Client's money is held in designated client money trust accounts with approved banks in accordance with the *Corporations Act* client money provisions. FinClear maintains books & records at individual client level and performs reconciliations. However, as with any trust account arrangement, risks remain: bank counterparty failure, operational error, fraud, or regulatory enforcement freeze. FinClear’s legal framework, bank selection criteria, segregation controls, and insurance program are intended to mitigate (not eliminate) these risks. The CRP covers return, not principal protection.