Investors need to be aware that there are risks associated with investing, and P2P loans are no exception. Therefore, we strongly recommend that every investor takes the time to familiarize themselves with the associated risks before making any investment decisions. It's important to remember that risk tolerance is individual, and only you can decide what level of risk you're comfortable with. To minimize risk, investors can diversify their investments across different loan types, borrowers, geographies, and lending companies. At InflaGuard, we believe in empowering our investors with comprehensive information to make the most of their investments while minimizing risk. So, please take the time to educate yourself on the risks associated with P2P loans and other investments before investing with us.

Suppose the interest payments or principal repayment are delayed for more than 30 calendar days. In the case where the interest payment or principal amount of the investment repayment under the Assignment Agreement is delayed for more than 30 (thirty) calendar days, the Loan Originator is obliged to redeem your investment as well as to pay all accrued interest in accordance with the interest rate under the Assignment Agreement. Whether the BuyBack Obligation applies to a corresponding loan offer is specified in the description of the loan offer. Please note that the Buyback obligation and additional Group guarantee may be affected in case of a force majeure event.

InflaGuard does not offer the management of assets. All Assignment Agreements are entered into between the Loan Originator as the assignor and the Investor as the assignee; InflaGuard facilitates these transactions. All Investor’s funds are held separately from InflaGuard operational funds. In the situation where InflaGuard suffers financial difficulties or goes bankrupt, the Investor’s funds can still be accessed. In such an unlikely event, an administrator will be appointed to take over the role of InflaGuard to serve all the investments. You should also note that you can still require the Loan Originator to repay your investment.

RiseTech Kft., trading as InflaGuard, is registered as a limited liability company (Kft.) and conducts its operations in accordance with the laws and regulations of Hungary, as well as all applicable laws and regulations of the European Union.

RiseTech Kft., trading as InflaGuard, is registered as a limited liability company (Kft.) and conducts its operations in accordance with the laws and regulations of Hungary, as well as all applicable laws and regulations of the European Union. Given that the P2P lending industry is currently unregulated in both Hungary and the EU, any changes in laws or the emergence of new regulations for this industry may have a negative impact on the company's operations by potentially limiting the services it can provide. However, InflaGuard is proactive in staying well-informed about such changes and commits to making all necessary adjustments promptly. This ensures the mitigation of any risks for its investors.

If you are at least 18 years old and older and have a bank account in the credit establishment of the EU or EEA, you can become an Investor.

You shall register on the platform, confirm your email address, complete the identity verification process by providing either National ID or passport, and verify your bank account.

It usually takes a few minutes to verify the account.

The identity verification process is completed online. You will need to take a photo of your identification document and your face. The KYC and identification services are performed fully online by our trusted partners.

Please contact our support team at info@InflaGuard.com

At InflaGuard, we allow individuals to have one personal account, as well as to act as representatives of a business account. However, it's important to note that each individual or legal entity is only allowed to have one InflaGuard account. Creating multiple accounts is not permitted, and if we detect duplicate accounts, we'll be required to limit and close all of them. It's also worth noting that funds and investments cannot be transferred between accounts. So, be sure to keep this in mind when setting up your account with us to avoid any confusion or complications in the future. If you are in doubt, please contact our support team for further assistance.

We require all investors to verify their identity in order to comply with applicable European Union laws and regulations. By verifying the true identity of our investors, we aim to create a safe and fair marketplace for everyone. Identity verification is a critical part of our compliance process, and it helps us ensure that our platform is not being used for fraudulent or illegal activities. It also helps us protect our investors by preventing unauthorized access to their accounts and ensuring that their personal information remains secure. We take our responsibility to provide a secure and compliant platform seriously, which is why we require all investors to undergo identity verification before they can start investing on our platform. So, while it may seem like an inconvenience at first, rest assured that it is a critical step in ensuring the safety and security of our platform for all investors.

At InflaGuard, we accept the following types of documents for identity verification: For EU citizens: Passport or national ID card. For non-EU citizens: International passport. These documents are required to confirm your identity and comply with applicable European Union laws and regulations. We take the security of our platform and our investors' personal information seriously, and verifying your identity is a critical part of our compliance process. To complete the identity verification process, you'll need to upload a clear and legible copy of your chosen document to the InflaGuard platform. Once your identity is verified, you'll be able to start investing on our platform and take advantage of all the opportunities available to you. If you have any questions or concerns about the identity verification process, please don't hesitate to reach out to our customer support team for assistance. We're here to help you every step of the way.

