Terms & Conditions
Last updated: January 12, 2026
1. Acceptance
Access to and use of the cortexeec.com Platform implies full acceptance of these Terms & Conditions, together with the Privacy Policy and the Cookie Policy. If you do not agree with any provision, please refrain from using the Platform.
2. Nature of the service
Cortexeec operates as a Collaborative Financing Platform under the real estate crowdlending modality, authorised by Resolution SCVS-INMV-DNAR-2023-00012451. It acts as a technological intermediary between investors and real estate developers; it does not accept public deposits nor guarantee returns.
3. Who may register
Natural persons over 18 years of age with valid ID or passport may register, as well as legal entities lawfully incorporated in Ecuador or in jurisdictions accepted by our Compliance Manual. Individuals listed in international sanctions are excluded.
4. Risk acknowledgement
You acknowledge and accept that investing in real estate projects entails the risk of partial or total loss of the capital contributed. Published yields are developer targets, not guarantees. Before investing, we recommend that you read each project's information document and, if necessary, consult an independent financial advisor.
5. User obligations
You undertake to: provide truthful information; keep your credentials confidential; not use the Platform for illegal or money-laundering activities; and immediately notify any unauthorised use of your account.
6. Fees and charges
Cortexeec charges the developer an origination fee and an annual administrative fee on the outstanding loan balance. Investors pay only a 1% success fee on interest actually collected, automatically withheld at each distribution.
7. Intellectual property
All content, brands, logos and software on the Platform are the property of Cortexeec S.A.S. or its licensors. Reproduction, distribution or modification without written authorisation is prohibited.
8. Limitation of liability
Cortexeec is liable for gross negligence or wilful misconduct in providing the technological service. It is not liable for facts attributable to developers, nor for force majeure or fortuitous events that affect the execution of financed projects.
9. Suspension and account closure
We may suspend or close your account if you breach these Terms, if required by a competent authority or if we detect behaviour contrary to our anti-money-laundering policies. Uncommitted funds will be returned to you within a maximum of fifteen business days.
10. Governing law and dispute resolution
These Terms are governed by the laws of the Republic of Ecuador. Any controversy arising will be resolved before the Arbitration and Mediation Centre of the Quito Chamber of Commerce, by arbitration in law, with seat in the city of Quito.
11. Contact
For any inquiries about these Terms please write to legal@cortexeec.com.