Häufig gestellte Fragen

Before you start investing

What is Indemo?
Based in Europe, Indemo is a regulated platform that facilitates loan-based investments. When you join Indemo, you gain access to hundreds of investment opportunities from lending companies located in Spain.

Both retail and institutional investors have the opportunity to invest in loans and discounted debt products through Indemo. Lending companies can quickly and easily connect with investors seeking to earn returns on these loan-based investments.

Indemo is a licensed and supervised investment firm under the authority of Latvijas Banka, the central bank of Latvia. Furthermore, Indemo is a member of the National Investor Compensation scheme. The compensation is limited to the outstanding liabilities, up to €20 000. This does not include losses incurred from investments.
Wo investiere ich?
Sie investieren in Notes – Wertpapiere, die wirtschaftliche Teilhabe an den Zahlungsströmen aus der Verwertung (Workout/Zwangsvollstreckung) eines notleidenden Hypothekendarlehens (Non-Performing Loan, NPL) bieten, das durch eine Wohnimmobilie in Spanien besichert ist.
Jede Note ist einer bestimmten Immobilie und dem zugehörigen Verwertungsprozess des NPL zugeordnet. Das Darlehen wurde ursprünglich von einem regulierten Kreditgeber vergeben und später vom Foreclosure Agent (Zwangsverwertungsagent) am institutionellen Sekundärmarkt mit Abschlag erworben.
Die Notes werden von einer Zweckgesellschaft (Special Purpose Vehicle, SPV) innerhalb der Indemo-Gruppe emittiert. Die Rückzahlung der Investition durch den Foreclosure Agent erfolgt ausschließlich auf Basis der Verwertungserlöse (z. B. Verkauf der belasteten Immobilie oder Schuldenregulierung mit dem Kreditnehmer).
Sobald der Foreclosure Agent Rückzahlungen leistet, erhalten die Inhaber der Notes entsprechende Ausschüttungen.
How much time is required to manage my investments?
This depends on your investment style. If you choose a passive investment approach and use our Autoinvest feature, the time commitment required for managing your investments is typically minimal. However, if you prefer a more selective investment style and wish to choose each investment individually, then managing your investments will likely require more time.

Regardless of which strategy you choose, we encourage you to track your investment results and goals through your Indemo investor cabinet. We make sure to give you all the reports and data you need to get a clear picture of how things are going.
Is this a safe investment?
Any investment comes with risk, and your capital is always at stake. Indemo offers you opportunities to enter a market that is not only uncrowded, but far less volatile than the usual retail offerings. Investing in loans and credit is a tried and tested way for asset managers to generate healthy, stable returns — but it’s always been out of reach to the ordinary investor.

We’re bringing these investment options to our community — helping retail investors like you take advantage of the benefits of asset-backed products. Find out more by checking out the products we offer!
What steps do I need to take before I can invest on Indemo?
Before you invest on Indemo, we need you to complete a few steps to ensure safety and compliance. We're committed to making Indemo a safe and secure place to invest, and we take crime prevention very seriously. We require certain information from you to help us make the necessary checks. These include:

1. Register for an Indemo Account
2. Verify your identity
3. Complete a Suitability & Appropriateness assessment

We take our commitment to safety seriously and strive to prevent financial crimes. Therefore, we comply with applicable EU anti-money laundering laws and "Know Your Customer" policies. As part of this, we need to verify your identity and ask you questions about yourself to ensure it is really you.

As a licensed and supervised investment firm, it is our responsibility to ensure that the investment products we offer are suitable and appropriate for our investors. Based on your answers to our assessment, we will make certain ways of investing available to you and set a responsible investment limit for your account. You can retake the assessment at any time if your circumstances change.
How to Create an Account - Video
How to Create an Account - Blog
Is Indemo licensed by any financial authority?
How do I invest?
We believe that everyone should have the right to discover exciting investment opportunities, regardless of their budget. Starting from as little as €10.00, you can begin your investment journey and start building your portfolio with Indemo. Simply deposit some funds, pick an investment, and enjoy your returns. You can withdraw your returns at any time.

All investments on Indemo are executed through instruments called Notes. You can find out more about Notes on our product page. We offer two different ways to manage your investments; manual and automatic investing.