We take data privacy and protection very seriously. We are committed to complying with the General Data Protection Regulation (GDPR) and all other applicable national laws to ensure that our investors' personal data is stored securely and used only for permissible business activities. We employ industry-standard security measures to protect our platform and our investors' personal information from unauthorized access, theft, and other forms of cybercrime. We also limit access to personal data to authorized personnel who need it to perform their duties and ensure that all data is stored and processed in compliance with applicable laws and regulations. Our privacy policy outlines in detail how we collect, use, and protect our investors' personal information. We understand the importance of data privacy and protection and are committed to maintaining the highest standards of compliance and security. So, rest assured that when you invest on InflaGuard, your personal data is stored securely and used only for permissible business activities in accordance with applicable laws and regulations.

At InflaGuard, we currently only support deposits via bank transfer from any EU bank account in your name. We do not support deposits via debit/credit card or PayPal at this time. We're always looking for ways to improve our platform and make it easier for investors to invest in P2P loans, so we'll continue to explore new deposit methods in the future. In the meantime, we appreciate your understanding and look forward to helping you achieve your investment goals on our platform.

At InflaGuard, we accept international money transfers only from bank accounts in the European Economic Area (EEA), as well as Switzerland and Norway.

At InflaGuard, we're committed to providing a smooth and uninterrupted experience for our investors. In most cases, if you make a transfer correctly, the funds should be visible in your account within a few moments. However, there may be occasions where it takes longer for the funds to be credited to your account. This could be due to a variety of reasons, such as technical issues at partner banks, or other factors beyond our control. In general, we recommend allowing up to 2 working days for funds to be credited to your account. If you notice that the funds have not been credited to your account after this period, please don't hesitate to contact our customer support team for assistance. We'll do our best to investigate the issue and resolve it as quickly as possible.

We do not charge any fees for depositing funds into your account. If you make a transfer under SEPA, you should not be charged any fees by your payment provider. However, please note that not all banks in the EU operate under SEPA agreements, and some banks may charge fees or impose other restrictions on transfers. We recommend that you check with your bank to see if there are any fees or restrictions associated with making a transfer to your InflaGuard account. In general, SEPA transfers are designed to be low-cost and efficient, and most banks in the EU participate in the SEPA system. So, if you're making a transfer from a bank that operates under SEPA, you should be able to transfer funds to your InflaGuard account without incurring any fees.

Yes, you can make transfers to your InflaGuard account using Wise or Revolut. Both are digital payment services that allow for international money transfers at low cost and competitive exchange rates. If you have any questions or concerns about making a transfer from your Wise or Revolut account to your InflaGuard account, please don't hesitate to contact our customer support team for assistance. We're here to help you navigate the process and ensure that your investments on our platform are as seamless and hassle-free as possible.

At InflaGuard, we allow individuals to have one personal account, as well as to act as representatives of a business account. However, it's important to note that each individual or legal entity is only allowed to have one InflaGuard account. Creating multiple accounts is not permitted, and if we detect duplicate accounts, we'll be required to limit and close all of them. It's also worth noting that funds and investments cannot be transferred between accounts. So, be sure to keep this in mind when setting up your account with us to avoid any confusion or complications in the future. If you are in doubt, please contact our support team for further assistance.We require that all transfers be made from bank accounts in your own name. If a transfer is made from a bank account that is not in your name, we will be unable to credit the funds to your account and the transfer will be declined and returned to the sender. Please note that any fees or charges associated with returning the transfer will be deducted from the returned funds. This is in line with our commitment to ensuring the security and integrity of our platform and preventing fraud or other illicit activities. If you have any questions or concerns about making a transfer to your InflaGuard account, please don't hesitate to contact our customer support team for assistance. We're here to help you navigate the process and ensure that your investments on our platform are as secure and hassle-free as possible.

If you have experienced an error or issue with a payment on InflaGuard, we recommend that you contact our customer support team as soon as possible to report the issue and provide any necessary proof of payment. By reporting the issue promptly and providing proof of payment, we can work quickly to resolve the issue and ensure that your payment is processed correctly. Depending on the nature of the issue, we may need to investigate further or work with our payment partners to resolve the issue. Our customer support team is available to assist you with any issues you may be experiencing and to help ensure that your payments are processed correctly.

The investment in loans opportunities are listed in euros. The Loan Originators are receiving funding in euros and handling currency risks themselves. Hence depositing is allowed in euros only.

All funds deposited and invested by you are stored separately from the InflaGuard’s property.

If you have uninvested funds on your profile balance, you can withdraw them at any time by clicking the “withdraw” button. The minimum amount of withdrawal is 10 (ten) euros.

At InflaGuard, we currently operate with Euros (EUR) only, which means that you can only withdraw funds in Euros. If you have any questions or concerns about withdrawing your funds, please don't hesitate to contact our customer support team for assistance. We're here to help you navigate the process and ensure that your withdrawals are processed as smoothly and efficiently as possible.

