ocscam part 3

In this post I will address to statements from onecoinscam.info page titled:

[size=200][url=http://onecoinscam.info/hyping-a-fake-cryptocurrency/]Ponzi System – Hyping a fake cryptocurrency[/url][/size]

[quote][b]A.1: Hyped predictions about the OneCoin price or value[/b]
The most important Ponzi element in this network is that new members are lured in with continuous [u][b][size=150]predictions[/size][/b][/u] about the development of the “value” or “price” of OneCoin and comparisons with the Bitcoin price.

The graph shows a prediction of the OneCoin price of 50 to 100 EUR in 2018
[img]http://www.onecoin-debate.com/haters/ocs_graph%20value.png[/img]
Note the hypocritical DISCLAIMER underneath the graph:

“DISCLAIMER: The price chart presented above is based solely on prediction – wheter these values will be reached depends on commitment and effort by company members
This forecast is based on the variables that determined Bitcoin’s value”
[/quote]
Ok so here you state how Onecoin supporters are predicting its value, they made a graph and you yourself pointed there is a DISCLAMER, explaining that that is just a prediction and that value will actually depend on the effort from members.

My question: Why is this wrong? Is it illegal? Any ICO out there has its project and goals and have their predictions. Those are PREDICTIONS, not promises. Onelife members that make promises of those are wrong. They need to learn, if not, they will be kicked out.

We can find many predictions from many credible people about how Bitcoin value will boom. Those can be also viewed as manipulation to lure small people to buy bitcoins. BUT THEY EVEN HAVE NO DISCLAIMER:

Examples:
[url=https://www.cryptocoinsnews.com/bitcoin-will-hit-1-million-5-10-years-says-paypal-director/]Bitcoin Will Hit $1 Million in 5-10 Years, Says PayPal Director[/url]
[url=http://www.cnbc.com/2017/05/31/bitcoin-price-forecast-hit-100000-in-10-years.html]Bitcoin could hit $100,000 in 10 years, says the analyst who correctly called its $2,000 price[/url]
[url=http://www.cnbc.com/2017/06/07/cramer-says-its-possible-bitcoin-could-reach-1-million-one-day.html]Cramer says it's possible bitcoin could reach $1 million one day[/url]
These are just 3 examples I linked but you can google "[url=https://www.google.rs/search?q=bitcoin+will+go+to+1+million&oq=bitcoin+will+go+to+mi&aqs=chrome.1.69i57j0.6089j0j7&sourceid=chrome&ie=UTF-8]bitcoin will go to 1 million[/url]" but that is ok by you because bitcoin is not a company so it can be used illegally wherever it wants to (Bjorn Bjerke's words)

Give me a break ;) Double standards

[quote][b]A.2: Promotion of overpriced “educational packages”[/b]
In July 2016 the “Ultimate Package” was introduced. It costs 118,000 EUR and contains the same 7 Levels of education as the Infinity package, which costs 27,500 EUR. You can find the table of contents for each educational package on the oneacademy.eu website after clicking the START NOW button of each module.[/quote]
You haters are very well known to only show and twist information that suits your agenda.
This was limited package and it was not even available for Europe. It was demanded by Asia users who wanted to have more onecoins since education was the only way to get onecoins. If they want to pay it, it is worth it. If you think it is overpriced, you will probably skip it.
Just like if you want to buy some NewCoin on its ICO you will pay for whatever you need for BTC or ETH in order to get as many NewCoins as you want. Also, most ICOs offer 20% bonus for the ones who enter ICO in earlier days and lower it to 0% in segments. So some people from the start of ICO got more NewCoins for the same money than some people from the end of ICO. Double standards guys.

Edit to this response thanks to CryptoXpose:
This package was introduced in July 2016 as a limited offer for Asia people. Although EU people could see those packages, they could not purchase them legally. This package was also reintroduced in February 2017 as a limited offer due to demand too.
Here is a screenshot of today's back office shop showing no Ultimate package cause it was a limited offer demanded by IMA leaders.
[img]http://www.onecoin-debate.com/haters/NOULTIMATE.png[/img]

[quote][b]A.3: Contradictions between OneLife Terms & Conditions and other documents[/b]
The OneLife Terms & Conditions (see §2, Version 24 April 2017) state this:

“The promotional tokens generated give access to the mining pools but not guarantee that and how many coins will be received”.
On the other hand the descriptions of Educational packages in the onelife.eu Gift shop (login required) contain texts like these:

“The Supreme Package will also guarantee priority trading rights in the internal practice trading platform.”
“… the Infinity package takes the trading and mining experience a step further …”
“Tycoon + traders are provided with 81 818 FREE tokens which are directly set to auto-mining feature and optimize the trading experience.“
This package is for those who want to bring their trading skills to the top level and seriously profit from mining and trading OneCoins.