With manual investing, you explore, analyze, and purchase investment opportunities independently. This is for investors who prefer more control, and like to do their own research.

For automatic investing, Indemo offers a popular Auto-Invest tool. This tool allows you to set your own parameters, and then sit back and allow us to do the work for you. Once you've set your preferences and budget, the system will use your free funds to invest in opportunities on your behalf. Once returns are made on your investments, these will automatically be used to make further investments until you decide to withdraw.
How to Invest - Video
How to Invest - Blog
What is the Suitability and Appropriateness assessment and how does it affect me?
As an investment firm with a license, Indemo is obligated to ensure that the investment products offered are suitable and appropriate for investors according to MiFID II regulations. To ensure this, Indemo requires investors to complete a Suitability and Appropriateness assessment before they start investing. This assessment is designed to ensure that investors are aware of the risks of investing with Indemo and that their financial situation is suitable to handle these risks. It also determines whether the investment products offered by Indemo meet the expectations and needs of investors based on their knowledge and experience.
For individual investors, the Suitability and Appropriateness assessment consists of four sections of questions which cover the investor's financial situation, investment knowledge, investment experience, and investment goals. The questions for legal entity accounts may differ based on their legal status, and some sections may be skipped.
The results of the assessment determine which investment products are deemed suitable and appropriate for the investor. Investors will only have access to those investment products that are appropriate for them. However, manual investments are always available, although investors may receive a warning message before investing. The individual responsible investing requirement may also be set for an investor's automated strategies based on their investment goals and net worth. This requirement only applies to individuals and not legal entities.
Investors can see their current results, including the available investment products and the maximum amount they can invest with automated strategies, in the Suitability and Appropriateness section of their account. If a way of investing is not suitable for the investor based on their assessment answers, they will be able to see the reason why. If an investor's situation changes and they need to update their answers to the assessment, they can click on the "Edit" button in the top right corner of their account.
Where can I find the business details of Indemo?
How can I contact Indemo?
If you have any questions about Indemo, our FAQ is available for you to search at any time. Additionally, you can start a chat with us by using the support chat feature located in the bottom right corner of your screen. Our chat service is available from 9AM to 5PM Riga time. If you contact us outside of these hours, we will respond to your inquiry via email.

When you reach out to us through our support chat, please select the appropriate topic for your request and provide your email address associated with your Indemo account (if you are not logged in). Also, if you have an investor ID, please provide it as well.
Once you send your message, you will receive a confirmation email from us. We will do our best to respond to your message within 2 business days. If the request is account specific, relates to personal details and transactions, communication should be given only when you are logged in into your investor cabinet, and registered email and investor ID shall be provided.

Withdrawing Funds

What is the expected timeframe for the withdrawal to be processed and reach my bank account?
Withdrawals are typically processed within 1-2 business days. Depending on the type of transfer, it may take up to 2 business days for SEPA transfers in EUR, and up to 5 business days for transfers outside the EEA for the withdrawal to arrive at your bank account. However, there may be situations where we need to delay or reject your withdrawal. If you have not received your withdrawal and are uncertain about the reason, please contact us. We can check the status of your withdrawal request and provide you with proof of payment to assist you in locating the payment with your bank.
Wie hoch ist der Mindestbetrag, den ich von meinem Anlagekonto abheben kann?
Gibt es Gebühren für die Abhebung von Geldern?
Wie kann ich mein Bankkonto für Abhebungen ändern?

