Investment projects on our platform typically start at 10 am. To keep you informed, we send a pre-announcement email to our newsletter recipients the day before the project launch, allowing you to preview the company details. Once the project is officially released for investment, we will send you another notification. For real-time updates, we also recommend following us on Facebook. Stay connected to ensure you don't miss any exciting investment opportunities.

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When presenting the projects, we generally adhere to the legal requirements. We are in constant contact with the competent authorities in order to further optimise the comprehensibility and transparency of the projects. On the project pages you will find the most important documents such as the basic information sheet (KIIS) for preview.

Explore thrilling investment projects offered by various companies. You have the freedom to independently choose and select projects that resonate with you. Simply provide your personal information and invest the desired amount. Typically, you have a 30-day window to invest in a project. Once the project is fully funded and reaches its financing target within this timeframe, further investments are no longer accepted. Payment will be processed after your investment has been made.

During the investment phase, you submit an investment offer. After the investment phase is completed, the company accepts your offer. You will then receive your personalized contract. In the meantime, you have the opportunity to prepare for the investment closing and proceed with payment and any required identification.

After submitting your investment offer, you have the option to prepare for the completion process, which helps ensure a smooth transaction.

Deposit a bank account for deposits and payouts.. You will need your IBAN and BIC for this. Without a bank account in your name, we cannot accept deposits for your investments.

Specify your payment method and make the payment. You can choose between secure online banking via our platform or a traditional bank transfer.

Verify your identity (if required). In some cases, we may need to verify your identity using an identification document. There are various quick and convenient methods available for this process.

Add a wallet (if required). For investment projects with digital securities, you will need a wallet or digital safe deposit box. You can set this up with us free of charge in just a few simple steps.

After the financing phase ends, you will receive an email notification confirming that your investment offer has been accepted by the company. We will prepare your contract documents and make them available for download in your portfolio.

In rare cases, in the event of oversubscription or for projects with an auction rate, the company may decide not to accept all offers.

Immediately after confirming your investment, you will be directed to the completion process, or you can initiate the completion of your investment after the company accepts your offer.

Please follow these (possible) below to complete your investment:

• Provide a bank account for payments and payouts
  You will need your IBAN and BIC for this. We cannot accept payments for your investments without a bank account. Also, pay outs of interest and repayment amounts are not possible without a registered bank account.
• Make the payment
  You can choose to pay through our secure platform using online banking, via traditional bank transfer, or by direct debit.
• Verify your identity (if required)
  In some cases, such as if you have invested more than 15,000 euros through our platform in the last 6 months, we are obligated to verify your identity using an identity document. There are different options available, all of which require minimal time.
• Set up a wallet (if required)
  For projects involving digital bonds, you will need to set up a wallet. This can be done for free in just a few simple steps.

Once these steps are completed, your investment will be finalized, and you will receive a notification when the amount is paid to the company, and the interest calculation begins.

The CPI index, or Corruption Perceptions Index, provides an assessment of the perceived level of corruption in the public sector of a country. It ranks countries based on the extent to which corruption is perceived among public officials and politicians. The index is a composite measure compiled by more than ten independent institutions, using surveys and research conducted among business people, country analysts, and experts from various sources.

The CPI index ranges from 0 to 100, with higher scores indicating lower perceived corruption and better rankings. Prior to 2012, the maximum score was 10.

People may be excluded or subject to scrutiny based on the CPI index to address international efforts against corruption and money laundering. By classifying individuals in relation to countries with high CPI index scores, measures can be taken to prevent international transactions involving funds that may be suspected of being involved in money laundering activities.

Prof. Dr. Friedrich Thießen, Chair of Finance and Banking at the Chemnitz University of Technology, conducted an analysis linking the international CPI index with the frequency of sovereign debt rescheduling recorded by the Paris Club. The analysis revealed a statistically significant correlation: countries with higher levels of corruption have a greater probability of not paying their debts and resorting to debt restructuring at the expense of creditors. The coefficient of determination, which measures the strength of the relationship, is 85%, indicating a high level of predictability in assessing the risk of debt restructuring. This information can be valuable for financial markets in quantifying risk.

Overall, the corruption index provides insights into how corruption is perceived by business people in a particular country. It serves as an important tool for understanding the business environment and assessing associated risks.

