Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions govern access to and use of the Uterkit real estate crowdlending platform (uterkit.com), operated by Uterkit S.A.S., incorporated under the laws of the Republic of Ecuador. By using this platform, you accept these terms in their entirety.
1. Definitions
Platform: the website uterkit.com and all associated digital services. Investor: a natural or legal person who participates in project financing through the Platform. Promoter: a natural or legal person who presents a real estate project for financing. Crowdlending: a collective financing mechanism through participatory loans backed by real estate assets.
2. Nature of service
Uterkit acts as a technological intermediary between investors and real estate project promoters. We are not a financial institution, bank, or securities firm. Indicated returns are estimates based on market analysis and do not constitute a guarantee of results. All investment carries risk, including possible partial or total loss of invested capital.
3. Participation requirements
To invest you must: be over 18 years old; legally reside in Ecuador or in a country that allows this type of investment; complete the identity verification process (KYC); declare the lawful origin of funds in accordance with UAFE regulations; accept the corresponding risk profile.
4. User obligations
You agree to: provide truthful and up-to-date information; not use the platform for illicit activities; maintain the confidentiality of your access credentials; immediately notify any unauthorized use of your account; respect the intellectual property of Uterkit and third parties.
5. Limitation of liability
Uterkit does not guarantee uninterrupted platform availability. We are not responsible for: losses derived from project investment (risk is assumed by the investor); technical interruptions, software errors, or connectivity failures; actions or omissions of project promoters; regulatory changes affecting platform operation.
6. Intellectual property
All platform content (brand, logo, texts, design, source code) is the exclusive property of Uterkit S.A.S. or its licensors. Reproduction, distribution, or modification without prior written authorization is prohibited.
7. Dispute resolution
Any dispute 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 judges of the Metropolitan District of Quito, Ecuador.
8. Modifications
We reserve the right to modify these terms. Substantial changes will be notified at least 15 days in advance via email and publication on the platform. Continued use after notification implies acceptance of the new terms.
9. Applicable law
These terms are governed by the laws of the Republic of Ecuador, in particular: the Organic Law on Personal Data Protection; the Electronic Commerce, Signatures, and Data Messages Law; the Securities Market Law; applicable resolutions of the Superintendency of Companies, Securities, and Insurance; and the Ecuadorian Civil Code.
10. Contact
For inquiries about these terms: legal@uterkit.com | Av. República del Salvador N34-127, Quito, Ecuador | Phone: +593 2 456 7890.