Specific Responsibilities and Expectations of Retail Investors

Retail investors participating in the Ensuro Protocol are expected to engage with a high level of awareness, caution, and responsibility given the innovative and high-risk nature of decentralized insurance-linked investments.

Prior to transacting, all retail investors must successfully complete a Knowledge Risk Assessment, which evaluates their understanding of insurance risk pools, DeFi protocols, digital asset custody, and cybersecurity vulnerabilities. Passing this assessment is a mandatory precondition for investment, and responses are used to generate an individualized risk profile. Based on this profile, investment privileges may be capped or restricted.

The platform imposes a flat annual investment cap of USD 50,000 per retail investor. This measure is designed to limit systemic exposure to high-risk individuals and aligns with emerging best practices in decentralized finance. Retail investors are responsible for self-assessing their financial capacity and confirming that any capital committed does not exceed their risk tolerance or liquidity needs.

Retail investors are also expected to actively monitor communications from Ensuro, including updates posted via in-app alerts, email notifications, and the official website. It is the investor’s responsibility to remain informed of material changes to the protocol, pool structures, or associated risk disclosures.

Investors must acknowledge that liquidity constraints may arise during high claim periods, and capital may not always be immediately redeemable.

Additionally, retail investors must take full custody of their cryptographic credentials, understanding that loss of private keys or seed phrases will result in permanent loss of access to funds. Ensuro does not provide asset insurance or recovery mechanisms.

Retail investors must not rely on the operator for investment advice and are encouraged to seek independent legal, tax, and financial counsel before participating.

By proceeding, each retail investor confirms they have reviewed Ensuro’s Terms of Service, Privacy Policy, Risk Disclosure, and Fee Schedule, and they agree to be bound by the limitations and responsibilities outlined therein.