Indemo Reviews 

Reply from Indemo

Jul 14, 2026

Thank you, Tobi, for your review. We’re glad to hear the platform is working well for you and that the website helps you stay informed about your investments and their progress.

You are right that discounted, mortgage-backed debt investments require patience. We appreciate your trust and your understanding of the long-term nature of the product.

Reply from Indemo

Jul 14, 2026

Thank you for your review and for sharing your experience. We’re glad you find the platform easy to use and that you have already received returns from some of your investments.

It is great to hear that Indemo fits naturally into your routine, allowing you to choose your investments and follow their progress without requiring much time. We also appreciate your positive feedback about our email reminders.

Thank you for your trust.

Reply from Indemo

Jul 14, 2026

Thank you, Andrius, for your review and for being with Indemo for almost two years.

We’re glad you find the platform investor-friendly and promising. We also understand your point that a fuller assessment depends on more opportunities reaching repayment.

When investing across multiple debts, each one can reach an exit at a different time. As a result, only part of the overall portfolio may have been repaid so far, while the remaining opportunities continue progressing through legal, servicing, negotiation, or alternative exit routes.

We appreciate your patience and your balanced feedback. We hope the coming period brings further repayments and more completed outcomes across your portfolio.

Reply from Indemo

Jul 14, 2026

Thank you, Aivaras, for your review and encouragement. We’re glad to hear the platform has delivered results for you and that you value the honest communication from our support team.

We appreciate your understanding of the challenges that come with building and improving a growing investment platform. Thank you for your trust and support.

Reply from Indemo

May 14, 2026

Thank you, Lina, for your feedback. We’re sorry to hear Indemo has not met your expectations and we understand your frustration.

Indemo investments are long-term by nature and outcomes depend on when each opportunity reaches an exit event, which can take time and does not follow a fixed schedule. We know this is not suitable for every investor, especially if you prefer shorter timelines.

Thank you again for sharing your perspective. We take it seriously and will continue working to improve how we set expectations and communicate progress so investors can make informed decisions.

Reply from Indemo

May 14, 2026

Thank you, AN, for your review and for the balanced feedback.

We’re glad to hear you find Indemo useful for diversification, that onboarding was smooth, and that deposits and withdrawals have worked well for you.

We also understand your point about the learning curve. DDIs and the recovery process can take time to get comfortable with, especially when reviewing detailed figures and the steps that may lead to a foreclosure auction. We are continuing to improve how we explain the product and present information, and we publish educational articles on our blog to help investors understand the key concepts and timelines more easily.

Thank you again for the feedback. It helps us prioritize improvements to clarity and user experience.

Reply from Indemo

May 14, 2026

Thank you, Pavel, for your review. We’re glad you see Indemo as a strong way to invest in secured, asset-backed opportunities with attractive profitability. We appreciate your trust and will continue focusing on transparency, compliance, and a reliable investor experience.

Reply from Indemo

May 14, 2026

Thank you, Cabin, for your review and for sharing your experience after 8 months on Indemo.

We’re glad to hear you find the platform transparent and easy to use, and that the long-term nature of property-backed debt investments matches your expectations. It’s also great to hear your feedback about our customer service and the clarity of our communication.

We appreciate your trust and your recommendation, and we’ll keep focusing on transparency, compliance, and a reliable investor experience.

Reply from Indemo

May 14, 2026

Thank you, Inese, for your review. We’re glad you find the platform well thought out and the investment products high quality.

We also appreciate your feedback on our communication and product explanations. Thank you for recommending Indemo as a way to diversify a portfolio.

Reply from Indemo

May 14, 2026

Thank you, Ahmad, for your review and for sharing what you value about Indemo.

We’re glad you find the interface easy to use and the product focus clear. Your point about discounted acquisition and the safety margin is exactly how we think about disciplined investing in this asset class.

It’s also great to hear our support team was responsive and helpful, and that the zero platform fee structure is meaningful for you. We appreciate your trust and look forward to supporting you as you continue investing.

Reply from Indemo

May 14, 2026

Thank you, Viktorija, for your review. We’re glad you find Indemo informative and easy to use, and that the investment opportunities and returns have met your expectations.

We also appreciate your feedback on our support team and communication. Thank you for your trust.

Reply from Indemo

May 14, 2026

Thank you, Lucas, for your review. We appreciate your recommendation and are glad you value the clarity and transparency of the platform.

We’ll keep focusing on consistent communication, compliance, and a strong investor experience over the long term.

Reply from Indemo

Apr 27, 2026

Thank you, Vitalijs, for your review and for sharing such detailed results after more than two years on the platform.

We’re glad to hear that a large share of your initial portfolio has already been repaid and that your returns have been in the 14% to 22% XIRR range. It is also great to hear your feedback on the quality of the Spanish residential collateral, the clarity of the product explanation, and the consistency of our communication.

We appreciate your trust and your long-term support.

Reply from Indemo

Apr 27, 2026

Thank you, Giedrius, for your feedback. We’re sorry to hear the experience has been disappointing.

Indemo investments are discounted, mortgage-backed debt opportunities and are long-term by nature. When you invest across multiple opportunities, they can reach exits at different times, so at a given point it is possible that only a smaller portion of the overall portfolio has completed and repaid.

It is also important to note that the Flow Stages shown on the platform reflect legal stage movement only. Legal progression is not the only recovery route, and successful outcomes can also occur through out-of-court settlements or a sale on the debt secondary market. For this reason, a lack of visible legal stage change does not mean no work is being done. Servicing, legal preparation, and negotiations often happen behind the scenes until an exit event is achieved.