On 7 November 2016 the www.xcoinx.com Exchange was announced:

“This will allow all OneLife Members to buy, sell and exchange OneCoins in a faster and greatly enhanced system. “
On 16 January 2017, so only two months later and without any prior warning, this exchange was closed for at least a year to prepare for the IPO / Initial Public Offering, planned in 2018 Q2. In flat contradiction with the product description, this means that selling OneCoins on the exchange is not possible anymore.

NB: when the exchange was open, less than 10% of the sell orders were successful, because the supply was much bigger than the demand.[/quote]
Every company makes ToS to protect itself from events that are out of their control. So when we look into this matter ToS has a priority than any advertised promotion. ToS is needed to remove any responsibility of the company in case of some tech problems and tokens can not be delivered in time. At the same time, with all the promotions, the company WANTS to grant you all free promotional material.
Also, until now, no one failed to receive his tokens so ToS turns out to be pure "just in case" protection.
Not sure if you guys ever read any of ToS from some huge global companies. They are full of such "responsibility protections".
Ok, some skeptics can twist it and say "oh the company is making it's get-a-way back door when they collapse scam". Such skeptics will, of course, pass this opportunity.

xcoinx was NEVER promoted as a permanent way that people will be able to sell onecoins. It was opened to test this platform for public use and is was closed when it was tested enough. YOu could see that OC value fluctuated a little bit back then, this was because of supply and demand. With limits on sale amount and limited transaction life they actually managed to keep a stable value of OC with so huge supply and low demand cause, 3 million people tried to sell coins to few thousands of IMAs who bothered to log in and buy OC. Most of them just left trading account to auto buy tokens. Imagine what will happen when few millions of users want to sell OC to the whole world. ;)
Of course, speculators will not like this and they will say it has no economic logic but to be honest, I agree with this method if we want stable value, not volatile. But I can not say what will happen with those limits when xcoinx starts public trading. I personally hope limits will stil exist.
Hell, let's find 1000 people that will want to sell 1Million BTC at the same exchange. Not gonna happen ;)

[quote][b]A.4: Announcement of IPO / Initial Public Offering[/b]
In bold we hightlight the most striking quotes, followed by our comments.

“OneCoin is going public in the second quarter of 2018, and we want the coin to be open to everyone willing to buy and sell OneCoins.”

OneLife members are kept in the air for 15 months. In the meantime selling of OneCoin is not possible anymore.[/quote]
What is wrong with this other than, apparently, you misunderstanding? It is a fact that currently onecoin can not be sold. If you reffer to former internal platforms, I need to remind you that they were never promoted as permanent way you can sell coins. In the start it was just for practice, later to test xcoinx for public use. And they want to push onecoin public so anyone can buy and sell onecoin. I don't see anything wrong with it.

[quote]“Our goal is to become the first fintech, cryptocurrency and e-commerce company to be listed on a stock exchange.”

Compare this with Par. 2 of the Terms and Conditions and the contradiction is obvious:

“(1) The Company is a software and technology corporation that sells high-quality products and services such as training and continuing education courses, cloud services, other digital and material goods and services (hereinafter referred to as “Goods”) on the international markets.”[/quote]
Ok so you contradict their current state and their goal? How is it wrong for anything to contradict present state and future goal?
Wouldn't it be strange if their goal matched current closed state? It is actually good that they want to develop project to the end.

[quote]“The only way to be part of the IPO is to hold OneCoins.”
For regular OneLife members the only way to get OneCoins is by buying educational packages and submitting the “promotional tokens”.

