Clarity about capital protection.
Answers about the collective policy, the insured capital and how to call on it. The policy contract defines the scope.
In structuring
Availability and conditions are set out one by one.
The product
Start here if you have just arrived.
What is FINOVEX Capital Protection?
It is the insurance layer of the FINOVEX ecosystem, still being structured, organised through a collective policy intended to protect participants' eligible capital. The official conditions will be published with the responsible insurer.
Can my contribution be insured in full?
When the policy so provides, the full amount of the eligible contribution may correspond to the participant's individual insured capital, subject to the covered events and the other conditions of the contract. That correspondence has not been published yet.
Is it collective insurance?
The protection is designed as a collective policy, with adhesion rules and insured capital for eligible participants. The policy has not been issued in this publication.
How do I check the insured capital?
When adhesion is active, the information stays in the authenticated FINOVEX area, together with the cover documentation.
Can I read the policy?
The cover documentation will be available to participants according to the structure of the product. In this publication, the collective policy has not been issued.
Who pays an indemnity if one is due?
Insurance responsibility lies with the insurer identified in the policy, under the conditions of the contract. FINOVEX does not assume that duty by reason of its commercial-register entry.
Does the cover include returns?
Only amounts expressly included in the sum insured are covered. If the policy protects only the contribution capital, returns are not part of that sum.
Is this a regulated insurance product?
The registration of FINOVEX CAPITAL GROUP SL in the Commercial Register does not constitute an insurer licence or an authorisation for FINOVEX to insure on its own account. The insurance entity is the one identified in the collective policy. The name FINOVEX Capital Protection does not, by itself, prove that authorisation.
How do I take out cover?
Choose the cover, read the contract and continue on the platform to verify eligibility, capacity and conditions. Cover becomes active only after the requirements and confirmation of the premium; registration or access is not enough.
Do I need an account to see the covers?
Reading the catalogue, the contracts and the explanations of risks and claims is public. Use the account for personal steps, such as a purchase or the follow-up of a policy and a claim request.
Covers and price
Questions about covers and price.
What is covered?
Find the description of the event in the contract and read the exclusions, the eligibility and the limits alongside it. That set, in the version linked to the policy, defines the scope. Two events in the same family may be treated differently under those conditions.
What is not covered?
The protection corresponds to the insured capital for the events provided for in the collective policy. Returns, expected appreciation and losses outside those events are not cover without a contractual provision. Read the exclusions next to the covered events.
How is the price calculated?
The premium is calculated as protected value × the cover annual rate × days of the term ÷ 365. Check these three figures before confirmation. The rate is set by the operator and published with dual approval; the calculation does not use automatic risk scoring or dynamic pricing.
What is the excess?
It is the portion that remains your responsibility. The calculation uses the protected capital and the percentage set in the policy; the excess amount is recorded when the claim is opened. After approval, the net amount payable is the approved amount minus that excess, with a minimum of zero.
Is there a value limit?
Check the minimum and maximum range of each cover and its remaining capacity. The range limits the purchase amount; capacity states how much can still be committed, taking active policies into account. Both must allow the amount you intend.
Purchase and term
Questions about purchase and term.
Which addresses are protected?
The purchase declaration identifies each address and its network. Check these details before confirming, because they stay linked to the policy and cannot be changed afterwards. A new address requires another cover, subject to the applicable conditions.
Can I cancel?
Cancellation ends the protection. The current flow does not provide for automatic return of the premium; therefore, review the cancellation and refund conditions before you purchase. Ending the policy and receiving an amount back are separate questions.
What happens at expiry?
The term ends automatically on the final date, without a cancellation request. Later incidents fall outside that policy. For an event that occurred during the term, also check the period allowed for notifying the claim.
Claims
Questions about claims.
How do I open a claim?
Sign in to your account and prepare the report with the date, the network, the description and the amount requested. Attach the required evidence and review the draft before sending it. The review begins after submission.
Which documents do I need to send?
The contract states the evidence required. Use transaction identifiers, public references, documents and notes to relate the report to what happened. Send documents through the account: they are encrypted in storage, and authorised consultations are recorded.
Is there a time limit?
Check three dates: when the incident occurred, when the waiting period for opening the request ends and what the final deadline is. The waiting period is counted after the incident; the final deadline takes the policy expiry plus the cover window. The event must have occurred during the term.
How long does the review take?
There is no published review period for the product. Follow the status and any requests for information in the account; for a question about your case, use authenticated support. This page does not allow the date of a decision to be estimated.
Who decides?
The authorised team examines the report, the evidence and the contractual conditions. Approving, denying or paying requires two-step authentication and a distinct second approver. The decision and its reason are recorded in the claim follow-up.
Can I appeal a denial?
First read the reason recorded in the decision. The platform does not offer an internal appeal flow; consult support and the applicable documents to learn the relevant channels and rights. Opening another request starts its own review and is not the same as appealing within the same case.
Companies and security
Questions about companies and security.
Do you work with companies?
FINOVEX Capital Protection is for eligible investors, individuals or companies, whose contribution is covered by the collective policy. It is not a treasury programme in digital assets, nor a tailored cover confirmed by contact.
Are my documents kept secure?
Storage of supporting documents is encrypted, and reading them requires authorisation and creates a record. To keep the case in the appropriate environment, send the evidence through the account. These access controls do not justify sharing claim files on public channels.
Is there an external audit?
There is no public external security audit report presented for this product. Security and the Trust Centre describe the controls and the information available. Read the scope of each piece of evidence: an internal record of operations does not replace an independent assessment.
FINOVEX Capital Protection
Have you not found your question?
The official channels are on the contact page - with the list of what is handled on each one and how to verify that a contact is really ours.
Consulting this site does not create cover. Protection applies to the covered events and to the conditions of the collective policy.