Cryptokartal Review is Crypto Kartal a Scam or Legit Broker

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XM is broker with great bonuses and promotions. Currently we are loving its $30 no deposit bonus and deposit bonus up to $5000. Add to this the fact that it’s EU-regulated and there’s nothing more you can ask for.

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FBS is a broker with cool marketing and promotions. It runs an loyalty program, offers a $100 no-deposit bonus for all new clients outside EU willing to try out its services, and an FBS MasterCard is also available for faster deposits and withdrawals.

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HotForex is a EU Regulated broker, offering wide variety of trading accounts, including Auto, Social and Zero spread accounts. The minimum intial deposit for a Micro account is only $50 and is combined with 1000:1 leverage – one of the highest in the industry.

Traders` reviews for CryptoKartal

Spread

Slippage

Requotes

Price feed

Platform

Deposit/Withdraw

Customer service

Summary

No withdrawal

I have been trading in this cryptokartal but i didn’t
Withdraw my money because it didn’t allowed to withdraw.

Queja

A cryptokartal
Pte.
Que paso con mi invercion
De saparecieron de la pantalla
Entregerme mi dinero

Translated by Google:

Complain
To cryptokartal
Pte.
What happened to my investment
They disappeared from the screen
Give me my money

CryptoKartal – Diebe, Gauner, LГјgner

Denis Sommer und Heinz Keller sind nur 2 Namen, welche dich Гјber den Tisch ziehen und leere Versprechungen machen. Sie sind professionelle Broker, LГјgner und drГјcken auf der emotionalen Schine und sind in psychologie ganz gut unterwegs. Lasst die Finger von den beiden resp von Cryptokartal. Ich habe auch Verluste erlitten.

Translated by Google:

CryptoKartal – thieves, crooks, liars

Denis Sommer and Heinz Keller are just 2 names that rip you off and make empty promises. They are professional brokers, liars and push on the emotional line and are quite good in psychology. Keep your hands off the two or Cryptokartal. I have also suffered losses.

Burla

Fui burlado em 25o€.
NГЈo consigo contactar ninguГ©m da Criptokartal

Translated by Google:

Scam
I was swindled at 25o €.
I can’t contact anyone from Criptokartal

Kundenbetrug im grossen still

Haben seid März auf der Seite gehandelt ,Geld bekommen Sie in keinster Weise wieder ,in Gegenteil möchten Sie eine Auszahlung müsse man noch Geld bezahlen .

Kann jeden raten hier Handeln Sie bei den grössten Betrügern.

Translated by Google:

Customer fraud in the big quiet
Have been traded in March on the site, you get money in any way again, on the contrary you want a payment you still have to pay money.

Can anyone advise here Act on the biggest scammers.

Truffa

Ero stato contattato da Kryptokartal per iniziare un rapporto sul trading online,purtroppo questa Societa’ se cosi si puo’ chiamare dopo diversi versamenti per un totale di 58000 euro e’ sparita e non ho alcuna possibilita’ di contattarli anzi con un numero di w.a. al quale ci contattavamo con la broker scrivo i messaggi li leggono senza alcuna risposta.
Ho fatto denuncia alla polizia postale mi son rivolto ad uno studio legale senza risultato anzi rimettendoci anche i soldi dello studio.
Quindi che dovrei dire. la mia esperienza e’ fortemente negativa e sono preoccupato

Translated by Google:

Fraud
I had been contacted by Kryptokartal to start an online trading report, unfortunately this Company if you can call it after several payments for a total of 58000 euros has disappeared and I have no chance to contact them with a w.a. to whom we contacted with the broker I write the messages read them without any answer.
I made a complaint to the police post, I turned to a law firm without result, even putting the money back from the studio.
So what should I say . my experience is strongly negative and I’m worried

Account 1879266

pay out the account 1879266

Payment ID: 1567068668547821447

Sehr geehrte Damen/Herren,

Ihre Auszahlung ist bis Heute in meinen Konto nicht gekommen.

BegГјnstigter: DR. JANOS MAJER

Kreditinstitut: Advanzia Bank S.A.

IBAN: LU223442040002119167 BIC: ADVZLULL.

Ich habe den Fall meinem Finanz-Anwalt Гњbergeben, wer am 01.10.2020 Klage erheben.