Investing in Notes

Was sind Notes?
Schuldverschreibungen sind Wertpapiere, , die durch Kredite oder Schulden besichert sind. Sie ermöglichen es Anlegern, in Hypothekendarlehen oder diskontierte Schulden in einem regulierten Umfeld zu investieren. Einfach gesagt, erhalten Sie durch die Investition in die Notes sowohl die Chancen als auch die Risiken der gewählten Kreditprodukte. Jede Note hat eine eindeutige Internationale Wertpapierkennnummer (ISIN) und besteht aus Notes mit einem Nennwert von jeweils 0,01 €.
Notes werden von einer Zweckgesellschaft (SPV) ausgegeben, die vom Indemo-Konzern kontrolliert wird und Teil dieses Konzerns ist. Dieser SPV-Emittent erwirbt Forderungen von den kooperativen Kredit- und Dienstleistungsunternehmen und stellt sie auf der Indemo-Plattform zur Verfügung. Der Kauf von Notes berechtigt Sie dazu, Einkommenszahlungen aus den Notes zu erhalten, sobald der Kreditnehmer oder Schuldner Zahlungen auf das verknüpfte Darlehen leistet.
Wie hoch ist der Mindest- und Höchstbetrag, der in eine einzelne Schuldverschreibung investiert werden kann?
Was passiert mit meiner Investition, wenn Indemo seine Tätigkeit einstellt?
Sollte Indemo zahlungsunfähig werden oder nicht in der Lage sein, seine Kunden zu bedienen, würden die für die Abwicklung einer Wertpapierfirma geltenden Regeln gelten. Die Rechte der Anleger an den Schuldverschreibungen würden unabhängig vom Status von Indemo bestehen bleiben. Das Insolvenzverfahren würde von der Latvijas Banka, der lettischen Zentralbank, geleitet und beaufsichtigt. Der bestellte Liquidator oder Verwalter würde die Funktionen des Vorstands übernehmen. Ihre Anlagekonten werden auf die Ersatz-Wertpapierfirma übertragen, die die Anleger und die entsprechenden Schuldverschreibungen im Einklang mit den geltenden Insolvenz- und Abwicklungsvorschriften weiter betreuen wird.
Darüber hinaus sind die nicht angelegten Gelder der Anleger und die Investitionen in die Schuldverschreibungen durch eine Anlegerentschädigungsregelung geschützt, die es Kleinanlegern ermöglicht, eine Entschädigung in Höhe von 90 % des dauerhaften Verlusts zu erhalten, der dadurch entsteht, dass Indemo die von dem Anleger gehaltenen Gelder oder Finanzinstrumente nicht entsprechend den Anweisungen des Anlegers überträgt, und zwar bis zu einem Höchstbetrag von 20 000 €. Weitere Informationen zum Anlegerschutz findest du in den FAQs auf der Indemo-Seite.
Welche Gebühren fallen an?
What is the minimum amount that can be invested?
Wie lange ist die Bindungsfrist für die Investition?
Die Kapitalbindungsdauer richtet sich nach dem im Note Summary angegebenen Fälligkeitsdatum (Maturity Date). Dieses Datum ist eine Schätzung auf Basis von Annahmen; der tatsächliche Rückzahlungstermin kann früher oder deutlich später eintreten. Der Zeitrahmen hängt ausschließlich vom Ausgang des Verwertungsprozesses und der Leistungsfähigkeit des Foreclosure Agent ab (z. B. Zeit bis zum Verkauf der Immobilie oder Schuldenregulierung durch den Kreditnehmer).
What is an asset-backed investment?
We work with carefully selected lending companies that provide loans to businesses and individuals to purchase real property. These companies often look to investors to fund the loans they issue — that’s where we come in.

Indemo gives you the opportunity to invest in these loans, and earn returns on the loan repayments, the interest accrued, or returns from mortgage enforcement. It’s a simple and efficient way for investors to profit from the lending market whilst increasing diversification.
Some of the benefits of asset-backed investments include:

- Real diversification for your portfolio
- Lower risk and lower volatility
- Real collateral with checkable market value situated in EU
- Higher yields and greater security compared to stocks and bonds
Warum kann eine Forderung durch mehrere Immobilien besichert sein?
Wie erziele ich Erträge?
>Sie erzielen Erträge, wenn der Foreclosure Agent Mittel aus der Hypothekenschuld realisiert (z. B. durch Verkauf der belasteten Immobilie oder durch Vergleich/Zahlung durch den Kreditnehmer).

Die zurückgeflossenen Mittel dienen zunächst der Rückführung Ihres eingesetzten Kapitals (Nominalbetrags). Ein etwaiger Überschuss wird anschließend gemäß dem im Serienprospekt festgelegten Gewinnverteilungsschlüssel (unter den Note-Bedingungen als „Interest“ angegeben) zwischen den Investoren und dem Foreclosure Agent aufgeteilt.

