Terms & Conditions

1. Purpose

These Terms & Conditions (“Terms”) govern access to and use of the CrowdInform website located at https://crowdinform.com and any related services, content, and features (collectively, the “Website”). They define the services provided by CrowdInform OÜ to Users and Registered Users, including additional services available to verified Crowdfunding Platforms through the Admin Panel.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.


2. Definitions


3. Services Provided by the Company

The Company aims to make crowdfunding and alternative investments more accessible by operating an independent information hub that offers:

  1. Directory of European CFPs – A curated and periodically updated list of European crowdfunding and alternative-investment service providers with high-level information to help Users discover and compare providers.

  2. Project Listings – Aggregated project information sourced from selected CFPs and/or publicly available sources.

  3. Platform Reviews – Functionality allowing Registered Users to submit ratings and Reviews regarding CFPs.

  4. Knowledge Hub – Educational articles, tools, and resources prepared by CrowdInform and external experts to help Users understand opportunities and risks associated with crowdfunding.

  5. CFP Admin Panel (Verified CFP Service) – Upon successful verification (Section 6), a CFP may be granted Admin Panel access to (i) update and supplement its profile information on the Website, (ii) add and manage Projects, (iii) post news and updates, and (iv) maintain FAQs, each subject to quotas/limits communicated by the Company and these Terms.

Important: The Website is an information and analytics service only. The Company is not a party to any transaction between Users and CFPs, does not host, operate, or intermediate investment offerings, and does not provide investment, legal, tax, accounting, or other professional advice.


4. Eligibility & Registration

4.1 Age. You must be at least 18 years old to use the Website or create an account.
4.2 User Accounts. Registration may be completed with a Google account or by providing an email address and password and accepting these Terms and the Privacy Policy.
4.3 Account Security. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. Notify the Company promptly of any suspected unauthorized use.
4.4 Comments/Reviews. Only Registered Users may submit Reviews or comments.


5. User & Registered User Rights and Responsibilities

5.1 Permitted Use. Users and Registered Users may access and use the Website in accordance with these Terms.
5.2 Prohibited Conduct. You agree not to:

5.3 Reviews & Comments. Reviews should be honest, relevant, and based on genuine experience or research. The Company may, in its sole discretion, moderate, edit, or remove any Review or comment (see Section 11).


6. Verified CFP Access (Admin Panel)

6.1 Application & Verification. A CFP seeking Admin Panel access must apply to the Company and provide proof of ownership or authorized representation, as requested by the Company (e.g., corporate documents, domain/email verification, or a signed authorization). Approval is at the Company’s sole discretion.

6.2 Access & Scope. Once approved, the Company will assign one or more CFP Admin Users with limited Admin Panel rights to:

6.3 Quotas & Limits. The Company may impose or modify limits on the number of Projects, FAQs, news posts, and other items a CFP can publish or maintain (e.g., per month or total). Limits will be communicated in the Admin Panel or by notice and may vary by CFP, plan, or promotional program.

6.4 Content Standards. CFP-submitted content must be accurate, lawful, non-misleading, and compliant with these Terms and applicable laws. No false or unsubstantiated claims, performance figures, guarantees, or advertising that could mislead Users are permitted.

6.5 Moderation & Suspension. The Company may review, edit, reject, or remove any CFP-submitted content and may suspend or revoke Admin Panel access at any time (with or without notice) for violations of these Terms, suspected abuse, legal risk, repeated complaints, or at the Company’s discretion.

6.6 Fees & Separate Agreements. The Company may introduce paid plans or fees for Verified CFP services. Any paid plan, service level, pricing, invoicing, and billing terms will be governed by a separate written agreement between the Company and the CFP. In case of conflict, such separate agreement prevails over these Terms with respect to the paid features.


7. Intellectual Property & Content Licenses

7.1 Company IP. The Website, its design, compilation, software, and all Company-created content are owned by or licensed to the Company and protected by intellectual-property laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works.

7.2 User/CFP-Submitted Content.

7.3 Aggregated & Anonymized Data. The Company may use information submitted by CFPs and publicly available data to create analyses, statistics, benchmarks, and other derivative works, including for commercial services, provided that such use does not disclose confidential information or identify natural persons contrary to the Privacy Policy.


8. Information Sources, Accuracy & No Endorsement

8.1 Sources. Project and CFP information may come from publicly available sources, automated collection, or direct submissions by CFPs. The Company does not independently verify all such information.
8.2 No Endorsement. Listings, rankings, “TOPs,” badges, or inclusion in the directory do not constitute endorsement or recommendation by the Company.
8.3 No Obligation to Update. Information may become outdated or incomplete. The Company does not guarantee timeliness, completeness, or accuracy.


