# Risks The Kairos team makes every effort to ensure maximum security, whether from a technical or user point of view. As with all applications, risks must be taken into account, here are the main ones identified (non-exhaustive list): Technical risks: * smart contract risk * phishing risk Risks associated with use: * Backing a loan on an NFT that loses its value below the price of the loan resulting in a capital loss. * Not repaid loan and loss of an NFT It is advisable to do your research before using the Kairos Loan protocol and to understand how it works. By using the protocol you agree to take the risks involved. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://userdoc.kairos.loan/faq/risks.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.