Finland, Germany, and Austria are part of the FATCA agreement with the United States, under which these countries have agreed to exchange tax-relevant information to combat tax evasion. The agreement requires the parties to collect specific tax-related information on their customers and investors and transmit the collected information to the U.S. Internal Revenue Service (IRS).

When is an individual subject to U.S. taxation?
An individual is considered a U.S. taxpayer if at least one of the following conditions is met:

• Place of birth in the U.S.
• U.S. citizenship
• Dual citizenship of the U.S. and another country
• Holder of a "Green Card"
• U.S. tax residency (residing for at least 183 days per year)
• U.S. taxpayer identification number (SSN or TIN)

In addition to individuals, certain corporate and business accounts, as well as trust accounts, are also subject to scrutiny. If a U.S. taxpayer directly or indirectly owns or controls 25% or more of a non-U.S. company, and the majority of the company's income is derived from financial investments, the company's account will be classified as a U.S. account. In such cases, both the account and the U.S. taxpayer will be reported to the IRS. U.S. companies that are domiciled or managed in the U.S. are generally subject to reporting as well.

Due to FATCA reporting obligations, U.S. taxable individuals or companies cannot directly invest through the Invesdor platform.

For further information on this matter, please contact us at service@invesdor.com.

A person is considered politically exposed if they currently or previously held a significant public position at the international, European, or national level. Additionally, individuals who are known to be closely associated with politically exposed persons, such as immediate family members, fall under this category.

Immediate family members, as defined by the Money Laundering Act (MLA), include the spouse or registered partner under the Civil Partnership Act, children and their spouses or registered partners, as well as parents.

A known close person, according to the Anti-money Laundering Act (AMLA), refers to individuals who meet one of the following criteria:

1. They are the beneficial owner of certain associations or legal structures together with a politically exposed person.
2. They are the sole beneficial owner of an association or legal structure established for the benefit of a politically exposed person.
3. They maintain close business relations with a politically exposed person.

The aforementioned associations or legal structures encompass various entities, such as private law legal representatives (e.g., joint-stock companies, limited liability companies), registered partnerships (e.g., general partnerships, limited partnerships), trusts, and foundations without legal capacity if their purpose is self-interested from the founder's perspective. Other legal structures that share similar characteristics and functions to these foundations are also included.

Politically exposed persons (PEPs) comprise the following individuals:

• Heads of state and government, deputy ministers, or state secretaries
• Members of the European Commission
• Members of parliament and similar legislative bodies
• Members of governing bodies of political parties
• Members of supreme courts or judicial authorities
• Members of governing bodies of audit institutions and central banks
• Ambassadors, chargés d'affaires, and defense attachés
• Members of the management, administrative, and supervisory bodies of state-owned enterprises
• Directors, deputy directors, members of governing bodies, or other leaders with comparable functions in intergovernmental international or European organizations.

Repayments of principal and interest may be received with delay, but this does not automatically imply insolvency for the company. Companies operate in a dynamic environment where various factors can cause delays in payment, such as pending invoices, legal disputes, or delayed deliveries. These circumstances may result in temporary liquidity issues, affecting the timely repayment of obligations.

As a general rule, you have the option to cancel your offer within 14 days after receiving the offer confirmation by email. To do so, please send us the precise offer amount and the company name from the email address you used to register with us.

Additionally, you can independently revoke your investment through your portfolio.

Please note that it is not possible to modify the investment. If you wish to invest a higher amount, please make a new investment. For a lower investment amount, send us a cancellation request by email. You can then proceed to invest again with your desired amount.

Please be aware that specific terms related to the investment round may apply, and these terms may include specific provisions regarding the right to cancel.

Payment partner for investment projects

For subordinated financing, we use the payment procedure of secupay AG, which combines the payment processes with a BaFin-compliant trustee function. The BaFin-approved payment institution is based in Pulsnitz near Dresden.

Partner bank for classic credit financing

Payment processing for classic credit financing is handled by Fidor Bank AG from Munich. Since its founding in 2009, it has pursued the goal of transferring the Web 2.0 behaviours that are increasingly emerging on the Internet to the area of financial services. It is a member of the Deposit Protection Fund of German banks. Since its foundation, Fidor Bank has received many innovation awards, including: Initiative Mittelstand - Innovationspreis-IT (2012); Banking IT-Innovation Award (2011); International Finance Magazine: Most Innovative Bank Germany (2013).