Terms & Conditions
Last updated: January 12, 2026
1. Purpose
These terms govern access to and use of the website ecavalor.com, owned by Ecavalor S.A., an Ecuadorian public limited company with tax ID 1792843017001. Use of the site implies full acceptance of these terms by the user.
2. Nature of the service
Ecavalor operates a crowdlending platform aimed at connecting investors with real estate developers in Ecuador. Ecavalor is not a bank, an investment fund or a securities intermediary; it acts as a technology facilitator and administrative agent of the deals published on its platform.
3. Published information
The information on the site is published for information purposes and does not constitute a public offering nor a personalized investment recommendation. Each deal has its own contractual documentation, payment schedule and mortgage collateral, which prevail over any message on the site.
4. Newsletter subscription
By completing the subscription form, the user authorizes Ecavalor to send commercial communications by email, in accordance with the Privacy Policy. The user may unsubscribe at any time via the link included in each email.
5. Investment risks
All investing involves risk. Real estate crowdlending may generate partial or total losses of capital if the sponsor defaults and the enforcement of the mortgage does not cover the outstanding balance. Published returns are gross, before taxes and fees, and do not guarantee future results.
6. Intellectual property
All content on the site (texts, images, graphics, the Ecavalor brand) is protected by Ecuadorian intellectual property laws and international treaties. Total or partial reproduction without written authorization from Ecavalor S.A. is prohibited.
7. Applicable law and jurisdiction
These terms are governed by the laws of the Republic of Ecuador. Any dispute arising from the use of the site will be submitted to the competent judges and courts of the city of Quito, Metropolitan District, with the parties expressly waiving any other jurisdiction that might apply.
8. Amendments
Ecavalor S.A. reserves the right to modify these terms at any time. Amendments will take effect from their publication on the site. Users are advised to review this document periodically.