![[PDF] Reconstructed Record of Deleted Nexo ToS Changes - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212.png)
A forensic reconstruction of deleted Swiss conciliation rights from Nexo AG’s Terms of Use, showing systematic efforts to obscure procedural access for retirement-age investors.
![[PDF] DFPI APR Misrepresentation - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-2.png)
Outlines how Nexo’s language misled users by describing a margin-based product as a “fixed APR credit line.” Supports misrepresentation and consumer protection claims under Swiss and U.S. law.
![[PDF] DFPI Risk Assessment Failure - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-3.png)
Shows Nexo’s failure to assess investor suitability or risk tolerance before placing them into high-risk leveraged products. Supports legal arguments under FINMA and SEC standards, especially concerning retirement-age investors and vulnerable parties.
![[PDF] DFPI APR Evidence - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-4.png)
Documents forensic screenshot evidence showing Nexo’s misrepresentation of APR-based lending while hiding margin liquidation risks. Demonstrates consumer deception with timestamped, hash-verified evidence, extremely valuable for journalists, regulators, and potential co-claimants.
![[PDF] DFPI Accredited Investor Reference - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212-5.png)
Explains the definition and limits of “accredited investor” status under SEC Rule 501. Clarifies that accreditation is not immunity from misrepresentation or lack of disclosure. Directly rebuts the argument that being “accredited” nullifies claims of elder or consumer financial abuse.
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