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By Daniel Brenner, Senior Editor Updated 2026-05-18 How we rate →

Terms of Use

1. Acceptance of these terms

By accessing or using crowdindex.org (the “Service”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legal agreement between you (“you”, “User”) and (“CrowdIndex”, “we”, “us”, “our”), the operator of crowdindex.org.

We may update these Terms from time to time. Material changes will be flagged at the top of this page for at least 30 days before they take effect. Continued use of the Service after a change indicates your acceptance of the updated Terms.

2. About the Service

CrowdIndex is an editorial review and information service for European peer-to-peer (P2P) investment platforms. Specifically, we publish:

  • Independent reviews and rankings of P2P investment platforms
  • Educational guides on P2P investing, regulation, and risk
  • Comparative analysis between platforms

CrowdIndex is not:

  • A P2P investment platform
  • A regulated financial adviser, broker, or investment firm
  • A custodian or holder of investor funds
  • An insurance provider or compensation scheme

We provide editorial content for general information purposes. Your use of any P2P investment platform we review is governed by that platform’s own terms and conditions, and is your own decision.

3. Not investment advice

THE CONTENT ON CROWDINDEX IS NOT INVESTMENT ADVICE. Nothing on this Service constitutes a personal recommendation to make any investment, to invest in any specific platform, to follow any specific strategy, or to act on any specific timing. The content is general editorial commentary intended for informational purposes only.

P2P investment involves significant risks, including but not limited to:

  • Total loss of invested capital
  • Default of individual borrowers
  • Default or insolvency of loan originators, platforms, or platform-affiliated entities
  • Loss of liquidity (inability to withdraw funds)
  • Currency risk for cross-border investments
  • Regulatory and legal risk including the potential withdrawal of operating licences
  • Operational risk including platform IT failure, fraud, or wind-down

Past performance, advertised yields, or historical default rates are not indicative of future results.

You are solely responsible for:

  • Evaluating whether any P2P investment is suitable for your financial situation, investment objectives, risk tolerance, and tax circumstances
  • Performing your own due diligence on any platform or investment opportunity
  • Complying with applicable laws and regulations in your jurisdiction
  • Reporting and paying any taxes due on your investment income

If you are unsure whether any investment is suitable for you, please consult a licensed financial adviser, accountant, or other qualified professional in your jurisdiction.

4. Affiliate relationships

We earn commissions when readers sign up to platforms via links on the Service. Our editorial position is that affiliate relationships do not change our ranking — for the full statement of how affiliate relationships work and how we maintain editorial independence, see our Affiliate Disclosure page, which forms part of these Terms by reference.

5. Intellectual property

5.1 Our content

The original editorial content on the Service — including reviews, articles, methodology, scoring assessments, layout, and design — is the intellectual property of and/or its content contributors, and is protected by copyright, trademark, and other intellectual property laws.

You may:

  • Read, view, and print individual pages for personal, non-commercial use
  • Share short excerpts on social media with attribution and a link back to the original page
  • Cite specific factual claims in your own work with appropriate attribution (publisher, page title, URL, date accessed)

You may not, without our prior written permission:

  • Reproduce, redistribute, republish, or modify substantial portions of the content
  • Use the content for commercial purposes (including incorporating it into a competing publication or AI training dataset)
  • Remove copyright notices, attribution, or affiliate disclosures from the content
  • Use our trademarks or brand assets in a way that suggests endorsement of your own product or service

5.2 Third-party content

The Service includes references to, and descriptions of, third-party platforms, products, regulators, and publications. We use these references under principles of editorial fair use and accurate description. Trademarks and logos referenced are the property of their respective owners; their inclusion on the Service does not imply any partnership, endorsement, or affiliation beyond what is explicitly disclosed.

5.3 Reader contributions

If you submit feedback, corrections, suggestions, comments, or other contributions to us (e.g., via email or comment forms), you grant us a non-exclusive, royalty-free, worldwide licence to use, reproduce, modify, publish, and distribute such contributions for editorial purposes, with appropriate attribution where the contributor’s identity is known and consent has been given.

You retain ownership of your contributions. We will not publish a reader’s identity or personal details without consent.

