{"id":4631,"date":"2026-07-12T13:32:27","date_gmt":"2026-07-12T11:32:27","guid":{"rendered":"https:\/\/www.invantapps.com\/?page_id=4631"},"modified":"2026-10-07T01:57:16","modified_gmt":"2026-10-06T23:57:16","slug":"descargo-de-responsabilidad","status":"publish","type":"page","link":"https:\/\/www.invantapps.com\/en\/descargo-de-responsabilidad\/","title":{"rendered":"Disclaimer"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4631\" class=\"elementor elementor-4631\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d864628 inv-legal-content e-flex e-con-boxed e-con e-parent\" data-id=\"d864628\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae1f90 elementor-widget elementor-widget-text-editor\" data-id=\"7ae1f90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1>Disclaimer<\/h1>\n<h2>1. Nature of the content<\/h2>\nAll content published on InvantAPPs (analyses, ratings, reviews, portfolio data) constitutes <strong>Antonio\u2019s personal and editorial opinion<\/strong>, 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:\n<ul>\n \t<li>Personalised financial, tax, legal or investment advice<\/li>\n \t<li>A recommendation to buy, sell or subscribe to any financial product<\/li>\n \t<li>An invitation, offer or request to invest in any platform, loan or project<\/li>\n \t<li>A public offering of securities or financial instruments<\/li>\n<\/ul>\nInvantAPPs 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.\n\nThe 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.\n<h2>2. Risks associated with crowdlending \/ P2P<\/h2>\nInvesting in crowdlending and P2P lending platforms involves significant risks that users should be aware of before making any decisions. These investments <strong>they are not bank deposits<\/strong> and should not be regarded as guaranteed products:\n<ul>\n \t<li><strong>Risk of partial or total loss of the capital invested.<\/strong><\/li>\n \t<li><strong>Funds invested in these platforms are not covered by the Deposit Guarantee Scheme<\/strong> nor by any equivalent state guarantee mechanism.<\/li>\n \t<li><strong>Risk of default<\/strong> of the borrower, developer or loan originator.<\/li>\n \t<li><strong>Risk of delays<\/strong> in the payment of interest, instalments or repayment of the principal.<\/li>\n \t<li><strong>Liquidity risk:<\/strong> It may not be possible to recover the capital before the scheduled maturity date, even if the platform advertises a secondary market.<\/li>\n \t<li><strong>Originator or sponsor risk:<\/strong> In models involving loan originators or property developers, their creditworthiness is crucial.<\/li>\n \t<li><strong>Collateral risk:<\/strong> the existence of a buyback, repurchase, collateral, mortgage, guarantee, insurance or <em>skin in the game<\/em> <strong>does not eliminate the risk of loss<\/strong> \u2014 collateral may not be realised, may be realised late, or may yield less than expected.<\/li>\n \t<li><strong>Concentration risk:<\/strong> Investing too heavily in a single platform, country, originator or currency significantly increases the overall risk.<\/li>\n \t<li><strong>Currency risk:<\/strong> Investments denominated in currencies other than the euro may be subject to exchange rate risk.<\/li>\n \t<li><strong>Regulatory, technological and cybersecurity risks:<\/strong> Legal or tax changes, technical faults, cyber-attacks or security incidents may affect the investment.<\/li>\n<\/ul>\nIt 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.\n<h2>3. Past and estimated returns<\/h2>\n<strong>Past, historical, estimated, target or forecast returns are no guarantee of future results.<\/strong> Any figures relating to profitability, IRR, interest, expected returns, default statistics or recovery data \u2014 including Antonio\u2019s portfolio and actual IRR as published in the profiles \u2014 should be interpreted with caution.\n\nActual 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.\n<h2>4. Regulation and verification of official records<\/h2>\nWhether a platform is authorised or registered with a supervisory body <strong>It does not eliminate investment risk or guarantee the return of capital<\/strong>. Other platforms may operate under different regulatory frameworks, in other countries or without specific authorisation for certain activities.\n\nBefore 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:\n<ul>\n \t<li>List of crowdfunding service providers registered with the CNMV.<\/li>\n \t<li>List of European crowdfunding service providers operating in Spain.<\/li>\n \t<li>CNMV warnings regarding unauthorised entities (<em>financial shacks<\/em>).<\/li>\n<\/ul>\nThe 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.