Crowdhive / Regulation & safety / Where is the data stored?
Where is the data stored?
09/24/2026
1 min
All personal and transaction data is stored on servers located in Switzerland, under Swiss data-protection law and the EU GDPR. Sensitive data is encrypted both in transit and at rest.
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Is there an investor compensation scheme?
Investments on CrowdHive are not covered by a deposit-guarantee or investor-compensation scheme, because you are lending directly to businesses rather than depositing with a bank. Your protection comes from a different place: every project is collateral-backed, funds are held in segregated client accounts, and our recovery process pursues defaulted loans until they are resolved.
What happens if a borrower defaults?
We enforce the collateral pledged at origination and pursue recovery on behalf of investors. Realised default and recovery figures will be published on the Statistics page as the loan book builds.
How is CrowdHive regulated?
CrowdHive operates as a financial intermediary and is a Member of SRO VQF - FINMA-recognised Self-Regulatory Organisation. This means our anti-money-laundering procedures, client onboarding and conduct are supervised under the Swiss Anti-Money Laundering Act. We are not a bank and do not take deposits onto our own balance sheet, we facilitate lending directly between investors and vetted businesses.
Who audits CrowdHive?
Annual accounts will be audited by an independent Swiss audit firm; the appointment will be announced before launch. Alongside the audited annual statement we plan to publish a regular transparency report, downloadable from the Statistics page.
Is there an investor compensation scheme?
Investments on CrowdHive are not covered by a deposit-guarantee or investor-compensation scheme, because you are lending directly to businesses rather than depositing with a bank. Your protection comes from a different place: every project is collateral-backed, funds are held in segregated client accounts, and our recovery process pursues defaulted loans until they are resolved.
What happens if a borrower defaults?
We enforce the collateral pledged at origination and pursue recovery on behalf of investors. Realised default and recovery figures will be published on the Statistics page as the loan book builds.
How is CrowdHive regulated?
CrowdHive operates as a financial intermediary and is a Member of SRO VQF - FINMA-recognised Self-Regulatory Organisation. This means our anti-money-laundering procedures, client onboarding and conduct are supervised under the Swiss Anti-Money Laundering Act. We are not a bank and do not take deposits onto our own balance sheet, we facilitate lending directly between investors and vetted businesses.
Who audits CrowdHive?
Annual accounts will be audited by an independent Swiss audit firm; the appointment will be announced before launch. Alongside the audited annual statement we plan to publish a regular transparency report, downloadable from the Statistics page.