Die Ausschüttungen können teilweise und unregelmäßig erfolgen und laufen bis zur vollständigen Rückzahlung der Note.

Money Transfers

Wo wird das Geld der Anleger aufbewahrt?
Ich habe eine Einzahlung getätigt. Wie lange dauert es, bis das Geld auf mein Konto überwiesen wird?
Bitte beachte, dass es bis zu drei Werktage dauern kann, bis deine Einzahlung bearbeitet ist. Danach wird der Betrag deinem Konto gutgeschrieben und in deinem Profil angezeigt. Nach Erhalt Ihrer Zahlung werden wir die zuvor gesammelten und von deinem Zahlungsdienstleister bereitgestellten Informationen verarbeiten, um deine Identität zu überprüfen. Unsere Partnerbank kann zusätzliche Informationen anfordern, damit wir uns gegebenenfalls mit dir in Verbindung setzen können, um weitere Fragen zu klären.
Wie kann ich mein verknüpftes Bankkonto ändern?
Wie kann ich Einzahlungen auf mein Indemo-Anlagekonto vornehmen?

Autoinvest

How do I set up Autoinvest?
Can I make manual investments after activating Autoinvest?
How can I change Autoinvest parameters?
Where I can find the list of Notes invested through Autoinvest?
What happens if my Autoinvest reaches the maximum amount set by the responsible investing requirement?
If you have a private account, to meet the individual responsible investing standard set by the MiFID II regulation, Autoinvest will be set up to a certain predetermined amount. This amount is calculated based on your investment objectives and income as determined by your answers to the Suitability and Appropriateness assessment, and can be viewed in the relevant section of your account. Once your outstanding investments made through Autoinvest reach this limit, Autoinvest will automatically stop investing. However, as you receive repayments and your outstanding investments made through Autoinvest decrease below the set amount, Autoinvest will resume investing again. You can always modify your responses to the Suitability and Appropriateness assessment in your account settings if your circumstances change.
How can I stop Autoinvest and withdraw funds?
You can stop Autoinvest at any time by clicking on the Autoinvest button, then clicking on the Terminate button, and confirming your choice on the pop-up window. To withdraw part of the funds invested through Autoinvest, you have to decrease the Autoinvest Limit, or stop Autoinvest if you wish to withdraw the full amount. Once the investments are repaid, the funds will be available for withdrawal on your investment profile.
Wie erhalte ich Zugriff auf Autoinvest?
Die Verfügbarkeit der Nutzung von Autoinvest hängt direkt von den Ergebnissen der Eignungs- und Angemessenheitsbewertung ab, insbesondere von Ihrer Risikobereitschaft und Ihren Anlagezielen.
In Ihrem persönlichen Bereich unter „Persönliche Informationen“ können Sie prüfen, welche Produkte gemäß der Eignungs- und Angemessenheitsbewertung, die Sie beim Onboarding durchgeführt haben, für Sie geeignet sind.
Wenn Sie Autoinvest derzeit nicht aktivieren können, können Sie den Test erneut durchführen.

Data Protection

What is GDPR?
The General Data Protection Regulation (GDPR) is a comprehensive data protection regulation that outlines the rights of individuals in the EU and EEA regarding their personal data and the responsibilities of institutions and companies when processing and storing such data.
It also covers the transfer of personal data outside the EU and EEA. GDPR became directly applicable to all EU and EEA countries on May 25, 2018, and it imposes obligations on companies and organizations that process personal data related to individuals inside and outside of the EU and EEA.
The regulation defines personal data as any information that can be used to identify an individual. Indemo should adhere to and ensure its operation compliance to GDPR.
Where can I find what information Indemo holds about me?
Indemo holds various types of information about you, which can be accessed through your account settings. Your personal information such as Investor ID, name/last name, language preference, address, phone number, and email can be found under Personal Information. The responses you provided for the Suitability and Appropriateness assessment can be accessed and edited under Suitability and appropriateness.
Information and details about your account, including available funds, investments, pending payments, and funds in recovery, can be found on the Overview page. Notifications, tax statements and reports, current and finished investments, registered bank accounts, and transactions history can also be accessed through your account settings. Additionally, verification details, setting changes, emails, and other data are available upon request.
Finally, all current and past agreements between you and Indemo can be found under Agreements in your account settings.
Which categories of my personal data are being processed by Indemo?
Indemo processes various categories of personal data, such as identification, contact, financial, occupation, correspondence, location, cookies, and other data. These categories of data are further explained in our Privacy Policy (Section 2: Categories of the User's personal data). Indemo ensures that only the necessary categories of personal data are processed, in compliance with regulatory and data protection laws.