\n<h2>5. Transparency regarding membership<\/h2>\nInvantAPPs is partly funded by <strong>affiliate links<\/strong>: when a user registers on a platform via an InvantAPPs link or code, the account holder may receive a commission from that platform.\n<ul>\n \t<li>This committee <strong>it does not involve any additional cost<\/strong> for the user and, on occasion, gives access to bonuses, cashback or special offers.<\/li>\n \t<li>The existence of an affiliation agreement <strong>does not influence the editorial stance<\/strong>: The ratings, red flags and analyses reflect the author\u2019s honest assessment, including any negative aspects, regardless of whether or not they have an affiliate relationship with the platform.<\/li>\n<\/ul>\n<h2>6. Conflict of interest<\/h2>\nThe head of InvantAPPs <strong>He is a private investor and has capital invested in some of the platforms he analyses on this site.<\/strong> This constitutes a potential conflict of interest, and we disclose it precisely because it exists.\n\nWe do not claim that our financial interests do not affect our judgement \u2014 which is why disclosure is important. What we do is:\n<ul>\n \t<li><strong>Prioritise evidence over commercial considerations:<\/strong> The analysis is based on publicly available data, official records and verifiable information.<\/li>\n \t<li><strong>Separating research from monetisation:<\/strong> Issues relating to a platform are documented regardless of whether or not there is an affiliation or direct investment in it.<\/li>\n \t<li><strong>Update previous reviews:<\/strong> When we discover new information, we update existing content even if it runs counter to our interests.<\/li>\n \t<li><strong>Cancel membership where appropriate:<\/strong> 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.<\/li>\n<\/ul>\nThe account holder\u2019s actual portfolio, along with its returns, is clearly displayed on the relevant platform pages.\n<h2>7. Rankings, scores and methodology<\/h2>\nThe scores, rankings and comparisons (risk traffic light system, Invant APPs scores out of 100, and expressions such as \u00abbest\u00bb, \u00abtop\u00bb or \u00absafest\u00bb) reflect <strong>editorial criteria and its own methodology<\/strong>, 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.\n\nMethodologies 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, <strong>the results are for guidance only and do not replace the need for human review<\/strong>, a comparison of sources and the reader\u2019s own analysis.\n<h2>8. Accuracy of information, taxation and bonuses<\/h2>\n<ul>\n \t<li><strong>Accuracy:<\/strong> 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\u2019s website before trading. (See also the <a href=\"\/en\/aviso-legal\/\">Legal Notice<\/a>.)<\/li>\n \t<li><strong>Taxation:<\/strong> Tax-related content (personal income tax, declaration of interests, etc.) is of a general and informative nature, and <strong>do not constitute tax advice<\/strong>. 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.<\/li>\n \t<li><strong>Bonuses and promotions:<\/strong> The bonuses, cashback, referral codes and promotions mentioned may be subject to the platform\u2019s 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.<\/li>\n<\/ul>\n<h2>9. External links<\/h2>\nThe 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.\n<h2>10. Final decision and amendments to this notice<\/h2>\nAny 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.\n\nInvantAPPs 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 <a href=\"\/en\/aviso-legal\/\">Legal Notice<\/a>, the <a href=\"\/en\/politica-de-privacidad\/\">Privacy Policy<\/a> and the <a href=\"\/en\/politica-de-cookies\/\">Cookie Policy<\/a>.\n\n<hr \/>\n\nLast updated: October 2026\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Descargo de Responsabilidad 1. Naturaleza del contenido Todo el contenido publicado en InvantAPPs (an\u00e1lisis, puntuaciones, opiniones, datos de cartera) constituye opini\u00f3n personal y editorial de Antonio, basada en su experiencia propia como inversor particular. Tiene finalidad exclusivamente informativa, formativa y divulgativa. No constituye, en ning\u00fan caso: Asesoramiento financiero, fiscal, jur\u00eddico o de inversi\u00f3n personalizado Una [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4631","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/pages\/4631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/comments?post=4631"}],"version-history":[{"count":4,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/pages\/4631\/revisions"}],"predecessor-version":[{"id":9678,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/pages\/4631\/revisions\/9678"}],"wp:attachment":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/media?parent=4631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}