Transparency and investor protection provisions
| Transparency | Platform-Specific Transparency (Pre-Investment) | Clear Information | Terms and conditions are written in a clear way |
| Project Selection Criteria | Platforms state their selection criteria | ||
| Disclosure Requirements | Platforms state which information they require from project owners to disclose | ||
| Due Diligence/Verification of Information | Platforms state how they verify the information from projects Platforms publish their role in the verification of data | ||
| Fees and Charges | Platforms state how they are remunerated | ||
| Platform-Specific Transparency (Post-Investment) | Statistics and Market Development | Platforms provide data about their activity | |
| Full List of Investment Projects Full Loan Book | Platforms provide a complete overview of all projects on their platform. Platforms do not hide unsuccessful projects | ||
| Project-Specific Transparency (Pre-Investment) | Clear and Unbiased Information | Projects display potential returns and risks of projects in a clear manner | |
| Mandatory Disclosure of Project Information | Projects provide minimum information (either mandated by platform, law and/or association) Platforms publish minimum requirements for information of the projects towards the investors | ||
| Project-Specific Transparency (Post-Investment) | Scenario Analysis | Platforms test the performance of their investment/loan portfolio under adverse scenarios | |
| Individual Portfolio Analysis | Platforms analyse how the portfolio of an individual investor behaves and informs him about it | ||
| Ongoing Disclosure of Projects | Projects report about their activities after the campaign | ||
| Individual investor's fund information | Platforms provide information to investors on where their funds are in each moment | ||
| Investor Protection | Investor Protection (Pre-Investment) | Risk Warnings | Platforms provide risk warnings to investors |
| Tax Regime Information | Platforms give information about the applicable tax treatment | ||
| Investor Protection (Post-Investment) | Cooling-Off Period | Investors can withdraw their investment during the funding period | |
| Limitation of Losses | Investors losses are limited to their original investment | ||
| Dispute resolution | Platforms maintain a mechanism for solving conflicts between projects and investors and between platforms and investors |
| Transparency | Platform-Specific Transparency (Pre-Investment) | Clear Information | Terms and conditions are written in a clear way |
| Project Selection Criteria | Platforms state their selection criteria | ||
| Disclosure Requirements | Platforms state which information they require from project owners to disclose | ||
| Due Diligence/Verification of Information | Platforms state how they verify the information from projects | ||
| Fees and Charges | Platforms state how they are remunerated | ||
| Platform-Specific Transparency (Post-Investment) | Statistics and Market Development | Platforms provide data about their activity | |
| Full List of Investment Projects | Platforms provide a complete overview of all projects on their platform. Platforms do not hide unsuccessful projects | ||
| Project-Specific Transparency (Pre-Investment) | Clear and Unbiased Information | Projects display potential returns and risks of projects in a clear manner | |
| Mandatory Disclosure of Project Information | Projects provide minimum information (either mandated by platform, law and/or association) | ||
| Project-Specific Transparency (Post-Investment) | Scenario Analysis | Platforms test the performance of their investment/loan portfolio under adverse scenarios | |
| Individual Portfolio Analysis | Platforms analyse how the portfolio of an individual investor behaves and informs him about it | ||
| Ongoing Disclosure of Projects | Projects report about their activities after the campaign | ||
| Individual investor's fund information | Platforms provide information to investors on where their funds are in each moment | ||
| Investor Protection | Investor Protection (Pre-Investment) | Risk Warnings | Platforms provide risk warnings to investors |
| Tax Regime Information | Platforms give information about the applicable tax treatment | ||
| Investor Protection (Post-Investment) | Cooling-Off Period | Investors can withdraw their investment during the funding period | |
| Limitation of Losses | Investors losses are limited to their original investment | ||
| Dispute resolution | Platforms maintain a mechanism for solving conflicts between projects and investors and between platforms and investors |
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