We process withdrawals as SEPA transfers, which typically arrive in your account instantly. However, please note that some EU banks may not fully comply with all SEPA requirements, which could cause a delay in the transfer. If you have requested a withdrawal and have not received it in your account immediately, we recommend that you check with your bank to ensure that they have received the transfer. While SEPA transfers are typically processed quickly, some banks may take longer to process transfers due to internal processing times or other factors.

If you experience a delay or rejection of your withdrawal request on InflaGuard, there could be several reasons for this. One common reason is that the bank details you have provided are incorrect or outdated. To resolve this issue, we recommend that you first check your bank details in your InflaGuard account profile to ensure that they are up to date and accurate. If you need to make any changes, you can do so easily through your account settings. If you have confirmed that your bank details are correct and you're still experiencing issues with your withdrawal, please don't hesitate to contact our customer support team for assistance.

We do not charge any fees for withdrawing your funds from our platform. We understand that our investors may need to access their funds at any time, and we want to make the process as easy and convenient as possible. Whether you're withdrawing your funds to reinvest them elsewhere or simply need to access your cash for other reasons, you can rest assured that there are no hidden fees or charges for doing so. It's important to check if your bank charges any fees for receiving transfers. The European Union has implemented rules governing the fees that banks can charge for international SEPA transfers, which should provide some protection against excessive fees.

There is two options for investing with us. The first is to manually pick loans from our marketplace based on your own investment parameters. This gives you greater control over where your money is going and how it's being invested. Alternatively, you can use our auto-invest feature to save time and effort. With this option, our system will allocate your capital in the best deals available, so you don't have to spend time researching and selecting loans yourself. Either way, we're here to help you make the most of your investment with InflaGuard!

There is no limit on the number of loans you want to invest in, as long as you have funds available on your investing account.

InflaGuard does not pay interest on uninvested funds.

Every Investor for every investment gets an electronically concluded Assignment Agreement once the investment is made. You can find the Assignment Agreement in your Investor Profile. All Assignment Agreements concluded by you on the platform shall be stored in your Investor’s Profile.

Please contact our support team at info@InflaGuard.comIt is possible to place your investment for sale on the Secondary Market. If another Investor agrees to buy your investment, you exit your investment before the maturity date. Loans could also be repaid by the Borrower or Loan Originator faster than its maturity date.

The loan is available for investments for as long as it has not reached its maturity date or has not been fully funded by other Investors.

Yes, the Loan Originator has the right to extend the term of the issued loan taking into account the terms and conditions of the respective Loan Agreement.

At InflaGuard, loan repayments are typically made based on the schedule of each particular loan. This means that part of the principal is paid out at specific intervals along with the interest earned at that point. At the maturity date, you'll receive the remaining principal amount of your investment back. In addition to the principal amount, you'll also receive interest on your investment, which will be credited to your account on the same schedule basis. This means that you'll earn interest on your investment throughout the term of the loan, providing you with a potential return on your investment. Overall, the repayment process is straightforward and designed to provide investors with a reliable and flexible way to earn returns on their investments while minimizing risk. By investing in loans on the InflaGuard platform, you can potentially earn a steady stream of interest income while also diversifying your investment portfolio.

The interest is calculated according to the interest rate specified in the Assignment Agreement. The interest is payable from the day you have invested, taking into account the elapsed time of the deal and until the loan reaches its maturity date. The formula for calculating interest is the following: Interest = Days of Investing / 365 * Interest Rate * Currently Invested Amount.

To see the total interest earned on your investments on the InflaGuard platform, you can go to your account oveerview. There, you'll find a section labeled "Profit" which will show you the total amount of interest you've earned on your investments. If you're interested in seeing how much interest has been earned on a specific loan, you can navigate to that section of the platform. There, you'll be able to see the interest earned on each loan individually, as well as other relevant information about the loan. By monitoring your interest earnings regularly, you can get a better understanding of how your investments are performing and make any necessary adjustments to your investment strategy to maximize your returns.

The interest that the Investor receives from the Loan Originator is gross income, and InflaGuard does not deduct any tax from this amount. All interest earned under the Assignment Agreement is treated by tax authorities as investment income and thus subject to income tax laws and regulations of your country. InflaGuard does not provide tax-related advice and recommends you to turn to a local tax advisor of the country of your residence for additional information.

