Investor Data Rights under Swiss and EU Law (2025)
Learn your rights to access and verify investment platform data under Swiss and EU law - and how to request it before it disappears.
Investor Protection
Launch of the Investor Red Flag Database
InvestorJustice.org has launched the Investor Red Flag Database — a continuously updated record of financial entities, jurisdictions, and practices posing heightened risk to investors. This open-access tool helps investors identify structural and regulatory red flags before harm occurs.
Collateral Damage: How FINMA’s Innovation Agenda Leaves Investors Unprotected.
FINMA’s innovation agenda prioritizes market stability over investor safety. When Swiss fintechs fail, losses are treated as collateral damage—contained for institutions, catastrophic for individuals.
InvestorJustice Advisory: Why Investors Should Be Cautious About Switzerland
Switzerland’s legacy reputation for financial integrity masks serious investor-protection gaps. FINMA’s permissive stance toward cross-border entities, opaque rulings, and innovation rhetoric leave harmed investors without meaningful recourse.
Legal Primer: Removing “APR” Does Not Make It Legal
Removing “APR” from a credit product does not make it legal. Under U.S., Swiss, EU, and Cayman law, illegality is determined when the offer was made, not when misleading language is deleted.
InvestorJustice Advisory: Cayman Islands Jurisdictions
Cayman registration limits investor protections. Entities serving foreign clients often fall outside CIMA’s scope, leaving retail investors without a regulator or accessible complaint process.
InvestorJustice Advisory: Why Investors Should Avoid Nexo
InvestorJustice.org warns investors to avoid Nexo. Evidence shows misuse of APR, refusal of lawful records requests, jurisdictional evasion, and deletion of key Terms of Service clauses, leaving investors, especially seniors, without accountability.
Still Haunted: Nexo’s Legacy Victims Await SEC Follow-Through - Case 2025-000001
Nexo was fined $45 million by the SEC for its illegal Earn Interest Product—but many retirement-age investors remain financially ruined, with no recourse. This article calls for overdue cross-border enforcement.
![[PDF] Reconstructed Record of Deleted Nexo ToS Changes - Case 2025-000001](https://cdn.mymidnight.blog/14d9e8007c9b41f57891c48e07c23f57/2025/10/IMG_5212.png)
[PDF] Reconstructed Record of Deleted Nexo ToS Changes - Case 2025-000001
A forensic reconstruction of deleted Swiss conciliation rights from Nexo AG’s Terms of Use, showing systematic efforts to obscure procedural access for retirement-age investors.
Open Letter to the U.S. Securities and Exchange Commission (SEC) - Case 2025-000001
A U.S. investor harmed by Nexo’s liquidation practices calls on the SEC to act on cross-border abuse. Despite past enforcement against Nexo’s Earn Interest Product, other high-risk offerings remain unaddressed—leaving retirement-age victims exposed and unprotected.
Open Letter to FINMA: Enforce the SEC–FINMA MOU and Restore Investor Trust - Case 2025-000001
A retirement-age U.S. investor calls on FINMA to uphold its cross-border regulatory duty under the SEC–FINMA Memorandum of Understanding following unlawful financial harm tied to Nexo AG.
Retirement-Age Investors Should Not Be Exposed to Liquidation: My Story, and a Call to FINMA - Case 2025-000001
A retirement-age investor lost everything in a high-risk Nexo account. This is a plea for urgent oversight, justice, and reform.