Mit freundlichen GrГјГџen

Translated by Google:

Ladies and Gentlemen,

Your payout has not come into my account until today.

Beneficiary: DR. JANOS MAJER

Credit institution: Advanzia Bank S.A.

IBAN: LU223442040002119167 BIC: ADVZLULL.

I handed the case over to my financial lawyer, who filed an action on 01.10.2020.

With best regards

Estafa Cryptokartal

Mi nombre es Carlos Noya y me estafaron, junto con un amigo, más de 23.000 €. Esta gente de Cryptokartal son los mismos, que los estafadores de Banco de Monaco, Centrobanc y Coincall porque la investigación que estamos haciendo (junto con un ingeniero informático) nos da datos muy esclarecedores.

Sobre Cryptokartal ya hay investigaciones de la Policia Nacional ( de la UDEF) sobre esta gente y algunos Juzgados llevan el caso. Las empresas que estГЎn detrГЎs son:

• ELMOND ENTERPRISE LTD con domicilio en Griffith Corporate Center, Suite 350, P.O. Box 1510, Beachmont, Kingstown, San Vicente y las Granadinas; y número de Registro 24735 IBC 2020.

• FUKAZAWA PARTNETSHIP OÜ, con domicilio en Roosikrantsi tn 2-K520 Kesklinna linnaosa, Tallinn Harju maakond 10119, Estonia; y número de Registro 14484390.

• BIWAKO PARTNERS EOOD, con domicilio en Sofia 1142, Sofia District, Sofia Municipality, Sredets Region, 9 Professor Fridtjof Nansen Str., floor7, Bulgaria; y número de Registro: 204821135.

• CAPITAL MARKETS BANC con domicilio en Fridtjof Nansen Street 9, 1149, Sofia, Bulgaria.

• B2CRYPTO EOOD / B2CRYPTO LTD con domicilio en Fridtjof Nansen Str.9, 1142 Sofia, Bulgaria y Blvd. Tzar Boris III 15, Sofia, 1612, Bulgaria y número de Registro 205155120.

• MENTIS PARTNERSHIP OÜ, con domicilio en Harjumaa, Tallinn linn, Roosikrantsi tn 2-K485, 10119; y número de Registro 14470169.

Y los nombres de los estafadores que estamos investigando a dГ­a de hoy son, entre otros: Asle Back, Amanda Fox, William Parker MartГ­nez, Allyson, Alexander, Laura Raffaeli Moretti o Sara West.

La PolicГ­a y los InformГЎticos nos dijeron que habГ­a que ser muy directos a la hora de investigar para no dar con vГ­as muertas. Por ejemplo, si utilizaron Anydesk como conmigo, es muy importante ya que desde los registros de esta aplicaciГіn podemos saber el equipo fГ­sico desde donde se conectaron (nosotros ya tenemos algunas).

Igual, las transferencias a Bulgaria, Rusia, Estonia, RepГєblica Checa son fГЎciles de seguir.

Esta gente son profesionales de esto, que utilizan una pГЎgina y cuando la queman, ya van abren otra y siguen con lo mismo (a veces hasta utilizan los mismos nombres), por lo que es muy importante la colaboraciГіn entre los afectados, para reunir el mГЎximo nГєmero de pruebas posibles.

Si estГЎis en esta situaciГіn por favor ponerse en contacto con nosotros

Translated by Google:

My name is Carlos Noya and I was scammed, along with a friend, over € 23,000. These people from Cryptokartal are the same, as the scammers from Banco de Monaco, Centrobanc and Coincall because the research we are doing (together with a computer engineer) gives us very enlightening data.

About Cryptokartal there are already investigations by the National Police (of the UDEF) about these people and some Courts take the case. The companies behind are:

• ELMOND ENTERPRISE LTD domiciled at Griffith Corporate Center, Suite 350, P.O. Box 1510, Beachmont, Kingstown, Saint Vincent and the Grenadines; and Registration number 24735 IBC 2020.

• FUKAZAWA PARTNETSHIP OÜ, domiciled in Roosikrantsi tn 2-K520 Kesklinna linnaosa, Tallinn Harju maakond 10119, Estonia; and Registration Number 14484390.

• BIWAKO PARTNERS EOOD, residing in Sofia 1142, Sofia District, Sofia Municipality, Sredets Region, 9 Professor Fridtjof Nansen Str., Floor7, Bulgaria; and Registration Number: 204821135.

