Local entities. Local supervision.
Maisonflex is structured as a group with local operating subsidiaries. Each subsidiary (a "Local Entity") is established, capitalised and intends to be authorised in the jurisdiction where the home-equity service is offered.
Examples of Local Entities (non-exhaustive, subject to authorisation): Maisonflex España, S.A. · Maisonflex France SAS · Maisonflex Deutschland GmbH · Maisonflex Italia S.p.A. · Maisonflex Portugal, S.A.
Each Local Entity is responsible for holding the required national authorisation, complying with local conduct-of-business, consumer-credit, mortgage-credit and AML rules, contracting with consumers resident in its country, and handling complaints, ADR referrals and supervisory reporting.
Where we stand today.
Maisonflex is currently in the process of seeking authorisation in the jurisdictions in which it intends to operate. The relevant Local Entity intends to operate under the supervision of the competent national authority in its country of establishment.
| Country | Intended supervisor |
|---|---|
| Spain | Banco de España (BdE) |
| France | Autorité de contrôle prudentiel et de résolution (ACPR) |
| Germany | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) |
| Italy | Banca d'Italia |
| Portugal | Banco de Portugal |
Until the relevant authorisation has been granted in writing and any applicable EU passporting notifications are complete:
- Maisonflex is not authorised as a credit institution, payment institution, electronic money institution or investment firm in any EU/EEA jurisdiction;
- No binding offer of any regulated financial product is being made to consumers in any country;
- The information on this Platform is provided for informational purposes only and does not constitute a personal recommendation, financial advice, an offer or a solicitation.
Applicable EU and national law.
Once authorised, the relevant Local Entity will be subject to the EU-level and national frameworks below, as transposed and supplemented in its country of establishment.
- Mortgage Credit Directive 2014/17/EU (MCD) — ESIS, binding offer, reflection / withdrawal period, transparent APRC, creditworthiness assessment.
- Consumer Credit Directive 2008/48/EC and Directive (EU) 2023/2225 (CCD2) — to the extent any element falls within consumer-credit scope.
- Distance Marketing of Financial Services — Directive 2002/65/EC and Directive (EU) 2023/2673.
- Unfair Commercial Practices Directive 2005/29/EC and Unfair Contract Terms Directive 93/13/EEC.
- EU AML framework — 4AMLD / 5AMLD / 6AMLD, moving to Regulation (EU) 2024/1624 (AMLR) and Directive (EU) 2024/1640.
- GDPR (EU) 2016/679 and the ePrivacy Directive 2002/58/EC.
- DORA — Regulation (EU) 2022/2554 on ICT risk management and operational resilience.
- National sectoral law transposing the above and any country-specific home-equity / reverse-mortgage regime (e.g. Ley 41/2007 in Spain, prêt viager hypothécaire in France, prestito vitalizio ipotecario in Italy).
What we apply, even today.
Truthful communications
- Marketing is clear, fair and not misleading
- Indicative figures are clearly labelled with assumptions disclosed
- No high-pressure sales; no commission incentives that conflict with the customer's interest
Independent advice & reflection
- Independent legal advice before signing
- Independent property valuation by a qualified appraiser
- Cooling-off / reflection period in line with national law
- Documented suitability and affordability assessment
Vulnerability framework
- Training to identify vulnerability and escalate
- Plain-language documentation
- No-negative-equity safeguard where mandated
- Structured complaints and ADR routes
What you need to understand.
The product Maisonflex is preparing to offer is a long-term financial commitment secured on your home. Before considering it, you should understand that:
- The amount you ultimately repay (or the share of the property transferred) may be significantly higher than the amount you receive, particularly if property prices rise.
- It may reduce the inheritance available to your heirs.
- It may affect your entitlement to means-tested benefits or tax allowances.
- Early termination may involve fees and costs.
- Property values can fall as well as rise.
You should always obtain independent financial, legal and tax advice before entering into such a product.
How to raise a concern.
If you have a complaint about Maisonflex, please first contact us at [COMPLAINTS EMAIL]. We will acknowledge your complaint within the timeframe required by local law (typically within 1–10 business days) and provide a substantive final response within the statutory deadline (typically 15 business days for payment-services complaints under PSD2, and up to 8 weeks / 30 working days for other complaints, depending on jurisdiction).
If you are not satisfied with our final response, you may refer the complaint to the competent ADR body or financial ombudsman in your country of residence. You may also lodge a complaint with the national data-protection authority for data-protection matters, or with the prudential / conduct supervisor for regulatory matters.
Per-country ADR bodies, ombudsmen and statutory references are listed in the country annex (Spain, France, Germany, Italy, Portugal — published as each Local Entity is set up).
Reporting concerns.
Concerns about regulatory breaches, financial crime, fraud or misconduct by Maisonflex staff or partners may be reported confidentially to [COMPLAINTS EMAIL] or via the whistleblowing channel described on our Platform, in line with Directive (EU) 2019/1937 as transposed locally.
This page is a description of Maisonflex's regulatory posture. It is informational only and is not a substitute for the binding pre-contractual information that the relevant Local Entity will provide before any product is contracted.