“You will be able to exchange these OneCoins over the next months for so-called OFCs.”
We tried to determine what OFCs really are, but we did not succeed. This all looks like smoke and mirrors. [/quote]
Again, we can only respect companies decisions, at least people who are already involved. For new people, it will be their own choice.
They can buy education, get some onecoins with it, and then exchange some or all onecoins to OFCs to be a part of IPO of the company that has several millions of users. Of course, company distanced itself from OFC "value" with ToS. Why do you keep baching ToS, it is needed.
We all know this is very risky project and it might not succeed. The company is protecting itself in case of angry people who understood they were promised anything. It is good, but skeptics will, of course, be scared away. That is all totally ok.
Since you do not understand what OFC actually represent let me try to explain my vision of them:
Those are future certificates that will be a proof that you need to own some stocks once the company is listed on the stock exchange.
In order to list on a stock exchange, the company needs to find a bank and regulatory body to list them. That is long and paper consuming process. Once bank determines number of stocks and value, we will know the value of our OFC cause only then we will know how any stocks we will receive for x amount of OFC.We will know more about it next year. In the meantime, you are entitled not to understand what this is.

[quote][b]A.5: Attempt to bypass Consumer Protection Laws
In many countries consumers, contrary to businesses, are protected by strict laws.

While many of the IMAs (Independent Marketing Associates) are private persons without a business/company, the OneLife Terms and Conditions and OneLife IMA Agreement explicitly try to bypass the Consumer Protection Laws for all IMAs.

OneLife Terms and Conditions
§3 General prerequisites
(1) Services may only be provided to legal entities, partnerships or individuals provided that they or their managers are entrepreneurs and are at least 18 years of age and are not present or former company’s employees or their respective spouse/lineal ascendants or descendants/affinity and collateral relatives up to forth degree. No Services may be provided to consumers.
§4 The status of IMAs as entrepreneurs
(1) In this business relationship, the IMAs are acting as independent, autonomous entrepreneurs.
§5 Notice concerning the voluntary right of revocation
IMAs are registering in ONELIFE NETWORK as an entrepreneurs and not as a clients and therefore do not have the statutory right to revoke the IMA Agreement.[/b][/quote]
Basically, here states that the company will provide a service only to certain people who will be recognized as registered businesses or individual entrepreneurs that are solely responsible for paying their taxes to their company. The company will not work with end users (consumers).
IMAs will work with them and it is their responsibility to take care of their paperwork. It is normal MLM company routine. No MLM company sells products directly to consumers. You need to buy a product from IMA, or become an IMA in order to buy products directly from the company.
That has nothing to do with avoiding local consumer law cause IMAs obey to those laws as well as tax obligations.

[quote]OneLife IMA Agreement
14. PRODUCT ORDER/SALES & RETURNS
IMAs are registering with the ONELIFE NETWORK as an entrepreneur and not as a consumer and therefore do not have the statutory right to revoke this agreement. Nevertheless, the Company is voluntarily granting you a right to rescind this agreement within two weeks.[/quote]
Ok, so here they say, since entrepreneurs can not avoid this agreement as consumers would, they still allow you to cancel it after 14 days.
Strange how you can twist generous stuff into bad ones :)

[quote][b]A.6: Attempt to bypass Financial Regulations[/b]
Many countries have strict laws and regulations concerning the promotion and sale of financial products. The OneLife company tries to bypass those laws by asserting this in the Terms and Conditions:

“For the packages Infinity, Premium Trader, Tycoon Trader, Executive Trader, Pro-Trader, Trader and Starter the content is educational material.”
At the same time:

1) The Onelife company uses the OneCoin symbol in the centre of a picture of the “OneLife ecosystem”.
2) The OneLife company presentation promotes this (fake) OneCoin cryptocurrency with the goal to become the Number 1 cryptocurrency in the world.
3) In the new Dealshaker webshop at least 50% of the deal price must be paid in OneCoins.
4) One of the highest ranked company representatives, “Master Distributor” Sebastian Greenwood, states at an event “Coin millionaires is what we create. […] Network commission is not the purpose of this company”.
5)The “About” section of the onelife.eu website states: “VISION: Our vision is to provide alternative payment solutions and equal access to financial education to people worldwide. OneLife Network makes financial transactions and trade safer, easier, and available to everyone on the web“[/quote]
Oh but those education packages ARE educational material and buyers are paying only for them, not the onecoin. But some countries (like Germany and Austria) are still recognizing it as a financial instrument so the company needs to obtain a license. That is good they will obtain it and be ready for public trading. This might delay IPO though.

