FAQs

You can retrieve your username and password by using your e-mail. It is strongly recommended to change your password after it has been e-mailed to avoid stealing and misuse of your data. Alternatively, you can Contact our Support Team.

In this situation we strongly recommend to change your password as soon as possible. As an emergent alternative, you can Contact our Support Team and we will temporarily or permanently block the access to your account. Kindly note that the security of password is the personal responsibility of each user, therefore the Platform cannot be liable for an unauthorized access to your account in this situation, as well as for any damage caused by misuse of your investment account (ex. unsanctioned operations) or your personal data.

We recommend contacting our Support Team, providing us with as detailed information as you can, including the possible time and place of misuse of your data as well as the date and time of your last login, etc. We will try to check if there were logins from other places/devices; however, not always it is possible.

For security purposes, it is strongly recommended to immediately change your password in case of such suspicions, as well as to change it as a precaution periodically.

Kindly note that the security of password is the personal responsibility of each user, therefore the Platform cannot be liable for an unauthorized access to your account in this situation, as well as for any damage caused by misuse of your investment account (ex. unsanctioned operations) or your personal data.

Your electronic data is stored on a high security server, corresponding to data protection level as required by financial institutions, maintained by a professional service provider, with regular mandatory automatic data backup process and reserved data copies, stored on several other servers separately.

Hard copies of documents are stored in a safe with strict access control.

All data is handled in strict accordance with the mandatory requirements of General Data Protection Regulation (GDPR) of the EU.

Chief Technical Officer (CTO) has full access to your profile for emergencies with strict limitation of cases and situations when it can be executed, as stated in our internal policy

Platform operator has a limited access to your profile to the extent it is necessary to execute daily operations of service and maintenance.

All employees and officers of our company have signed strict confidentiality agreement and have been duly instructed concerning data protection issues. In no circumstances, excluding for binding requests of state law enforcement authorities or enforcement of legal or contractual obligations you have been informed about, your data will be disclosed to third parties.

For more information regarding personal data related issues, please read our Privacy Policy.

Yes. It is the responsibility of Platform users to always provide copy of valid passport or ID. Also, it can be simply demonstrated via the digital distant client identification software, provided by our partner, Veriff.

Due to AML requirements, we are not allowed to delete your user profile and personal data, except for the case if no settlements between you and Platform (by means of bank wire transfer or payment systems) have been made. If any single transaction occurred, all we can do on your request is to deactivate your profile which means a complete block of access to your account and your personal data. However, your personal data will remain permanently stored in accordance with our GDPR and legal requirements to be retrieved by state law enforcement authorities upon their request if such a necessity occurs.

No, you can’t. Please note that your username (as used to log in to the Platform) is your valid email that is verified during your first registration and remains permanently for emergencies, ex. password retrieval. 

Yes, you can, but please note that your data should always be correct and accurate. That means, for example, that your telephone number or place of residence can be easily changed, but to change your name or family name is only possible provided that a new identification document with another name is issued (in this case a new ID should be provided to the Platform in due course). There will also be data that may not be changed at all, like your date of birth.

Yes, you can. However, please note that only e-mail used for internal communications with the Platform and our support service can be changed. The e-mail used for account registration and used for login cannot be changed – in this case you will have different e-mails for login and emergency (ex. password retrieval) and the other – to be used for regular internal communication.

On the front page, you will see your name, surname and unique user’s identification number as well as your account balance. In section “settings” there will be your contact details. Here you can also find all our politics and procedures, samples of documents, and electronic copies of signed loan agreements. In respective sections, you will find your active investments with a prospective payment schedule, repaid investments, money on hold, pending withdrawals. It is also possible to see or download your account history (in the form of statement) or income statement for tax purposes.

It is a random 12-digit number, generated by our system during user’s registration by credit card principle. To verify your identity, as well as for security purposes, it should be always copied into the field “Purpose of payment” when you make a bank wire transfer of funds or payment via payment institution to the Platform’s account. For your convenience, it is always stated on the top of your investment profile in the front page and repeated as a reminder in section “Add funds”.

No, there are no direct or hidden fees for investor’s profile/account maintenance. Should such fees be introduced in future, the Platform will inform the users in due course; however, at the moment we have no plans to introduce such fees.

The purpose of investors categorization is to protect their interests by limiting their access to risky transactions in case of lack of professional experience. We categorize investors in order to be compliant to the prospective EU Regulation (CF) that may impose different limits on transactions; so far there is no difference between our approach to investors depending on their experience though.

According to the definition provided by the Committee of European Securities Regulators, the following groups of investors are recognized as professional investors:

• Entities which are required to be authorised or regulated to operate in the financial markets;
• Large companies and partnerships
• Other institutional investors whose corporate purpose is to invest in financial instruments

However, the investors that do not fall into the above mentioned groups may be treated as professionals on request, provided, that, as a minimum, two of the following criteria are met:

• The investor has carried out transactions, in significant size, on the relevant market at an average frequency of 10 per quarter over the previous four quarters;
• The size of the investor's financial instrument portfolio, defined as including cash deposits and financial instruments exceeds 0,5 million Euro;
• The investor works or has worked in the financial sector for at least one year in a professional position, which requires knowledge of the transactions or services envisaged.