Late loans refer to loans where the borrower has failed to make a repayment on time. It's important to note that this is a normal occurrence in the lending industry, and can happen for a variety of reasons, such as technical or liquidity issues. While late loans may cause some concern for investors, it's important to understand that this doesn't necessarily mean that you won't get your investment or accumulated interest back. In fact, when a loan becomes late, the borrower is typically charged additional interest on the overdue period, based on the same rate as the original loan. It's also worth noting that InflaGuard takes steps to mitigate the risk of late loans, such as offering loans backed by licensed institutions that have been thoroughly screened by financial regulators. Additionally, the platform offers a buyback guarantee, which means that the loan originator will buy back the loan if the borrower is more than 30 days late in making a repayment

Auto-Invest is a feature that gives the Investor the possibility to choose the investment criteria, such as preferred interest rate, maximum and minimum investment per loan offer, maturity date, and the system will automatically invest the money as long as your account balance is sufficient, and the loan offers are available for investment.

The minimum amount of investment in each loan using Auto-Invest is also 10 (ten) euros.

You can easily change your Auto-Invest settings at any time. Visit the Auto-Invest page, and you will be able to change the settings per your requirements.

Please contact our support team at info@InflaGuard.comYes, of course. You can choose to deactivate the Auto-Invest function and continue the investment process manually. You can easily activate or deactivate the Auto-Invest feature from the activation page. It is essential to keep in mind that all regulations applicable for manual investments also apply for investments made through the Auto-Invest feature.

The main advantage of the Auto-Invest feature is convenience. Auto-Invest ensures you will not miss an investment opportunity due to high demand, and the investment will automatically be placed based on your chosen criteria. Auto-Invest enables you to build a diversified portfolio and reinvest your income at the earliest opportunity. This way, you start earning interest on committed funds as soon as possible.

On InflaGuard platform, there are several customizable parameters that investors can use to tailor their investment strategies to their individual needs and preferences. These include: Buyback obligation: This is the loan originator's obligation to buy back a late loan on the 30th day of the delay at the latest. Country: The country in which the lending company operates. Interest rate: The annual interest rate (%). Investment in one loan: The maximum amount of money an investor prefers to invest in a single loan. Loan originator: The company that offers loans on the InflaGuard platform. Loan type: The duration and purpose of the loan. InflaGuard offers investments in short-term, long-term, leasing, real estate, and business loans. Portfolio name: An option to give a specific name to manually created investment strategies. Portfolio size (limit): The total amount of funds an investor prefers to invest using the Auto Invest strategy. Remaining term in days: The duration of the loan in which an investor prefers to invest. By adjusting these parameters, investors can create personalized investment strategies that suit their risk tolerance, investment goals, and other individual preferences. It's important to understand how each parameter works and how it can impact your investment returns before making any changes to your investment strategy.

InflaGuard's Auto Invest feature is powered by a specific algorithm that uses the criteria you've set to find loans that match your preset requirements. Once the algorithm identifies a loan that meets your criteria, it will invest your funds accordingly. It's important to note that the Auto Invest feature may start instantly if there's a loan that fits your criteria already listed on the market. However, it could take some time for the algorithm to find a matching loan if none are currently available. This means that the time it takes for the Auto Invest feature to start investing can vary depending on market conditions and the criteria you've set. Once the Auto Invest feature starts investing, it will continue to do so until it reaches the limits you've set or until you manually stop it. This means that you have full control over how long the feature runs, and you can adjust your preset limits or stop the Auto Invest feature at any time to suit your investment needs. Overall, the Auto Invest feature is a powerful tool that can help you make the most of your investment with InflaGuard, providing you with a hands-free way to potentially earn a return on your funds.

If you're looking to optimize your Auto Invest strategy on InflaGuard, there are a few key factors to keep in mind. First, having a wider selection of loan originators, a wider interest rate interval, and longer remaining terms can help your strategy find more loans available for investment. Additionally, increasing your investment amount can help you get more exposure faster. However, if you're looking to create a diversified portfolio, you'll need to create multiple strategies with different loan originators and portfolio limits. Keep in mind that each strategy will stop working once the set portfolio size or limit is reached, so be sure to set a reasonable portfolio size that won't limit your strategy's effectiveness. It's also worth noting that your strategy will stop working if your uninvested amount and portfolio size are equal. To avoid this, we recommend combining both automatic and manual investing to ensure that your funds are invested as effectively as possible. By considering these factors and implementing a well-rounded strategy, you can potentially earn a nice return on your investment with InflaGuard while minimizing risk.

Unfortunately, once you have made the investment you are expected to wait until its maturity to receive your funds back. However equal parts of your invested funds are paid out on a monthly basis according to the loan schedule for greater liquidity and security. Good news is that we are working on adding Secondary Market feature where it would be possible to sell your investment to other investors at a price set by you at any time for even greater liquidity and security.