Setting up Indemo Account

What is the Suitability and Appropriateness assessment and how does it affect me?
As a regulated investment firm, Indemo is obligated to ensure that the investment products offered are suitable and appropriate for investors according to MiFID II regulations. Indemo therefore requires investors to complete a Suitability and Appropriateness assessment before they start investing. This assessment is designed to ensure that investors are aware of the risks of investing with Indemo and acknowledge that their financial situation is suitable to handle these risks. It also determines whether the investment products offered by Indemo meet the expectations and needs of investors based on their knowledge and experience.

For individual investors, the Suitability and Appropriateness assessment consists of four sections of questions which cover the investor's financial situation, investment knowledge and experience, risk appetite and investment goals. The questions for legal entity accounts may differ based on their legal status and business operations, and some sections may be skipped.

The results of the assessment determine which investment products are deemed suitable and appropriate for the investor. Investors will only have access to investment products that are appropriate for them. However, manual investments are always available, although investors may receive a warning message before investing. The individual responsible investing requirement may also be set for an investor's automated strategies based on their investment goals and net worth. This requirement only applies to individuals and not legal entities.

Investors can see their current results, including the available investment products and the maximum amount they can invest with automated strategies, in the Suitability and Appropriateness section of their account. If a way of investing is not suitable for the investor based on their assessment answers, they will be able to see the reason why. If an investor's situation changes and they need to update their answers to the assessment, they can click on the "Edit" button in the top right corner of their account.
What is my investor ID and where can I find it?
How can I change my contact information in my Indemo account?
It is important to keep your contact information updated to ensure you maintain access to your Indemo account. To update your phone number or address, follow these steps:
1. Log in to your Indemo account on the website
2. Go to your account settings and select "Personal information"
3. Click on "Edit" next to the information you wish to change
4. Once you have made your updates, click "Save" in the bottom right corner.
Note that a valid phone number is required in order to save any changes.
To change the email address associated with your Indemo account, please reach out to our Investor Service team for assistance.
How can I change my name on my Indemo account?
If you have changed your first or last name legally, it is important to inform Indemo about the change so that your account can be updated accordingly. To request a name change, you must provide an official document from the government confirming the name change, as well as your new identity document. Indemo Legal team can ask for additional information, documents or documents certification form. Here are the steps to follow:
1. Upload the document that confirms your name change.
2. Contact Indemo and request that your name be changed.
3. After your name has been updated, you will be required to verify your identity using your new identity document. You can learn more about the identity verification process on the Indemo website.
What is the reason for requiring supplementary identity documents or bank statements?
Indemo, being a licensed investment firm, is obligated to adhere to strict security checks and identity verification requirements. These requirements are in accordance with the prevailing EU anti-money laundering (AML) and customer verification regulations. Indemo is legally required to conduct its own compliance checks, even if other institutions have already done so.

We acknowledge that we may ask for sensitive information from our investors. However, we assure you that we treat all information with utmost confidentiality. Indemo operates under the General Data Protection Regulation (EU) 2016/679 (GDPR), which oversees data protection and privacy in the European Union, as well as under the Markets in Financial Instruments Directive (MiFID II) and European anti-money laundering directives (AMLD) We handle all personal data in accordance with our Privacy Policy and AML/CFT policies.
How can I upload documents to Indemo?
To ensure the security of your personal information, it is recommended that you email your documents through a password protected file. You can send word processing files (.docx), spreadsheet files (.xlsx), presentation files (.pptx), image files (.bmp, .png, .jpg), archive files (.zip, .7z, .rar, .tar), and PDF files.

