Terms & Conditions

1. Acceptance of terms

By accessing and using the Datolixo platform (hereinafter, "the Platform"), available at datolixo.com, you fully accept these Terms and Conditions. If you disagree with any of these provisions, please refrain from using our services.

Datolixo SpA, with Tax ID (RUT) 77.891.234-5, is a company incorporated under the laws of the Republic of Chile, with registered address at Av. Apoquindo 4800, Office 1201, Las Condes, Santiago, Chile.

2. Service description

The Platform operates as a technological intermediary that facilitates the connection between investors and real estate projects through the crowdlending model. Datolixo does not act as a banking entity or investment company, but as a participatory financing platform regulated by Chile's Financial Market Commission (CMF).

Through the Platform, users can:

Explore real estate projects available for collective financing. Make capital contributions to selected projects. Track the progress of construction and the status of their investments. Receive corresponding returns once projects are completed.

3. Eligibility requirements

To use the Platform's investment services, you must:

Be at least 18 years old and have legal capacity to enter into binding contracts.

Possess a valid Chilean national identity card or, in the case of foreigners, a valid passport and residency in Chile.

Complete the identity verification process (KYC) in accordance with anti-money laundering regulations.

Provide truthful and up-to-date information at all times.

Datolixo SpA reserves the right to reject or suspend accounts that do not meet these requirements.

4. Investment risks

Investing in real estate crowdlending projects carries inherent risks that you should consider before making any contribution:

Capital loss risk: The total or partial return of invested capital is not guaranteed. Real estate projects are subject to market, construction, regulatory, and other risks that may affect their profitability.

Liquidity risk: Investments made through the Platform are not liquid. Invested capital is subject to project timelines, which may range from 12 to 48 months.

Delay risk: Construction projects may experience delays due to causes beyond Datolixo SpA's control, such as weather conditions, municipal permits, or material availability.

Datolixo SpA does not provide personalized financial advice nor guarantee specific returns. Each investor is responsible for evaluating their own financial capacity and risk tolerance.

5. Fees and costs

Datolixo SpA charges a commission for the intermediation of each investment, the specific percentage of which is detailed in each project's information sheet before confirming participation. This commission is deducted from the return generated by the investment.

No commissions are charged for registration on the Platform or for viewing available projects. Costs associated with bank transfers are borne by the user according to their financial institution's terms.

6. Intellectual property

All content on the datolixo.com website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and data compilations, are the property of Datolixo SpA or its content providers and are protected by the intellectual property laws of the Republic of Chile and applicable international treaties.

The reproduction, distribution, modification, or commercial use of any Platform content without prior written authorization from Datolixo SpA is prohibited.

7. Limitation of liability

Datolixo SpA acts exclusively as a technological intermediary and does not guarantee the commercial success or profitability of projects published on the Platform. To the maximum extent permitted by Chilean law:

Datolixo SpA shall not be liable for financial losses arising from investments made by users.

Datolixo SpA does not guarantee uninterrupted availability of the Platform and shall not be liable for damages caused by service interruptions due to technical causes or force majeure.

The total liability of Datolixo SpA to any user shall not exceed the total amount of commissions paid by that user during the 12 months prior to the event giving rise to the claim.

8. Applicable law and dispute resolution

These Terms and Conditions are governed by the laws of the Republic of Chile. Any dispute arising from or related to the use of the Platform shall be submitted, in the first instance, to a mediation procedure before the Arbitration and Mediation Center of the Santiago Chamber of Commerce.

If mediation fails to resolve the dispute within 30 business days, the parties may submit the dispute to the ordinary courts of justice of the city of Santiago, Chile.

9. Modifications

Datolixo SpA reserves the right to modify these Terms and Conditions at any time. Modifications will take effect upon publication on the website. In the event of substantial changes, registered users will be notified at least 15 days in advance via email.

Continued use of the Platform after the publication of modified Terms and Conditions constitutes acceptance thereof.

10. Contact

For any inquiry related to these Terms and Conditions, you may contact us at:

Email: contacto@datolixo.com Postal address: Av. Apoquindo 4800, Office 1201, Las Condes, Santiago, Chile Phone: +56 2 2345 6789