Disclaimer & Investment Risk Disclosure

All information, data, charts, analyses, articles, metrics, calculators, and other content published on the Crowdiz portal (crowdiz.com) are provided exclusively for general educational, informational, and personal study purposes. Under no circumstances do they constitute, nor should they be construed or interpreted as: • Investment advice or investment recommendations under Act No. 566/2001 Coll. on Securities and Investment Services as amended. • Financial intermediation or financial advisory services under Act No. 186/2009 Coll. on Financial Intermediation and Financial Advisory. • Crowdfunding services under Regulation (EU) 2020/1503 of the European Parliament and of the Council (ECSP). • A public offer, solicitation, or inducement to buy, sell, subscribe to, or hold any securities, loan agreements, notes, or other financial instruments. The operator of Crowdiz is not a bank, broker-dealer, licensed investment manager, or entity supervised by the National Bank of Slovakia (NBS) or any other financial regulatory authority across the European Union.

Investing in peer-to-peer (P2P) lending, crowdlending, peer-to-business debt, and real estate crowdfunding entails significant financial risk. Capital invested through these channels is not guaranteed, and you face the risk of losing part or all of your invested money. Before undertaking any investment decisions, you are strongly advised to: • Conduct independent, in-depth due diligence on the specific P2P platform, lending company, and contractual terms. • Thoroughly assess your personal financial condition, investment horizons, knowledge, experience, and risk tolerance. • Consult an independent, licensed financial, legal, or tax professional if you require tailored guidance. Golden rule of investing: Never commit capital you cannot afford to lose without impacting your customary standard of living.

Any figures regarding past returns, historical interest rates, default statistics, or previous platform performance displayed on the portal serve merely as retrospective illustrations. Past performance is not a reliable indicator and does not guarantee future earnings or the preservation of invested capital.

Funds allocated to P2P loans, platform wallets, or crowdfunding initiatives are NOT bank deposits and are NOT protected by the statutory Deposit Protection Fund of the Slovak Republic (under Act No. 118/1996 Coll.) or the Investment Guarantee Fund (under Act No. 566/2001 Coll.). In the case of borrower or platform insolvency, no state compensation mechanism exists.

A core pillar of Crowdiz is radical transparency and genuine 'Skin in the game'. The presented metrics, portfolio visualizers, and return calculations reflect actual personal money invested by the site's founder. These figures: • Act as a public investment log, research journal, and case study of a single private investor. • Do not necessarily reflect average investor returns or benchmark expectations across mentioned platforms. • Do not constitute an endorsement, recommendation, or prompt to replicate the portfolio. All data is compiled in good faith and with utmost dedication to accuracy. However, the operator assumes no liability for unintentional computational discrepancies, synchronization lags, or third-party reporting errors.

In accordance with Act No. 147/2001 Coll. on Advertising and Act No. 108/2024 Coll. on Consumer Protection, we transparently disclose that certain external links to P2P platforms on Crowdiz are affiliate links. If you click on these partner links and register an account, Crowdiz may receive a commission or referral credit from the platform. This incurs no additional cost or fee for you – on the contrary, it often provides welcome cashbacks or bonuses for newly registered investors. These proceeds help sustain server operations, ongoing research, and analytical tool development. Commitment to Objectivity: Affiliate partnerships never influence our objective risk scoring methodology, candid reviews of operational pitfalls, or the authentic investment figures displayed.

Returns realized from P2P lending investments may be subject to income tax and statutory contributions in accordance with Act No. 595/2003 Coll. on Income Tax (or the respective tax laws of your fiscal residency). The operator does not furnish tax, legal, or accounting advice. Each investor is solely responsible for proper tax declaration and reporting to relevant tax authorities.

The Crowdiz portal features hyperlinks leading to websites managed by third parties (such as P2P platforms, statistical portals, or forums). The operator exerts no control over third-party content, terms of service, privacy practices, or service uptime, and accepts no responsibility for damages incurred through their usage.