1. Status of this document

This Jurisdictional Disclosure Matrix is a counsel working draft. It summarizes common mandatory disclosure themes for Switzerland, the EU/EEA, the United Kingdom, and the United States. It does not assert that Ohana Capital is authorized in any of these markets, and it is not a substitute for local legal advice.

Use this matrix to brief counsel on what must be added, removed, or localized before any live solicitation or onboarding in a market.

2. Cross-cutting rules (all markets)

Until a market is approved:

• Do not claim a financial-services license that is not held.
• Do not accept client money or custody.
• Do not present simulated balances as safeguarded client assets.
• Keep Risk, Terms, and Privacy versioned and accepted where required.
• Maintain accurate entity identity (Ohana Capital AG, Zürich, UID CHE-114.729.131).

3. Switzerland (CH)

Theme	Typical expectation	Ohana Capital status / action
Entity identity	Clear Swiss company particulars	Published in Legal Center / brand constants
Financial-services perimeter	Assess whether activity is banking, securities, or FinTech-regulated	Requires counsel opinion before live services
AML	Due diligence proportionate to activity	Procedures documented; automated sanctions screening still a gap
Data protection	Swiss FADP alignment	Privacy Policy baseline; counsel review needed
Marketing	Avoid misleading performance / license claims	Claims verification script + trust positioning

4. European Union / EEA

Theme	Typical expectation	Ohana Capital status / action
MiFID / investment services	Authorization or exemption analysis	Not claimed
MiCA / crypto-asset services	CASP assessment if crypto services go live	Not claimed
GDPR	Controller identity, legal bases, rights, transfers, DPA inventory	Privacy + Vendor Schedule; confirm SCCs / transfers
Distance marketing / consumer info	Pre-contract information if B2C	Add if consumer onboarding is enabled
Cross-border passporting	Only with correct authorization	Not available currently
Risk warnings	Clear, prominent, product-specific	Risk + Margin + Staking docs exist

5. United Kingdom (UK)

Theme	Typical expectation	Ohana Capital status / action
FSMA perimeter / FCA authorization	Required for regulated activities	Not claimed
Consumer Duty / fair-value (if applicable)	Outcomes, communications, support	Review if UK retail is targeted
UK GDPR / DPA 2018	Privacy disclosures and transfers	Align Privacy Policy UK addendum with counsel
Financial promotions	Approved promotion rules	No UK financial promotion claimed
Complaints / FOS	Scheme membership where required	Add only if authorized firm status exists

6. United States (US)

Theme	Typical expectation	Ohana Capital status / action
Broker-dealer / ATS / exchange	SEC / FINRA / state registration analysis	Not claimed; do not present Form CRS unless a registered BD
Money transmission / custody	State MTL / trust / banking analysis for fiat movement	Blocked while external settlement disabled
Crypto classification	Securities / commodities / money-transmission analysis	Product-by-product counsel review
Privacy	State privacy laws (e.g. CCPA/CPRA) where applicable	Privacy Policy baseline; add US state addendum if targeting US residents
Marketing	No false awards, guaranteed returns, or fake regulation	Claims controls in place

7. Local addendum method

When a jurisdiction is approved, counsel should deliver a short Local Addendum covering:

1. Regulatory status wording (exact authorized language)
2. Client-money / custody wording
3. Complaints / ombudsman details
4. Mandatory risk language
5. Tax / reporting notices if required
6. Language and governing-law interactions with master Terms

Addenda should be versioned in the Legal Center and linked from Terms § acceptance.

8. Related documents

• Entity and Licensing Scope Framework
• Client Money and Custody Framework
• Service Relationship Summary
• Privacy Policy
• Complaints Policy