Kindly note that by default all registered users of our Platform are acknowledges as retail (“ordinary”, non-professional) investors. If you wish to be recognized as a professional investor, you will need to provide the documents, confirming your compliance to professional investor status. Please contact our support service for more information.

You can do it through your investor profile settings. By default, you will get confirmations of investments made in the pool and the change of the status of the funds frozen from “Money on hold” to “Real investment” and get a notification on your account balance on weekly basis. You may switch on or off these notifications as well as to subscribe/unsubscribe from news.

Please note that you will also be informed by e-mail about any significant changes in our policy, pricing or other terms and conditions.

You can check your account balance at any time by logging into your personal cabinet. The account balance is displayed right on the front page and always visible to the user. Please see your account history for more information.

You will also be notified about your current account balance by e-mail once a week unless you switch off this notification in your account settings.

Sure, you can display your account history on your monitor or download it in *pdf format like ordinary bank account statement for the selected period of operations from a respective section in your personal cabinet.

At the moment, there are two options available for our investors to fund their investment account: via bank wire transfer or using the services of payment institutions. Please note that we accept funds only from duly licensed credit and payment institutions of EU member states, Norway, and the UK. A detailed instruction is available in your personal cabinet, section “Invest”, but the two most important rules are that (1) The payer should be the same person as Platform account user; and (2) As the purpose of payment, you need to  specify your unique user’s ID assigned by the Platform which is visible on the top line of the front page in your personal cabinet and also provided for in payment instruction.

Kindly note that if you are generally using payment system services, you will anyway need to verify your bank account for money withdrawals. Verification is done by transferring any amount (even 1 EUR) to Platform account, specifying your ID. As soon as your bank wire transfer is processed, the system will assign your IBAN to your user’s ID and you will be able to use this verified bank account for withdrawals.

Yes, you can use as many bank accounts or accounts opened with payment institutions as you like, provided that the accounts are open with duly licensed credit and/or payment institutions of EU member states, Norway, or the UK.

No. So far, the option to fund your account with a bank card is not available, but we are planning to add this payment option in future.

The funds received on the bank account of the Platform are processed (distributed by the system to investors’ accounts) within a few working hours next to the moment of reception of the funds. We process the bank statements several times on business days. Thus, your funds will appear on your investment account on the same day when they are received on during the next business day as latest.

The total time from the moment when the transfer is made and the moment when the funds appear on your investment account depends on the time of bank-to bank transfer and is out of our control, however, generally, within European countries it is up to 2 business days. Payments made via payment institutions may reach us faster; however, we recommend to contact your payment provider directly for more information.

Please note that distribution of funds and their appearance on your investor’s account does not mean physical relocation of money from the Platform’s account. The funds will remain on our account until an investment pool is completed when an according amount is transferred directly to the project owner. The appearance of funds on your investment account and their relocation according to the operations you make is ensured for accounting purposes, and your investment account on the Platform is not an analogue of bank account or an account open with a payment institution.

The funds are physically located on Platform’s investment account (open with a licensed payment institution). This account is segregated from the account used for the Platform operations.

Your funds will remain on Platform’s investment account until an investment pool is completed when an according amount is transferred to the project owner.

No. Due to AML considerations, it is absolutely excluded and prohibited. The payer should always be the same person as the registered Platform investor, which means a full coincidence of name(s) and surname(s) for individuals and name and registration number in case of legal entity. If we receive a payment from a third party, the money will be immediately transferred back to the sender, if not blocked by the bank. The Platform also reserves the right to inform the banks on suspicious transactions that will be recognized as such on our own discretion.

In this case, provided that it is made from an account open with a duly registered credit or payment institution of EU member states, Norway, or the UK by registered Platform user (with a full coincidence of name(s) and surname(s) of the payer and user in case of individual and name and registration number in case of legal entity), this transaction can be processed manually by our operator. However, please note that a) the processing of such transaction may take more time, as it doesn’t happen automatically; and b) you may be contacted by our operator or AML specialist in case we have doubts concerning your identity or other concerns (for example, if there are more than one user with the same or similar name registered on the Platform). In this case please be ready to provide additional documents or information upon our request, otherwise the funds will be transferred back to the sender. The Platform also reserves the right to inform the banks on suspicious transactions that will be recognized as such on our own discretion.

As all operations on the Platform are carried out in euros, and so are the settlements between the Platform and the project owners and all loan agreements are made in euros, it is recommended to transfer funds to euro only to avoid additional charges (bank commissions, associated with currency exchange and/or transfers) and confusion with interest calculations.

However, we do accept wire transfers made in currencies which are officially in circulation in EU, Norway of the UK (e.g. British pounds, Swedish or Norwegian crones) and in this case Platform reserves the right to convert the currency to euros at the day of reception or at the date of processing of the payment. Kindly note that the money will appear on your investment account converted to euro and all outgoing payments will be made in euros.

We do not accept payments in currencies which are not in official circulation in EU, Norway of the UK, unless not agreed otherwise. The Platform retains the right to return the money back to the sender. An additional commission associated to the transfer may be charged by the bank.

No, there is no minimum or maximum amounts for adding funds; however, please note that there is a minimum for investment set up by the Platform which is 50 EUR for an individual and 300 EUR for a legal entity, therefore, the minimum bank transfer  is rather the question of feasibility which may be left at your own discretion.

