If you do not agree to the Platform User Agreement and Investor Platform Fee, from 2025.04.01 your ability to invest will be suspended. You will be able to log in to your account, view your portfolio, investment status, place orders and sell investments on the secondary market, but you will no longer be able to invest on the primary or secondary market, either manually or through the automated investment adverts functionality.

Important: If you have active investments, the payments received for them will continue to be transferred to your account.

Yes, you can agree or disagree to the Platform User Agreement at any time, but you can only do so once every six months for free.

If you decide to stop using the platform for a second time within the 6-month period, your investment opportunity will be suspended. You will only be able to reconfirm the contract and resume investing free of charge 6 months after the date of this second non-acceptance. If you wish to return to the platform before this period, you will need to confirm the terms and conditions and pay a one-off renewal fee of EUR 6.
 

Yes, you will still be able to sell your active investments on the secondary market, even if you do not accept Platform User Agreement and the Investor Platform Fee.

The Investor Platform Fee will be deducted directly from the investor's primary account each month. If there are insufficient funds in the primary account, but funds are available in other NEO Finance accounts, the Investor Platform Fee will be automatically deducted from the available funds in other NEO Finance accounts.

If there are not enough funds in the account to pay the fee, the system will deduct as much as possible, and the remaining unpaid amount will be recorded as an outstanding obligation. The fee will be automatically covered as soon as funds become available.

A negative balance can accumulate for up to 6 months. If, at the same time, the account receives enough funds for both fee payment and investments, the outstanding fee will be covered first.

If within 6 months the account does not receive enough funds to cover the accumulated fee, platform services will be restricted – investing in both the primary and secondary markets, as well as creating automatic investment listings, will not be possible. Service restrictions will remain in place until the full accumulated fee is paid. During the service suspension period, while you cannot use the platform, the Investor Platform Fee will not be charged.

Yes, the fee will be recorded as an outstanding obligation for up to 6 months.

There won't be, because the Investor Platform Fee is linked to the peer-to-peer lending platform.

New investors will not be charged the Investor Platform Fee for the first 6 months from the date of registration.