Disclaimer

1. Nature of the content

All content published on InvantAPPs (analyses, ratings, reviews, portfolio data) constitutes Antonio’s personal and editorial opinion, based on his own experience as a private investor. It is intended solely for information, educational and explanatory purposes. Under no circumstances does it constitute:
  • Personalised financial, tax, legal or investment advice
  • A recommendation to buy, sell or subscribe to any financial product
  • An invitation, offer or request to invest in any platform, loan or project
  • A public offering of securities or financial instruments
InvantAPPs is not registered as a financial advisory firm (EAF), agent or in any other capacity with the CNMV or any equivalent supervisory authority in other European countries, and does not provide services reserved for authorised entities. The content does not take into account the financial situation, knowledge, experience, objectives, tax residence or personal circumstances of any reader. Each user must carry out their own independent analysis and, if they deem it necessary, consult a qualified professional before investing.

2. Risks associated with crowdlending / P2P

Investing in crowdlending and P2P lending platforms involves significant risks that users should be aware of before making any decisions. These investments they are not bank deposits and should not be regarded as guaranteed products:
  • Risk of partial or total loss of the capital invested.
  • Funds invested in these platforms are not covered by the Deposit Guarantee Scheme nor by any equivalent state guarantee mechanism.
  • Risk of default of the borrower, developer or loan originator.
  • Risk of delays in the payment of interest, instalments or repayment of the principal.
  • Liquidity risk: It may not be possible to recover the capital before the scheduled maturity date, even if the platform advertises a secondary market.
  • Originator or sponsor risk: In models involving loan originators or property developers, their creditworthiness is crucial.
  • Collateral risk: the existence of a buyback, repurchase, collateral, mortgage, guarantee, insurance or skin in the game does not eliminate the risk of loss — collateral may not be realised, may be realised late, or may yield less than expected.
  • Concentration risk: Investing too heavily in a single platform, country, originator or currency significantly increases the overall risk.
  • Currency risk: Investments denominated in currencies other than the euro may be subject to exchange rate risk.
  • Regulatory, technological and cybersecurity risks: Legal or tax changes, technical faults, cyber-attacks or security incidents may affect the investment.
It is recommended that you do not invest amounts that you cannot afford to lose, that you diversify across platforms and issuers, that you avoid making impulsive decisions, and that you do not invest money that you may need in the short term.

3. Past and estimated returns

Past, historical, estimated, target or forecast returns are no guarantee of future results. Any figures relating to profitability, IRR, interest, expected returns, default statistics or recovery data — including Antonio’s portfolio and actual IRR as published in the profiles — should be interpreted with caution. Actual results for each investor may differ significantly depending on the timing of investment, project selection, diversification, tax treatment, currency, fees, delays, defaults and other factors.

4. Regulation and verification of official records

Whether a platform is authorised or registered with a supervisory body It does not eliminate investment risk or guarantee the return of capital. Other platforms may operate under different regulatory frameworks, in other countries or without specific authorisation for certain activities. Before investing, we recommend that you always check the legal and regulatory information directly via official sources. In Spain, you can consult the following CNMV resources, amongst others:
  • List of crowdfunding service providers registered with the CNMV.
  • List of European crowdfunding service providers operating in Spain.
  • CNMV warnings regarding unauthorised entities (financial shacks).
The inclusion of a platform on InvantAPPs does not imply that it is authorised, supervised, recommended or endorsed by us. Nor should the absence of a list of warnings be interpreted as a guarantee of safety.

5. Transparency regarding membership

InvantAPPs is partly funded by affiliate links: when a user registers on a platform via an InvantAPPs link or code, the account holder may receive a commission from that platform.
  • This committee it does not involve any additional cost for the user and, on occasion, gives access to bonuses, cashback or special offers.
  • The existence of an affiliation agreement does not influence the editorial stance: The ratings, red flags and analyses reflect the author’s honest assessment, including any negative aspects, regardless of whether or not they have an affiliate relationship with the platform.

6. Conflict of interest

The head of InvantAPPs He is a private investor and has capital invested in some of the platforms he analyses on this site. This constitutes a potential conflict of interest, and we disclose it precisely because it exists. We do not claim that our financial interests do not affect our judgement — which is why disclosure is important. What we do is:
  • Prioritise evidence over commercial considerations: The analysis is based on publicly available data, official records and verifiable information.
  • Separating research from monetisation: Issues relating to a platform are documented regardless of whether or not there is an affiliation or direct investment in it.
  • Update previous reviews: When we discover new information, we update existing content even if it runs counter to our interests.
  • Cancel membership where appropriate: If we detect serious problems on a platform with which we have an affiliate relationship, we terminate that relationship and reflect this in the review.
The account holder’s actual portfolio, along with its returns, is clearly displayed on the relevant platform pages.

7. Rankings, scores and methodology

The scores, rankings and comparisons (risk traffic light system, Invant APPs scores out of 100, and expressions such as «best», «top» or «safest») reflect editorial criteria and its own methodology, applied consistently and based on the data available at a specific point in time. These are not personalised recommendations, nor do they constitute guarantees of profitability, security, solvency, liquidity or suitability. Methodologies may change and data may become out of date; a highly rated platform may subsequently experience significant problems. When automation, scoring systems or artificial intelligence are used to support a ranking or analysis, the results are for guidance only and do not replace the need for human review, a comparison of sources and the reader’s own analysis.

8. Accuracy of information, taxation and bonuses

  • Accuracy: Data on trading platforms is obtained by combining automated scraping and human editorial review, but may contain errors or be out of date. We do not guarantee that the information is complete, accurate or up to date. Always check the official information on the platform’s website before trading. (See also the Legal Notice.)
  • Taxation: Tax-related content (personal income tax, declaration of interests, etc.) is of a general and informative nature, and do not constitute tax advice. Taxation varies depending on the product, the country, the amount and your personal circumstances. For specific queries, please consult a qualified tax adviser or the tax authorities.
  • Bonuses and promotions: The bonuses, cashback, referral codes and promotions mentioned may be subject to the platform’s terms and conditions, time limits and restrictions, and the platform may amend or cancel them. Always check the official terms and conditions. We do not guarantee the award, payment or validity of any third-party promotions.

9. External links

The site includes links to investment platforms, official registers and other third-party websites. InvantAPPs does not control, nor is it responsible for, the content, availability, security or practices of such sites. The presence of a link does not imply endorsement or recommendation.

10. Final decision and amendments to this notice

Any investment decision is the sole responsibility of the user, who should read the official documentation for each platform, understand the risks and assess whether they can afford to lose the capital invested. InvantAPPs may amend or update this disclaimer at any time, without prior notice. Use of the site implies acceptance of this disclaimer, as well as the Legal Notice, the Privacy Policy and the Cookie Policy.
Last updated: October 2026