Generally, not, as we rely on AML policy of the bank or payment institution that issue the payment. Unified AML standards in the territory of EU is the reason why we accept money transfers only from the accounts opened with a duly licensed credit or payment institution in EU member states, Norway, or the UK. Thus, the legal source of your funds is presumed. However, the Platform reserves the right to request additional information or documents proving the source of your funds at any time in case of any suspicions, for example, if your transfer significantly exceeds your stated income/savings, etc.

No, we don’t apply any additional commissions except for the ones our bank charges.

The minimum investment is 50 EUR for an individual and 300 EUR for a legal entity.

Generally, not. The prospective EU Regulation (CF) that is expected to come into force in 2022 may impose such limitations depending on your investor status, but currently there are no binding legal requirements that would regulate this issue. However, according to the best practice standards we recommend to the investors that do not have a professional investor status not to invest more than 3,000 EUR in a single project/offer placed on our Platform.

Kindly note the Platform reserves the right to request additional information or documents proving the source of your funds at any time in case of any suspicions pertaining to the origin of your funds, for example, if your transfer significantly exceeds your stated regular income.

Investment pool is a “basket” open on the Platform for registered users for investing with a limit of its target amount for completion. It is assigned to a certain project or project stage. The underlying idea of a pool – contributions, made by numerous investors to fund one larger project.

Target amount is maximum amount of investments within a certain pool. It is also the desired principal of the loan the project owner applied for. As soon as/when it is achieved, the pool is completed and the funds are transferred to the project owner, based on a loan agreement, upon completion necessary requirements by the project owner which are subject to a certain project/deal (e.g. mortgage registration).

Minimum amount of the pool is the minimum sum of raised funds, upon achievement of which the pool will be deemed as completed; however, funds can still be invested until the target amount is achieved or until the stated pool completion term expires. It is usually the minimum amount required by the project owner; depending on circumstances, it can be stated as equal to target amount or be lower. If minimum amount of the pool is not achieved within the stated term, the pool shall be deemed as not completed and the frozen funds shall be automatically returned to investors’ accounts immediately upon pool completion term expiration.

It is always clearly stated in each project description as a final date for investments that can be made (provided, that the pool is not completed earlier). The stated term usually does not exceed one month from the moment of pool opening, but may vary from days to months depends on the urgency of fund raising and the assumed speed of pool completion.

Confirmation of investment is an automatic notification of the Platform which appears on your screen and is also sent to your contact e-mail to confirm that the amounts of funds you specified is delivered to the investment pool, pertaining to the project (offer) that you chose. On your investment account this amount will be deducted from your account balance, temporary frozen and reflected as “money on hold”, until the moment of pool completion or pool completion term expiration.

“Money on hold” is frozen money on your investment account which is not counted to your account balance. It is a total of funds you chose to invest in the Platform offers which will become real investments upon pool completion or credited back to your account balance in case the pool is not completed and the pool completion term expired.

Yes, you will receive a confirmation via e-mail.

Your investment income is calculated, starting from the day when the “money on hold” changed its status to “real investment” and you got an e-mail notification. This will be the so-called “0 point” which means than next day you will be due interest for one day (proportionally to the number of days in a certain month if interest is calculated on monthly basis), etc. This corresponds to the day when the loan is issued to the investor.

Please note that there may be a minor gap (usually – a few business days) between pool completion date and the date when your “money on hold” turned to “real investment” – this is due to the certain requirements the project owner needs to fulfil before the loan is physically issued (ex. registration of collateral, etc.).

All your investments are visible in the according section of your personal cabinet. Please note that there are separate subsections for the investments that have already been repaid and the current (“active”) investments that are yet to generate income (the principal of the loan is not yet fully repaid). The section “Investments” contain information not only about the invested amounts and dates, but also on the prospective payments according to the schedule. Each line is clickable, i.e. you can open detailed information on the project you invested in.

All payments due, including the interest and principal, are calculated automatically by our system, according to the terms and conditions of investments, offered within a certain project. The system calculates the payments proportionally to the share of your investment(s) in the total pool and the term of investment. Our system supports various types of credit payment calculations, but in most cases the principal is repaid at the end of period and interest payments are monthly based. In case of incomplete month, interest will be calculated by our system proportionally to the number of days in this certain month.

Please note that all detailed information is available in project descriptions. You are always welcome to contact our support service if you have more questions.

No, you can’t, otherwise it would be fairly difficult for us to provide the completion of the pool.

The purpose of investors categorization is to protect their interests by limiting their access to risky transactions in case of lack of professional experience.

We categorize investors in order to be compliant to the prospective EU Regulation (CF) that may impose different limits on transactions; so far there is no difference between our approach to investors depending on their experience though.

According to the definition provided by the Committee of European Securities Regulators, the following groups of investors are recognized as professional investors:

• Entities which are required to be authorised or regulated to operate in the financial markets;
• Large companies and partnerships
• Other institutional investors whose corporate purpose is to invest in financial instruments

However, the investors that do not fall into the above mentioned groups may be treated as professionals on request, provided, that, as a minimum, two of the following criteria are met:

• The investor has carried out transactions, in significant size, on the relevant market at an average frequency of 10 per quarter over the previous four quarters;
• The size of the investor's financial instrument portfolio, defined as including cash deposits and financial instruments exceeds 0.5 million Euro;
• The investor works or has worked in the financial sector for at least one year in a professional position, which requires knowledge of the transactions or services envisaged.

