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Can the promoter refuse the option of a convertible loan after the deadline stipulated in the initial contract?
No.
As stated in the loan agreement, the promoter has the obligation to accept the debt conversion according to the predefined terms. The loan conversion option is unilateral—that is, the borrower has the obligation to accept the lender's decision. The power to decide fully rests on the investor. However, it is important to note that the request for conversion must be made within the time frame that is agreed upon in the loan agreement.
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GOPARITY (www.goparity.com) is a platform of crowdfunding by loans (crowdlending) managed and owned by Power Parity, SA, a public limited company, with number 514373822, and registered office at Rua Filipe Folque, 2, 1st floor, 1050-110 Lisbon (Portugal), licensed by the regulatory and supervisory body CMVM (Portuguese Securities Market Commission), under Regulation (EU) 2020/1503 (European Crowdfunding Regulation).
The payment services available through the platform are provided by MangoPay SA, a registered electronic money institution based in Luxembourg and supervised by the CSFF (Commission de Surveillance du Secteur Financier), registered with Banco Portugal (the Portuguese regulator) under no. 7830.
Investments in crowdlending carry a risk of a partial or total loss of the funds invested. The return on your investment depends on the project's success developed through the campaign in which you invest. Your investment is not covered by the deposit guarantee schemes established by Directive 2014/49/EU nor by the investor compensation schemes established by Directive 97/9/EU. Please consider all risks before investing and carefully read the Key Investment Information Sheet (KIIS) provided to you before investing.