Investorstems – According to information found on the website of the provider, the online broker is a provider of cryptocurrencies, forex, shares and commodities that offers its customers various services.

You have invested with Investorstems and want your money back? The Herfurtner law firm will help you in case of difficulties.

Investorstems – Assessing offers correctly

At present, there is an extraordinarily high number of investment service providers such as Investorstems. This means that investing in the volatile financial markets has never been as easy but also as uncertain as it is now.

Precisely because there are a lot of options, choosing a financial service provider can be time-consuming and challenging. Especially if you want them to meet your particular investment needs. Have you already invested with Investorstems? Then the following aspects are important for you as an investor.

  • State-licensed brokers on the internet, reputable platforms, fees and bonuses, offering options and reviews from clients are just some of the features you need to include in your final decision.
  • Entering the global stock markets is becoming more convenient and affordable for money investors through online investing.
  • A wide range of order types can be used in online trading.
  • An ideal place for investors to go to learn about securities, futures, options and cryptocurrencies is an online presence like this one.

The following information is general advice for investors – regardless of the platform you invest in.

Has the provider Investorstems been granted a licence?

Both the financial markets and the protection of investors benefit from rules of conduct and organisational responsibilities. Bond service companies and providers such as Investorstems must follow a set of standards of conduct.

The same applies to their employees. This is intended to circumvent conflicts and the associated disadvantages for investors. This includes the duty of the service provider to inform its corporate clients about the most important features of the transaction before sealing it.

This applies both to the specific investor and to the investment itself. In line with this idea, further information is necessary for clients who want to engage in highly speculative or risky transactions. Providers such as investorstems have a responsibility towards their corporate clients.

This goes well beyond the provision of a product or service. Does the service provider have an authorisation to sell financial products? You should definitely check this. To do this, you can use the broker check list of a financial supervisory authority and enter the brand name of the service provider in the search mask.

Does Investorstems require payments abroad?

Is it useful for you to transfer money outside Europe? Pay close attention to what you are doing. Many investors have already lost money in the process. It is conceivable that you could lose track of where your money is going and how it is invested.

When money has been made available to a company, it has happened many times that the provider did not invest the amount of money received as agreed or even not at all. There have been cases where the company simply did not exist, even though it presented itself as an investor.

Apart from the licensed service providers, there are many dubious online trading websites where a similar procedure can be observed in most cases. New investors are contacted by employees of the respective trading platform.

For example, by telephone, as soon as the customer has left non-binding contact information on the trading website. In many cases, however, they are also contacted as a result of mass e-mails. These entice the customer with supposedly profitable investments.

In the short term, the investor is provided with his own online broker who guides him through the process of creating a client account and making his first investments. The investor initially feels well advised and trading often starts with smaller amounts. But soon higher payments are demanded – often to accounts located abroad.

These deposits are intended to increase the potential profits. Difficulties with dubious providers finally arise as soon as the investor demands repayment. This is very often continually delayed or linked to additional transfers such as alleged taxes and brokerage commissions.

In the past, the criminals acted solely from dubious locations. Now they are active from very different locations such as the United Kingdom (including London), the Netherlands, Canada, Spain, Dubai and many others. It is impossible for the majority of people to see through tricky scams.

Institution often receive email orders with immense order volumes that are disproportionate to the normal purchase amounts. To lure the German company, they proceed with enormous promises of profits.

However, the extreme order volume merely serves as a means of pressure in discussions with the manufacturer in order to demand correspondingly higher registration and licensing costs.

It is not always obvious whether the addressee of this payment is also the purchaser of the products. Nevertheless, it can be assumed that companies that are active abroad will not have to pay local tax on shipments to other countries for the time being. Check whether this also applies to investments with Investorstems.

Non-permitted investment orders – protect yourself

Placing orders for transactions in shares without the account holder’s consent can sometimes cause the price of certain shares to jump. This applies in particular to open market transactions in illiquid foreign shares (over-the-counter trading).

Therefore, remain vigilant if you are asked to disclose sensitive data about the investment at Investorstems entirely without your consent, citing seemingly rewarding deals or profit announcements. Under no circumstances should you transmit your IBAN, SWIFT code and other bank codes to a third party you do not know.

Nor should you disclose your bank account or securities account numbers and passwords. Do not hand over any securities account papers or securities statements from investor stems to a third party who is unknown to you. Callers posing as investment advisors, online brokers or employees of a financial regulator are also dangerous.

