Some of what follows is backed by law — guarantee schemes that pay out even if the bank, or we, are gone, and a public register you can check for yourself. Some of it is our own promise, and is worth what this firm is worth. They are not the same thing, so this page says which is which every time.
Backed by statute, not by us — the guarantee schemes pay out even if the bank, or we, are gone, and the register is the public record you can check for yourself.
A fixed-term deposit is held by the bank, not by Investfora. Every bank on our list is authorised in the European Economic Area, so your money there is covered by that country's deposit-guarantee scheme up to €100,000 per person, per bank — and the scheme pays out even if the bank fails. It is backed by law, not by us.
The €100,000 limit is per depositor, so a joint account held by two people is covered up to €200,000 at the same bank — €100,000 each. The limit is per bank, so money spread across two banks is covered separately at each.
Investfora is part of LIFT INVESTMENT MANAGEMENT SGEIC SA, authorised and supervised by the CNMV (Comisión Nacional del Mercado de Valores) in Spain, register no. 244. The register is public — you can look us up on it yourself rather than take our word for it.
Our own promises, worth what this firm is worth. That is why they are not dressed in the law's colours above.
If a business you have lent to does not repay, Investfora covers your capital up to €100,000 per client, per year. This is our own guarantee: paid from a ring-fenced provision fund and, if that fund falls short, from our own capital. It is not a government scheme and not the deposit guarantee described above, and the full terms are in the guarantee document.
When a business misses a payment, Investfora continues paying the interest you were due from day 3 of the delay, so a late borrower does not become your problem while it is being chased. This is a commitment from the firm, capped at 12 months per loan, and set out in the late-payment terms.
Not cover and not a promise of payment — how the platform is built and run, every day.
Cash sitting in your account is your money, not Investfora's. It is not lent out, not invested and not used to run the business — it stays where it is until you choose what it does.
Money in, money out, and every buy and sell is a line in your activity in plain language, with the date and the amount. Nothing is quietly adjusted, and you can read the whole history whenever you like.
Passwords are screened against known breaches, every device that signs in is listed, and you can end any session from your account page. Identity is verified before money can move.
Some of it is the law’s promise. Some of it is ours. You have just read which is which.
Capital at risk. The value of investments and crypto assets can go down as well as up and you may get back less than you invest. Crypto assets are highly volatile and largely unregulated in the EU; they are not covered by investor-compensation or deposit-guarantee schemes. Past performance is not a reliable indicator of future results. Investfora does not provide investment, tax or legal advice; nothing shown here is a recommendation to buy or sell. Market prices are delayed public data from third-party providers and are not dealing prices. The practice account uses virtual money only; practice results are not a prediction of real results.