In case you are having trouble logging into your account, and you need to upload a document, please contact us.
Who is allowed to register and invest?
Is it possible for citizens of the UK/US to make investments on the platform?

Referral Program

Wie funktioniert das Empfehlungsprogramm?
Durch die Teilnahme am Indemo-Empfehlungsprogramm kannst du Prämien verdienen, indem du Freunde einlädst, auf der Plattform zu investieren. Sobald sich ein Freund über deinen persönlichen Empfehlungslink anmeldet und mindestens 50 € investiert, erhalten sowohl du als auch dein Freund einen Bonus von 25 €. Du kannst beliebig viele Freunde einladen, um deine Prämien zu maximieren.
Außerdem erhältst du Zugang zu einer Übersicht, die die Empfehlungsdaten aufzeichnet. Schließe dich uns an, um die Investitionsdemokratie zu fördern und zum Wachstum und zur Entwicklung der Indemo-Plattform und -Gemeinschaft beizutragen!
Ausführliche Informationen und Bedingungen findest du im Blog zum Empfehlungsprogramm.
Wie kann ich Freunde einladen, Indemo beizutreten?
Um Freunde einzuladen, befolge diese Schritte:
1. Registriere dich oder logge dich in dein Indemo-Konto ein.
2. Gehe zum Abschnitt „Freunde einladen“, um auf deinen persönlichen Empfehlungslink zuzugreifen.
3. Gib deinen Link über soziale Medien, per E-Mail oder Direktnachrichten weiter.
4. Sobald dein Freund mindestens 50 € investiert, erhaltet ihr beide einen Bonus von 25 €.
Ist es möglich, eine Liste der Freunde einzusehen, die meine Indemo-Einladung angenommen haben?
Derzeit gibt es keine Funktion, mit der du sehen kannst, ob deine Freunde sich auf Indemo registriert oder ein Konto erstellt haben. Dies liegt an den Datenschutzbestimmungen. Wir empfehlen dir, deine Freunde direkt zu kontaktieren, um zu erfahren, ob sie bereits auf der Plattform investieren.
Falls du jemanden eingeladen hast und allgemeine Informationen über deine letzten Empfehlungen erhalten oder überprüfen möchtest, ob du den Code deines Freundes bei der Registrierung korrekt eingegeben hast, wende dich bitte an [email protected]. Wir helfen dir gerne weiter.
Gibt es Einschränkungen bei den Empfehlungsboni?
Empfehlungsboni werden als Investitionsguthaben verbucht und können nicht direkt abgehoben werden. Die mit diesem Guthaben erzielten Einnahmen können jedoch vollständig abgehoben werden.
Wenn du im Rahmen des vorherigen Programms jemanden geworben hast, erhalten du und die von dir geworbene Person weiterhin die ursprünglichen Provisionen von 1 % und 0,5 % bis zum Ende der ersten 365 Tage auf der Plattform.
Weitere Informationen findest du im Blog zum Empfehlungsprogramm.