Kindly note that by default all registered users of our Platform are acknowledges as retail (“ordinary”, non-professional) investors. If you wish to be recognized as a professional investor, you will need to provide the documents, confirming your compliance to professional investor status. Please contact our support service for more information.

ach investor will have several documents, together confirming its participation in the respective loan and securing its interests.

These documents will be:

- the Investor's given Instruction for financing;

- Platform's confirmation of the made investment;

- Investor's accepted project of the Loan agreement;

- Scanned copy of the signed Loan agreement (for entire Loan amount);

- Scanned copy of the Collateral agreement (where applicable);

- Scanned documents confirming registration of the Collateral (where applicable).

The Investor's, Platform's and Agent's mutual rights and obligations are clearly specified in the Terms and Conditions for Investors and in the Agent agreement, which the Investor concludes upon the investing.

Yes. It is always available in your personal cabinet, in section “Documents”. The clickable icons of already signed agreements pertaining to certain deals are placed in the list of your investments.

It comes into force simultaneously with confirmation of your investment.

The electronic copies of agreements are physically located on a high security server, corresponding to data protection level as required by financial institutions, maintained by a professional service provider. A regular mandatory automatic data backup process is ensured and reserved copies of all documentation are stored on several other servers separately.

Clickable icons of your agreements pertaining to certain deals are placed in the list of your investments for your perusal.

We are trying to be as green as possible, which includes, inter alia, the minimization of paper document turnover to the extent possible.

Kindly note that your electronic copies of documents have the same legal force as the hard copies would and are equally binding for all parties concerned. However, if you need a hard copy for any considerations, do not hesitate to contact our support service and we will send you the duly signed agreement by mail.

Yes, all of them. Taking into account current situation in European crowdfunding markets, we’ve decided to position our Platform, based on three pillars: compliance, transparence and security. We believe them to be our strongest and sustainable competitive advantages. Thus, all our offers not only generate stable returns, but also are always secured with the 1^st mortgage, registered in favor of our S.P.V with LTV not exceeding 70% of the appraised collateral value. Subject to real estate object liquidity, its location and constituting parts, risk aspects and other considerations, this ratio can be determined even lower.

Some objects have additional security, such as commercial pledge and/or personal guarantees of the beneficiary owner or third persons.  

Please note that, since or second pillar is transparency, all our investment offers contain a complete and unambiguous information on the security provided, including the type of security, its appraised value (whenever applicable and to the extent possible), a copy of valuation document (if applicable), LTV and other information we found valuable and significant for decision taking. Do not hesitate to contact our support service if you need more information or if any questions arise.

Collaterals are appraised by duly certified valuators according to the legal requirements of the country of residence of the project owner or object location place. Since nearly all of the objects are located in the EU, the local valuation standards developed in line with the EU guideline and therefore are uniform; besides that, in most of cases the valuation companies involved are internationally recognized brands. Subject to necessity, the Platform retains the right to request on its own discretion an additional independent valuation to be made as a precondition for the placement of the offer on the Platform.

Please note that some projects, due to their specifics, have valuations, based on significant assumptions and/or expert valuations. Such information is always clearly stated in valuation report and/or project information. Kindly contact our support service if you need more information or have any questions to ask.

All mortgages and other collaterals provided as a security of your investment are registered in favor of Special Power Vehicle (S.P.V.) which is an independent lawyer bureau that holds all collaterals and is intended for representation of investors’ interests, including court proceedings and debt recovery in case of emergency.

Whether a collateral or a combination of various types of security is claimed in project description, no loan is issued before the mortgages or other types of encumbrances are duly registered in favor of S.P.V.

On our Platform we have placed a wide range of offers to satisfy the demands of investors with different risk tolerance; therefore, there are projects with different risk-profitability ratios. However, the Platform as in independent marketplace does not purport to make any recommendations pertaining to investment decisions. Our objective is to provide maximum transparency and accuracy of information about the project and the project owner, but not investment advice. 

All we can recommend for sure, is: 1) not to invest more money than you can afford to lose; 2) to study thoroughly information provided about the project and the project owner; and 3) to seek an independent advice of professional consultant before making any investments.

The investment offers are selected, based on a thorough and rigorous multilevel assessment of the project owner and the project, including reputation and legal risks pertaining to the borrowing company, its financials and past performance, feasibility and sustainability of the project, marketability of collateral and risks.

Our main principles are independency, objectiveness and transparency of information to be provided.

It is the minimum amount of information to be provided to the investors by crowdfunding platforms as will be introduced by CF Regulation, the prospective EU regulation pertaining to crowdfunding platforms that is expected to come into force in 2022.

Although this regulation has not come into force and therefore does not have binding force, we undertake to comply with this requirement and provide all information according to Key Investor Information Sheet in our project descriptions from the very first day of operation of our Platform.

Yes, all of them. Taking into account current situation in European crowdfunding markets, we’ve decided to position our Platform, based on three pillars: compliance, transparence and security. We believe them to be our strongest and sustainable competitive advantages. Thus, all our offers not only generate stable returns, but also are always secured with the 1^st mortgage, registered in favor of our S.P.V with LTV not exceeding 70% of the appraised collateral value. Subject to real estate object liquidity, its location and constituting parts, risk aspects and other considerations, this ratio can be determined even lower.