Thank you again for sharing your perspective. We take it seriously and will keep improving how we communicate progress and expectations so the long-term nature of these investments is clearer.

Reply from Indemo

Apr 27, 2026

Thank you Janis for your feedback. We’re sorry to hear that your experience has not met expectations.

Indemo does not promise a fixed 20% per year return. Returns depend on the exit outcome and timing of the underlying discounted, mortgage-backed debt opportunities, and these do not follow a guaranteed schedule. When you invest across multiple opportunities, they can reach exits at different times, and legal stage movement shown on the platform reflects only one part of the overall recovery process. Recoveries can also occur through out-of-court settlements or a sale on the debt secondary market.

We understand your point about access to funds. These investments are long-term by nature, and they are not comparable to a bank deposit in terms of liquidity or predictability.

Thank you again for sharing your experience. We take this feedback seriously and will continue improving how we set expectations and communicate timelines and outcomes.

Reply from Indemo

Apr 27, 2026

Thank you, Dovidas, for your review. We’re glad to hear the platform works well for you.

Thank you also for the suggestion on statements. Making them simpler and giving investors the option to view principal only (and similar filters) is a useful idea, and we’ll take this feedback into our product improvements.

Reply from Indemo

Apr 27, 2026

Thank you, Jonas, for the detailed review. We’re sorry to hear that communication and transparency have not met your expectations, especially after you invested across multiple notes and opportunities.

It is important to clarify that Flow Stage changes on the platform reflect legal stage movement only. Legal progression is just one of several potential exit routes, and many successful outcomes occur outside formal court movement, including out-of-court settlements or a sale on the debt secondary market. For this reason, an absence of visible legal stage change should not be interpreted as inactivity. A significant amount of servicing, legal preparation, and negotiation work can take place behind the scenes until an exit event is reached.

That said, we take your point on communication seriously. We have been investing resources into clearer and more frequent updates, including regular Flow Stages updates, focused case updates, and educational articles on our blog. We also share these updates via our newsletter and Telegram so investors do not miss important developments.

On diversification, thank you for raising the overlap you experienced. Since the launch of our “1 Note : 1 Debt” investment method, investors now have full visibility and control over exactly which debts they invest into, making it easier to diversify intentionally and avoid unwanted concentration.

Thank you again for the candid feedback. We take it seriously and will keep improving both progress communication and portfolio tools to better serve investors.

Reply from Indemo

Apr 15, 2026

Thank you, Lukas, for your feedback. We’re sorry to hear about the trouble you’ve had with deposits being refunded and the frustration with support.

Indemo does not refuse client funds arbitrarily. Transfers can be automatically returned for compliance and payment processing reasons, for example when the sending account details do not match the verified investor details, the transfer reference is missing or incorrect, or additional checks are required under AML/CFT rules.

We understand how disruptive this is when you are trying to complete a deposit in order to proceed with a withdrawal. Our support team can only resolve this once the transfer details are reviewed against the account verification and payment records.

Please contact support again and include the exact transfer date, amount, sender bank account name and IBAN, and any payment reference you used, along with any refund confirmation you received from your bank. This will allow the team to identify the reason for the refund and explain the required next step.

Thank you again for raising this. We take it seriously and are working to improve both the clarity of these requirements and the speed of support resolution in these cases.

Reply from Indemo

Apr 15, 2026

Thank you, Vitalijus, for sharing your experience. We’re sorry to hear that the timeline and communication have not met your expectations.

Indemo investments are discounted, mortgage-backed debt opportunities and are long-term by nature. When you invest across multiple opportunities, they can reach exits at different times, and legal stage progression is only one part of the overall picture. The stages shown on the platform reflect legal stage movement only. Many important steps happen behind the scenes through servicing actions, legal preparation, and negotiations, and successful recoveries can also occur through out-of-court settlements or a sale on the debt secondary market. For this reason, a lack of visible stage movement does not mean no work is being done.

On returns and timing expectations, we understand your point. These investments do not follow a fixed schedule, so we avoid publishing date-based forecasts that could be misleading. That said, we are investing resources into clearer, more frequent communication. This includes regular Flow Stages updates, focused case updates, and educational articles on our blog, which we also share through our newsletter and Telegram.

Regarding your message to support, we aim to respond to all investor enquiries. If you have not received a reply, we apologize. Please resend your message via the official support channel and include your previous subject line or reference number so we can ensure it is correctly routed.

Thank you again for the feedback. We take it seriously and will keep improving how we communicate progress, timelines, and expectations.

Reply from Indemo

Apr 15, 2026

Thank you, Miguel, for your feedback. We’re sorry to hear that the lack of timing visibility and updates has led to a negative experience.

We understand the desire for an approximate forecast. In discounted, mortgage-backed debt investing, outcomes do not follow a fixed schedule because they depend on real-world legal, servicing, and negotiation processes. For that reason, we avoid publishing date-based forecasts that could be misleading.

We also want to clarify that the stage view reflects legal stage movement only. Many important steps happen behind the scenes and are not always reflected as frequent stage changes. In addition, legal progression is not the only recovery route. Successful exits can also occur through out-of-court settlements or a sale on the debt secondary market. So an absence of visible legal stage movement does not mean inactivity.

That said, we take your point on communication. We are investing resources into clearer and more frequent updates through our Flow Stages updates, focused case posts, and educational articles on our blog. We also share these updates through our newsletter and Telegram so investors do not miss important developments.

Thank you again for sharing your perspective. We take it seriously and will keep improving how we communicate progress and expectations.