What happens to my investments if Maclear closes or goes out of business?

If Maclear ceases operations, your loan claims do not disappear. Under Swiss law, loan ownership belongs to investors, not to the platform — Maclear holds your investments as an agent only. Uninvested funds in your account are returned to your verified bank account. Active investments continue to be serviced until loan repayment according to their original schedules.

What happens to uninvested funds

Any funds sitting in your Maclear account that are not currently allocated to a project are treated as Available Funds. In the event of a platform closure, these are returned to the verified bank account you used to make your deposit. No action is required on your part, but your bank account information must be current. If Maclear cannot transfer funds to your bank account and you do not provide updated account details within 30 calendar days of a request, Maclear may be required to dispose of those funds and you forfeit your claims against the platform.

What happens to active investments

Your active loan positions are protected by the legal structure of the platform. When you invest in a project on Maclear, you do not lend money to Maclear — you acquire a loan claim against the borrower directly, through a Claim Purchase and Assignment Agreement. Maclear acts as Collection Agent and Collateral Agent on your behalf. The platform's closure changes who administers the claims, but does not change who owns them.

In the event of platform closure, your loan claims are not affected — they belong to you, not to Maclear. Investor funds are held in a segregated escrow account, separate from Maclear's operational assets and balance sheet. The administration of your claims would be resolved in accordance with Maclear's General Terms and Conditions (Art. 2.11).

The Provision Fund provides an additional layer of protection. It is funded by 2% of each successfully funded project and is designed to cover interest payment gaps in the event of borrower delays.

What is not protected

Maclear is not a bank and investor funds are not covered by any government deposit guarantee scheme. If a borrower defaults and neither the Provision Fund nor collateral realization covers the outstanding amount, recovered funds are distributed among investors on a pro-rated basis. In a worst-case scenario, partial or full loss of a specific investment is possible.

Is my money at Maclear insured?

No. Maclear is not a bank and does not participate in any deposit insurance scheme. Investor funds are protected by the legal structure of loan ownership, the Provision Fund, and collateral held on behalf of investors. This is standard for P2P lending platforms operating under Swiss financial intermediary regulation.

Would I lose access to my investments if Maclear stopped operating tomorrow?

Your loan claims would not be cancelled. The Claim Purchase and Assignment Agreement gives you legal ownership of the underlying loan receivables. What changes in a closure scenario is who administers collections and distributions on your behalf. Maclear's Terms and Conditions require that any collected amounts be distributed to investors proportionally even if full collection is not possible.

Risk disclosure: Investing on Maclear involves risk, including the possible loss of capital. Past performance is not a guarantee of future results. Do not invest funds you cannot afford to lose.

Regulatory disclosure: Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.