Some objects have additional security, such as commercial pledge and/or personal guarantees of the beneficiary owner or third persons.  

Please note that, since or second pillar is transparency, all our investment offers contain a complete and unambiguous information on the security provided, including the type of security, its appraised value (whenever applicable and to the extent possible), a copy of valuation document (if applicable), LTV and other information we found valuable and significant for decision taking. Do not hesitate to contact our support service if you need more information or if any questions arise.

Collaterals are appraised by duly certified valuators according to the legal requirements of the country of residence of the project owner or object location place. Since nearly all of the objects are located in the EU, the local valuation standards developed in line with the EU guideline and therefore are uniform; besides that, in most of cases the valuation companies involved are internationally recognized brands. Subject to necessity, the Platform retains the right to request on its own discretion an additional independent valuation to be made as a precondition for the placement of the offer on the Platform.

Please note that some projects, due to their specifics, have valuations, based on significant assumptions and/or expert valuations. Such information is always clearly stated in valuation report and/or project information. Kindly contact our support service if you need more information or have any questions to ask.

All mortgages and other collaterals provided as a security of your investment within a certain project are registered in favor of Special Power Vehicle (S.P.V.) which is an independent lawyer bureau that holds all collaterals and is intended for representation of investors’ interests, including court proceedings and debt recovery in case of emergency.

If a collateral or a combination of various types of security is claimed in project description, no loan is issued before the mortgages or other types of encumbrances are duly registered in favor of S.P.V.

All mortgages and other collaterals provided as a security of your investment within a certain project are registered in favor of Special Power Vehicle (S.P.V.) which is an independent lawyer bureau that holds all collaterals and is intended for representation of investors’ interests, including court proceedings and debt recovery in case of emergency.

If a collateral or a combination of various types of security is claimed in project description, no loan is issued before the mortgages or other types of encumbrances are duly registered in favor of S.P.V.

On our Platform we have placed a wide range of offers to satisfy the demands of investors with different risk tolerance; therefore, there are projects with different risk-profitability ratios. However, the Platform as in independent marketplace does not purport to make any recommendations pertaining to investment decisions. Our objective is to provide maximum transparency and accuracy of information about the project and the project owner, but not investment advice. 

All we can recommend for sure, is: 1) not to invest more money than you can afford to lose; 2) to study thoroughly information provided about the project and the project owner; and 3) to seek an independent advice of professional consultant before making any investments.

You are always welcome to contact our support service at any time at your convenience. Kindly send us your inquiry by e-mail or via direct contact form, available from investor’s personal cabinet.

We are trying to be in the market with our offers. Most of our projects generate income within the range of 10 – 11%, however, there may be offers with lower and higher interest rates, depending on risk level, collateral available, specifics of the project, etc. Detailed information on each project, including the interest rate and scheduled payments, is available in project description.

Kindly note that, as a rule, higher interest rates are associated with riskier projects; however, this relation is not absolute and not always may be true. Also, it does not mean that the projects with lowest interest rates are “zero risk” projects – there is always certain degree of risk associated with any investment. We highly recommend to contact your investment adviser before taking an investment decision.

Monthly-based interest calculation and repayment is the most widespread payment schedule; it is also the option to which most of investors are accustomed and feel comfort with. However, subject to individual needs and specifics of a project, interest calculation and repayment period may be different (quarter-based, for example). Please see the project description for more details; it also contains the planned schedule of payments. You are welcome to contact our support service if you have more questions.

Your investment income will be calculated, starting from the date when the “money on hold” changes its status to “real investment” and you receive an e-mail notification. This will be the so-called “0 point” which means than next day you will be due interest for one day (proportionally to the number of days in a certain month if interest is calculated on monthly basis), etc. This corresponds to the day when the loan is issued to the investor.

Please note that there may be a minor gap (from a few business days up to 3 weeks) between pool completion date and the date when your “money on hold” turned to “real investment” – this is due to the certain requirements the project owner needs to fulfil before the loan is physically issued (e.g. registration of collateral, etc.).

As a rule, it is repaid at the end of investment period, which is usually from 6 to 24 months, with the last interest payment. It corresponds to the nature and logics of business loan which is repaid upon project implementation, when the business is delivered to the market, sold or starts to bring regular income. However, in certain cases, depending on specifics of the project, the principal can be repaid in installments, or there may be an annuity payment schedule when a part of principal is repaid regularly with interest, providing equal total payments each time during all investment period.

Please see the project description for more details; it also contains the planned schedule of payments. Do not hesitate to contact our support service if you have more questions.

Interest income is primarily associated with crowdlending when you lend money to the project owner via a crowdfunding platform and the project owner pays you interest for the use of funds. Investment income is usually related to crowdinvesting deals where you fund a company in exchange for a share of its equity.

At the moment, all investment opportunities we offer provide interest income, i.e., are crowdlending-based. However, in future crowdinvesting-based projects with investment income or various hybrid models may be offered by our Platform.

An additional income you can earn is referral income which is calculated and credited to your investment account for inviting other users to use our Platform services, provided that they make an investment in any of our offers and subject to the terms and conditions. Please see our referral system description for more information.

