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What are the guarantees for?
In crowdfunding, some campaigns have contractual guarantees to mitigate investment risks. Learn more here: What are the risks associated with my investment? How are they mitigated?
You will find information about the guarantees covering loans on each campaign page and in more detail in the Key Investment Information Sheet for each campaign.
Guarantees can include, for example, personal guarantees from company partners or managers, mortgages, pledges of credits or assets, among others.
Guarantees serve to make investments safer for investors and are concluded in their favor by Goparity. In case of a potential default by the project promoter, there will be one or more subsidiary ways to recover credits by activating these guarantees.
Moreover, in the event of insolvency or a judicial process aimed at the promoter's financial recovery, loans with associated guarantees are classified as priority over certain types of other creditors' claims, giving Goparity investors a privileged position in judicial collection.
Learn more at: What is your debt recovery procedure?
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© 2024 Goparity
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.