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The operator of the Crowdex.PRO asset tokenization platform (the "Platform") is Crowdex Ltd. The Platform allows investors to purchase tokens and asset owners to issue tokens. Crowdex.PRO, as the operator of the Platform, provides potential investors and asset owners with access to its services.
Investing in tokens of digitized assets or in investment projects that
are financed by issuing tokens involves risks. Below are the measures we take to reduce or completely eliminate this risk.
Each investment project is evaluated by a team of analysts employed by Crowdex.PRO will act solely as an intermediary on behalf of token issuers for the relevant investment project.
The biggest risk of investing in tokens is the default of the token issuer. This occurs when the issuer is unable to redeem the issued tokens ( and burn them) or fulfill the promises made in the sales process, e.g. regarding the profit rate. Crowdex.PRO's project selection process is designed to reduce the risk of insolvency of the token issuer.
When you invest through the Platform, you are investing in Issuers seeking funding who have passed the due diligence process implemented by Crowdex.PRO. In this process, we use an advanced scoring system developed by researchers at the University of Wroclaw, and also used in the process of analyzing loan projects on the Crowdex.PRO Platform (read more about our
scoring system, which is also used by our parent company www.crowder.pro/bezpieczenstwo). Read and make sure you understand the risks associated with your investment, detailed below.
Your money is at risk. Your capital is at risk and you may not recover all (or part) of your investment. Investments in tokens involve many risks associated with the token issuer but also the external environment. Therefore, we cannot guarantee that you will recover your capital or realize a loss. Therefore, you should always do your analysis of the project, assess the risks involved and, above all, you should never invest more than you are capable of losing.
Your investment is not covered by the guarantees of the Bank Guarantee Fund.
It is important to know that your investment is not in any way comparable to bank deposits and thus is not covered by any deposit and investment insurance instrument or compensation scheme as applied in Poland by the Bank Guarantee Fund with respect to bank deposits.
Risk of your portfolio.
Any investment in tokens issued on the Platform should be undertaken as part of a diversified investment portfolio, which should include a mix of illiquid and liquid assets. Investing small amounts in multiple investments will help you spread and reduce this risk. The majority of your investments should consist of liquid asset classes so that you have easier access to your capital.
Real estate market fluctuations. The real estate market is cyclical, and property values can rise or fall depending on political, economic or social events. The historical performance of the real estate market or a particular property is not a reliable guide to future performance. A future downturn in the real estate market could seriously affect a lender's ability to repay its debt.
Lack of liquidity.
Investment in tokens issued through the Platform are an investment for various periods. Your investment may not be very liquid during this period, which means that once the invested funds are used to take out a loan, you may not get back the money invested in the tokens. There is also no guarantee that you will make money on the tokens or receive a full refund at the end of the token's term, for example, if the issuer (borrower) defaults and is unable to redeem (repay) them. However, you will be able to sell the tokens on the secondary market (a table of offerings run by Crowdex.PRO) or on exchanges where the issued tokens will be listed.
No investment advice.
Crowdex.PRO and its affiliates do not provide any investment advice or investment recommendations.
Taxes on profits are your responsibility.
You should be wary of any tax liability that may apply to profits received from token investments. Whether or not the relevant tax liability applies depends on your individual situation. We strongly recommend that you consult with appropriately qualified tax professionals about your individual tax situation, which depends on your personal circumstances and may change in the future.
We conduct thorough due diligence oneach project. We carefully examine three key criteria:
asset quality: we conduct due diligence on the underlying assets - including if the project involves real estate we analyze an independent professional valuation (appraisal report)ofeach asset (real estate)
issuer: we analyze the financial situation of each borrower, assessing their credit history and checking the identity of the lender under the money laundering policy (AML).Anti-Money Laundering, AML) ; and
exit: we assess each issuer's ability to redeem tokens
Your money never goes into our bank accounts.
All money, from token issuance always goes directly to the Token Issuer. In case of insolvency of Crowdex.PRO Operator, there is no risk for investors to lose their tokens.