In some cases, it is possible to get extra money within our bonus program, like cashbacks and bonuses. Project descriptions always contain information about bonus programs if such are applicable.

As a rule, loan agreement has a provision that a penalty sanction is applied/calculated for payment delays. However, it can differ subject to terms and conditions of a certain agreement.

The procedure of debt recovery in case of emergency is also provided for in your loan agreement. Therefore, we kindly ask all investors to read thoroughly the terms and conditions before acceptance each time when making an investment. It is also recommended to seek for an assistance of your independent financial adviser in case you have any doubts and concerns.

It depends on the terms and conditions of your loan agreement which comes into force when you confirm your investment. As a rule, loan agreement has a provision that a penalty sanction is applied/calculated for payment delays. However, we kindly ask all investors to read thoroughly the terms and conditions before acceptance each time when making an investment.

Kindly note that physical repayment of penalty will depend on the financial situation of the project owner, which means that, if the project owner delays payment, it may be the sign of financial problems or even insolvency and in this situation, it may appear to be unable to pay you the penalty either. In this case debt recovery procedure will be initiated by S.P.V., a Special Power Vehicle, but it may take a longer time to recover the debt, including penalties.

It is also recommended to seek for an assistance of your independent financial adviser before taking an investment decision in case you have doubts or concerns.

Yes, your income statement is available for a download from your investor cabinet. You may choose to download your income statement for previous year or any other selected period.

We do not calculate or withhold taxes from individuals (including self-employed), except for the residents of Estonia. According to Individual Income Tax Law of the Republic of Estonia, individual income tax at a flat rate of 20% is applicable to all income, including interest income, received by the residents.

If you are an individual, but not a resident of the Republic of Estonia, no income tax will be calculated or withdrawn by the Platform. Kindly note that you bear your own responsibility pertaining to income tax payments that may arise in your jurisdiction, depending on your local legislation.

Legal entities are subject to corporate tax discharge in their country of registration/residence at the rate and according to the terms and conditions as provided for in their national law.

As regards individuals (including self-employed), a flat rate of 20% shall be applied to Estonian residents only according to Individual Income Tax Law of the Republic of Estonia and withheld by our Platform.

The income earned by the individuals who are the residents of other countries may be subject to income tax in their jurisdiction according to their local individual income tax rates.

There may be a difference in local corporate tax rates for legal entities that are subject to corporate tax discharge in their country of registration/residence. We do not calculate and withhold income tax from companies.

We calculate and withhold taxes only from those individuals who are the residents of the Republic of Estonia, at a flat rate of 20% according to Individual Income Tax Law of the Republic of Estonia.

Individuals, who are the residents of other countries, shall pay income tax at the rate as stated for according to their local individual income tax law.

Legal entities are subject to corporate tax discharge in their country of registration/residence at the rate and according to the terms and conditions as provided for in their national law.

Estonian resident companies and the permanent establishments of foreign entities (including branches) are subject to 20% income tax only in respect to all distributed profits. Starting from January 1, 2018 the corporate income tax rate on regular profit distributions was lowered from 20% to 14% in cases where dividends are paid to legal persons. There is no corporate income tax on retained and reinvested profits.

Yes, you can cancel your withdrawal at any time before it is processed and confirmed by our operator. After it is processed and confirmed, it cannot be recalled, as the payment to your bank account has more likely been made or is being made, in order to prevent from situation when you receive the funds on your bank account and the same account is credited back to your investment account.

You can withdraw any amount of funds from your investment account, not exceeding your account balance, at any time. To withdraw funds, you need to enter the section “Withdrawals” in your investor cabinet, to choose the amount to need to withdraw and a bank account you wish to withdraw to (in case you have several) and click “confirm”.

Kindly note that to make a withdrawal you need to have at least one bank account open with a licensed credit institution EU member states, Norway, or the UK, verified by our system.

Verification is done by transferring any amount (even 1 EUR) to Platform account, specifying your ID. As soon as your bank wire transfer is processed, the system will assign your IBAN to your user’s ID and you will be able to use this verified bank account for withdrawals.

As soon as you make your withdrawal request, our Platform operator receives a notification. As a rule, we process withdrawal requests several times a day (on business days). The Platform operator will check if you were eligible to make this withdrawal (there was a sufficient account balance, your bank account has been verified, your documents are in good order) and confirms your withdrawal. Upon its confirmation, our bank account operator will transfer the respective amount from Platform investment account to your bank account. This usually happens on the same day or on next business day (as latest).

The time when you receive the fuds on your bank account will depend on the time of the bank wire transfer. Between European banks it usually takes up to 2 business days. Please contact your bank for a more information.

Kindly note that the Platform retains the right to ask you for additional information or documentation at any time, also while processing your withdrawal request, in case of any suspicious actions regarding AML, other criminal offence or violation that will be considered as such on its own consideration.

There are no minimum and maximum amounts for withdrawals, provided that you have a sufficient investment account balance and bank account(s), verified by our system.

However, please note that the Platform retains the right to ask you for additional information or documentation at any time, also while processing your withdrawal request, in case of any suspicious actions regarding AML, other criminal offence or violation that will be considered as such on its own consideration.

You can make a withdrawal only to the bank account open with a licensed credit institution of EU member states, Norway, or the UK, verified by our system. Your can have several such accounts and choose the account you wish to make a withdrawal to every time when making a withdrawal.

