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If a Goparity account holder dies, what happens?
In the event of the death of a Goparity account holder, the associated account funds must be transferred to the heir's account via the Goparity platform. For this, the heir must formally notify GoParity of the investor's death by emailing support@goparity.com.
The heir will be asked to submit the following documents:
- Qualification of heirs (document containing the lender's heirs) - Qualification of Heirs, Sharing and Records – IRN (justica.gov.pt).
- If the outstanding investment amount exceeds 3,000 euros, the Annex I of the Stamp Tax (declaration that replaced the former Inheritance Tax) must also be submitted - Free transfers (IS) | Óbito Space - Backoffice (justica.gov.pt).
- If the heir is not a parent, descendant, or spouse, proof of payment of the Stamp Duty must also be requested.
As soon as Goparity receives the mentioned documents and validates the legality of the documents, Goparity can proceed to change the account's ownership. At that time, the new holder must open an account at Goparity so that the funds can be transferred between accounts.
The new holder is free to keep the ongoing investments or to sell them in our Marketplace. If there are available funds, these can be withdrawn or used for new investments within the Goparity portfolio.
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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 Travessa de São Pedro, nº 8, 1200 Lisboa (Portugal), licensed by the regulator and supervisor 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 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.