• CAPITAL MARKETS BANC domiciled at Fridtjof Nansen Street 9, 1149, Sofia, Bulgaria.

• B2CRYPTO EOOD / B2CRYPTO LTD with address at Fridtjof Nansen Str. 9, 1142 Sofia, Bulgaria and Blvd. Tzar Boris III 15, Sofia, 1612, Bulgaria and Registration number 205155120.

• MENTIS PARTNERSHIP OÜ, residing in Harjumaa, Tallinn Linn, Roosikrantsi tn 2-K485, 10119; and Registration Number 14470169.

And the names of the scammers we are investigating today are, among others: Asle Back, Amanda Fox, William Parker Martinez, Allyson, Alexander, Laura Raffaeli Moretti or Sara West.

The Police and the Informatics told us that we had to be very direct when it came to investigating not to find dead roads. For example, if you used Anydesk as with me, it is very important since from the records of this application we can know the physical equipment from where they connected (we already have some).

Likewise, transfers to Bulgaria, Russia, Estonia, Czech Republic are easy to follow.

These people are professionals of this, who use a page and when they burn it, they already open another and continue with the same (sometimes they even use the same names), so it is very important collaboration between those affected, to gather the Maximum number of possible tests.

If you are in this situation please contact us.

CryptoKartal queja

Solo me llamaban para pedirme mas dinero, cuando les preguntaba cuando podria recuperar mi inversion no me contestaban y asi estoy viendo que juegan con mi dinero y hace mas de un mes que no se nada de ellos

Translated by Google:

complain
They only called me to ask me for more money, when I asked them when I could recover my investment they didn’t answer me and that’s how I’m seeing that they play with my money and I haven’t heard from them for more than a month

CryptoKartal YatД±rД±lan para

Yaptırdığım 300 $ geriye kalan 75 $ hesabimda sahipsiz olarak durmaktadır yatırım uzmanım olan benjamine ne tlf numarasından ne de Watsapdan ulaşamıyorum mümkünse bana geri dönüş yapabilirlermi tif numaramı bırakıyorum ordaki 75 $ kalan paramı çekmek istiyorum btc adresimde var gerekirse göndereyim hesabima göndersinler paramı +905055052048427

Translated by Google:

Deposit money
I made $ 300 the remaining $ 75 in my account remains unattended as my investment expert benjamine neither I can not reach the number nor Watsapdan can return to me if possible leave my tif number there $ 75 I want to withdraw my remaining money I have my btc address if necessary send my account send my account +905055052048

Scamed by Crypto Kartal

Hello,
I invested 300 $. Now my balance is 1400 $. They asked for more investment. I refused and requested a withdraw. Now I can not speak with them.

CryptoCartal Betrug

Hallo,
ich habe zunГ¤chst rund 800 EUR investiert wurde dann von einem sogennaten Trader betreut / angerufen / E Mail Elena Maier mit Nummer aus Stockholm. Ziel war noch mehr Investment Kapital von mir zu erhalten. Als ich mitgeteilt habe das mache ich erst wenn ich einen withdraw / Auszahlung auf meinem Konto sehe – ist der Kontakt abgebrochen. Konto besteht nopch wird auch getradet (scheinbar) un vermehr sicht aber eien Auszahlung ist nicht mГ¶glich trotz weiteren versuchen. Also gelernt – das ist Betrug und nicht seriГ¶s.

Translated by Google:

Hello,
I initially invested around 800 EUR and was then looked after / called by a so-called trader / E-mail Elena Maier with a number from Stockholm. The goal was to get even more investment capital from me. When I told you I will not do that until I see a withdraw / withdrawal on my account – the contact is broken. Account exists nopch is also traded (apparently) and more view but a payout is not possible despite further attempts. So learned – this is fraud and not serious.

