CK Investments, a company involved in real estate transactions, has been accused by the Polish competition authority of misleading consumers regarding the purchase of investment promissory notes. The company promoted these notes as secure investment opportunities, suggesting guaranteed capital returns, which may mislead consumers about the associated risks.

The authority's investigation revealed that the marketing materials provided by CK Investments could distort consumer behavior, leading them to believe that these investment notes were as safe as bank deposits or government bonds. The authority emphasized that consumers have the right to receive accurate and non-deceptive information from businesses.

Notably, the term 'investment promissory note' is not recognized in legal regulations and was created by businesses to attract capital. The safety of these notes relies solely on the issuer's solvency, as they are not protected by any banking guarantee system or supervised by the financial supervisory authority. This raises significant concerns about the potential loss of invested funds if the issuer faces financial difficulties.

If the allegations of violating collective consumer interests are confirmed, CK Investments could face fines of up to 10% of its turnover. The authority is also investigating other companies involved in similar practices, including Credit Royal and two companies from the Assay Group, which have also been accused of misleading advertising regarding investment promissory notes.