Terms & Conditions

These Terms and Conditions govern the access and use of the real estate crowdlending platform operated by Tectyre S.A. By registering or using our services, you accept these terms in their entirety. If you do not agree, you must refrain from using the platform.

1. Operator identification

Tectyre S.A., a corporation incorporated under the laws of the Republic of Ecuador, registered at the Commercial Registry of Cantón Quito under entry No. 2847-2019, with RUC 1792456781001. Registered office: Av. 12 de Octubre N24-562 y Cordero, World Trade Center Building, Tower A, Floor 11, Quito, Pichincha, Ecuador. License SCVS-DJMR-2020-0045 granted by the Superintendencia de Compañías, Valores y Seguros.

2. Nature of service

Tectyre operates as a technology intermediation platform that connects investors with real estate developers seeking collective financing for their projects. Tectyre is NOT a financial institution, bank, brokerage house, or fund manager. The platform facilitates the execution of loan agreements between parties, acting exclusively as a technological intermediary.

3. Eligibility requirements

To use Tectyre as an investor you must: (a) be at least 18 years old; (b) be a tax resident in Ecuador or hold a valid RUC/ID; (c) successfully complete the identity verification process (KYC); (d) declare the lawful origin of your funds; (e) accept these Terms and the Privacy Policy.

4. Investment risks

Real estate crowdlending involves significant risks that investors must understand: • Default risk: Developers may fail to meet their payment obligations. • Market risk: The value of real estate assets may fluctuate. • Liquidity risk: Investments are subject to fixed terms and there is no guaranteed secondary market. • Project risk: Construction delays, cost overruns, or regulatory changes may affect returns. Tectyre does not guarantee returns or full recovery of invested capital.

5. User obligations

Users commit to: providing truthful and up-to-date information; not using the platform for unlawful purposes; maintaining the confidentiality of access credentials; immediately reporting any unauthorized access; not attempting to circumvent security controls; and complying with all applicable tax regulations regarding returns obtained.

6. Fees and costs

Tectyre charges an intermediation fee deducted from generated returns. Current fees are published in each project's section before confirming the investment. There are no hidden costs. Applicable taxes (withholding at source, VAT on services) are calculated and reported according to the regulations of the Internal Revenue Service (SRI).

7. Intellectual property

All platform content (texts, designs, code, logos, trademarks) is the exclusive property of Tectyre S.A. or its licensors. Reproduction, distribution, or modification without prior written authorization is prohibited.

8. Limitation of liability

Tectyre shall not be liable for: losses arising from user investment decisions; temporary service interruptions due to maintenance or force majeure; acts or omissions of real estate developers; or regulatory changes affecting crowdlending operations in Ecuador.

9. Dispute resolution

Any dispute arising from these Terms shall preferably be resolved through mediation at the Mediation Center of the Quito Chamber of Commerce. If no agreement is reached, the parties submit to the jurisdiction of the competent courts of the city of Quito, province of Pichincha.

10. Modifications

Tectyre reserves the right to modify these Terms. Substantial changes will be notified at least 30 days in advance. Continued use of the platform after notification constitutes acceptance of the new terms.

11. Applicable law

These Terms are governed by the laws of the Republic of Ecuador, including the Commercial Code, the Companies Law, the Organic Law on Personal Data Protection, and the regulations of the Superintendencia de Compañías, Valores y Seguros applicable to collective financing platforms.