Last updated: 15 January 2026. These terms govern your use of best-p2p-platforms-europe.com ("the site", "we", "bestp2p"). By accessing the site you accept these terms in full. If you disagree, please close this page.
Editorial nature - not advice
The site is an independent editorial comparison and aggregator. We rate European peer-to-peer lending platforms and publish guides. We are not an investment platform, bank, financial adviser or portfolio manager. No content on the site is personalised investment advice, a recommendation to buy or sell, or an invitation to enter a contract. Ratings reflect our editorial opinion - refreshed monthly - and are not guarantees of future performance.
You must read each platform's prospectus, risk warnings and terms before investing. You are solely responsible for your investment decisions. Consult a regulated financial adviser if you need personalised guidance.
Capital at risk
P2P lending puts your capital at risk. Returns are never guaranteed, platforms can fail, loans can default, and no compensation scheme covers borrower defaults. Past performance is not indicative of future results. You may lose part or all of your invested capital.
No warranty - best effort only
We strive for accuracy and update data monthly from platform disclosures, regulatory filings and verified investor reports. However, the site is provided "as is" without warranty of any kind - express or implied. We do not warrant that:
- The information is complete, accurate or current.
- Ratings reflect all risks or future platform behaviour.
- The site will be uninterrupted or error-free.
- Third-party links or outbound platforms are safe or compliant.
Markets change, platforms update their terms, regulators act. We cannot guarantee real-time accuracy. Always verify figures directly with the platform before depositing funds.
Affiliate links and how we earn
Some outbound links are affiliate links. If you sign up via one of these links, we may earn a commission from the platform at no extra cost to you. Affiliate status does not influence our star ratings - each platform is scored on the same five checks regardless of commercial relationships. We label sponsored content explicitly where it appears.
See our full how we earn page for transparent disclosure.
Intellectual property
Content, design, ratings methodology and the bestp2p name are our property or used under licence. You may cite content with attribution and a link to the source page. You may not reproduce entire reviews, scrape data or use our brand for commercial purposes without written permission. Contact us at the contact page for licensing enquiries.
User conduct
You agree not to misuse the site - including attempts to hack, scrape at scale, impersonate us, post defamatory comments via third-party integrations, or violate applicable law. We reserve the right to block access from IP addresses or users who breach these terms.
External links
The site contains links to third-party platforms and resources. We do not control and are not responsible for their content, terms or practices. A link does not imply endorsement beyond the rating we assign. Always review the platform's own terms and privacy policy.
Limitation of liability
To the fullest extent permitted by law, we exclude all liability for any loss or damage arising from your use of the site or reliance on its content - including direct, indirect, incidental or consequential losses. This applies whether the claim is in contract, tort, negligence or otherwise.
In jurisdictions where such exclusions are not enforceable, our liability is limited to the amount you paid to access the site (which is zero - the site is free to use).
Nothing in these terms limits liability for death or personal injury caused by negligence, fraud or any liability that cannot be excluded under applicable law.
European consumer framing
If you are a consumer resident in the European Union, you retain statutory rights under EU consumer protection law. These terms do not affect those rights. In the event of a dispute, EU consumers may access the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr.
Changes to these terms
We may update these terms from time to time. Changes take effect when posted. The "last updated" date at the top of the page reflects the most recent revision. Continued use after changes means you accept the revised terms.
Governing law and jurisdiction
These terms are governed by the laws of Austria. Any disputes arising from these terms or your use of the site shall be subject to the exclusive jurisdiction of the courts of Austria, except where EU consumer law provides otherwise.
Contact
Questions about these terms? Reach us via the contact page or see the imprint for formal details.