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We take the safety of your investments seriously.
Your investments are managed by NNEK, a Dutch investment firm. NNEK is licensed by the Dutch regulator (AFM).
Neither Curvo nor NNEK holds any of your investments. For your safety and convenience, they're kept by the custodian, which is a separate and independent entity.
This ensures that you keep all your assets in the event of either Curvo or NNEK shutting down.
All your money is invested through the system of fractional shares offered by the custodian.
Your money is invested only in funds run by Vanguard, iShares (by BlackRock) and BNP Paribas.
This scheme ensures that your assets are protected for up to €20,000, as a last resort against fraud or embezzlement.
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The use of itsme makes sure that only you can ever access your account.
NNEK (or Noordnederlands Effektenkantoor in full) is a Dutch Asset Manager that manages your investments. They've been growing their customers' wealth in the Netherlands since 1986, and are licensed as an investment firm by the AFM, the Dutch financial regulator.
NNEK (or "Noordnederlands Effektenkantoor" in full) manages your investments. Curvo solely provides the app.
As mentioned above, neither Curvo nor NNEK hold your assets. This ensures that in the event that either of us shuts down, your assets are fully protected.
Instead, your investments are held by the Stichting Noordnederlandse Beleggersgiro. This custodian, although managed by NNEK, is an entirely separate legal entity. Its sole task is to administer and safeguard your investments. By law it cannot perform any commercial activities. It is overseen by an independent board, and it is supervised by both the AFM (the Dutch finance regulator) and the DNB (the Dutch national bank), who ensure that it fulfills all of its regulatory obligations towards you.
Learn the intricacies of how the custodian safeguards your assets.
The main goal of the European regulatory framework for investment firms is to protect consumers such as yourself. For instance, it makes sure that:
Before the EU introduced the European Investor Protection Scheme, there were cases where fraudulent behaviour by investment firms went undetected and customers suffered losses. The scheme protects up to €20,000 of your investments against fraud and embezzlement, and it applies to all European customers of an investment firm, including you. Investing in the stock market does carry a risk as investments can go up and down and this does scheme does not cover losses due to a market downturn.
Learn more on the AFM's website (Dutch regulator) (only in Dutch)