This risks notice (hereinafter the "Notice") outlines risks associated with investing with QUANLOOP OÜ, a company registered in Estonia under the registry number 16200698, OSAÜHING QFM, a company registered in Estonia under the registry number 12748650, and other legal person or investment vehicle controlled or managed by any of them (hereinafter referred to as "we", "us" or "Quanloop") and is applicable to any person (hereinafter "you" or the "Investor") who applied to be approved as a Limited Partner via the website, www.quanloop.com or the mobile application (hereinafter the "Quanloop Application").
The information and content in the Quanloop Application are not investment advice and do not constitute any solicitation to invest.
Investment involves risks. They are inevitable and have to be accepted with all kinds of investing. A decision to invest is a personal decision of every investor who ultimately takes responsibility for it. Every investor is in a different position regarding their circumstances and possibilities to invest. Therefore, you have to evaluate the possible risks associated with a particular investment and consider their potential impact and consequences to you.
Your capital is not protected under mandatory compensatory guarantees upon companies to which you invested in failure to pay or insolvency. We, however, take the necessary measures imposed by legal instruments to limit investment risks. Regardless, you should not make any investments unless you are prepared to sustain a total loss of the money you have invested, plus any commission or other transaction charges.
Past performance does not indicate future performance. You should consult with independent financial professionals for detailed information, including risk factors, prior to making any investment decision. If you have any queries on the available information, you should seek independent professional advice.
Individual situations have not been accounted for in preparing the content of the Quanloop Application and, therefore, may not apply to your situation. You should consider your financial and other circumstances in understanding whether the information in this Quanloop Application is applicable to you before you make an investment decision. This Quanloop Application is prepared in good faith, and we do not accept liability for any omissions or investor-subjected errors.
Before you invest, please familiarise yourself with the process of investing. It helps to prevent irrational decisions, expectations, or fear regarding the investing process.
There is a market risk which is the possibility of you experiencing losses (decline in the value of an investment) due to factors that affect the overall performance of the financial markets in which you are involved. This risk is associated with events such as an economic downturn, a financial crisis, exchange rate fluctuation, natural disasters, terrorist attacks, or geopolitical events, etc. Because it usually affects the whole market, it is more difficult to hedge.
There are also legal or regulatory risks that are associated with the fact that legislative acts regulating different investment activities or channels or companies, or even the whole industry, may change during the investment period. Changing regulations can affect the costs of various operations (the main risk is the increase in the prices), also introduce different legal and administrative obstacles, etc. Because the changes in this area are made due to many reasons, there is usually little possibility to avoid them or the application of them. Still, it usually takes a long time and much outreach beforehand before the changes come into force; therefore, you can be informed and prepared at an early stage.
There is a political risk which is a change of investment value or terms due to the political changes or instability in the countries. It could stem from a change in government, legislative bodies, other foreign policymakers, military control, etc.
There is also a concentration risk that is related to your overall investing principles. This risk can occur in a situation where your investment portfolio is focused on one type of investment. The best way to manage this risk is to diversify your investments (for example, between different loans, companies, sectors, asset classes, etc.).
There is also an operational risk. You should be aware of the potential risks associated with the Quanloop Application itself. These risks may include technical issues, cyberattacks, or operational difficulties that could affect your ability to access your investments or receive returns. While we implement measures to mitigate these risks, you should be prepared for the possibility of Quanloop Application-related challenges.
There is also a liquidity risk. You should be aware that alternative investments may have limited liquidity. Unlike traditional financial markets, it may be challenging to exit investments before the loan terms end. Even though we offer underwriting reserve to mitigate this, you should consider their investment horizon and be prepared to hold your investments until maturity.
Lastly, the best available option to manage any risk or its impact is to consider very carefully and thoroughly whether the investment is suitable and affordable considering your circumstances, financial engagements, resources, and abilities. There is a good rule of thumb that you should not invest more money than you can afford to lose without altering your standard of living.
The above-mentioned list of general risks is not exhaustive and should not be considered as such.
By investing money in this Quanloop Application, you accept all risks associated with investing in general.
Disclaimer: Some text on this website is purely for marketing communication. Nothing published by Quanloop constitutes an investment recommendation, nor should any data or content published by Quanloop be relied upon for any investment activities. Quanloop strongly recommends that you perform your own independent research or speak with a qualified investment professional before making any financial decision.