FAQ Starting Adding Funds Investing Information about your investment Buyback guarantee Autoinvest About loans Fund withdrawal Do you guarantee return on investment? Our Guaranteed Income product comes with an guaranteed annual return of 7.4%. The Profitable product doesnʼt guarantee the return but you have the chance of getting a much higher return. Both our products come with a money back guarantee. You will always get back 100% of the money you originally invested. Whatever happens to the loans your money is invested in, you will always get your original investment back. For example: You have an investment of 10 EUR. If the borrower defaults on the loan on 1st May by not making the repayments, then the Lender will refund you the full amount of 10 EUR on 30th June or at the end of the investment period. Partial Buyback is a partial guarantee of investment return. Ekassa offers packeges where the investor can take on part of the risk in return for a higher potential return. Here, only part of the original investment is covered by the Buyback guarantee What is Guaranteed income? Guaranteed income is where Lender guarantees to pay the accrued income even if the borrowers donʼt make repayments on any of the loans your money is invested in. How does Guaranteed income work? If a borrower behind a loan you invested in doesnʼt make his or her repayments, the lender guarantees to pay your Guaranteed income after 60 days or at the end of the investment period. For example: You have an investment of 10 EUR in a package with Guaranteed income. If a borrower defaults on the loan on 1st May because repayments werenʼt made, then the Lender will pay you the full amount of accrued interest for this loan on 30th June or at the end of the investment period. What should I do to replace an investment with Guaranteed income? Itʼs very straightforward: simply select the Guaranteed product which mentions "Guaranteed income". What happens to the part of the loan not covered by the Buyback guarantee? Ekassa will continue to calculate interest on the unpaid part of your investment and you will get this if the loan is repaid by the borrower. If the loan is still unpaid after 120 days, it becomes classed as a “bad debt” and is written off.