Verification is done by transferring any amount (even 1 EUR) to Platform account, specifying your ID. As soon as your bank wire transfer is processed, the system will assign your IBAN to your user’s ID and you will be able to use this verified bank account for withdrawals. If you wish to add another verified bank account to your withdrawal options, you need to pass the same verification process for another account.

No, we don’t charge any fees for this service and have no plans to introduce any commissions in future; however, if we do the Platform users will be preliminary notified about the amendments in the Terms of Use.

Kindly note that, despite the absence of any Platform fees, your bank may charge commissions for the processing of incoming payments; thus, it is advisable to contact your bank for more detailed information.

Yes, you can withdraw these incomes as soon as they are credited to your investment account. The proceeds from bonus programs are added to your investment account automatically and summed up with your current account balance just the same way as any other proceeds.

Yes, you can withdraw any amount of funds from your investment account, up to the total amount of your account balance, at any time.

Your investment account will not be closed because of withdrawing the total amount of funds as the account balance becomes zero. You will still be able to fund your account and renew operations on the Platform or receive and withdraw your referral income.

However, your investment account will be closed if you remain inactive (no operations with the investment account are made) within one calendar year.

Our bonus programs are a part of our marketing program. These are usually time limited offers that are subject to certain terms and conditions and may be activated, prolonged or deactivated at any time at Platform’s own discretion.

Generally, our bonus programs include:

1. Cashbacks – a certain percent of your investment made in a certain project (or projects) which is added to your investment account as a stimulation to invest. It may have limitations, such as a minimum amount of investment and/or time limitation (for example, active for 1 month);
2. Other bonuses – firm amount of money credited to your investment amount as a special gift or stimulus (for example, for reaching a certain total amount of investments, a holiday gift, personalized bonus, etc.).

Cashback is a certain percent of your investment made in a certain project (or projects) which is added to your investment account as a stimulation to invest. It may have limitations, such as a minimum amount of investment and/or time limitation (for example, active for 1 month).

Yes, you can withdraw your bonus funds as soon as they are credited to your investment account. Your bonus funds are added to your investment account automatically and summed up with your current account balance just the same way as any other funds.

Referral system is an opportunity for registered Platform users to receive an additional income for inviting other internet users to start using our services by means of a link or banner, generated by our system, assigned to your user’s ID and placed in your personal cabinet for your convenience and perusal.

To start earning referral income, all you need is to be a registered and approved Platform user. It is not mandatory o make investments via our Platform.

However, to withdraw your referral income you need to have a verified bank account, open with a duly licensed credit institution of EU member states, Norway, or the UK. Verification is done by transferring any amount (even 1 EUR) to Platform account, specifying your ID. As soon as your bank wire transfer is processed, the system will assign your IBAN to your user’s ID and you will be able to use this verified bank account for your referral income withdrawal.

You can share it with other users of your choice by simple “copy-pasting” this link and sending it by e-mail or messenger or placing it in social networks or any other internet resources, provided that sharing such links is not prohibited by the policy of the resource.

Kindly note that the Platform retains the right to delete the referral links or banners in case of any violations or reputation risk or suspicions of the above on its own discretion at any time.

The opportunity to earn referral income is limited in time pertaining to each certain user that registered on the Platform, following the link you had shared. According to the general conditions of our referral system, the referral income is calculated for the investments made by this user within 6 months from the moment of registration; however, the Platform retains the right to change this time limit for referral income calculation (to extent or shorten it) as well as to change any other terms and conditions of the referral system or to abolish it at any time. Please see more information about referral system and its present terms and conditions in your personal cabinet.

As per the general conditions of our referral system, the referral income is calculated for the investments made by the user, registered on the Platform, following the link you had shared, within 6 months from the moment of registration. The percentage may vary from 0.5% to 1.5% of the investment, subject to certain terms and conditions; however, the Platform retains the right to change this time limit for referral income calculation (to extent or shorten it), to change (to raise or reduce) he percentage of income calculated as well as to change any other terms and conditions of the referral system and even to abolish it at any time. Please see more information about referral system and its present terms and conditions in your personal cabinet.

Yes, you can withdraw your referral income as soon as it is credited to your investment account which happens automatically when a respective investment is made.

Kindly note that in order to withdraw your referral income you need to have a bank account, open with a duly licensed credit institution of EU member states, Norway, or the UK. Verification is done by transferring any amount (even 1 EUR) to Platform account, specifying your ID. As soon as your bank wire transfer is processed, the system will assign your IBAN to your user’s ID and you will be able to use this verified bank account for your referral income withdrawal.

The jurisdiction applicable to the disputes between FUNDAUS and the customers ir defined in the Terms and Conditions and other agreements entered into between the parties. By default, it is the Estonian jurisdiction as FUNDAUS is a service provider registered and licensed in accordance with the Estonian Law. However, a different jurisdiction may be chosen by the written agreement of the parties involved, provided that there no special restrictions arising from the Law.

