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What is the difference between a personal and an organisational account?
The differences between a personal and an organisational accounts are:
Personal Account
- Applicable tax rate on earned interest: 28%
- Limits on capital invested:varies according to your annual income and on whether you earn above € 70,000 or not.
- If your annual income is below this threshold: you can invest up to € 3,000 per project; and the aggregated capital owed to you from projects you have invested in the past 12 months must be less than € 10,000.
- If your annual income is above this threshold: you can invest up to € 24,999 per project. In addition to this, there is no limit on your investments' aggregate amount.
- We require the following documents: Identification Document, Passport or Driver's License.
Organisational Account
- Applicable tax rate on earned interest: 25%
- There are no limits on capital invested.
- We require the following documents: shareholder declaration, Legal Representative ID document, Articles of Association, Proof of Registration
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Power Parity, SA is a commercial company based in Portugal, owner of the crowdlending platform GOPARITY and holder of an activity license under Regulation (EU) 2020/1503 (European Crowdfunding Regulation), regulated and supervised by the CMVM (Portuguese Securities Market Commission).<br>Payment services at GOPARITY 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.<br>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.