9. No Investment, Legal, or Tax Advice

All content on the Website is provided for informational purposes only and does not constitute investment, legal, tax, accounting, or other professional advice, a solicitation, an offer, or a recommendation to buy or sell any security or to engage in any investment activity. You should obtain advice from qualified professionals and conduct your own due diligence before making any decision.


10. Risk Statement

Investing through or in connection with crowdfunding and alternative investments involves significant risk, including the possible loss of part or all of the invested capital, illiquidity, and limited information. Past performance is not indicative of future results. You are solely responsible for your decisions and for understanding applicable risks and regulations.


11. Moderation; Takedown; Enforcement

11.1 Company Rights. The Company may, at its sole discretion and without prior notice:

11.2 Repeat Violations. The Company may delete a Registered User account that repeatedly posts violent, offensive, unrelated, or advertising content, or otherwise abuses the Website.

11.3 Notice of Concerns. If you believe content is unlawful or infringes rights, please contact [email protected] with sufficient detail for review.


12. Fees and Payment (CFP Services)

12.1 Introduction of Fees. The Company may introduce fees for certain CFP services (e.g., extended quotas, premium placement, analytics).
12.2 Separate Agreement. Any paid service is subject to a separate written agreement that will set out pricing, billing, taxes/VAT, plan limits, and cancellation/refund terms. If you use a paid service, you agree to pay all amounts due under that agreement.


13. Availability; Changes; Beta Features

13.1 Availability. The Website may be unavailable from time to time due to maintenance, updates, failures, or causes beyond the Company’s control.
13.2 Changes. The Company may modify, add, or remove any feature, content, quota, or service at any time.
13.3 Beta/Trial. Certain features may be labeled “beta,” “trial,” or similar and may be subject to additional terms, reduced support, or change without notice.


14. Term; Termination

14.1 Your Right to Terminate. Registered Users may request account deletion by emailing [email protected] from the email address used to create the account.
14.2 Company’s Right to Terminate. The Company may suspend or terminate access to the Website (including Admin Panel access) at any time, with or without notice, for any reason, including violation of these Terms, legal/regulatory risk, or business reasons.


15. Disclaimers

15.1 “As Is” Information. All information is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, title, non-infringement, or quiet enjoyment.
15.2 Third-Party Content & Links. The Website may contain third-party content and links. The Company is not responsible for, and does not endorse, any third-party websites, products, services, or information.
15.3 No Transaction Involvement. The Company is not a party to, nor responsible for, any communications, offers, diligence, transactions, or disputes between Users and CFPs.


16. Limitation of Liability

To the maximum extent permitted by law, the Company and its officers, directors, employees, contractors, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages; loss of profits, revenues, goodwill, data, or business interruption; or claims relating to errors, omissions, delays, inaccuracies, or unavailability of the Website, even if advised of the possibility of such damages.
In all cases, the Company’s aggregate liability for any claim arising out of or relating to the Website or these Terms shall not exceed EUR 100 or the amount you paid to the Company for the service giving rise to the claim in the twelve (12) months preceding the event, whichever is greater.

Some jurisdictions do not allow certain exclusions or limitations; in such cases, the exclusions/limitations apply to the fullest extent permitted by law.


17. Indemnification

You agree to defend, indemnify, and hold harmless the Company from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Website; (b) your content or Reviews; (c) your violation of these Terms; or (d) your violation of any law or third-party right.


18. Data Protection & Privacy

Your personal data will be processed in accordance with our Privacy Policy (https://crowdinform.com/privacy-policy). By using the Website, you consent to such processing and warrant that all data provided by you is accurate.


19. Communications & Electronic Notices

By creating an account or providing your email address, you consent to receive communications from the Company electronically (e.g., emails, in-product messages). You agree that such communications satisfy any legal requirement that such communications be in writing.


20. Governing Law; Jurisdiction

These Terms are governed by the laws of the Republic of Estonia, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction and venue of the competent courts of Harju County, Estonia, for any dispute arising from or relating to these Terms or the Website, subject to any mandatory consumer-protection rights.


21. Changes to These Terms

The Company may amend these Terms at its sole discretion at any time. Changes are effective upon posting on the Website (or as otherwise stated). Your continued use of the Website after the effective date constitutes acceptance of the revised Terms.


22. Miscellaneous


Short Summary (non-contractual)