The Platform is acting in accordance with the law of the Republic of Estonia and European Union Law related to provision of financial services. AML legal regulation and GDPR are also applicable to the Platform's provided services and business activities and are strictly observed by the Platform. The Loan agreements and Collateral agreements and mutual relationship between the Platform and the S.P.V. are subject to Civil and Commercial law. The Platform also observes tax regulation and tries to inform the Investors on their obligations related to taxation of the income received on the Platform. The Platform's legal advisors follows the updates of the law in order to ensure that the Platform is fully compliant with all the applicable legal requirements.

The S.P.V. (special purpose vehicle) is a company assotiated with FUNDAUS. It is named FUNDAUS TRUST AGENT OU and is specially established for provision of collateral agent services to Investors. The Agent is duly licensed by FIU for provision of trust services, which means it is able to act and to hold the property in the interests of other person. The Agent on the basis of the Agent agreement and the Investor's instruction acts as a lender and a mortgagee within the Loan agreement concluded with the Project owner. It is made in order to register mortgage to secure the Project owner's liabilities to Investors and to make the provided collateral secure, legal and enforcible in the Event of Default of the Project owner. With a lot of Investors participating in the financing of the one project together this would not be possible to do without the Agent. The Agent is obliged to transfer the amounts received from the Project owner or in resolt of sale of the collateral to the Investors in accordance with conditions of the Agent agreement. In the event of default of the Project owner the Agent may go to the court and enforce the collateral in its own name, but in the interests of the Investors. 

The possible enforcement procedures in the event of default of the project owner may take unpredictable period of time, as this depends on the jurisdiction of the project owner, the country where the pledged property is placed and where the mortgage is registered, however, the success of the proceedings is nearly guaranteed, because the mortgage over the property is registered in accordance with legal requirements of the respective jurisdiction, a legal advice of the local lawyers is taken into account and the necessary measures to be taken in case of the bad scenario are duly planned upon the assessment of the project prior to its placement on the Platform. LTV shall also always be "on the investors' side". Depending on the concrete situation the local lawyers may also be involved into the debt collection procedure. The information on possible terms may be made available for the Investors in each case separately.

The main rule is that the project owner shall cover all the expenses related to court proceedings and other measures taken by the Platform and / or the S.P.V. in result of its default. However, the Platform and the S.P.V. keep the right to apply fee to these actions taken in favour of the Investors. This may be necessary for appointing the addidional legal advisors, attorneys or other specialists. If this happens, the Platform will notify the Investors on the fees applicable and the Investor will be able to deside whether it agrees to keep the Agent's authorization to defend its rights. If the Investor refuses such service from the Agent - the Agent may assign its claim rights to the project owner proportionally to the Investor's participation in the respective financing and the Investor will be able to go to the court itself.

Any client of the Platform is entitled to submit a compliant if it is unsutisfied with the services provided. The Platform will take all the compliants seriously, provided that they are executed and submitted in accordance with reqirements specified in the Compiants handling policy. Please note that the compliant shall be submitted before bringing any disputes to the court against the Platform or the Agent. All the compliants will be reviewed and responsed within the terms stated in the mentioned policy. Please read it here. FUNDAUS will do it best to satisfy its clients - so, please don't hesitate to inform us if something went wrong - and we will fix it as soon as possible! 

All investments are exposed to a variety of risks and our offers are not exceptional in this regard. The presence of a marketable collateral (real estate) and low loan-to-value (LTV) ratio can mitigate investor’s risks, but it is impossible to eliminate all risks pertaining to your investment. The important issues you need to solve before making an investment are: a) the determination of risk-profit level of your comfort, as more risky projects, as a rule, offer higher returns and vice versa; and b) deciding about the maximum level of loss that you can afford without significant harm to your budget and life quality.

We strongly recommend: 1) not to invest more money than you can afford to lose; 2) to investigate thoroughly information provided about the project and the project owner; and 3) to seek an independent advice of professional consultant before making any investments.

Please note: no information on the Platform web-site and/or our documents is purported to be an advice or recommendation to make an investment and, therefore, shall never be treated as such.

All investments are exposed to a variety of risks and our offers are not exceptional in this regard. The presence of a marketable collateral (ex. real estate) and low loan-to-value (LTV) ratio can mitigate investor’s risks, but it is impossible to eliminate all risks pertaining to your investment. The important issues you need to solve before making an investment are: a) the determination of risk-profit level of your comfort, as more risky projects, as a rule, offer higher returns and visa versa; and b) deciding about the maximum level of loss that you can afford without significant harm to your budget and life quality.

We strongly recommend: 1) not to invest more money than you can afford to loose; 2) to study thoroughly information provided about the project and the project owner; and 3) to seek an independent advise of professional consultant before making any investments.

Please note: no information on the Platform web-site and/or our documents is purported to be an advice or recommendation to make an investment and, therefore, shall never be treated as such.

All investments are exposed to certain risk, including the investments you make via a crowdfunding platform. Two main categories of risk are property value decrease risk and project owner risks. For the detailed risks description and disclaimer please see our Risk Warnings.

This will not affect the investors, as all investors’ funds that have been transferred to the Platform, but not been lent to project owners, are held on a segregated account open with licensed payment institution. The investors’ funds are not owned by the Platform thus, even in case of arrest or takeover of Platform’s property its investment account will remain untouched and investors’ money will be transferred to its owners on first demand.

S.P.V., our Special Power Vehicle, a lawyers’ office holding mortgages and other collaterals, will protect investors’ rights and represent their interests in courts as well as provide for debt collection procedure.