CryptoKartal acoso telefonico

Hola hace unas semanas desde alguna pГЎgina de internet (ya ni la recuerdo) he introducido mis datos y al momento me han llamado para intentar engaГ±arme, les dije que me lo pensarГ­a. A partir de ese dГ­a me han estado llamando muchos nГєmeros de telГ©fono. He pedido que no me llamaran mГЎs pero no hacen caso. Lo Гєltimo es que han llamado incluso a mi pareja preguntando por mi, ВїCГіmo han conseguido el nГєmero de telГ©fono de mi pareja si nunca lo he facilitado, ademГЎs que no viene a caso?. En el dia de hoy me ha llamado un tal LIAN NORDD diciendo que llamaban de CRYPTO CARTAL. Le hago saber que estГЎn vulnerando mis derechos que estoy inscrito en la LISTA ROBINSON y que me ampara la ley 17/1999 LEY ORGГЃNICA DE PROTECCIГ“N DE DATOS y la AEPD (ASCOCIACIГ“N ESPAГ‘OLA PARA LA PROTECCIГ“N DE DATOS) y me responde que a el le da igual que yo estoy inscrito a su pГЎgina y que me tengo que aguantar. COMO DIABLOS ME DOY DE BAJA DE TODOS ESTOS SERVICIOS?Ayuda por favor

Translated by Google:

CryptoKartal telephone harassment

Hello a few weeks ago from a website (I do not even remember it anymore) I entered my information and at the moment they called me to try to cheat me, I told them I would think about it. Since that day I have been calling many phone numbers. I have asked that they not call me again but they ignore it. The last thing is that they have even called my partner asking about me, how have they gotten my partner’s phone number if I have never provided it, besides that it does not come to mind? Today I was called by some LIAN NORDD saying that they called CRYPTO CARTAL. I let you know that they are violating my rights that I am enrolled in the ROBINSON LIST and that I am protected by the law 17/1999 ORGANIC LAW OF DATA PROTECTION and the AEPD (SPANISH ASSOCIATION FOR THE PROTECTION OF DATA) and he answers me that he gives just as I am registered to your page and I have to put up with it. AS DEVILS DO I GIVE LOW OF ALL THESE SERVICES? Help please

Be warned!

Unfortunately, I was not cautious enough to have read the comments on the Forx Broker website about this company Crypto Kartal. I should also have been warned when my account was debited in March 2020 to “Wall-it BAKU (Capital of Azerbeijan!).
Loads of unanswered mails, last one today, most returned as undelivered, despite using their ‘so called’ official websites.
Be warned. This is just one big scam, but as they are not registered/licenced with any (reputable!) government agency such as the UK’s FCA, it will be almost impossible to get these criminals (?) to refund even my 250.00 Euros despite having addresses in Frankfurt, Germany and London, UK.

CryptoKartal profesionales de la Estafa. CuidadГ­n

Yo tambiГ©n fui victima del engaГ±o. Existe alguna plataforma de personas afectadas para reclamar a esta gentuza?

Translated by Google:

CryptoKartal Professional scam. CuidadГ­n
I was also a victim of deception. Is there a platform for affected people to claim this riff-raff?

CryptoKartal Betrug

ich habe bei KryptoKartal durch eigenes Trading ein Guthaben von fast €uro 10.000 durch Traden mit Währungen aufgebaut. Wenn man aufpasst, geht das ganz gut. Am Anfang wird ein Betreuer zugewiesen, der dann aber mit der Zeit ausbleibt und sich nicht mehr kümmert. Der Betreuer ist auch nicht erreichbar. Bei den Telefonnummern, die man bekommt handelt es sich um ausländische Mobilfunknummern. Den Broker kann man aber auf Rückruf nicht erreichen.
Es gibt die MГ¶glichkeit sich Geld auszahlen zu lassen. Wenn man eine Summe eintrГ¤gt, kommt die Mitteilung “Auszahlungswunsch an den Broker weiter geleitet” Der Broker meldet sich aber nicht mehr. Telefon wird nicht abgehoben. Das Guthaben verbleibt auf dem Konto.Man kann zwar weiter Traden, aber Geld bekommt mann keines.

I have built up a credit balance of nearly € 10,000 through trading with currencies through KryptoKartal’s own trading. If you take care, that’s fine. At the beginning, a supervisor is assigned, but then fails over time and does not care anymore. The supervisor is also not available. The phone numbers you get are foreign mobile numbers. But you can not reach the broker on callback.
There is the possibility to withdraw money. If you enter a sum, the message “payment request to the broker passed on” The broker logs but not more. Phone is not picked up. The credit remains on the account. You can continue to trade, but you do not get any money.