Account Information

How do I create an account?
To create an account on Indemo's website, simply click on "Create Account" on the right upper corner of the page and follow these steps: Choose the account type - private (for individuals) or business (for companies).
Please note that each person or company can only have one Indemo account. Enter your personal/company information, provide an email address for communication, and select your country of residence.
If your country is not listed in the dropdown menu, it means we do not operate and provide services there and you cannot create an account with us.
Choose a password.
Congratulations! You have created an account. Before you can start investing, you will need to verify your email address, complete the identity verification process, answer some questions about yourself, and take the Suitability and Appropriateness assessment.
How to Create an Account - Video
How to Create an Account - Blog
Is it possible to create multiple Indemo accounts?
What is my investor ID and where can I find it?
In which languages is Indemo available?
Indemo ist in Englisch, Lettisch und Russisch für die Kommunikation mit unserem Support-Team und zur Einreichung von Beschwerden verfügbar. E-Mail-Benachrichtigungen werden nur auf Englisch versendet.
Die Indemo-App wird in Englisch, Spanisch, Deutsch und Lettisch angeboten, während die Indemo-Website in Englisch, Spanisch, Deutsch, Lettisch, Französisch und Litauisch verfügbar ist. Unser Blog wird auf Englisch veröffentlicht.
Wenn eine Beschwerde in einer anderen Sprache als Englisch, Lettisch oder Russisch eingereicht wird, kann die Prüfung aufgeschoben werden, bis alle angeforderten Informationen in einer dieser Amtssprachen vorliegen.
How can I change my name on my Indemo account?
If you have changed your first or last name legally, it is important to inform Indemo about the change so that your account can be updated accordingly. To request a name change, you must provide an official document from the government confirming the name change, as well as your new identity document. Here are the steps to follow:
1. Upload the document that confirms your name change.
2. Contact Indemo and request that your name be changed.
3. After your name has been updated, you will be required to verify your identity using your new identity document. You can learn more about the identity verification process on the Indemo website.
How can I change my contact information in my Indemo account?
It is important to keep your contact information current to ensure you maintain access to your Indemo account. To update your phone number or address, follow these steps:
1. Log in to your Indemo account on the website
2. Go to your account settings and select "Personal information"
3. Click on "Edit" next to the information you wish to change
4. Once you have made your updates, click "Save" in the bottom right corner. Note that a valid phone number is required in order to save any changes.
To change the email address associated with your Indemo account, please reach out to our customer support team for assistance.
Does Indemo perform an evaluation to determine if the products and services being offered are suitable and appropriate for me?
Yes. In order to invest with Indemo, we require you to complete a Suitability and Appropriateness assessment - ensuring that the products and services we offer you are suitable and appropriate. These are based on your financial situation, investment knowledge, experience, risk appetite and goals. We strongly encourage you provide answers which reflect your real situation, and update the questionnaire if your personal circumstances change. You can make these changes at any time through your investor cabinet.
Can companies invest?
EU-registered and based companies, family trusts, partnerships, limited liability companies, and other organizations holding a bank account within EU/EEA can register on the platform. In order to fulfill the Anti-Money Laundering (AML) obligations, we will require additional details from companies such as registration documents, ultimate beneficial owner information, identification of a company representative, source of funds and any other relevant documentation as needed.
Please kindly note: for corporate accounts, the minimum starting investment is €5,000 due to the additional resources required for onboarding and providing tailored support. Thank you for your understanding and cooperation.
How can I upload documents to Indemo?
To ensure the security of your personal information, it is recommended that you avoid sending files that contain sensitive data through email. Instead, you can conveniently upload your documents directly to your account on Indemo. You can upload up to 20 files simultaneously, with a maximum file size of 20 MB per file. Our platform supports various types of documents, such as word processing files (.docx), spreadsheet files (.xlsx), presentation files (.pptx), image files (.bmp, .png, .jpg), archive files (.zip, .7z, .rar, .tar), and PDF files.
In case you are having trouble logging into your account, and you need to upload a document, please contact us, and we will provide you with a unique and secure upload link that doesn't require logging in. Our team is always available to assist you with any queries you may have.
I have a corporate account, and corporate amendments are taking place; what should I do?
When you have a corporate account with Indemo and corporate details of the legal entity changes, for example. In that case, the director/manager is being replaced, or shareholders/UBO changes, please get in touch with the Indemo Investors Support Team as soon as you have legal documents confirming such changes and pass these documents copies to them for Indemo Onboarding Team to review and process such changes. We can contact you if we need additional information or clarifications.

Protection of Personal Data

Where can I find what information Indemo holds about me?
Indemo holds various types of information about you, which can be accessed through your account settings. Your personal information such as Investor ID, name/last name, language preference, address, phone number, and email can be found under Personal Information. The responses you provided for the Suitability and Appropriateness assessment can be accessed and edited under Suitability and appropriateness. Information about your chosen currencies can be found under Currencies, and details about your account, including available funds, investments, pending payments, and funds in recovery, can be found on the Overview page.
Notifications, tax statements and reports, current and finished investments, registered bank accounts, and transactions history can also be accessed through your account settings.
Additionally, verification details, setting changes, emails, and other data are available upon request. Finally, all current and past agreements between you and Indemo can be found under Agreements in your account settings.
Which categories of my personal data are being processed by Indemo?
Indemo processes various categories of personal data, such as identification, contact, financial, occupation, correspondence, location, family, cookies, and other data. These categories of data are further explained in our Privacy Policy (Section 2: Categories of the User's personal data). Indemo ensures that only the necessary categories of personal data are processed, in compliance with regulatory and data protection laws.

