Terms & Conditions
Last updated: January 2026
1. Acceptance of Terms
By accessing and using the nelxico.com platform, operated by Nelxico SpA (hereinafter "Nelxico"), you agree to be bound by these Terms and Conditions. If you do not agree with any of these terms, please do not use the platform. Continued use of the site constitutes your acceptance of any future modifications to these terms.
2. Description of Service
Nelxico operates a digital real estate crowdlending platform that enables users to participate in collective financing of construction and urban development projects in Chile. The platform acts as a technological intermediary between investors and real estate project developers, facilitating the investment process, monitoring, and distribution of returns.
3. Eligibility
To use Nelxico's investment services, you must: be at least 18 years old, be a tax resident of Chile or hold a valid RUT, complete the identity verification process required by Chilean anti-money laundering regulations, and provide truthful and up-to-date information. Nelxico reserves the right to reject or cancel accounts that do not meet these requirements.
4. User Registration and Account
To access investment features, you must create an account providing truthful personal data. You are responsible for maintaining the confidentiality of your access credentials and for all activities conducted from your account. You must immediately notify Nelxico of any unauthorized use of your account.
5. Investment Process
Investments made through the platform are subject to the specific terms of each project, which will be disclosed in advance. Nelxico does not guarantee returns or recovery of invested capital. Estimated return timelines are indicative and may vary depending on market conditions and each project's development. Each investment involves inherent risks associated with the real estate sector.
6. Investment Risks
Real estate crowdlending involves significant risks, including but not limited to: partial or total loss of invested capital, delays in project execution, variations in expected returns, risks associated with the Chilean real estate market, and liquidity risk. Before investing, we recommend carefully evaluating your financial situation and consulting an independent financial advisor.
7. Fees and Charges
Nelxico may charge fees for services provided through the platform. Applicable fees will be clearly and advance disclosed before confirming any investment. Bank transfer costs and other associated expenses are borne by the investor, unless expressly stated otherwise.
8. Intellectual Property
All platform content, including texts, graphics, logos, images, software, and design, is the property of Nelxico SpA or its licensors and is protected by Chilean and international intellectual property laws. Reproduction, distribution, or modification of content without prior written authorization from Nelxico is prohibited.
9. Limitation of Liability
Nelxico acts as a technological intermediary and is not responsible for the success or failure of real estate projects published on the platform. To the maximum extent permitted by Chilean law, Nelxico shall not be liable for indirect, incidental, special, or consequential damages arising from the use of the platform or investments made through it.
10. Applicable Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Republic of Chile. For the resolution of any dispute arising from these terms or the use of the platform, the parties submit to the jurisdiction of the ordinary courts of the city of Santiago de Chile, waiving any other jurisdiction that may apply.
11. Dispute Resolution
Before initiating any judicial proceedings, the parties shall attempt to resolve their differences through direct negotiation for a period of thirty calendar days. If the dispute persists, the parties may resort to mediation before the Santiago Chamber of Commerce Arbitration and Mediation Center.
12. Modifications
Nelxico reserves the right to modify these Terms and Conditions at any time. Changes will be published on this page and, when substantial, registered users will be notified at least fifteen days in advance. Continued use of the platform after publication of changes constitutes your acceptance thereof.
13. Contact
For any inquiries about these Terms and Conditions, you may contact us at: Nelxico SpA, Av. Apoquindo 4700, Floor 12, Las Condes, Santiago, Chile. Email: contacto@nelxico.com. Phone: +56 2 2345 6789.