CryptoKartal estafadores

empeze a funcionar con esta gente el pasado mes de enero, haciendo un deposito de 250€. al principio gente muy amable con buenas palabras Empezaron a insisitir en hacer mas deposito y me convencieron para ingresar otors 250€. durante el mes de febrero la cosa funcionaba bastanten bien con una inversion de 500€ teniamos ganancias de 800€, lo cual volvi a depositar hasta llegar a los 5450€. la cosa funcionaba bastante bien, incluso hubo ganancias que superaban los 23000€ decidi a finales del mes de abril retiral lo depositado pues tenia uehacer unos pagos y hay empezo el calvario, no contextan a los mensajes, no atienden al telefono, no hay manera de contactar con ellos. en el momento que dije que queria retirar las operaciones que hacian todas eran de perdidas, compraban en posiciones que estaban en negativo y a la baja, y en el mismo minuto lo cerraban haciendo 8 o10 operaciones seguidas con perdidas de unos800€ cada una, hasta llegar a los 10320€ que hay ahora.
el ultimo mensaje que les mande fue acusandoles de estafadores y diciendo que les voy a denucniar y reclamar el dineropuesto que son brokers no regulados, que sale su nombre en internet incluso con otras empresas uw se dedican a lo mismo estafando a la gente, desde entonces las posiciones estan cerradas y no hay ningun movimiento. todo se paralizo y hay esta el dinero sin poder cogerlo.

I started working with these people last January, making a deposit of € 250. At the beginning very nice people with good words They started insisting on making more deposit and convinced me to enter another € 250. during the month of February the thing worked well enough with an investment of € 500 we had earnings of € 800, which we deposited again until we reached € 5450. the thing worked quite well, there were even gains that exceeded € 23,000 decided at the end of April retiral deposited because I had to make some payments and started the ordeal, do not contextualize the messages, do not answer the phone, there is no way to contact them. at the time I said that I wanted to withdraw the operations that were all lost, bought in positions that were negative and down, and in the same minute closed it doing 8 o10 operations followed with losses of about € 800 each, until to the 10320 € that there is now.
the last message I sent them was accusing them of swindlers and saying that I’m going to denucniary and claim the money that are unregulated brokers, that their name comes out on the internet even with other companies uw are engaged in the same scamming people, since then the positions are closed and there is no movement. everything is paralyzed and there is money without being able to take it.

Crypto Kartal Review – 5 things you should know about Cryptokartal.com

Beware! Crypto Kartal is an offshore broker! Your investment may be at risk.

Don’t put all your eggs in one basket. Open trading accounts with at least two brokers.

Crypto Kartal is a Forex brokerage registered in St. Vincent and the Grenadines with lots of unclarity regarding its trading conditions. It provides a web-based trading platform and requires a minimum deposit of $250 which is about the industry average. The platform of the brokerage does seem to have a social trading element to it.

Crypto Kartal regulation & safety of funds

According to the website the companies behind the brokerage are registered in St. Vincent and the Grenadines with the name Elmond Enterprise LTD with a standard SVG address we have seen in countless other brokerages – Suite 305 Griffith corporate centre PO Box 1510 Beachmont Kingstown, St. Vincent and the Grenadines, and in Estonia by the name Fukazawa Partnership OU. Furthermore, we find no mention of a regulatory status which shouldn’t strike us as surprising due to the location of the brokerage. The government of SVG does not include forex trading within its regulatory framework and we can safely conclude that Crypto Kartal is not subject to any regulatory oversight.

Estonia is a member state of the EU and does regulate Forex trading, however, after checking in the online registry of the Finantsinspektsioon, we can safely conclude that Crypto Kartal is not regulated in Estonia either. Furthermore, testing the “trading platform” of the brokerage left us scratching our head. There is no CFD trading whatsoever on it and it looks pretty fake (because it is). The swindle here is probably only for the initial deposit of $250.

Beside this, we did also find some sort of social trading feature on the platform which does even more justice to the badly put together scam that is being offered here.

This is highly typical for scammers and we have come across it often while reviewing offshore brokerages. All that was outlined above inclines us to suspect that potential clients of the brokerage may be open to substantial risk.

We urge traders to exclude such risk in trading by only associating with brokers regulated by prestigious regulatory agencies, such as the FCA and CySec, which require compliance with a number of strict rules that give significant assurance for the security of the clients funds.

The segregation of accounts is among the rules which are especially important in the trading world, because it drastically lowers the risk of possible commingling.

