulated financial products. Xoala Digital operates within MiCA compliance but cannot guarantee recourse outside applicable EU law.
5. Misleading Promotions & Social Media Influence
   Crypto products are frequently advertised using simplified or exaggerated claims, especially via social media. Be cautious of influencers or marketing that emphasizes high returns without disclosing the associated risks. Influencers may be financially incentivized to promote products and could present biased or incomplete information.
6. Complex Product Structures
   Some crypto products (e.g., derivatives, leveraged tokens, algorithmic stablecoins) are technically complex and may amplify losses under adverse market conditions. These products are often not suitable for consumers without prior financial or technical experience.
7. Fraud, Scams & Phishing
   Fake tokens, impersonation attempts, and phishing attacks are common across the crypto landscape. You may be targeted through fake emails, websites, or support messages. At Xoala Digital, your security is our top priority. Here’s how we help you stay protected:
   • Login Credentials: When you join Xoala, you set up login credentials unique to you (your email and password). You should never share these with anyone, including those claiming to be from Xoala Digital.
   • Strong Customer Authentication (SCA): As required by EU legislation, Xoala uses two-factor authentication (2FA) as part of our commitment to secure user access.
   • Safe Communication: We will never ask for your password, request screen-sharing, or instruct you to download third-party applications. Any communication from us will be initiated via official email or push notification.
   • Phishing Awareness: If you receive a suspicious email or message, we strongly recommend that you forward a screenshot to help@xoala.com before taking any action.
8. Cybersecurity & Operational Risks
   Even with the best security measures, blockchain infrastructure and crypto platforms can experience outages, bugs, or cyberattacks. Many consumers have lost funds due to hacks, poor private key management, or service downtime. Xoala Digital applies robust security protocols, but users must also follow best practices to protect their accounts and wallets.
9. Pricing Opacity & Market Manipulation
   The pricing of cryptoassets can lack transparency. Assets may be thinly traded or subject to manipulation by large holders (“whales”). This means you may not receive fair treatment or pricing during trades, especially during times of high volatility.
10. Environmental Impact
    Certain cryptoassets use energy-intensive validation mechanisms (like Proof-of-Work), contributing to environmental concerns. Users should consider sustainability as part of their decision-making and understand that future regulation may affect the availability or use of certain assets.
11. Tax and Legal Uncertainty
    Crypto transactions may generate taxable events depending on your country of residence. Regulations and tax rules continue to evolve across the EU. Xoala Digital does not provide tax advice — it is your responsibility to understand and fulfill any tax obligations.
12. Device & Key Security
    If you use a personal wallet, your private keys must be securely stored. Losing these keys will result in the permanent loss of access to your cryptoassets. Ensure that your devices are secure, updated, and free of malware.

Cryptoassets are not legal tender and are not insured. They are not covered by EU deposit protection or investor compensation schemes. Transactions may be irreversible and could result in loss from theft, hacking, or technical error.

Xoala Digital does not offer investment, legal, or tax advice. Engaging with cryptoassets is at your own discretion. If in doubt, consult with independent financial professionals.