1. Who says the company can not use Onecoin logo as it is actually making a private cryptocurrency bigger and closer to being public.
It is similar to other ICOs, where they use their logo, their vision, they promote their project and they make their predictions. But at the same time no one pays for anything under that logo, they PAY for BTC or ETH and in exchange to them they get ICO coin. Double standards guys.
2) Indeed, it is promoted as a goal. It is the goal if you missed it.
3) Sure, Dealshaker is advertising platform and merchants who want to use it need to accept 50% in OC. Since merchants are constantly coming in, they like it. Maybe this will attract government to ask Onecoin to obtain a license. That it not a bad thing. At least they can, who can obtain license for Bitcoin ;)
4) Yes that is true, they make onecoin millionaires. It means they have million+ of Onecoins. Not euro or usd.
5) What is wrong with that vision, it is a goal the company is going to and dealing with obligatory issues along the way. You do know cryptocurrency is not yet regulated. At least Onecoin is making it possible to regulate ;)

[quote][b]A.7: OneLife Network / OneCoin dedicated to provide access to financial services[/b]
The OneLife Press Room contains this Question and Answer which explicitly claims the purpose to provide access to financial services:
“The OneLife Network is a growing global network that was born out of the OneCoin cryptocurrency brand.”
“When mining OneCoins, users become part of a global network of millions of OneCoin miners, called the OneLife Network. “
“Since its establishment in 2014, OneCoin has been dedicated to creating a coin suitable for mass-market usage that is in line with its vision to provide access to financial services for everyone. “[/quote]
Yes, the company is working to make a cryptocurrency that will provide mass-market usage (thing what other CC can not do). That is a vision, no primises or guaranties so not a part of ponzi. If you disagree with the vision you will pass.

[quote][b]B. Quotes, Presentation Slides and Screenshots which prove the hyping of the OneCoin cryptocurrency, instead of the sale of educational packages[/b]

Dr. Ruja Ignatova, November 2014, Kuching. Malaysia (YouTube link)
“So if you ask me what is the smartest thing to do. Of course everybody has his own way and his own strategy and how he makes money. But what I would do is, I would buy a package, get as many tokens I can, split and then buy the coin, because the numbers and the money that you will make, of course you will make money from the bonuses and I’m sure this is exciting and good, but the real profit will come from the coin. Just think about the guy with the $27. I don’t promise you for 27 dollars 800,000 euro, because this is not something that I do, but I see this perfectly reasonable that our coin is next year, one year after mining, somewhere between 2,50 euro or 5 euro.”[/quote]
First of all, I don't understand why you guys think it is bad or illegal to sell education packs and give coins for free. I mean you agree to pay for education meaning you agree with its value. And if you want to buy several of the same education packs just because you want onecoin that is fine. your decision. And this paragraph looks like an answer to someone who asked about what strategy for education packs would she use.
She also compares it with Bitcoin success, why not, why could not Onecoin also succeed. She does not promise that though as that would be bad:
 " [i]I don’t promise you for 27 dollars 800,000 euro, because this is not something that I do[/i]"
She has right to have an opinion or prediction where OC will go. If you disagree with her, you will pass. It would be strange is a founder of a project would be skeptical of her project success ;)

[quote]Sebastian Greenwood, November 2014, Kuching. Malaysia (YouTube link) - link broken
“The Tycoon package is the 5,000 euro package. This is the most sexy package. This is the one where we actually really can profit.
Now it does not mean you cannot start this business on a small package, yes you can. You can always enter the barrier to enter into the cryptocurrency market low, because of OneCoin, this opportunity. However the Tycoon package, I like this calculation very much, it comes with these so-called free tokens and these tokens are in the package as a standard 60,000 tokens, okay. So 60,000 tokens is what we get.
Now what we can do with these tokens are a few things. We can trade these tokens, recover some of the costs for the package, we can do that. We can keep the tokens, let them split or double. But that’s what happens in the internal exchange, once the price is going up, there will be a split or double, so we get double the amount of the tokens in the package. That means that between eight to twelve weeks we should expect a split of the token. Now if I put 5,000 of my hard worked money and bought a Tycoon package, after eight to twelve weeks that’s double in value because of the split.”[/quote]
This is a statement from 2014. Back then there was internal platform where people could practice trading with 40% of their money earned through the commission. So if you buy tycoon, you choose what will you do with those 60000 tokens. Maybe you want to sell some of them on internal exchange to recover some cost, or you can wait for them to split and receive more numbers of coin. Why is this bad? He is explaining possibilities of what you can do with your tokens that you get for free with education. You don't like your possibilities of token use? You will pass.
It is normal to explain and promote private cryptocurrency part of this opportunity.

