Last updated: January 1, 2026
Terms & Conditions
These Terms & Conditions govern the access and use of the ecaluna.com website, owned by Ecaluna Inversiones Inmobiliarias S.A.S., incorporated in 2026 in Quito, Ecuador, Tax ID 1793218456001, hereinafter 'Ecaluna'. The use of the site implies full acceptance of these terms.
1. Purpose of the service
Ecaluna operates a collective financing (crowdlending) platform that connects investors with real estate projects located in Ecuadorian territory. Ecaluna does not act as a banking entity nor does it guarantee the profitability of the published transactions.
2. Registration and verification
To invest it is necessary to create an account and complete the identity verification procedure (KYC) and declaration of source of funds required by the Financial and Economic Analysis Unit (UAFE) of Ecuador. Ecaluna reserves the right to reject registrations that do not comply with applicable regulations.
3. How crowdlending works
Each published project includes its amount, term, interest rate, mortgage guarantee and payment conditions. The investor acts as a lender to the developer; the property remains as an open mortgage guarantee in favor of the appointed collateral agent.
4. Investor risks
Real estate crowdlending investments involve the risk of total or partial loss of capital, the risk of developer default, liquidity risk (there is no guaranteed secondary market) and the risk of variation in the value of the property. The user declares to understand these risks before contributing capital.
5. Fees
Ecaluna charges a 1% annual fee on the invested and outstanding capital, deducted from the interest paid. Developers are charged a 2% structuring fee on the financed amount. There are no hidden fees or penalties for withdrawing capital at maturity.
6. Intellectual property
All contents, brands, logos and technological developments of ecaluna.com are owned by Ecaluna or its licensors. Their reproduction, distribution or transformation without prior written authorization is prohibited.
7. Limitation of liability
Ecaluna is not responsible for losses arising from developer default, fortuitous events, force majeure or acts of authority. Nor is it responsible for the content linked from the site or for temporary service interruptions due to maintenance.
8. Modification of terms
Ecaluna may modify these Terms & Conditions to adapt them to regulatory or operational changes. The modifications will be communicated at least fifteen days in advance to registered users by email.
9. Applicable law and jurisdiction
These Terms are governed by the law of the Republic of Ecuador. The parties expressly submit to the jurisdiction of the judges and courts of Quito, Metropolitan District, waiving any other jurisdiction that may correspond to them.