1. Who you are dealing with
Investfora is the platform of LIFT INVESTMENT MANAGEMENT SGEIC SA, authorised and supervised by the CNMV (Comisión Nacional del Mercado de Valores) in Spain under register no. 244, for retail and professional clients. Where these terms say “we”, they mean that firm.
2. What an account does
You can deposit euros, hold them as cash with us, and use that cash to open a fixed-term deposit, fund a business loan, buy crypto, or fund a trading account. You can also track things you own elsewhere and practise trading with virtual money. Nothing is invested unless you instruct it.
3. Money in and money out
You send euros by bank transfer to the account shown in your dashboard, using the reference we give you. We credit your cash when the transfer arrives and we have matched it, which normally takes one business day. Withdrawals go back to a bank account in your own name. Your balance is the sum of every movement on your account, and every one of them is listed in your activity.
4. Your instructions
When you buy, we act on your instruction. Some instructions complete at once — a crypto swap, or money onto your trading account — and some take a little longer, such as placing a deposit with a bank. If an instruction cannot be carried out we tell you and the money goes straight back to your cash; it is never held in the meantime.
5. No advice, no promises
We do not give investment, tax or legal advice, and nothing on the site or in your account is a recommendation or a forecast. The value of investments and crypto assets can go down as well as up and you may get back less than you invest. Market prices shown on the public site are delayed public data, not dealing prices. Practice-account results are not a prediction of real results.
6. Product terms come separately
Each product has its own terms, fees, risks and — where the law requires one — an appropriateness or suitability check. You accept those when you use that product. Nothing in these terms pre-commits you to any of them.
7. Your responsibilities
Give us accurate details, keep your password private, and tell us at once if you think someone else has used your account. You must be at least 18. We may ask you to confirm your identity and the source of your money; that is a legal duty, not a choice.
8. Closing your account
You can ask us to close your account at any time by emailing support@investfora.com. We return any cash to a bank account in your name; investments that have not matured must be sold or run to their end date first. We may close accounts that are misused, with notice.
9. Changes
We will update these terms as the product grows and tell you when we do. Our privacy notice explains what we store about you.