Annex W: Health Impact of Nexo AG-Induced Financial Abuse

Title: Health Impact of Nexo AG-Induced Financial Abuse

Author: Joe L. White, Jr.

Date:  July 14, 2025

Reference: Conciliation Request – Nexo AG, Canton of Zug

I. Overview

This annex documents the personal health consequences arising from Nexo AG’s actions against the claimant. It is submitted in support of both moral damages claims and any mediation or enforcement action that considers proportionality, personal harm, and extended liability under Swiss law (ZGB Art. 49, CO Art. 398).

II. Current Medical Impact

Following the March 2023 forced liquidation of the claimant’s retirement savings:

• The claimant experienced stress-induced cardiac symptoms requiring emergency room treatment;
• Cardiac evaluation led to a prescription for daily heart medication (heart rate reduction and blood thinner);
• Ongoing cardiology review is now part of claimant’s daily life, and medical reports explicitly associate the cardiac episode with severe psychological stress linked to financial insecurity and the loss of long-term savings.

III. Personal & Family Risk Factors

The health implications are aggravated by known family risk history:

• Claimant has a documented family history of suicide, including a close relative who suffered a mental health crisis triggered by financial trauma;
• Due to these risk factors, claimant’s physicians have issued guidance to avoid re-triggering psychological stress conditions that can intensify cardiac vulnerability or lead to emotional destabilization.

IV. Broader Relevance

Under Swiss civil and fiduciary principles:

• ZGB Art. 49 recognizes moral damages for emotional harm and health injury resulting from unlawful or negligent conduct;
• Financial service providers have a duty to avoid foreseeable harm, especially in vulnerable populations (CO Art. 398);
• Emotional, physical, and financial risks cannot be compartmentalized when analyzing retirement-age victims of data obstruction and forced liquidation.

This annex presents Nexo AG’s conduct as a multi-dimensional harm with cascading effects, economic, emotional, and physical, and therefore demands more than technical remediation. The impact on the claimant is total: financial exhaustion, loss of retirement, and now, medically documented trauma.

V. Summary

Statement of Intent

This annex is submitted in support of a good-faith civil conciliation request under ZPO Art. 202–204. The claimant asserts that the conduct described herein warrants regulatory attention and damages due to misrepresentation and unsupervised financial intermediation. No proprietary platform information is disclosed, and all references are based on claimant usage, public materials, and industry guidelines.

Disclaimer

This document is submitted in good faith, based solely on the claimant’s personal experience and publicly available facts. No confidential or privileged information has been disclosed. All statements reflect the claimant’s beliefs or recollections unless otherwise indicated. Names of third parties are anonymized or redacted where not publicly implicated. The purpose of this release is transparency, accountability, and resolution not defamation or harm.

Legal Context Note

This annex was authored solely by the claimant as part of a lawful civil conciliation filing under Articles 202–204 of the Swiss Civil Procedure Code (ZPO). It does not contain any confidential statements made during the conciliation hearing, nor does it disclose settlement terms or other protected materials governed by ZPO Art. 205.

The annex is based exclusively on:

• Personal experience,
• Publicly available information, or
• Facts the claimant is legally entitled to share.

Its purpose is to document the legal and factual basis for the claimant’s grievance, promote transparency, and serve the public interest where legal oversight may be insufficient.

The annex adheres to Swiss privacy and defamation standards under ZGB Art. 28, the Data Protection Act (DSG), and applicable banking/professional secrecy provisions (BankG, StGB Art. 321).

It is not an official court document, and no information disclosed herein was obtained through the hearing process.