Tax Details

Wie werden meine Kapitalerträge versteuert?
Indemo als Steuervertreter behält von den Zinszahlungen sowohl für Anlagen in diskontierte Schuldverschreibungen als auch für Anlagen in Hypothekendarlehen einen Steuersatz von 5 % ein, wenn du eine natürliche Person mit steuerlichem Wohnsitz in der EU/im EWR bist; oder einen Steuersatz von 25.5 %, wenn du eine natürliche Person mit steuerlichem Wohnsitz in Lettland oder einem anderen Land (nicht EU/EWR) bist. Wir empfehlen dir außerdem, dich über die Einkommensbesteuerung und die Erklärungsvorschriften des Landes zu informieren, in dem du steuerlich ansässig bist.
I am a tax resident of (Germany / Spain); How will I be taxed on Indemo?
Please note that it is just a general understanding of how tax rules work towards investors – and individuals; it should not be treated as tax advice.
As far as we know, in Germany, passive income from interest is taxed at the rate of 26.375%. When the investor receives profit from Discounted Debts or Mortgage Loan Investments, this profit is taxed at a 5% tax rate by Indemo.
Each year, Indemo, as a regulated investment firm, issues the tax statement to the customers, where information is provided on the amounts of interest paid and tax withheld.
Considering that Indemo is domiciled in Latvia, being a member state of the EU and having a Double Tax Treaty with Germany, the tax resident of Germany can declare the amounts of interest received and tax paid in Latvia, absorbing the tax paid in Latvia. He will pay just the remaining tax at 21.375% (26.375% - 5%) from the profit received on Indemo.
The same approach applies to the residents of Spain, where passive income from interest is taxed at 19% (up to an income threshold of 6000 euros). So, the remaining 14% tax will be payable in Spain when the annual return is lodged.
Still, we urge you to consult your accountant or tax advisor to consider all the details of taxation in your home country.
How can I reduce the withheld tax on Indemo to 0% as a Lithuanian?
For Lithuanian Investors who provide a certificate confirming the place of residence of a Lithuanian resident (FR0254 forma (DAS-4)) the withheld tax rate can be reduced to 0%.
Please ensure that it is for the current year and that it is stamped or signed by the appropriate authorities. We accept pdfs if they are physically signed and stamped (the stamp is visible in the pdf doc). If the Certificate has been electronically signed, please send the .ADOC file.
Please send the Certificates to [email protected]

Compliance

Was ist Compliance und warum ist es wichtig?
Compliance bedeutet die Einhaltung der Gesetze, Vorschriften und internen Richtlinien, die für lizenzierte Investmentfirmen gelten. Sie sorgt für ein sicheres, transparentes und verantwortungsbewusstes Anlageerlebnis. Für Anleger gewährleistet sie den ordnungsgemäßen Umgang mit Informationen und Geldern und stellt sicher, dass die Anlageoptionen mit Ihren finanziellen Zielen übereinstimmen.
Ist Indemo ein reguliertes Investmentunternehmen?
Wie profitiere ich davon, dass Indemo in einem regulierten Umfeld arbeitet?
What is the reason for requiring supplementary identity documents or bank statements?
Indemo, being a licensed investment firm, is obligated to adhere to strict security checks and identity verification requirements. These requirements are in accordance with the prevailing anti-money laundering (AML) and customer verification regulations. Indemo is legally required to conduct its own compliance checks, even if other institutions have already done so.
We acknowledge that we may ask for sensitive information from our investors. However, we assure you that we treat all information with utmost confidentiality. Indemo operates under the General Data Protection Regulation (EU) 2016/679 (GDPR), which oversees data protection and privacy in the European Union. We handle all personal data in accordance with our Privacy Policy.
Welche Vorschriften schützen die Anleger?
Muss ich die angeforderten Informationen bereitstellen?
Wo finde ich weitere Informationen über Indemos Lizenzierung und Richtlinien?