Another is the participation in a compensatory scheme by which the client’s losses will be covered in the unlikely case the broker goes bankrupt or attempts to swindle traders.

Crypto Kartal deposit/withdrawal methods and fees

Potential clients of the brokerage have a wide range of payment methods available. They may deposit or withdraw via Visa and MasterCard, wire transfer, Bitcoin, OK Pay, Flexepin. Here is a screenshot:

Crypto Kartal openly states that it does not charge any withdrawal fees whatsoever. However, there is a caveat – it specifies that there may be circumstances in which fees will be incurred.

However, not all brokerages are as open with their withdrawal conditions as Crypto Kartal, and without proper information on the website, we cannot be certain whether clients won’t be charged with any unexpected withdrawal or deposit fees once they invest. This is why we advise traders to always put up only the required minimum deposit, instead of risking a bigger amount with no certainty. Afterwards, they may also try to withdraw a small amount in order to check for any unexpected fees or delays. Such fees and delays are usually the signs of a scammer.

How does the scam work?

Information is a pretty solid criteria for judging a brokers legitimacy. Scammers would not share much of their information, because precisely there inconsistencies and irregularities may appear which expose the whole set-up. A good example is this very broker and the lack of crucial information about the company behind it.

After informing themselves for the brokers trading conditions – traders should be well-versed in the way of the scam:

Through clicking an ad with promises for fast money, you will be redirected to a website such as Bitcoin Evolution or Crypto Revolt where registration will require you to give your address, email and phone number. After sharing your personal information, you will being receiving calls from brokers, compelling you to invest with them and win big. After a few minutes hearing their pitches, you decide to deposit some $200-250. And just like that – the scammers take a fat commission from this initial deposit.

After they are done with you, senior scammers begin working you into putting even more money. They say it’s the only way to profit from trading even more. After making the mistake of investing even further, you’ll begin wanting to get out of this and withdraw what you have left.

Unfortunately, the con-artists have no such thing in mind. They will now begin persuading you to wait it out and not withdraw right now. The motive here is quite straightforward – traders have a limited time window for filing a chargeback with their bank and get their money back. The “recovery department” will simply want to mislead you into missing this crucial period and, along the way, losing any chance you might have of getting the money back.

What to do when scammed?

As was mentioned above, scamming is quite the common in the trading world and, sadly, even you might suffer from it. In such an unfortunate case there still may be some available options for you.

You may contact your bank or credit card provider and file a chargeback. Furthermore, due to the high instances of fraud – both Visa and MasterCard have decided to sidestep scammers as best they can in forex trading. The first thing we have seen so far is that MasterCard has increased the previous time period of six months for filing a chargeback to a year and a half with their rival Visa expected to follow suit in December.

If, however, you have provided the broker with your credit card details, immediately cancel your credit card.

If you have given information regarding your online banking pass – you should switch it asap!

Beware of potential calls from self-described “recovery agencies”! They prey on scammed and vulnerable traders who are desperate to recover their losses. They will require an “up-front” payment to help you, but after paying them, no such help will be coming your way!

Blacklisted Brokers & Bots Scam

Blacklisted Brokers by the regulation authorities

Please note that all the brokers listed below are prohibited in Europe by the regulation authorities.
If you have been scammed by any of them and lost your money you should contact us for help.
In addition these brokers are in breach of European laws by accepting you as a client.

Auto-trading software confirmed SCAMS

Every website listed below has been categorized as SCAMS by our team due to a huge amount of complaints.
Please note that some review websites are paid by these scams to write positive reviews of them.
DO NOT trust any of them at any cost.

Risk Warning: Contracts for difference (‘CFDs’) are a complex financial product, with speculative characteristics, the trading of which involves significant risks of loss of capital. Trading CFDs, which is a marginal product, may result in the loss of your entire balance. Remember that leverage in CFDs can work both to your advantage and disadvantage. CFDs traders do not own, or have any rights to the underlying assets. Trading CFDs is not appropriate for all investors. Past performance does not constitute a reliable indicator of future results. Future forecasts do not constitute a reliable indicator of future performance. Before deciding to trade, you should carefully consider your investment strategies, level of experience and risk levels. You should not deposit more than you are prepared to lose. Please ensure you fully understand the risk associated with the financial product and seek independent advice, if needed.

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