[quote]Sebastian Greenwood, November 2014, Kuching. Malaysia (YouTube link)

“So obviously after some time I realized I should have as many Tycoon packages as possible. Not because it’s like expensive to invest it, but because it makes me a huge return, that’s the whole thing.

Now one Tycoon package coming all the way through the coin through the mining process, it’s not a tedious proces, it’s a very simple process, it’s a step-by-step approach. However in a basic mathematical calculation 60,000 tokens becomes 240,000 tokens. We start mining the coin for five tokens per coin. Now if we make sure that we mine all those tokens, or those coins through the tokens, we will come out with minimum 48,000 OneCoins. That’s quite nice, 48,000 OneCoins.

Now can you imagine if we are 500,000 people globally, because that’s my ambition, I want to build a mining network of half a million people worldwide who can touch this coin to make some profit.
Can you imagine how quick the price of this coin can go, up because of the amount of people that we are.[/quote]
Again very old text from 2014. Things are very different now :) Just read what was their goal, to have 500k miners? We are sitting at 3.2mio now. They changed story a bit cause they see people are more interested than they anticipated.

[quote]Sebastian Greenwood, Kari Wahlroos, 11 June 2016, Coin Rush Event, London (YouTube link)
Sebastian Greenwood: But the most interesting thing is not the network commissions, because we can join any company and try and do our best.
What’s interesting is, how many coin millionaires can we create. Okay, that means the value of the coin multiplied by how many coins you have[/quote]
This is becoming boring. It is clear that everyone joins this opportunity because they believe in Onecoins and that is important to everyone. You seem to mix up two things "we only sell education" and "we are creating mass market cryptocurrency". It is true that the only product that is being SOLD is education, but it is also true that it grants you exclusive access to Onecoin cryptocurrency. Why do you think they could not just make standard ICO accepting only BTC or ETH, I mean they can cash them out too right? But it is better to educate people about cryptocurrency and then make them access to it. If you want to join because Onecoin is important for you to have, then you will buy education. In opposite, you will pass.
The same with any ICO, if you like a project, the vision, you ask "what do I have to do/buy to participate ICO. The same here. It is education in this case that grants you Onecoin access.

[quote]Dr. Ruja Ignatova, 11 June 2016, London (YouTube link)
“This network was created to become and to fuel the growth of OneCoin, which I strongly believe will be the number one cryptocurrency worldwide.”[/quote]
True, network is created to direct sell education and this way promote Onecoin. Nothing new or strange.

[quote]Ruja Ignatova introducing the Tycoon+ and Ultimate Packages, 25 July 2016 (YouTube link)

“Second package we’re launching, most probably most interesting for the Asian markets, and we have been asked for it, it is a big package called the Ultimate Package. This package is 118,000 euro and it has 1,311,111 tokens. So what is special about this package, except being so big? Of course it’s amazing that it has a lot of tokens and a lot of coins will come out, but it is actually the same features as the Infinity Plus package. So you can use it in the Super Combo as an Infinity Plus package. The coins will get interest in the Coinsafe, but what we will do for this package, and only for this package, we will give all the seven splits when the new blockchain is switched on. So it means you’ll get all the seven splits immediately and this package will generate over two million OneCoins … TWO million OneCoins. This most probably is the best package for anyone who wants to maximize the OneCoins, who wants to get a good mining difficulty now and actually work on a strategy to have and collect as many coins as possible.

[i][u]This has nothing to do with the sale of educational packages, it is patently obvious that this is investment advice.
[/u][/i][/quote]
I wrote above about this package and here you proved me right. She said it her self: "we have been asked for it"
Onelife IMAs asked for that package. Seems like bigger people from China were interested into obtaining even more Onecoins with one package so they were granted their wish.
Again you twist generosity into a bad thing. Also your words "this was investment advice" are not true, this shows how shallow you are in understanding words that people speak. But that is because your mind is so closed and biased that you see every sentence with your mind set.