Cybertrading – what is the risk?

Classic investment fraud is carried out using familiar methods such as advertising, telephone canvassing or stock market letters. When it comes to carrying out fraud, the old-fashioned method is quickly becoming obsolete in the digital age. The new type of financial fraud could be described with the term “cybertrading”.

Investment products are traded fraudulently via the World Wide Web. Unfair investments include financial products such as contracts for difference and virtual money. Investorstems offers have also been used by other service providers in a comparable way to lure investors into the trap.

Investors are increasingly enquiring about investment opportunities themselves on the internet. In this way, people trust their individual expertise or the recommendations of others in blogs, forums and other online portals when making decisions.

The transition to ever new financial instruments has no long-term influence on the illegal activities in terms of organisational structure. Since the mafia crime rings rely on already existing and widely accepted infrastructures, there is no need to adapt to a new “business model”.

No matter what financial product is traded, the process of cybertrading is largely identical. These financial products are advertised penetratingly in the social media or with paid advertisements. In this case, the only thing that matters is the illustration of ludicrously high monetary gains.

Calculate the probability of earning high profits on investor stems before investing.

Are the exit possibilities questionable?

Check when and how much money is paid out. It is best to avoid long-term contracts that cannot be terminated early or where you would incur significant monetary losses. Conclude long-term contracts without early termination options only with providers such as Investorstems, whose reliability you have no doubts about.

Even if you have the option to waive or terminate a contract at any time over a certain period of time, you should be critical. Even when these points are given, you may still be vulnerable to financial loss. Make sure you know exactly how much capital you will recover if things go wrong. For share transactions, the following provision counts:

Before the end of the term, find out what options are open to you to sell off a security.

It is often crucial to find out whether there is a liquid market for offers – such as those offered by Investorstems. It is possible to sell shares through an online broker or a financial institution. All 3 methods are legitimate for placing a sell order.

The actual selling process is then completed via a stock exchange (e.g. Berlin, Stuttgart, Frankfurt, Tradegate or Xetra) (e.g. for penny stocks). With order supplements, the execution of the order can be controlled in advance. The sale of the securities takes place at a date and place defined by you.

What to do in case of losses with Investorstems?

In order to be able to assess whether you have a repayment claim against the provider Investorstems, it is necessary to examine the individual case without exception. The lawyers of the Herfurtner law firm will do this for you within the framework of a free initial consultation.

The basis of this examination is always the facts of the case as described by you. In addition, similarities to comparable cases can often be noted. You therefore benefit from the comprehensive experience of our lawyers.

After the complete examination of all documents and the legal classification, the procedure is first directed against the service provider Investorstems itself, should certain breaches of duty be demonstrable.

In order to be able to prove such breaches of duty, the contract papers, the e-mail correspondence and possibly other documents should be analysed. Furthermore, regulated online trading providers are equally obliged to make and archive telephone records of conversations with buyers.

The demand for the handing over of such documentation and the subsequent analysis is nevertheless a sensible and necessary step to enforce your claims. On the basis of this evidence, investors’ claims can be enforced both in extrajudicial and judicial proceedings.

The banking institutions and crypto exchanges that are on the receiving end should also be targeted. Since the sums of money involved are often considerable, the question recurs as to whether the companies have fulfilled their duties to provide information and their obligations under the Money Laundering Act.

It is not possible to make a general statement in this regard; rather, the case of the individual must be considered. The same applies to the beneficiary on the recipient side, who is often not identical with the provider itself. Under certain circumstances, it is the latter who is to be held liable if breaches of duty can be proven.

After all options under civil law have been exhausted, the procedure remains at the level of criminal law if the suspicion of a criminal offence is substantiated. In this regard, it is necessary to contact investigating authorities at home and abroad and to coordinate additional steps.

For the time being, many federal states have set up special departments for the topics of online fraud and crypto trading. The lawyers of the Herfurtner law firm are in regular contact with these departments. Last but not least, hosting providers can also provide useful information on the domain holder.

However, contacting the web hosters, who are often located outside of Germany, is extremely complicated for the layperson. Financial authorities in Germany and abroad are also helpful sources of information for investors who have suffered losses.

Apart from the complaint against the particular service provider, which should prevent further potential investors from investing money, the financial supervisory authorities can be used as a source of information to obtain further information if necessary.

These indications often allow for a connection of investigative proceedings in the FRG, Austria and Switzerland.