Risk disclosure
DRAFT — requires legal review before launch. This page was drafted as a starting point and has not been reviewed by counsel. It must not go live in this state.
Educational only
University of Passive Income (“UPI”) publishes educational material about how decentralised finance tools work. UPI is not a registered investment adviser, broker-dealer, or financial planner. Nothing UPI publishes — including the micro-course, the checklist, the emails, the community, and any one-on-one setup session — is investment advice, a recommendation to buy or sell any asset, or an opinion on whether any transaction is suitable for you.
You can lose everything
Providing liquidity to a decentralised exchange carries substantial risk, including but not limited to:
- Impermanent loss — when the assets in a pool diverge in price, the pool rebalances between them, and you may end up with less value than if you had simply held the assets. Fees earned may or may not offset this.
- Smart-contract risk — the software governing a pool may contain defects or be exploited, and funds may be lost irrecoverably.
- Asset risk — the tokens themselves may lose all of their value.
- Bridge and custody risk — moving assets between chains, and holding them in any wallet, carries risk of loss or theft.
- Cost drag — network fees may exceed any fees earned, particularly on small positions.
- Irreversibility — blockchain transactions generally cannot be reversed. A mistake is usually permanent.
Do not commit capital you cannot afford to lose entirely.
No performance or earnings claims
UPI makes no representation that any outcome is typical, achievable, or likely. Any figures shown in educational material illustrate a mechanism, not a forecast. Advertised rates on third-party interfaces are backward-looking and are not predictions. Results vary. No specific outcome is promised.
The setup session
The paid one-on-one setup session is hands-on technical assistance with your own accounts and systems. The instructor demonstrates how wallets, exchanges and pool interfaces operate. The instructor does not select investments for you, does not advise on suitability or allocation, does not take custody of or handle your keys, seed phrase or funds, and does not execute transactions on your behalf. All decisions and all transactions are yours.
Your keys
UPI will never ask you for your seed phrase, private keys, passwords, or control of your funds — by email, in the community, on a call, or by any other means. Anyone doing so is not us.
Referrals to Hybrid Advisors
UPI is a separate brand from Hybrid Advisors. If you elect to book a call regarding professionally managed options, you will be connected with Hybrid Advisors, a registered investment adviser. UPI may be compensated for such referrals. That compensation is a conflict of interest you should weigh.
Taxes
Transactions may have tax consequences. UPI does not provide tax advice. Keep your own records and consult your own tax professional.