Risk Disclosure

Creator tokens are access and utility tokens. They are not shares, securities, debt instruments, investment contracts, deposits, or financial products of any kind. Nothing on People.market is an offer or solicitation to purchase or sell any security or investment product. We make no promise of profit, return, income, or appreciation. You are solely responsible for your decisions. Do your own research. Consult a qualified financial adviser if you are unsure.

Token prices are highly volatile and driven entirely by supply and demand on the bonding curve and, after graduation, on open markets. A token's price can fall rapidly and go to zero. You may lose the entire amount you spend. Past performance of any token is no indication of future results.

Prices are set algorithmically: buying pushes the price up; selling pushes it back down. Buying early means a lower entry price — this is a feature of the pricing mechanism, not a guarantee of profit. If more people sell than buy, the price falls for all holders. Large sell orders can move the price significantly.

Many tokens may not complete their launch curve or graduate to open-market trading. A token that has not graduated can only be sold back to the bonding curve — if the curve has low liquidity, you may receive significantly less than you paid. Even after graduation, thin trading volumes can make it difficult to sell at a fair price or at all.

A token graduates only when its entire 20 million public allocation is sold through the bonding curve. Most tokens may not graduate. An ungraduated token has limited liquidity and no open-market price discovery.

All core functionality runs on smart contracts on Solana. Despite third-party security audits, contracts may contain undiscovered bugs or be exploited. Contract exploits can result in total or partial loss of funds. All on-chain transactions are irreversible.

Creators may cease engaging with their community, fail to deliver promised tasks or perks, misrepresent themselves, or act in ways that harm token holders. Vesting locks prevent creators from exiting overnight but do not prevent them from abandoning the platform.

A small number of holders could accumulate a disproportionate share of a token and influence its price. Although People.market designs against pump-and-dump schemes through vesting and transparent pricing, we cannot fully prevent coordinated market behaviour on open markets after graduation.

The legal status of crypto tokens is unsettled and varies by country. Regulators in any jurisdiction may determine that creator tokens constitute securities or financial products requiring licensing or registration. You are solely responsible for ensuring your use of the Services complies with the laws that apply to you.

Buying, selling, earning, and holding tokens may generate taxable events in your jurisdiction. You are solely responsible for determining, reporting, and paying any taxes on your activity. People.market does not provide tax advice.

People.market is non-custodial. You hold your own assets in your own wallet. If you lose your private keys or seed phrase, your assets are permanently and irrecoverably lost. Phishing attacks, malware, and scam websites impersonating People.market are real and active threats. Always verify the URL before connecting your wallet. People.market will never contact you first to ask for your seed phrase, password, or a fund transfer.

The Services depend on third parties we do not control, including the Solana network, Raydium, and wallet providers. Their failure, downtime, or security breach could disrupt the Services or cause loss.

Your assets are not insured by any government, deposit-protection scheme, or us. If the Services are suspended, hacked, or shut down, there is no guarantee of recovery.

The Services are not available to residents of certain jurisdictions where they are prohibited. Access restrictions may change without notice.

By using People.market, you confirm that: (a) you have read and understood this Risk Disclosure; (b) you understand that you may lose all funds you commit; (c) you are making your own independent decision to use the Services; (d) you are not relying on People.market for financial, investment, legal, or tax advice; and (e) you are legally permitted to use the Services in your jurisdiction.