Terms and Conditions
Last updated: January 2024
Welcome to Co-opzx. These Terms and Conditions govern your use of our website and real estate crowdlending services. By accessing or using our platform, you agree to be bound by these terms.
1. Definitions
Platform: refers to the co-opzx.com website and all related services. User: any person who accesses or uses the Platform. Project: real estate investment opportunities available on the Platform. Investment: the financial contribution a User makes to a Project.
2. Acceptance of Terms
By using our Platform, you confirm that you are at least 18 years old, have the legal capacity to enter into a binding contract, are not prohibited by law from using financial services, and agree to comply with these Terms and Conditions.
3. Account Registration
To use certain services, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials, all activities that occur under your account, and notifying us immediately of any unauthorized use.
4. Investment Services
Co-opzx provides a platform to connect investors with real estate projects. We are not a financial institution or an investment advisor. All investments carry risks, including the potential loss of capital. We do not guarantee any specific investment return. You are responsible for conducting your own due diligence before investing.
5. Eligibility and Restrictions
Users must comply with all applicable regulatory requirements. We reserve the right to refuse service to any person for any reason. Certain investments may have minimum investment requirements or eligibility restrictions.
6. Fees and Payments
We may charge fees for our services, which will be clearly disclosed before you make an investment. All payments must be made through authorized payment methods on the Platform. Fees are non-refundable except as required by law.
7. Investment Risks
You acknowledge and accept that: all investments are speculative and carry a high degree of risk, you may lose some or all of your investment, past returns are not indicative of future results, investments may be illiquid and difficult to sell, and real estate developments may be delayed or fail.
8. Intellectual Property
All content on the Platform, including text, graphics, logos, and software, is owned by Co-opzx or its licensors. You may not reproduce, distribute, or create derivative works without our prior written permission.
9. Privacy and Data Protection
Your use of the Platform is also subject to our Privacy Policy. We collect, use, and protect your personal data in accordance with GDPR and Spanish data protection laws.
10. Limitation of Liability
To the maximum extent permitted by law, Co-opzx shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Platform, any investment loss or profits, or any action or omission by third parties.
11. Modifications
We reserve the right to modify these Terms at any time. Significant changes will be notified to you by email or through a prominent notice on the Platform. Your continued use after such changes constitutes your acceptance of the new terms.
12. Termination
We may suspend or terminate your account if you violate these Terms, engage in fraudulent activities, or for any other reason at our sole discretion. You may close your account at any time by contacting us.
13. Applicable Law and Jurisdiction
These Terms are governed by the laws of Spain. Any dispute will be resolved in the courts of Madrid, Spain.
14. Contact Information
For questions about these Terms and Conditions, contact us at: Co-opzx S.L., Calle Gran Vía 123, 28013 Madrid, Spain, Email: legal@co-opzx.com, Phone: +34 91 123 4567.