Terms of Use

Nature of This Site

crowdhive-reviews.com is an investor-review site about CrowdHive that also publishes a criteria-based ranking of 19 European peer-to-peer lending platforms. We publish criteria-based platform scores, guides and comparison tools. This site does not hold client money, does not operate an investment platform, and is not a bank, financial institution, investment firm or regulated adviser. We provide general information only.

Nothing on this site constitutes financial, investment, legal or tax advice, nor an offer or solicitation to buy, sell or hold any security, loan or investment product. You are responsible for verifying all information independently and consulting a licensed professional before making investment decisions.

No Investment Advice or Personal Recommendation

Our platform scores, rankings and written content represent editorial opinion based on a published method. Scores are not personal recommendations and do not take your individual circumstances, objectives or risk tolerance into account. A high score does not mean a platform is suitable for you, and a low score does not mean it is unsuitable. Capital is at risk in peer-to-peer lending and no compensation scheme covers borrower defaults on any platform we review.

We do not provide guidance on which platform you should choose, how much to invest, or how to structure your portfolio. Any reference to investor profiles or hypothetical scenarios is illustrative and generic, not advice tailored to you.

Accuracy and Dating of Information

We make reasonable efforts to ensure information on this site is accurate and current as of the date stated on each page. Platform data - including target returns, loan types, regulatory licences, minimum investments and secondary market availability - changes over time. We review and update our reviews periodically but cannot guarantee real-time accuracy. Figures shown may lag behind platforms' own published data by days or weeks.

You must verify all material facts directly with each platform before investing. Check their current terms, fee schedules, regulatory status and advertised returns on their own websites. We accept no responsibility for decisions made in reliance on data that has since changed.

Affiliate Relationships and Sponsored Content

Maclear is this site's commercial affiliate partner and pays a commission when a reader opens an account through our links. This relationship is disclosed on every page that mentions Maclear commercially. Maclear's editorial score is computed using the same published method as all other platforms and is not adjusted or softened because of the commercial relationship. Maclear scores 27 out of 50 points and ranks 17th of 19 platforms reviewed.

8lends is a labelled sponsored placement. It appears outside our scored ranking and its presence is clearly marked as sponsored wherever it is featured. No other platform listed on this site pays us or has an outbound affiliate link. Our scoring method and all platform scores are set before any commercial relationship is considered and remain unchanged regardless of commercial status.

Limitation of Liability

This site and all content are provided "as is" without warranty of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free or free from harmful components. To the fullest extent permitted by law, we disclaim all liability for any loss or damage - direct, indirect, incidental or consequential - arising from your use of this site or reliance on its content, including investment losses, data inaccuracies, system failures or third-party platform conduct.

You acknowledge that peer-to-peer lending carries a risk of partial or total loss of capital and that past or advertised returns do not guarantee future results. No platform score or review on this site reduces or eliminates that risk.

External Links

We link to external websites for reference and convenience only. We do not endorse, control or assume responsibility for the content, privacy practices or availability of third-party sites. Following an external link is at your own risk. Our affiliate links to Maclear and sponsored links to 8lends are clearly labelled and carry appropriate technical attributes.

Intellectual Property

All text, data compilations, design elements and original analysis on this site are our property or used with permission. You may view and print pages for personal, non-commercial use only. Republishing, scraping or redistribution of our content - including scores, rankings or proprietary data - without written permission is prohibited.

Changes to These Terms

We may update these terms periodically. Changes take effect when posted. Continued use of the site after an update constitutes acceptance of the revised terms. The date at the top of this page reflects the most recent revision.

Governing Law

These terms are governed by the laws of the jurisdiction in which this site operates. Any dispute arising from your use of this site will be subject to the exclusive jurisdiction of the courts in that jurisdiction. Specific governing law details are available on request via our contact page.