6. User conduct

When using the Service, you agree not to:

  • Use automated systems (bots, scrapers, crawlers) to access the Service without our prior written permission, except for legitimate search-engine indexing complying with our robots.txt
  • Attempt to gain unauthorised access to any part of the Service, its servers, or related systems
  • Interfere with or disrupt the Service or servers
  • Reverse-engineer any aspect of the Service
  • Use the Service to transmit malware, spam, or unlawful content
  • Submit false, misleading, or impersonating information in any correspondence with us
  • Misrepresent your contributions or feedback as originating from a different person
  • Use the Service in any way that violates applicable law in your jurisdiction or ours

7. Limitation of liability

7.1 Information service disclaimer

To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied. We do not warrant that:

  • The Service will be uninterrupted, secure, or error-free
  • The content is accurate, complete, current, or free from typographical or substantive errors
  • Any specific result will be achieved by using the Service
  • Any defect will be corrected within a specific timeframe

7.2 Editorial limitation

The content on the Service represents the editorial judgement of CrowdIndex’s editorial team at the date of publication. Conditions on the platforms we cover may change after publication. Regulators may take new actions. Defaults may occur after a review’s last-updated date. We endeavour to update reviews quarterly and on material events, but we cannot guarantee real-time accuracy.

7.3 No liability for investment outcomes

To the maximum extent permitted by applicable law, CrowdIndex shall not be liable for:

  • Any loss of capital or expected returns arising from your investment decisions
  • The acts or omissions of any P2P platform or its affiliates
  • Default of any borrower, loan originator, or counterparty
  • Withdrawal restrictions, freezes, or wind-down events on any platform
  • Tax consequences of your investments
  • Decisions you make based on information from the Service that turns out to be inaccurate or out of date

7.4 Statutory protections preserved

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including (where relevant): liability for death or personal injury caused by negligence; liability for fraud or fraudulent misrepresentation; and any statutory consumer-protection rights that cannot be waived.

7.5 Aggregate cap

To the maximum extent permitted by applicable law, our aggregate liability to you for any claim arising out of or relating to the Service shall not exceed .

8. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless CrowdIndex and its officers, employees, contractors, and agents from any claim, demand, or damage (including reasonable legal fees) arising from:

  • Your violation of these Terms
  • Your violation of any law or regulation
  • Your violation of the rights of any third party (including intellectual property rights)
  • Misuse of the Service in any way

This obligation does not apply to claims arising from our gross negligence or wilful misconduct.

9. Termination

We may suspend or terminate your access to the Service at any time, for any reason, with or without notice, including for violation of these Terms.

You may stop using the Service at any time. Termination does not affect any rights or obligations that have accrued before termination, or any provisions of these Terms that by their nature should survive termination (including intellectual property, limitation of liability, indemnification, and governing law).

10. Governing law and dispute resolution

These Terms are governed by the laws of .

, subject to mandatory consumer-jurisdiction protections under Brussels I bis.]

10.1 Alternative dispute resolution

In accordance with Regulation (EU) No 524/2013, the European Commission provides an Online Dispute Resolution (ODR) platform at: https://ec.europa.eu/consumers/odr/

This platform is available to consumers in the EU for resolution of disputes arising from online purchases. CrowdIndex is currently an information service that does not sell goods or services directly to consumers; nevertheless, we acknowledge this resource for completeness.

10.2 Time limit

Subject to applicable law, you agree that any claim arising out of or relating to the Service must be brought within of the cause of action arising, after which the claim is time-barred. National statutes of limitation may set a longer minimum period that cannot be waived.

11. Changes to these terms

We may update these Terms from time to time. When we do:

  • We will update the “Last updated” date at the bottom of this page
  • For material changes, we will flag the change at the top of the page for at least 30 days
  • For changes that substantially alter your rights or obligations, we will additionally notify newsletter subscribers (if applicable) by email
  • Continued use of the Service after a change is effective indicates your acceptance of the updated Terms

If you do not agree to a change, you should stop using the Service. We will preserve a version history at the bottom of this page once revisions exist.

12. Severability and entire agreement

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

These Terms, together with our Privacy Policy, Affiliate Disclosure, and any other policies we publish on the Service, constitute the entire agreement between you and CrowdIndex with respect to the Service.

13. Contact

If you have questions about these Terms, please contact us: