Terms and conditions

1. General provisions

1.1 These terms and conditions of use of the investinslovakia.eu internet portal (hereinafter referred to as "Terms and Conditions") regulate the manner of use of the https://investinslovakia.eu website as well as its non-public part Invest Club, the manner of Investor Registration, the manner of concluding Framework Agreements with Investors, the manner and possibilities of using the Investor Account and other rights and obligations of Investors. These Terms and Conditions also specify in detail the rights and obligations of Ci investment group, s.r.o., with registered office at Huszova 6, Poprad 058 01, ID No.: 52234380, registered in the Commercial Register of the District Court of Prešov, sec. 37826/P (hereinafter referred to as the "Company") in relation to individual Users / Investors. 


1.2 The Company that owns the Website will allow the Investor to join the Invest Club through the Registration process. Based on the signed Framework Agreement, the executed Bank Transfer Verification, and Identification Verification, the Investor will receive an Investor Account. 

1.3. The Invest Club services are subject to the Investor's registration and verification of the data entered by the Investor on the Website. 

1.4 As a condition for the performance of legal acts, the Framework Agreement shall be concluded and an Investor Account shall be created in which all legal acts of the Investor; all data, transactions, and any other material information related to the performance of rights and obligations under the Framework Agreement; which shall contain an overview of the Investments, an overview of the returns and an overview of the concluded Loan Agreements, including the display of all Investment Orders and Confirmations of the selected Investments, shall be recorded and maintained and which shall also serve as a Durable Medium for the Investor.

2. Definitions

Authorization code is a numerical code generated by the Company, which the Company sends to the Investor at the e-mail address or telephone number provided by the Investor, which the Investor is obliged to enter at the selected type of transaction in the Invest Club or Investor Account, which is determined by the Company, but in particular, the Investor expresses their will to be bound by the Investment Order. 

Available funds is an arbitrarily determined amount of money sent by the Investor to the Company into the Account under this Framework Agreement (being unrestricted uninvested cash), which is entrusted to the Company for the purpose of its subsequent Investment. 

Debtor is a legal entity or a natural person entrepreneur who is interested in obtaining funds in the form of a Loan from an Investor, which has been brokered by the Company for the purpose of the development of its business projects. 

Password is an alphanumeric or numeric code chosen by the Investor at Registration and which the Investor is entitled to change at any time. The password is used to enter the Invest Club. 

Website or the Internet Portal is the Company's website, publicly accessible to the Investor at www.investinslovakia.eu, where the Invest Club is available to the Investor after entering the Login Name and Password. 

Investor account is a separate private interface available to the Investor on the Website in the Invest Club section, through which the Investor is entitled to perform all legal acts to which he is entitled under this Framework Agreement and at the same time, in which all legal acts of the Investor, all data, are recorded and also stored, transactions and any other material information relating to the performance of the rights and obligations under this Master Agreement, which shall include a summary of the Investments, a summary of the proceeds and a summary of the Loan Agreements entered into, including a display of all Investment Orders and Confirmations of Selected Investments, which shall also serve as a Durable Medium for the Investor. 

Invest Club is a non-public portion of the Website and is accessible to the Investor by entering a Login Name and Password, through which the Investor will gain access to otherwise non-public investment offers, investment reports, and other non-public information relating to the Borrower's Projects and, at the same time, through which this Master Agreement may be entered into. 

Investor is a natural or legal person who has registered with Invest Club. 

Investment means the amount of money specified by the Investor which the Investor provides to the Company in the form of a loan for the purpose set out in the Framework Agreement and/or the Investment Order, which the Company undertakes to repay to the Investor and to pay the return on that Investment (interest) on the terms and conditions agreed in the Framework Agreement in relation to the Investment Order. 

Investment order is a document which creates an obligation for the Investor to provide the Investment to the Borrower in the form of a Loan upon the conclusion of the Loan Agreement, based on which the Investor chooses (i) the project and/or the purpose of the Investment, (ii) the amount of the Investment, (iii) the investment period, (iv) the return on the Investment (interest rate), (v) the terms and conditions of the conclusion of the Loan Agreement. The Power of Attorney shall also be a part of the Investment Order. Investment Order forms an integral part of this Framework Agreement. 

Identification and Identity verification of the Investor is a procedure by which the Company, in accordance with Act No. 297/2008 Coll., identifies and verifies the identification of the Investor and at the same time ascertains whether the client or is a politically exposed person or a sanctioned person (the definition of a politically exposed person and a sanctioned person is set out in Annex 1). 

Framework Contract conclusion confirmation means a document executed by the Company by which the Company confirms electronically by unilateral notification the execution of the Framework Agreement to the Investor after the Investor's identification has been verified. 

Confirmation of the chosen investment is a document to be executed by the Company immediately after the Investment Order has been sent/confirmed. 

Loan is the provision of funds by the Investor to the Borrower in the amount and on the terms and conditions outlined in the Loan Agreement. 

Login name is the Investor's email account that the Investor provided to the Company upon registration or that the Investor has changed during the term of the contractual relationship established by this Framework Agreement in accordance with the Company's rules. 

Project means the business activity of the Debtor or part thereof (the Debtor's business plan/project) for which the Debtor seeks to raise funds from the Investor through the Company on the basis of the Loan. 

Framework contract is a framework agreement on investment intermediation, the subject of which is to regulate the mutual rights and obligations between the Investor and the Company in connection with the proper search for suitable Projects and the simultaneous provision of sufficient information about these Projects for the purpose of the Investor's provision of the Investment. Thus, the subject matter of the Framework Agreement is the Company's search for suitable potential Debtors to arrange the conclusion of Loan Agreements to the Investor on the terms and in the manner defined in the Investment Order. The Framework Agreement is entered into following the process of Registration, Investor Identification, and Investor Identification Verification including Bank Transfer Verification. 

Registration is the process by which an Investor registers with Invest Club by setting their own Login Name (email address), Password, and phone number on the Website. 

Durable medium a durable medium is any means that allows the storage of information, in particular the documentation of this Framework Contract, Investment Order, Loan Agreement and related documents, in a manner accessible for future use for a period corresponding to the purpose of the information and which allows the stored information to be faithfully reproduced. 

Account means the bank account of the Company maintained with a bank in the Slovak Republic or any other bank account of the Company notified by the Company to the Investor to which the Investor sends the Available Funds in accordance with this Framework Agreement. 

Verification bank transfer is the transfer of any amount of money from a payment account held in the name and surname of the Investor or from a payment account of which the Investor is the co-owner to the Account, with the entry of an identification code (VS) specified by the Company, which is a condition for placing an Investment Order in the Investor Account. 

Loan agreement is a contract under which the Investor, as a lender, provides funds to the Borrower under the terms and conditions specified therein and the Borrower undertakes to return the funds provided, pay interest and fulfill other obligations under this contract.

3. Registration, the conclusion of the Framework Agreement, the opening of the Investor Account

3.1 The Investor Registers on the Internet Portal by entering the data and information required by the Company in the predefined fields. The purpose of the Investor's registration is to gain access to the Invest Club, conclude the Framework Agreement and subsequently create an Investor Account. 

3.2 At the beginning, the Investor chooses a Login Name and Password, through which he/she then enters the non-public part of the Invest Club Internet portal. 

3.3. After successful Registration, verification of the Login Name and phone number, the Investor is given access to the non-public area of the Invest Club Internet portal. The User acknowledges that upon Registration, the User will have access to the non-public interface of the Internet portal - Invest Club, through which the Investor will have access to otherwise non-public investment offers, investment reports and other non-public information relating to the Borrower's Projects and, at the same time, through which the Framework Agreement may be concluded. 

3.4 The Investor concludes the Framework Agreement with the Company after successful Identification and Verification of the Investor's identification by means of electronic communication by agreeing to its wording through the Internet portal part of the Invest Club by clicking the confirmation button. The Company has the right to determine the form of the Investor's manifestation of intent with the proposed legal act. 

3.5 If the Investor fails to make a Verification Bank Transfer, or if he makes a bank transfer from a bank account of which he is not the owner or the dispositor (the payment account is not in his name and at the same time he is not the dispositor of the payment account), and even after the Company's request he fails to make a Verification Bank Transfer within 36 months from the date of conclusion of the Framework Agreement at the latest, the Framework Agreement shall be deemed to be ineffective. In the event that this occurs, this arrangement shall be deemed to be a termination clause within the meaning of Section 36(2), second sentence, of Act No. 40/1964 Coll. of the Civil Code. In the event that funds have been transferred to the Company from a payment account other than a payment account held in the name of the Investor or an account of which the Investor is not the owner but the disbursing party, the Company shall promptly return such funds to the account number from which they were transferred to the Company's Account. 

3.6 The Framework Contract shall come into force and effect upon delivery of the Confirmation of the conclusion of the Framework Contract to the Investor. 

3.7 Upon conclusion of the Framework Agreement and execution of the Verification Bank Transfer, the Investor is entitled to use the full functionality of the Investor Account, including the ability to place an Investment Order and use his/her Investor Account. The Investor logs in to the Invest Club and the Investor Account at the same time after entering his/her Login Name and Password created during the Registration. After the Verification Bank Transfer has been made, the Investor will be entitled to place an Investment Order for the first time. 

3.8.The Investor shall place the Investment Order electronically to the Company via the Investor Account, and the Power of Attorney shall be included in the Investment Order. The Investor electronically submits an Investment Order to the Company through the Investor Account by selecting (i) the Project and/or the purpose of the Investment, (ii) the amount of the Investment, (iii) the term of the Investment, (iv) the yield on the Investment, and (v) the terms of the Loan Agreement. Upon completion of these details, the Investor shall place an Investment Order with the Company, which he/she shall indicate his/her willingness to do so by confirming the confirmation button in the Investor Account or by simultaneously entering the Authorization Code in the predefined field in the Investor Account and simultaneously clicking the confirmation button. 

3.9 The Investor is entitled to invest only such monies in the form of Investments as are sent to the Company by the Investor to the Account and which are recorded in the Account as Available Funds. The Investor shall be entitled to dispose of the monies constituting Available Funds at any time. 

3.10. With all actions performed in the Investor Account relating to Investing or with any other certain and comprehensible expressions of the Investor's will, the Investor shall express his/her will by clicking the confirmation button or, depending on the nature of the legal action, by confirming it with the Authorization Code and simultaneously clicking the confirmation button. The form of the Investor's manifestation of intent with the proposed legal action performed in the Investor Account shall be determined by the Company.

4. Information for Investors

4.1 The Provider:       Ci investment group s.r.o. 
with registered office at Huszova 4994/6, 05801, Poprad
registered: in the Commercial Register of the District Court of Prešov, Section: Sro Entry No.: 37826/P
ID: 52 234 380
Phone number: +421 910 548 844
E-mail: [email protected] 

4.2 The Company provides Investors (hereinafter referred to as "Consumer") services of mediation of providing own funds to business Projects of selected business entities on the basis of the Crowdfunding Loan Agreement, the conclusion of which the Company mediates to the Consumer. Thus, the Company searches for suitable Business Projects and therefore searches for suitable potential Borrowers for the purpose of arranging the conclusion of the Loan Agreement to the Consumer as a future lender. 

4.3. The main activities within the services provided further include: → active access to the non-public part of the Website - Invest Club → search for suitable future Borrowers for the purpose of concluding individual Loan Agreements under the terms and conditions set out in the Framework Agreement → ensuring the collection (receipt) of funds from the Consumer for the purpose of their provision to the future Borrower on account of the Consumer's obligation to provide a loan under the Loan Agreement → ensuring the administration and control of the repayment of loans by individual future Borrowers; ensuring the collection of the repayments of the loan proceeds as well as the principal of the loan itself from the individual Borrowers and remitting them to the Investor 

4.4 The Consumer may file a claim for goods or services, lodge a complaint, or any other complaint at the address of the Company: Huszova 4994/6, 058 01 Poprad. 

4.5 In consideration for the Company's services provided to the Investor, the Company shall be entitled to collect remuneration in the form of fees for the Company's services. The amount and terms of payment of remuneration in the form of fees for the Company's services are set out in the price list, which forms an integral part of the Framework Agreement and is published in the non-public part of the Website - Invest Club. Costs incurred by the Investor when using remote means of communication (e.g. telephone or internet) for the purpose of using the Invest Club internet platform shall be borne by the Investor, and shall be at the Investor's own expense, which shall be at the normal rate, depending on the tariff of the telecommunication services used by the Investor. The Investor shall not incur any costs for the use of the Invest Club Website and/or the Invest Club Platform. In relation to the Company, the Consumer shall not incur any fees associated with the conclusion of the Distance Framework Contract. 

4.6 The Company undertakes to provide the Service to the Consumer at the time specified in the Investment Order. 

4.7 The Consumer is entitled to effectively make a complaint about the service provided, without undue delay after becoming aware of the fact giving rise to his right to make a claim, and is also entitled to lodge a complaint or other complaint about the Company's conduct in relation to the services provided by the Company, namely:
a) in writing at Huszova 4994/6, 058 01 Poprad
(b) by means of remote communication at: [email protected]
c) by telephone at +421 910 548 844
d) in person at the registered office of the Company at Huszova 4994/6, 058 01 Poprad 

4.8 It must be clear from the complaint who is making it, what it relates to, and what it seeks to achieve. In particular, the complaint must describe the facts precisely identifying the activity, service, or other deficiency of the service provided by the Company to the Consumer. The Consumer is obliged to submit together with the complaint all documents relating to the service complained of, proving the facts alleged by the Consumer. In the event that the claim does not contain the required elements, the Company shall be entitled to invite the Consumer by telephone or in writing to clarify the claimed claim or to complete the required documents. In the event that the Consumer does not specify the claimed claim or does not provide documents related to the claimed service proving the facts claimed by the Consumer, the Company shall base its handling of the claim on the available information and documents. 

4.9 In the case of a claim made in person, the Company shall be obliged to make a written record if the Company consents to its making. In the case of a complaint made by telephone, the Company shall be obliged to make an audio recording if the Consumer consents to its making, provided that the identity of the Consumer is verified by means of security features. For complaints submitted electronically, in cases where the Company cannot verify the identity of the Consumer, the Company shall provide the writer of the submission with a response in the form of general information electronically, and shall process the complaint in writing, to ensure the protection of the Consumer's personal data. 

4.10. After the Consumer has filed a complaint, the Company is obliged to inform the Consumer of his rights: a) the Consumer has the right to have his complaint settled in one of the ways provided by law within 30 days from the date of its filing, the lawful settlement of the complaint is considered to be: → immediate proper provision of the service (i.e. the provision of the service in accordance with the relevant legislation), → agreement on the cancellation of the service provided and settlement of all liabilities, → provision of reasonable compensation by the Company for the defective provision of the service, → reasoned refusal; b) The Consumer has the right to demand from the Company that the Company: → provide services of ordinary quality, → observe the principle of equal treatment in relation to the Consumer, → not impose an obligation on the Consumer without legal grounds, → not deny the Consumer his rights, → not act contrary to good morals; c) The Consumer has the right to determine the manner of handling the complaint, in particular, he has the right to demand that: → the service provided by the Company was provided in accordance with generally binding legal regulations, → the fault in the provision of the service by the Company was promptly eliminated, → the Consumer was provided with adequate compensation by the Company for the defective provision of the service, d) the Consumer has the right to demand that the Company, based on the Consumer's decision pursuant to para. c) of this point to determine the method of handling the complaint immediately, in complex cases within three working days from the date of filing the complaint, in justified cases, in particular if a complex evaluation of the condition of the service provided is required, no later than 30 days from the date of filing; The handling of the complaint is without prejudice to the Consumer's right to compensation for damages pursuant to a special regulation (Civil Code); 

4.11. The Company is obliged to issue a confirmation to the Consumer when making a claim. If the claim is made by means of remote communication, the Company is obliged to deliver the confirmation of the claim to the Consumer immediately; if it is not possible to deliver the confirmation immediately, it must be delivered without undue delay, but at the latest together with the proof of the claim; the confirmation of the claim does not have to be delivered if the Consumer has the opportunity to prove the claim in another way. 

4.12. The Company shall decide on the complaint without delay and the Consumer shall be informed of the outcome of the complaint in writing without undue delay, no later than within 30 days from the date of filing the complaint. After the expiry of the time limit for the settlement of the complaint, the Consumer shall have the right to withdraw from the Framework Contract. 

4.13. A valid claim by the Consumer does not relieve the Consumer of the obligation to fulfill its obligations towards the Company throughout the duration of the claim procedure. 

4.14. In the event of dissatisfaction with the manner in which the Company handled the complaint, the Consumer has the right to contact the Company with a request for redress. If the Company responds to the said request of the Consumer in a negative manner or fails to respond within 30 days of its dispatch, the Consumer shall have the right to file a motion for the initiation of an alternative dispute resolution pursuant to the provisions of Section 12 of Act No. 391/2015 Coll. to the authority competent for alternative dispute resolution. In the Slovak Republic, the competent authority is the Slovak Trade Inspection or another competent authorized legal entity registered in the list of alternative dispute resolution entities maintained by the Ministry of Economy of the Slovak Republic. The consumer may use the online dispute resolution platform available on the website http://ec.europa.eu/consumers/odr/ to submit a proposal for alternative dispute resolution of their consumer dispute. 

4.15. The Consumer is entitled to withdraw from the Framework Contract concluded outside the premises of the Service Provider within 14 days from the date of conclusion of the Framework Contract without giving any reason. The withdrawal period shall be deemed to have been observed if the notice of withdrawal is sent to Ci investment group, s.r.o. no later than on the last day of this 14-day period. 

4.16. When exercising the right to withdraw from the Framework Agreement, please inform us of your decision to withdraw from this Agreement by an unequivocal statement (e.g. by letter sent by post, fax, or e-mail) to Ci investment group, s.r.o., Huszova 4994/6, 058 01 Poprad, e-mail: [email protected] The Consumer may also use the withdrawal form provided by the Company by sending it to the address mentioned in this point. 

4.17. If the provision of the service has commenced with the Consumer's express consent and the Consumer has declared that he has been duly informed that by expressing such consent he loses the right to withdraw from the contract after the full provision of the service, and if the full provision of the service has taken place. 

4.18. The Framework Agreement is concluded for an indefinite period. The Consumer shall be entitled to terminate the Framework Contract in writing or by electronic means, even without giving any reason, with a two-month notice period, which shall commence on the first day of the calendar month following the month in which the notice of termination was delivered to the other Party unless the Parties agree otherwise. 

4.19. There is no minimum duration of the Consumer's obligations under the Framework Agreement, but if the Consumer enters into a Loan Agreement facilitated by the Company, the duration of the Consumer's obligations is linked to the termination of the obligations under the Loan Agreement.

5. General, common and final provisions

5.1 During the Registration and Identification process as well as during the term of the Framework Agreement, the Investor is obliged to provide only true, correct, up-to-date and correct information and documents to the Company at all times, otherwise the Framework Agreement shall be cancelled.

5.2 The Parties expressly agree that their mutual legal relations shall be governed by the provisions of the Slovak legal order, in particular by the Civil Code. The general courts of the Slovak Republic shall have jurisdiction to adjudicate disputes between the Investor and the Company.

5.3 These Terms and Conditions are for the information of Investors and are not a legally binding document, for which reason the Company reserves the right to unilaterally amend and/or supplement the Terms and Conditions.

These Terms and Conditions shall come into force and effect on 1 June 2021.

6. Definition of politically exposed person

According to § 6 of Act No. 297/2008 Coll. on protection against the legalization of proceeds of crime and on protection against the financing of terrorism and on amendment and supplementation of certain acts:

1) For the purposes of this Act, a politically exposed person means a natural person who is or has been entrusted with a significant public function. 

2) An important public function is 

a) the Head of State, the Prime Minister, the Deputy Prime Minister, a Minister, the head of a central government body, the Secretary of State or a similar deputy minister, 

b) a member of the legislature, 

c) a judge of the Supreme Court, a judge of the Constitutional Court or other higher judicial authorities whose decision, except in special cases, can no longer be appealed against, the President of the Judicial Council of the Slovak Republic, the Vice-Chairman of the Judicial Council of the Slovak Republic, the President of the Specialised Criminal Court, the Vice-Chairman of the Specialised Criminal Court, the President of a Regional Court, the Vice-Chairman of a Regional Court, the President of a District Court or the Vice-Chairman of a District Court, 

d) a member of the Court of Auditors or of the Board of the Central Bank, 

e) ambassador, chargé d affaires, 

f) a high-ranking member of the armed forces, the armed forces or the armed security forces, 

g) a member of the management body, supervisory body, or controlling body of a State-owned enterprise or a commercial company owned by the State, 

h) Attorney General, Deputy Attorney General, Special Prosecutor, Deputy Special Prosecutor, County Prosecutor, Deputy County Prosecutor, District Attorney, or Deputy District Attorney, 

i) a person in any other similar function of national or regional importance or any other similar function exercised in the institutions of the European Union or in international organizations, 

j) a member of a statutory body of a political party or political movement. 

3) For the purposes of this Act, a politically exposed person includes a natural person who is 

a) a spouse or a person who has a similar status to that of the spouse of a person referred to in paragraph 1, 

b) a child, son-in-law, daughter-in-law of a person referred to in paragraph 1, or a person having a similar status to a son-in-law or daughter-in-law of a person referred to in paragraph 1; or 

c) the parent of a person referred to in paragraph 1. 

4) For the purposes of this Act, a politically exposed person includes a natural person who is known to be the ultimate beneficiary of 

a) the same client or otherwise controls the same client as a person referred to in paragraph 1 or carries on business together with a person referred to in paragraph 1; or 

b) a client which has been established for the benefit of a person referred to in paragraph 1.

7. Definition of the sanctioned person

Sanctions - means any economic, financial or trade (or otherwise designated) sanctions or embargoes or any other restrictive measures resulting from generally applicable law or any decision, measure or regulation adopted by the Sanctions Authority, except for sanctions which may not be complied with pursuant to Council Regulation (EC) No. 2271/96 of 22 November 1996 on protection against the effects of the application of laws adopted by a third country outside its territory and of measures based thereon or resulting therefrom, as subsequently amended, or any other generally binding regulation replacing it. 

Sanctioned person means, in relation to any Sanction, a person who: 

(a) is listed on the Sanctions List or is (to the extent determined by the relevant Sanctions) owned or controlled by a person listed on the Sanctions List or is (to the extent determined by the relevant Sanctions) a person acting on behalf of any such person, 

(b) has its registered office or place of business in a State or territory affected by the Sanctions or is incorporated under the laws of a State affected by the Sanctions or is (to the extent determined by the relevant Sanctions) owned or controlled by such a person or is (to the extent determined by the relevant Sanctions) a person acting on behalf of any such person; or 

(c) is otherwise an objective of the Sanctions. 

Sanctioning authority - means any of the following: 

a) United States of America, 

(b) United Nations, 

(c) the European Union and any of its Member States, 

(d) the United Kingdom, 

e) any authority or agency of any of the states or institutions listed above in this definition and also of the state in which the Client or Guarantor is domiciled, including: 

(i) the President, the Cabinet, the Congress, the United States Department of State, and the Office of Foreign Assets Control ("OFAC"), the Secretary of the Treasury of the United States, 

(ii) the United Nations Security Council, 

(iii) Her Majesty's Treasury ('HMT') and the Department for Business, Energy and Industrial Strategy of the United Kingdom 

Sanction list means: 

(a) the list designated as the ''Specially Designated Nationals and Blocked Persons List'' maintained by OFAC and the list of persons sanctioned by the U.S. Department of State, as published in the Federal Register 


(b) a list designated as the "Consolidated List of Financial Sanctions Targets" and the "Investment Ban List" maintained by HMT; or 

(c) any similar list maintained by the United Nations Security Council or the European Union; or 

(d) any similar list or document maintained by any Sanctioning Authority, as amended or supplemented from time to time, or any successor list.

8. Information obligations of the service provider

We pride ourselves on the transparency and truthfulness of the information we provide. Here you will find all the necessary information about the services we provide: their nature, our main activities, their price and payment terms, the procedure for handling complaints, the resolution of any disputes, as well as the duration of the contract, the right to withdraw from it, the minimum duration of the obligations, the price for the use of means of remote communication and the Consumer's obligation to pay the Provider the price for the performance actually provided. 

Who are we and where can you contact us?
The Provider or the Company is:
→ Ci investment group s.r.o. 
→ with registered office at Huszova 4994/6, 05801, Poprad 
→ registered in the Commercial Register of the District Court Prešov, Section: Sro 
→ insert number: 37826/P 
→ CIN: 52 234 380 
→ phone number: +421 910 548 844 
→ e-mail address: [email protected] 

The main characteristics of the goods or the nature of the service to the extent appropriate to the means of communication and the goods or service used: 

Company Ci investment group, s.r.o. (hereinafter referred to as "Provider" or "Company") provides consumers with services of mediation of providing own funds to business projects of selected business entities on the basis of a loan agreement in the form of crowdfunding, the conclusion of which is mediated by the Company to the consumer. The Company, therefore, searches for suitable business projects and therefore searches for suitable potential borrowers for the purpose of arranging the conclusion of a loan agreement to the consumer as a prospective lender. 

The main activities within the services provided further include: 

→ active access to the Investors' Club web interface 
→ search for suitable future borrowers for the purpose of concluding individual loan agreements under the terms and conditions set out in the Framework Agreement on investment intermediation (hereinafter referred to as the "Framework Agreement")
→ securing the collection (receipt) of funds from the consumer for the purpose of providing them to a future Borrower on account of the consumer's obligation to provide a loan under a future loan agreement 
→ ensuring the administration and control of the repayment of loans by individual future borrowers. ensuring the collection of the loan proceeds and the loan principal itself from the individual borrowers and their remittance to the Investor 

The business name and registered office or place of business of the Provider or the person on whose behalf the Provider acts: 

→ Ci investment group, s.r.o., Huszova 4994/6, 058 01 Poprad 
→ business register: registered in the Commercial Register of the District Court Prešov, Section: Sro, 
→ insert number: 37826/P 

The telephone number of the Provider and other data relevant for the Consumer's contact with the Provider, in particular the Consumer's e-mail address and fax number, if any: 

→ phone number: +421 910 548 844 
→ e-mail address: [email protected] 
→ mailing address: Huszova 4994/6, 058 01 Poprad

The address of the Provider or the person on whose behalf the Provider is acting, where the Consumer may lodge a claim for goods or services, lodge a complaint or any other complaint: 

→ Ci investment group, s.r.o., 
→ Huszova 4994/6, 058 01 Poprad 

The total price of the goods or services, including value-added tax and all other taxes, or, if by reason of the nature of the goods or services the price cannot reasonably be determined in advance, the manner in which it is calculated, as well as the cost of transport, delivery, postage, and other costs and charges, or, if such costs and charges cannot be determined in advance, the fact that the total price may include such costs or charges; in the case of a contract of indeterminate duration or a subscription agreement, the Provider shall inform the Consumer of the total price for the billing period and, if that price cannot be determined in advance, of the manner in which it is calculated: 

The Company provides services to the Consumer free of charge. 

Delivery terms, the time by which the Provider undertakes to deliver the service: 

The Company undertakes to provide the service to the Consumer at the time specified in the investment order. 

Payment terms: 

The Company provides services to the Consumer free of charge. 

Information on the procedures for the application and handling of claims, complaints and complaints from Consumers: 

A) The Consumer is entitled to effectively make a complaint about the service provided, without undue delay after becoming aware of the fact giving rise to his/her right to make such a complaint, and is also entitled to file a complaint or other complaint about the Company's procedure in relation to the services provided by the Company, namely: 

a) in writing at Huszova 4994/6, 058 01 Poprad 

b) by means of remote communication at: [email protected] 

c) by telephone at +421 910 548 844 

d) in person at the registered office of the Company at Huszova 4994/6, 058 01 Poprad 

B) The complaint must make it clear who is making it, what it relates to, and what it seeks to achieve. In particular, the complaint must describe the facts precisely identifying the activity, service, or other deficiency in the service provided by the Company to the Consumer. The Consumer is obliged to submit together with the complaint all documents relating to the service complained of, proving the facts alleged by the Consumer. In the event that the claim does not contain the required elements, the Company shall be entitled to invite the Consumer by telephone or in writing to clarify the claimed claim or to complete the required documents. In the event that the Consumer does not specify the claimed claim or does not provide documents related to the claimed service proving the facts claimed by the Consumer, the Company shall base its handling of the claim on the available information and documents. 

C) In the case of a claim made in person, the Company shall be obliged to make a written record if the Company consents to its making. In the case of a complaint made by telephone, the Company shall be obliged to make an audio recording if the Consumer consents to its making, provided that the identity of the Consumer is verified by means of security features. For complaints submitted electronically, in cases where the Company cannot verify the identity of the Consumer, the Company shall provide the writer of the submission with a response in the form of general information electronically, and shall process the complaint in writing, so as to ensure the protection of the Consumer's personal data. 

D) After the Consumer has made a claim, the Company is obliged to inform the Consumer of the following rights: 

a) the consumer has the right to have his/her complaint handled in one of the ways provided by law within 30 days from the date of its application, the following shall be considered as lawful handling of the complaint: - prompt proper provision of the service (i.e. provision of the service in accordance with the relevant legislation), - agreement on cancellation of the provided service and settlement of all liabilities, - provision of reasonable compensation by the Company for defective provision of the service, - reasoned refusal; 

b) the Consumer has the right to demand from the Company that the Company: - provide services of normal quality, - observe the principle of equal treatment in relation to the Consumer, - do not impose an obligation on the Consumer without a legal reason, - do not deny the Consumer his rights, - do not act contrary to good morals; 

c) the Consumer has the right to determine the manner of handling the complaint, in particular the right to demand that: - the service provided by the Company is provided in accordance with generally binding legislation, - the fault in the provision of the service by the Company is promptly eliminated, - the Consumer is provided with adequate compensation by the Company for the defective provision of the service, 

d) the Consumer shall have the right to request that the Company, based on the Consumer's decision pursuant to paragraph c) of this clause, determine the method of handling the complaint immediately, in complex cases within three working days from the date of the complaint, in justified cases, in particular if a complex evaluation of the condition of the service provided is required, no later than 30 days from the date of the complaint; 

e) the handling of the complaint is without prejudice to the Consumer's right to compensation for damages under a special regulation (Civil Code); 

E) The Company is obliged to issue a confirmation to the Consumer when making a claim. If the claim is made by means of remote communication, the Company is obliged to deliver the confirmation of the claim to the Consumer immediately; if it is not possible to deliver the confirmation immediately, it must be delivered without undue delay, but at the latest together with the proof of the claim; the confirmation of the claim does not have to be delivered if the Consumer has the opportunity to prove the claim in another way. 

F) The Company shall decide on the handling of the complaint without delay and the Consumer shall be informed of the outcome of the complaint in writing within 30 days from the date of the complaint. After the expiry of the time limit for the settlement of the complaint, the Consumer shall have the right to withdraw from the Framework Contract. 

G) A valid claim by the Consumer does not relieve the Consumer of the obligation to fulfill its obligations to the Company throughout the duration of the claim procedure. 

Information about the possibility and conditions for resolving a dispute through the alternative dispute resolution system: 

In the event of dissatisfaction with the manner in which the Company handles the complaint, the Consumer has the right to contact the Company with a request for redress. If the Company responds negatively to the said request of the Consumer or does not respond to it within 30 days of its dispatch, the Consumer has the right to file a motion for the initiation of an alternative dispute resolution pursuant to the provisions of Section 12 of Act No. 391/2015 Coll. to the authority competent for alternative dispute resolution. In the Slovak Republic, the competent authority is the Slovak Trade Inspection or another competent authorised legal entity registered in the list of alternative dispute resolution entities maintained by the Ministry of Economy of the Slovak Republic. The consumer may use the online dispute resolution platform available on the website https://ec.europa.eu/consumers/odr/main/index.cfm?event=main.home2.show&lng=SK to submit a proposal for alternative dispute resolution of his/her consumer dispute. 

Information about the Consumer's right to withdraw from the contract, the conditions, time limit and procedure for exercising the right of withdrawal: 

1. The Consumer is entitled to withdraw from the Framework Contract concluded outside the premises of the Service Provider within 14 days from the date of conclusion of the Framework Contract without giving any reason. The withdrawal period shall be deemed to have been observed if the notice of withdrawal is sent to Ci investment group, s.r.o. no later than on the last day of this 14-day period. 

2. When exercising the right to withdraw from the Framework Contract, please inform us of your decision to withdraw from this contract by an unambiguous statement (e.g. a letter sent by post, fax, or e-mail) to Ci investment group, s.r.o., Huszova 4994/6, 058 01 Poprad, e-mail: [email protected] The Consumer may also use the withdrawal form provided by the Provider by sending it to the address mentioned in this point. 

Information that the Consumer is not entitled to withdraw from the contract: 

If the provision of the service has been commenced with the Consumer's express consent and the Consumer has declared that he has been duly informed that by expressing such consent he loses the right to withdraw from the contract after the full provision of the service, and if the full provision of the service has taken place. 

Information on the duration of the contract if it is a fixed-term contract; if it is an open-ended contract or a contract which is automatically extended, information on the conditions for terminating the contract: 

For an indefinite period of time, the Consumer is entitled to terminate the Framework Contract in writing or by electronic means, even without giving any reason, with a two-month notice period, which shall commence on the first day of the calendar month following the month in which the notice of termination was delivered to the other Party, unless the Parties agree otherwise. 

Information on the minimum duration of the Consumer's obligations under the contract, if the contract implies such an obligation for the Consumer: 

There is no minimum duration of the Consumer's obligations under the Framework Contract, however, if the Consumer enters into a Loan Contract facilitated by the Company, the duration of the Consumer's obligations is linked to the termination of the obligations under the Loan Contract. 

The price for the use of the means of long-distance communication that can be used for the purpose of concluding the contract, if it is a premium-rate service number: 

Does not apply. 

Information about the Consumer's possible obligation to pay the Provider the price for the performance actually provided pursuant to § 10 paragraph 5, if the Consumer withdraws from the service contract after having given the Provider explicit consent pursuant to § 4 paragraph 6: 

Does not apply. 

Last updated on December 25th, 2021.

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Privacy Policy   |   Terms and conditions   |   +421 910 548 844   |  [email protected]  | Invest in Slovakia is operated by Ci investment, s.r.o, Levočská 10, 058 01 Poprad, Slovakia.
If you would like to learn more about which Invest in Slovakia entity you receive services from, or if you have any other questions, please contact us via chat in the Invest in Slovakia app, or by email at [email protected]. Platform investinslovakia.eu does not provide investment advice and individual investors should make their own decisions or seek independent professional advice if they are unsure about the suitability of any investment for their individual needs. The value of investments can rise or fall depending on market developments and unforeseen circumstances. Bear in mind that when investing in loans your capital is subject to risks and is not subject to any protection mechanism. For more information, see FAQ (the most common questions about their answers).
NBS. On the basis of Regulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European crowdfunding service providers for business and amending Regulation (EU) 2017/1129 and Directive (EU) 2019/1937 (the "Regulation on European crowdfunding service providers for business"), crowdfunding will become a legally regulated activity. From the nature of the Regulation in question, it is expected that the authority authorising and supervising the activities of crowdfunding service providers within the Slovak Republic will be the Ministry of Finance of the Slovak Republic or the National Bank of Slovakia. As a provider of crowdfunding services, we welcome this effort of the European Parliament and we are ready to actively participate in the implementation of the Regulation in order to clarify and set uniform rules for crowdfunding within Slovakia as well as throughout the European Union.
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