Iuvo: 7 questions about risk management and investors’ interests All answers are officially provided by Iuvo Group @ https://iuvo-group.com/en/ Q1. What is the procedure when an originator/creditor bankrupts? What is the worst thing that could happen to an investor in this scenario? A1. The worst thing that can happen to an investor in the scenario of Originator’s bankruptcy is to lose the funds they invested in loans of that credit company. This is the only risk of p2p platforms. However, not everybody is let on the platform. Every company goes through a special selection. It is needed to have had significant growth in the past three years. You can check the financial reports of our originators when you are not logged into your account. Follow this link and scroll a few times while you reach them: https://www.iuvo-group.com/en/market/#/p0=primary_market_pub_page;p2=undefined;lang=en_US Q2. What happens if the platform (or the company behind it) bankrupts? What is the worst that could happen to an investor in this scenario? A2. If iuvo bankrupts, the investors are still safe. Your funds are guaranteed by the Originators. If we bankrupt, a law firm will hire a competent administrator to bring back the platform. The available funds will get back to your bank account as soon as possible. The invested amount will be returned just like how it is now – when there is a paid installment/ activated buyback guarantee. Basically nothing will change, except that you wont have the opportunity to make new investments or to deposit more funds. Q3. Who secures and provides the Buyback guarantee - Iuvo or your creditors/originators? A3. The Originators. Q4. What guarantees the payment of the Buyback guarantee - is there a specialized fund that would supply it? If there is one, what happens if there are not enough funds or liquidity to cover the Buyback guarantee? A4. The Originators guarantee it with their capital. You can test it. It is not something that will happen very rarely and it will not endanger their stability. Q5. Is it possible for the Buyback guarantee to get delayed, longer than the expected 60 days term? A5. If an installment delays with 60 days, you receive your principle back on the 61st day. However, it is possible to have a bigger delay. If this happens, it is due to a technical issue, and if you notice something like that with one (or more than one) of your loans, we would like you to signal us, so we can contact the needed people, and get the issue fixed. Q6. Is it possible for the Buyback guarantee to not be applied (or just partially) and under what conditions (e.g. a lack of financial funds due to a lot of defaulted loans)? A6. All loans on our platform have 100% buyback guarantee. Q7. Do you plan to release any public information about your financial statements of the platform and the company behind it and if you do when can I expect it? A7. So far we do not plan on posting the financial statement of iuvo because what concerns our investors are the financial statements of the Originators.