Disclaimer
Understanding the limits of Pledge research before you borrow, custody Bitcoin, compare ETFs, or review Digital Credit products.
Last updated: April 5, 2026
Before you proceed
Pledge is not a financial advisor. Nothing on this site constitutes financial, investment, legal, or tax advice. All content is informational only. Bitcoin borrowing, custody services, ETFs, and Digital Credit products carry significant risk, including the potential loss of collateral or capital.
1. Informational Purposes Only
Pledge provides informational comparisons of Bitcoin-backed lending platforms, wallets, custodians, ETFs, Digital Credit products, and other Bitcoin-related products. All content on this website — including safety scores, interest rate comparisons, custody assessments, ETF expense analyses, lending guides, chatbot responses, and any other material — is for informational purposes only.
It does not constitute financial, investment, legal, or tax advice.
↑ Back to top2. Not a Financial Advisor
Pledge is not a registered investment advisor, broker-dealer, financial planner, or lending institution. We do not provide personalized financial recommendations tailored to your specific circumstances.
Pledge content is not an offer, solicitation, recommendation, or endorsement to buy, sell, borrow, lend, custody, or invest in any product or service.
Any comparison results, platform rankings, or lender suggestions generated by our tools are based on the inputs you provide and our scoring methodology — they are not directives to act.
↑ Back to top3. Inherent Risks of Crypto Lending
Bitcoin-backed lending carries significant risks. Before engaging with any platform, you should understand:
Liquidation risk
Cryptocurrency prices are highly volatile. A significant price decline can trigger margin calls and liquidation of your collateral.
Counterparty risk
Even platforms with strong safety scores can experience failures, hacks, or regulatory actions that may result in loss of funds.
Smart contract risk
DeFi protocols carry inherent risks including bugs, exploits, and oracle failures.
Regulatory risk
The regulatory landscape for cryptocurrency lending is evolving and may change without notice.
Rate volatility
Interest rates displayed on Pledge are approximate and subject to change at the lender's discretion.
4. No Guarantee of Accuracy
While we make every effort to maintain accurate and current information, we cannot guarantee the accuracy, completeness, or timeliness of any data on this site.
Interest rates, loan terms, custody models, regulatory statuses, NAV premiums, expense ratios, and security details change frequently.
Always verify current terms directly with the provider before making any decisions.
5. Affiliate Compensation
Pledge currently has no affiliate, referral, or sponsorship relationships with any lender, ETF issuer, custodian, or stablecoin project we cover. There is currently nothing to disclose because there is no monetization in place. If that changes, every monetized link will carry a clear ↗ AFFILIATE marker and this section will be updated before any paid link goes live.
Editorial independence: Commercial relationships should not influence safety scores, platform rankings, or editorial conclusions. The relevant scoring methodology is applied to tracked platforms and products regardless of referral status.
For full details, see our scoring methodology.
↑ Back to top6. Limitation of Liability
To the fullest extent permitted by law, Pledge and its operators disclaim all liability for any losses, damages, or harms arising from your use of this website or reliance on any information provided herein.
This includes:
- Direct, indirect, incidental, consequential, and punitive damages
- Losses from lending decisions, platform failures, liquidation events, or investment decisions
Use of this site and its tools is entirely at your own risk.
↑ Back to top7. AI-Powered Tools
Pledge uses artificial intelligence to power certain features on our website, including our advisor chatbot. This chatbot uses AI to help answer questions about Bitcoin-backed lending based on the data and analysis published on our site.
Important: AI-generated responses are informational only and may contain errors or outdated information. They do not constitute financial advice. Always verify information independently and consult qualified professionals before making financial decisions.
Chat inputs are processed to generate responses and are not stored beyond the current session. See our privacy policy for details on data handling.
↑ Back to top8. Independent Verification
You are solely responsible for conducting your own research and due diligence before engaging with any lending platform, purchasing any security, or using any custody service.
We strongly recommend consulting with qualified financial, legal, and tax professionals before making any borrowing or investment decisions.
9. Contact
Questions about this disclaimer? Contact us at bitcoinanalytica@gmail.com.
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