Basic information for investors

At Cresor we want you to be aware of the risks involved in investing through loans or any other form permitted in each case through a crowdfunding service platform. Please remember that:

• · You should not invest money you cannot afford to lose.
• · It is advisable to diversify your investments across several companies.
• · Read carefully all available information about each company and its project.
• · If in doubt, consult an independent professional adviser.

The return and value of your investment will depend on the success of the company (also referred to as the 'Promoter' in accordance with the Terms of Service) and the project in which you invest. Therefore, if things do not go well, you may not achieve the expected return and, in the worst case scenario, you could lose all or part of the money you invest.

Your investment is not guaranteed. This means that no one — neither Cresor, nor the Project Promoter, nor any guarantee fund — guarantees the recovery of your investment or a minimum return. Therefore, if you invest in a company and it becomes insolvent, Cresor will not return the investment made.

Investors will not be able to influence the management of companies and projects financed through the crowdfunding service platform.

Without prejudice to the specific characteristics of your investment and the specific conditions of the company or project in which you invest, you should bear in mind the lack of liquidity of the investment given that there is no (secondary) market in which you can offer, at any time, the sale, transfer or assignment of your investment to other potentially interested parties, and therefore it cannot be converted into cash immediately or quickly.

We recommend that investors build an investment portfolio, maintaining a diversified portfolio and reducing the associated risks. Diversifying means spreading an amount of money across many investments.

Cresor does not hold the status of an investment services firm or credit institution and is not affiliated to any investment guarantee fund or deposit guarantee fund. Crowdfunding projects are not subject to authorisation or supervision by the Comisión Nacional del Mercado de Valores or by the Banco de España. Therefore, the information provided by Promoters about Projects has not been reviewed by those bodies, nor, if securities are issued, does it constitute a prospectus approved by the Comisión Nacional del Mercado de Valores.

You can see the details of the applicable fees at this link Fee policy.

As described in the Terms Applicable to the Crowdfunding Services provided by Cresor through the Portal, which the user accepts upon registration, Cresor makes available to its clients (Investors and Promoters) the contractual models and subscription mechanisms necessary to structure the financing of the Projects published on Cresor.

Communications to this department are reserved for complaints and claims. For enquiries you can contact us at info@cresor.com.

Please complete the following form and submit it via one of the following channels:

Cresor is obliged to address and resolve complaints within 15 calendar days from the date Cresor notifies the user of receipt of the relevant complaint or claim, submitted by ordinary mail, courier or electronic means.

CNMV Claims Service

The CNMV handles complaints and claims from users of investment services where they consider that their investments may have been harmed by the conduct of persons or entities subject to CNMV supervision. It is necessary to first exhaust the route through Cresor's Customer Service Department before submitting complaints and claims to the CNMV Claims Service.

Functions of the Customer Service Department

1. The processing of files to address and resolve complaints and claims submitted by Cresor clients, directly or through a representative. In accordance with Article 2(2) of Order ECO/734/2004, client complaints and claims must relate to their legally recognised interests and rights, whether arising from contracts, transparency and customer protection regulations, or good financial practices and customs, in particular the principle of fairness.
2. To present, formulate and make reports, recommendations and proposals to Cresor on matters within its competence that it considers may promote the fair and trusting relationships that should exist between Cresor and its clients.
3. To issue a reasoned decision within 15 calendar days from the date Cresor notifies the user of receipt of the relevant complaint or claim. Once this period has elapsed, the client may apply to the CNMV Claims Service.

Reference to transparency and customer protection regulations

Cresor informs its users that the applicable regulations on transparency and customer protection, without limitation, include Law 5/2015 of 27 April on the promotion of business financing and its implementing regulations; Law 2/2009 of 31 March regulating consumer contracts for mortgage loans or credits and intermediation services for the conclusion of loan or credit agreements; and Law 16/2011 of 24 June on consumer credit agreements.

Mazars Auditores, S.L. is currently the auditing firm of StockCrowd Platform, S.L.