Private Placement Disclaimer

This document, the package of documents to which it is attached, and any securities to be conveyed in the transactions they describe, have not been registered under the Securities Act of 1933 (the “Securities Act”) or any other securities laws. Parties hereto must be prepared to bear their economic risk for an indefinite period of time because they have no public market. These securities may not be sold, offered for sale, pledged as collateral, or otherwise transferred, except under an applicable securities exemption. The purchase of the securities involves a high degree of risk and should be considered only by persons who can bear risk of the loss of the entire investment.

Important Disclosure

VCCross.com is operated by R.F. Lafferty & Co. Inc.. Securities related activities are conducted through R.F. Lafferty & Co. Inc., a registered broker-dealer and member FINRA/SIPC.  Venture Capital Cross and VCCross.com is a registered DBA "Doing Business As" of R.F. Lafferty & Co. Inc..  By viewing and using VCCross.com you agree to be bound by our Terms of Use and Privacy Policy. VCCross.com does not make investment recommendations.  Investing is risky, only invest funds you can afford to lose.  No communication, through this website or otherwise, should be construed as a recommendation for any securities offering on or off our platform. Securities on VCCross.com are offered pursuant to Section 4(a)(6), Regulation Crowdfunding and Regulation D and Regulation S promulgated under, the Securities Act of 1933, as amended. Regulation D offerings on VCCross.com are only suitable for accredited investors.  All company listings on VCCross.com are only appropriate for investors who are familiar with and willing to accept the high risk associated with startup investments. Securities sold through VCCross.com are not publicly traded and are not liquid investments. Companies seeking investments on VCCross.com through equity crowdfunding tend to be in very early stages of development with little or no operating history. Investors must be able to afford to hold their investment for an indefinite period of time, as well as the ability to lose their entire investment.  Securities offered on the VCCross.com website are offered directly by the issuers, and those issuers are solely responsible for the contents of any offering materials made available to prospective investors on the VCCross.com website. VCCross.com does not endorse any of the offering materials posted by issuers on the VCCross.com website, and prospective investors must conduct their own due diligence before deciding to invest in any securities offered on the VCCross.com website.

Reg BI "Best Interest" and CRS "Customer Relationship Summary"

The Firm is sending you the attached documents because we are a registered entity and are required to do so by the Regulators. Below, please find the Firm’s Customer Relationship Summary (“Form CRS”) as well as the Firm’s Additional Disclosure Letter. We are required to send these to you prior to making a recommendation to you regarding your potential investments. The attached information will provide you with details relating to our Firm and the relationship between the Firm, you, and the Firm’s Registered Representatives.   

FINRA Manual

The FINRA Manual keeps investment professionals up to date on all our official regulations. It outlines FINRA’s unique rules and guidelines, as well as our current corporate organization. It consists of two main components:

Our Rules
FINRA’s rules and guidelines ensure a safe and fair market. These rules are constantly changing to adapt to new developments in the industry. 

Our Corporate Organization
Over time, FINRA has undergone organizational transformations that have required formal administrative updates, including by-laws, Trade Reporting Facility (TRF) agreements and more. 

Explore the full FINRA Manual below. 

https://www.finra.org/rules-guidance/rulebooks 

Ownership Disclosure

VCCross.com domain name and the Venture Capital Cross brand, is owned by Currency Central Holdings, Inc. @ www.CurrencyCentralInc.com    

Risk Disclosures R.F. Lafferty & Co. Inc.