Terms of Use

Last updated: January 2026

These terms govern your use of macler-reviews.com. By reading any page on this site, you accept them in full.

What this site is

macler-reviews.com is an editorial review and comparison site operated by an affiliate partner of Maclear. It publishes information about Maclear and 18 other European peer-to-peer lending platforms. The site covers regulation, investor protection, returns, risks and structural transparency. It does not hold client money, does not take deposits and does not arrange investments.

What this site is not

This site is not a bank, investment platform, broker, financial adviser or tax adviser. Nothing published here is investment advice, tax advice or a personal recommendation to buy, sell or hold any product. Nothing here is an offer or solicitation. The site does not assess suitability, does not know your circumstances and does not tell you what to do with your money.

Capital at risk

Peer-to-peer lending can lose part or all of the money you put in. No compensation scheme covers borrower defaults. Returns advertised by a platform are targets, not promises, and realised returns are normally lower. The site's ratings are editorial opinion, not guarantees.

Platform information and dating

Platform facts come from published disclosures, regulator registers and independently verifiable sources. The site records the date figures were captured. Platforms change supervision status, ownership, yield bands and policies without notice. Always check the platform directly before you act.

Where a number is not available, the site stays qualitative. It does not invent statistics.

Ratings and scores

The site rates 18 platforms on five criteria: investor protection 30%, execution record 25%, return honesty 20%, structural transparency 15%, liquidity and exit 10%. Weights were fixed before scoring began. Scores run from 0 to 100 and are reviewed monthly. Full methodology appears at How we rate.

One platform, 8lends, is labelled Sponsored and sits outside the rated list. It does not receive a percentage score.

Ratings are editorial opinion. They reflect facts known at the date of publication and do not predict future performance.

Affiliate relationships and commissions

The site earns a commission when readers open an account with Maclear or 8lends through links marked with a button. No other platform pays the site for links, rankings or editorial coverage. Affiliate commissions do not change the published criteria or the order in which platforms are ranked. Full disclosure appears at How we make money.

The site is independent of Maclear editorially and paid by Maclear commercially. A bar at the top of every page states this relationship.

Links to other sites

The site links to platform websites, regulator registers and independent sources. It does not endorse third-party content and is not responsible for it. Outbound links to platforms open with rel="noopener nofollow noindex".

Accuracy and liability

The site makes reasonable efforts to keep information accurate and up to date. It does not guarantee completeness, timeliness or fitness for any purpose. Platform data can change daily. Figures carry the date they were recorded.

To the fullest extent permitted by law, the site excludes all warranties and liability for direct, indirect, incidental or consequential loss arising from use of the site, reliance on its content or inability to access it. This includes loss of money, data or opportunity.

If any jurisdiction does not allow exclusion of implied warranties or limitation of liability, the site's liability is limited to the amount you paid to access it, which is zero.

Your responsibilities

You are responsible for verifying platform facts before you invest. You are responsible for understanding the risks. You are responsible for any tax obligations on returns. The site does not track what you do after you leave it and cannot help with tax filings or platform disputes.

Changes to these terms

The site can update these terms at any time by posting a new version with a revised date. Continued use after a change means you accept the new terms.

Governing law

These terms are governed by the laws of Switzerland. Any dispute arising from them is subject to the exclusive jurisdiction of the courts of Zurich.

Contact

Questions about these terms can be sent through the contact page.