FAQ. Risks and responsibility

If you have questions, you will find answers to some of them in this section. The answers have been provided by our managers with extensive experience in the market and great expertise in the area. We hope that you will benefit from their advice and comments.
What regulations govern activities of Robocash?
Robocash is duly registered under the laws of the Republic of Croatia. Robocash is not regulated under any financial services license.
How can I verify the legality and legitimacy of Robocash activity?
Robocash d.o.o. is a company included in the court register of the Republic of Croatia. The information about the company can be obtained in the form of extract from the court register of the Republic of Croatia.
What is a buyback guarantee?
In case the payments are delayed for more than 30 calendar days, the Loan Originator is obliged to redeem the investment with all accrued interest in accordance with the Assignment Agreement.
During the 30-day Buyback period, the interest is calculated at the same conditions as the Loan Period. When the loan is bought back, these earnings are credited to the Investor's balance along with the principal and the interest earned for the main period.
What are the regulatory and compliance risks?
Robocash complies with the applicable laws and regulations of the Republic of Croatia. The peer-to-peer industry in the Republic of Croatia is not regulated. Any change in the regulatory landscape may negatively impact the company, for example, a regulatory change may put additional restrictions on certain types of products or services.
How do I pay taxes from the income on Robocash?
Robocash does not withhold taxes from the interest you receive as an investor. You are personally responsible for any tax filings and related payments.
What if the Loan Originator goes out of business?
If the Loan Originator goes out of business, the buyback guarantee is at risk. However, according to the Assignment Agreement, you own claim rights for the loan receivables against the borrower and hence may be able to get your investment back.
Please keep in mind that we as a Group monitor the loan originator’s financial flows directly and have ample capital to cover our obligations to investors. If one of the Group’s companies is not able to pay off the guarantees, other Group’s companies assume this obligation.
What if the Robocash goes out of business?
If the Robocash platform goes out of business, the servicing of all Assignment Agreements will be transferred to an appropriate administrator. The administrator will advise and help you to receive all outstanding payments from the borrowers.
Are the investments secured?
When investing on the Robocash platform, you confirm that you understand that such investment is not in any way comparable to a deposit and is not covered by any deposit and investment insurance instrument or compensation scheme.
How does Robocash mitigate market and economic risks?
Robocash cannot influence and prevent the possible decrease of the value of your investment that can happen in the event of the global crisis or other force majeure events. You bear the market and economic risks such as global economic downturn, a financial crisis, geopolitical events.

Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.