> For the complete documentation index, see [llms.txt](https://docs-whitepaper.gitbook.io/nexfi-wallet/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs-whitepaper.gitbook.io/nexfi-wallet/10.-legal-and-compliance.md).

# 10. Legal & Compliance

#### 10.1 Regulatory Framework

Registered MSB in the US, e-money license application in the EU, and VAR in Australia.

#### 10.2 Risk Disclosures

Crypto volatility, regulatory changes, counterparty risks—users must review our full risk statement.

#### 10.3 Data Privacy

GDPR & CCPA compliant, user data encrypted at rest, no third-party sharing without consent.