[quote]Dr. Ruja Ignatova gives advice on Split Strategies, 25 July 2016 (YouTube link)
“Hello, this is Dr. Ruja Ignatova and today I would like to speak to you a bit about strategy. What is the right thing to do, should I put my tokens into mining, should I wait for the splits, or should I wait for the coin doubling on the first of October. ”
2m52s:“So if I may give somebody an advice, put your package on auto-mining. And we all know which packages are on auto-mining, it is the Premium Trader and the packages above.”
4m32s: “I would say the best strategy for everybody who has less than four splits to go should be, submit before the first of October the tokens into mining, profit from the coin doubling and from the low mining difficulty. However, also I believe strongly if you want to maximize your coins and your tokens, try to get yourself on an auto-mining package. It is simply the best thing because you double the coins and you continue splitting.”

[i][u]This has nothing to do with the sale of educational packages, it is patently obvious that this is investment advice.[/u][/i][/quote]
She clearly gives her advice on split and token use strategy. How can this be an investment advice?
It is clear what do you need to buy to obtain those tokens. She only explains what she would do with all those free tokens. Why is that bad?
It would be bad not to say anything about it and leave people in the dark. She obviously wants users who believe in Onecoin to put tokens to the best use possible.

[quote][b]Contradictions between Terms & Conditions and other documents[/b]
The OneLife Terms & Conditions state this:

For the packages, Infinity, Premium Trader, Tycoon Trader, Executive Trader, Pro Trader, Trader and Starter the content is educational material. The promotional tokens generated give access to the mining pools but not guarantee that and how many coins will be received. The total number of coins mined can be subject to change according to the Company’s strategy. Clients are not entitled to sell or buy coins on the internal exchange. Orders are executed based on demand and supply.
Supreme Package: The Supreme Package will also guarantee priority trading rights in the internal practice trading platform.[/quote]
There is a contradiction in this sentence: "Clients are [size=150][b]not[/b][/size] entitled to sell or buy coins on the internal exchange"
Maybe this "not" is a mistake but the sentence is unclear. Either way, the internal exchange was just a practice test, it does not exist anymore and this is not so important.

[quote]OneLife Newsletter, 6 March 2017
During a couple of weeks the special Power Pack was promoted.

“It gives you a total of 531 818 Promotional Tokens, 6/7 Splits (depending on your choice of Infinity Package), 48 750 BVs and access to all 7 levels of OneAcademy!
This is a combination of three packages: Tycoon+, Premium and Infinity. The OneLife Terms & Conditions state that the content for these packages is educational material.

[i]With this in mind it is nonsensical to combine the Infinity Package, which on its own contains all 7 levels of OneAcademy, with a package which offers levels 1 till 6 (Premium) and an package which offers Levels 1 till 5 (Tycoon+).

It is patently obvious that this is just a trick to let members pay “double” for the educational material to get more Tokens and more OneCoins.[/i][/quote]
This is again the point of view where you seem to understand that Onelife is only about Education. No, The only product that is sold is education. It matters to educate people. But Onecoin is the reason why people buy education in the first place and there is nothing wrong or illegal with that.
If you think there is, you will pass.

[quote]Compliance Rules

A recent document with title Compliance rules in the onelife.eu backoffice
contains the following text on page 30:

- We are selling educational packages and give the MAs an opportunity to apply the knowledge about the cryptocurrency into practice by providing them some promotional tokens which give access to the mining pools but not guarantee that and how many coins will be received.
- Tokens provided when activate the particular package are promotional ones and give the opportunity to IMAs to apply their knowledge about cryptocurrencies they have acquired from our online education into practice.
- Remember: no one buys OneCoins or tokens[/quote]
Ok, here is what you guys miss to refer to when relaying those arrest and investigation news yet now it is also bad. Make up your mind.
This is the company teaching IMAs how to promote what they sell. They sell education, not tokens or onecoins. No guarantees must be made.
This way, buyer will exactly know what he will pay and he will be aware of Onecoin risks or possibilities.

[b][size=150]CONCLUSION:
Seems like most of the points in your text is made by a mind set that thinks Onelife only promotes education and it is unclear to you that it is ok for people to actually buy several of the same education packs just to have more onecoins. If people want to do it, they can do it.
It is only important for them to be properly informed about what they are paying for and what are the risks, meaning no guaranties must be made, no promises about any profit from onecoin. Predictions and being optimistic are natural things for people who promote project but seems like not for haters :)[/size][/b]