1. Purpose
This Template Library provides the mandatory disclosures and risk warnings that must be included in all marketing
communications, website content, social media posts, project information, and influencer content relating to
Lendermarket’s regulated crowdfunding services.
This table is designed to enhance your ability to ensure that your content is in compliance with EU and national laws
concerning consumer protection standards in the advertising and marketing field.
These templates ensure:
● Consistency
● Compliance with ECSPR, CPC 2012/2025, and ESMA Q&A
● Prominence and clarity
● Reduced risk of omission or misinterpretation
2. Mandatory Regulatory Disclosure
2.1 Standard Regulatory Disclosure (All Regulated Content)
“Lendermarket Limited, trading as Lendermarket, is regulated by the Central Bank of Ireland.”
When required:
● All website pages relating to regulated services
● All social media posts promoting regulated services
● All paid ads
● All influencer content
● All investor communications
● All project/campaign pages
Formatting requirements:
● Bold
● Prominent
● Equal font size to main text
● Not hidden in footnotes
3. Mandatory ECSPR Risk Warnings
3.1 General ECSPR Risk Warning (Required for all investor-facing content)
WARNING: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Your
investment is not covered by a deposit guarantee scheme or by an investor compensation scheme.
When required:
● All regulated marketing communications
● All social media posts promoting investment
● All project pages
● All paid adsAll influencer content
Formatting requirements:
● Boxed
● Bold
● Equal font size
● Appears simultaneously with benefits
3.2 Past Performance Warning (If past performance is referenced)
WARNING: Past performance is not a reliable guide to future performance.
When required:
● Any reference to historical returns
● Any performance charts
● Any default rate statistics
● Any “track record” claims
3.3 Simulated Performance Warning (If projections or estimates are used)
WARNING: These figures are estimates only. They are not a reliable guide to the future performance of this investment.
When required:
● Forecasts
● Illustrative returns
● Simulated performance charts
3.4 Currency Risk Warning (If non-EUR exposure exists)
WARNING: This product may be affected by changes in currency exchange rates.
When required:
● Projects denominated in non-EUR currencies
● Returns dependent on FX movements
4. Advertisement Labelling Templates
4.1 Firm-Published Content
“Advertisement”
When required:
● All promotional content
● All social media posts promoting regulated services
● All paid ads
● All website banners promoting offers
Formatting requirements:
● Placed at the top of the content
● Clear and unambiguous
4.2 Influencer Content
Influencers must use one of the following:
● #Ad
● #Sponsored
● #Promotion
Rules:
● Must appear at the beginning of the caption
● Must be visible on screen for video content
● Must not be hidden in hashtags
5. Project & Campaign Disclosure Templates
5.1 Link to KIIS
“Before investing, please read the Key Investment Information Sheet (KIIS) for this project.”
When required:
● All project pages
● All social media posts referencing a specific project
● All influencer content referencing a project
5.2 Project Risk Summary (Short Form)
“This project involves investment risk, including the risk of losing your entire investment. Returns are not guaranteed.”
When required:
● Project pages
● Social media posts referencing a project
● Paid ads referencing a project
6. Website-Specific Disclosures
6.1 Regulated vs Unregulated Separation Disclaimer
“The information on this page relates to regulated crowdfunding services provided under Regulation (EU) 2020/1503.
Other services offered by Lendermarket are not regulated under this framework.”
When required:
● On landing pages where regulated and unregulated content are adjacent
● On navigation menus
● On comparison pages
6.2 Unregulated Content Disclaimer
“The content on this page relates to services that are not regulated by the Central Bank of Ireland.”
When required:
● Any unregulated content
● Any informational pages not covered by ECSPR
7. Social Media-Specific Templates
7.1 Short-Form Risk Warning (For character-limited platforms)
“Warning: Investing involves risk of loss. Not covered by guarantee or compensation schemes.”
Platforms:
● X/Twitter
● Instagram Stories
● TikTok overlays
7.2 Short-Form Regulatory Disclosure
“Regulated by the Central Bank of Ireland.”
When required:
● Where space is limited
● Where full disclosure is not feasible but must still be present
8. Influencer-Specific Templates
8.1 Mandatory Caption Template
“#Ad Lendermarket Limited is regulated by the Central Bank of Ireland. Investing in crowdfunding projects involves risk,
including the risk of losing your entire investment. Not covered by guarantee or compensation schemes.”
8.2 Mandatory Spoken Disclaimer (For video content)
“This is a paid promotion. Investing involves risk, including the risk of losing your money.”
9. Formatting Requirements
All disclosures and warnings must be:
● Prominent
● Boxed (where possible)
● Bold
● Equal font size to main text
● Not hidden in footnotes
● Not placed below “read more” cut-offs
● Visible on mobile and desktop
