These Terms & Conditions govern the relationship between Quenvantor d.o.o. (the "Provider") and the user of the website and platform quenvantor.com (the "User"). By using the platform you accept these Terms in full.
Quenvantor d.o.o., Ulica grada Vukovara 271, 10000 Zagreb, VAT ID (OIB): 12345678901, MBS: 081234567, registered with the Commercial Court in Zagreb. Share capital EUR 20,000.00 fully paid in. Quenvantor is a licensed crowdfunding service provider under Regulation (EU) 2020/1503 (ECSP) — HANFA authorisation no. ECSP-HR-2024-0042.
The platform connects project owners (borrowers) with investors (lenders) for the purpose of financing real-estate projects through a crowdlending loan model. Quenvantor does not provide investment advice within the meaning of the Croatian Capital Markets Act and does not assume the risk of loss of the invested capital. Quenvantor is not a party to the loan agreement between the borrower and the investor.
Users must be adults resident in the Republic of Croatia or in another EU member state. During registration you must complete the KYC procedure and pass the appropriateness test for non-sophisticated investors under Art. 21 of the ECSP Regulation. Quenvantor reserves the right to refuse registration.
Investing in crowdfunding projects entails significant risk, including total loss of the invested funds, payment delays, reduced expected return and the risk of borrower default. Investments are not covered by any deposit-guarantee scheme under the Croatian Deposit Insurance Act. Past performance is no guarantee of future results. A 4-calendar-day reflection period is guaranteed for non-sophisticated investors.
Quenvantor charges fees exclusively to project owners (borrowers). Investors pay no fee for opening an account, depositing funds or receiving pay-outs. Any bank charges related to deposits and withdrawals are borne by the user according to their bank's fee schedule.
All content on quenvantor.com — including the logo, texts, graphics, design and software — is the property of Quenvantor or its licensors and is protected by copyright law. Reproduction without written consent is prohibited.
Quenvantor undertakes to provide the service professionally and in compliance with its licensing obligations, but is not responsible for users' business decisions or for the success of individual projects. Quenvantor is not liable for indirect damage, lost profit or lost opportunity. Liability is limited to the total amount of fees the user has paid to Quenvantor over the previous 12 months.
The user may request closure of their account at any time, provided there are no active investments. Quenvantor may temporarily or permanently suspend an account in case of breach of these Terms, suspicion of abuse or upon request of a competent authority.
Complaints must be submitted in writing to info@quenvantor.com. Quenvantor is required to respond within 15 business days. If you are not satisfied with the resolution, you may contact HANFA or initiate proceedings before the competent alternative dispute-resolution body (Mediation Centre at the Croatian Chamber of Commerce).
These Terms are governed by the laws of the Republic of Croatia. The courts of Zagreb shall have jurisdiction over any disputes, subject to mandatory consumer-protection rules.