Risk disclosure
Investing carries risk. This page explains, in plain terms, what can go wrong with money you invest through 4Tzar.
1. Returns are not guaranteed
Every plan on 4Tzar shows a projected rate. That figure is a target, not a promise. Actual returns depend on the performance of the underlying property assets and can be lower than projected, zero, or negative. Past performance — ours or anyone’s — does not predict future results.
2. Property-specific risk
Real estate values move with the wider market, interest rates, local demand, construction costs, and the condition of individual assets. A property can lose value, take longer than expected to generate income, or fail to complete. Rental income can be interrupted.
3. Liquidity risk
Property is not a liquid asset. An investment placed under a plan runs for that plan’s stated duration, and principal returns to your available balance at maturity rather than on demand. You should assume you cannot access invested funds early.
4. Concentration risk
Placing all of your funds into a single plan concentrates your exposure to that plan’s outcome. Spreading investments does not remove risk, but concentrating them increases it.
5. Currency risk
Balances are held in USD and displayed in PKR at a conversion rate we publish and update. Movement between the two currencies will change the PKR value of your holdings independently of investment performance, in either direction.
6. Platform and operational risk
4Tzar depends on third-party payment providers, hosting, and network connectivity. Any of these can fail or be interrupted, which may delay a deposit, a withdrawal, or access to the platform. We work to keep such interruptions short, but we cannot guarantee uninterrupted service.
7. Counterparty risk
Deposits and withdrawals pass through external payment providers. A failure, freeze, or regulatory action at a provider can delay funds outside our control.
8. Regulatory and tax risk
Laws governing property investment, digital platforms, and payments can change, and such changes may affect how plans operate or how proceeds are treated. You are responsible for your own tax position. We do not provide tax advice, and we do not withhold or report tax on your behalf unless required to do so by law.
9. We do not provide financial advice
Nothing on 4Tzar — plan descriptions, projected rates, dashboards, rank tiers, or marketing material — is personal financial, investment, legal, or tax advice. We do not assess whether an investment is suitable for your circumstances. If you are unsure, seek independent advice from a qualified professional before investing.
10. Before you invest
- Understand the plan’s duration, limits, and rate before committing.
- Invest only surplus funds you can leave untouched for the full plan duration.
- Do not rely on projected returns to meet a fixed future commitment.
- Read the Terms of use in full.
Questions about anything on this page can be sent through our contact form.