Risk Disclosure

What P2P Dash is and is not

P2P Dash is a tool for tracking and analysing data you import yourself. It reads the account statements you export from P2P lending platforms and turns them into a consistent picture of your portfolio.

We do not provide investment advice or investment brokerage. We hold no licence under the German Banking Act (KWG) or the Securities Institutions Act (WpIG) and are not supervised by BaFin. Nothing on this website or in the application is a personal recommendation, an offer, or an invitation to buy or sell a financial product.

Where the numbers come from

Every figure in your dashboard is derived from files you uploaded. We normalise each platform's export format into a common structure. That step can go wrong: a transaction type may be unknown to us, or categorised incorrectly, and a single misread row changes returns, cash flows and XIRR.

Treat our numbers as an aid, not as an authoritative statement. Your platform's own statements and your tax documents remain the binding source. If a figure looks wrong, it may well be wrong, and we would like to hear about it.

Aggregated community data

Some pages show data aggregated across many P2P Dash portfolios: platform rankings, capital flows, average returns and investment intent. These figures are anonymised and describe what a group of users actually did in the past.

They describe behaviour. They do not recommend it. Sample sizes vary by platform and can be small, users are not a representative sample of investors, and the methodology changes as the product develops.

Shared portfolios

Users can publish a portfolio under a public link. Those pages show the data that user imported and chose to share. We do not check, audit or verify it, and we cannot tell whether it is complete or accurate.

A shared portfolio is not a model to copy and not a recommendation to invest the same way. What worked for someone else says nothing about your situation, your tax position or your risk tolerance.

Risks of P2P lending

Investing in P2P loans carries a real risk of losing some or all of your money. In particular:

• Borrowers default. Recovery can take years and often returns only part of the outstanding amount.
• Platforms and loan originators can become insolvent. Your claim may then be difficult or impossible to enforce.
• A buyback guarantee is only worth as much as the company that issued it. It is not deposit insurance.
• Your money can be locked up. Secondary markets can be illiquid or suspended, and early exit may be impossible or costly.
• Loans in other currencies add exchange rate risk.
• Regulation differs by country. Many platforms are not supervised the way a bank is, and there is no deposit guarantee scheme.
• Taxation depends on your personal circumstances and can change.

Past performance

Returns shown for a past period, including XIRR, are a description of what happened. They are not a forecast and not a reliable indicator of future results.

Your own decision

Every investment decision you make is yours. Do your own research, read the platform's own documents, and consider whether you can bear a total loss. If you are unsure, seek advice from someone licensed to give it.