Editorial Policy

How we source facts, verify data, maintain our 19-platform registry and keep scores independent of commercial relationships.

Effective 18 September 2026

What We Publish

crowdhive-reviews.com is an investor-review site about CrowdHive that also publishes a criteria-based ranking of 19 European P2P lending platforms. We publish platform reviews, comparison pages, educational guides and two interactive calculators. Every platform is scored on the same published five-criterion method before any commercial relationship is considered. Scores are editorial opinion, reviewed periodically as platform disclosures and regulatory status change.

How We Source Facts

Every factual claim about a platform - its headquarters location, operating-since year, regulator, licence type, loan types offered, buyback guarantee status, secondary market availability, minimum investment and advertised return range - is sourced from that platform's own public disclosures or verified regulator entries. We maintain an internal cross-platform data registry that is reviewed quarterly and updated whenever a platform issues a material disclosure. No number or date on this site is invented. Where a platform does not consistently publish a return figure, we state that explicitly rather than estimate one.

What We Do Not Publish

We do not publish personal testimonials, named investor stories, staff interviews or a claimed portfolio of our own money invested across these platforms. We do not report unverified rumours, speculate on platform intentions, name specific unverified collapse allegations or predict returns or asset prices. We never write flat "guaranteed" or "risk-free" claims without negation. This site is not a financial adviser, investment platform or bank and does not hold client money.

Commercial Relationships

CrowdHive. This site is connected with CrowdHive's marketing, and links to crowdhive.com are promotional. CrowdHive is not scored in the 19-platform ranking. CrowdHive reviews are written by investors, not by us; they are published or rejected under our review policy and their wording is never edited. Our own CrowdHive pages state only facts published by the platform and always list the risks.

Maclear is this site's commercial affiliate partner and pays a commission when a reader opens an account through our links. 8lends is a labelled sponsored placement outside the ranking. No other platform on this site pays us, and no other platform has an outbound affiliate link. Maclear scores 27 out of 50 points and ranks 17th of 19 platforms on our published method - we do not alter that score or rank to favour a commercial partner. The scoring method and its fixed criterion weights were defined before any platform was scored and before any commercial relationship was established. You can read the full method breakdown at how we rate and the affiliate disclosure at how we make money.

Review Cycle and Data Freshness

Each review and guide page is dated at publication and updated when a platform's regulatory status, disclosed loan types, secondary market availability or advertised return range changes materially. The internal registry is reviewed quarterly. Scores may be revised if a criterion input changes - for example, a platform gaining an ECSP licence or removing its secondary market - but the method itself and the five criterion weights remain fixed. Minor text edits for clarity or readability may occur between quarterly reviews without changing the page date if no factual claim is altered.

Corrections Process

If you believe a factual claim on this site is incorrect, email the details and supporting evidence to the address on our contact page. We will verify the claim against platform disclosures and regulator entries. If an error is confirmed, we will correct the affected page within five business days, add a dated correction note at the end of the page and update the page modification date. If the error affects a platform's score, we will recalculate the score using the corrected input and update the ranking table. Corrections are never withheld or delayed because of commercial relationships.

Risk Warning

P2P lending carries a risk of partial or total loss of invested capital. No compensation scheme covers borrower defaults on any platform listed on this site. Advertised or past returns do not guarantee future results. Verify all terms directly with each platform before investing and consult a licensed advisor if in doubt. This site provides general information only and is not financial, investment, legal or tax advice.