Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions (hereinafter, "Terms") govern access to and use of the real estate crowdlending digital platform operated by Ureristic S.A.S., with RUC 1792847653001, domiciled in Quito, Ecuador. By accessing or using the platform, you accept these Terms in their entirety.
1. Definitions
Platform: the website ureristic.com and all its associated services. Investor: a natural person who invests funds through the Platform. Promoter: a natural or legal person who presents real estate projects for financing. Project: a real estate investment opportunity published on the Platform. Trust: the legal vehicle that administers the funds of each project.
2. Usage requirements
To use the Platform as an investor you must: be over 18 years of age, be a tax resident in Ecuador, possess a valid identity card or passport, complete the identity verification process (KYC), and the investor suitability questionnaire in accordance with current regulations.
3. Nature of the service
Ureristic acts as a technological intermediary that facilitates the connection between investors and real estate project promoters. We are not a financial institution, bank, securities firm, or fund manager. We do not guarantee returns or the recovery of invested capital.
4. Investments
The minimum investment is $500 USD per project. Each investment is channeled through an independent mercantile trust administered by a trust company authorized by the Superintendencia de Compañías. Investor funds remain segregated from Ureristic's equity at all times.
5. Risks
Investing in real estate crowdlending carries significant risks, including but not limited to: partial or total loss of capital, investment illiquidity, promoter default risk, real estate market fluctuations, construction risk, and delays. Do not invest money you cannot afford to lose.
6. Fees
Ureristic charges a structuring fee of 2-3% on the total project amount (paid by the promoter) and a management fee of 0.5-1% annually on capital under management. There are no hidden costs or exit fees for the investor.
7. Intellectual property
All content on the Platform, including texts, graphics, logos, icons, and software, is the property of Ureristic S.A.S. or its licensors and is protected by Ecuador's intellectual property laws and international treaties.
8. Limitation of liability
Ureristic shall not be liable for direct, indirect, incidental, or consequential damages arising from the use of the Platform or investments made. Our maximum liability is limited to the amount of fees actually charged to the user in the last 12 months.
9. Dispute resolution
Any dispute arising from these Terms shall preferably be resolved through mediation before the Mediation Center of the Chamber of Commerce of Quito. If no agreement is reached, it shall be submitted to arbitration in accordance with Ecuador's Arbitration and Mediation Law.
10. Applicable law
These Terms are governed by the laws of the Republic of Ecuador. For anything not provided herein, the Civil Code, the Commercial Code, and Ecuador's Securities Market Law shall apply supplementarily.