Terms & Conditions

1. Service description

VelaroHQ is a digital real estate crowdlending platform that allows users to participate in the collective financing of construction, renovation, and urban development projects in Argentina. The Platform acts as a technological intermediary between investors and real estate developers, facilitating connection, information flow, and project monitoring.

2. Eligibility requirements

To use the Platform as an investor, you must:

• Be at least 18 years old and have legal capacity to enter into contracts.
• Reside in the Argentine Republic or in a country where the use of these services is legally permitted.
• Provide truthful, complete, and up-to-date information during the registration process.
• Comply with current anti-money laundering and counter-terrorism financing regulations (Law 25,246 and amendments).

3. Investment risks

All investment involves risks. By using the Platform, you acknowledge and accept that:

• Real estate crowdlending does not guarantee fixed returns or the return of invested capital.
• Real estate projects are subject to market fluctuations, execution delays, regulatory changes, and other external factors.
• The value of your investment may fluctuate, and there is a possibility of partial or total loss of the contributed capital.
• VelaroHQ does not act as guarantor or insurer of investments made through the Platform.

4. No guarantee

VelaroHQ does not guarantee the profitability of any project published on the Platform. Projections and return estimates presented are merely indicative and based on assumptions that may not materialize. Each user is responsible for evaluating the risks before making any investment.

5. Fees and expenses

VelaroHQ may charge commissions for investment intermediation, which will be clearly disclosed prior to the confirmation of each transaction. Costs associated with bank transfers, taxes, or other fiscal obligations are the sole responsibility of the investor.

6. Intellectual property

All content on the Platform—including text, graphics, logos, images, software, and design—is the exclusive property of VelaroHQ S.A. or its licensors, and is protected by Argentine intellectual property laws (Law 11,723). Reproduction, distribution, or modification without express authorization is prohibited.

7. User obligations

By using the Platform, you agree to:

• Not use the Platform for unlawful purposes or purposes contrary to these Terms.
• Not attempt to access restricted areas or interfere with the Platform's operation.
• Maintain the confidentiality of your access credentials.
• Immediately notify VelaroHQ of any unauthorized use of your account.

8. Limitation of liability

VelaroHQ shall not be liable for direct, indirect, incidental, or consequential damages arising from the use of the Platform, including but not limited to financial losses from investments made. The Platform is offered 'as is' and 'as available'.

9. Jurisdiction and applicable law

These Terms are governed by the laws of the Argentine Republic. Any dispute arising from their interpretation or compliance shall be submitted to the jurisdiction of the Ordinary Commercial Courts of the City of Buenos Aires, with the parties waiving any other forum or jurisdiction that may apply.

10. Dispute resolution

Before initiating any legal action, the parties commit to attempting to resolve disputes in good faith through direct negotiation for a period of 30 days. If no agreement is reached, either party may resort to Mandatory Pre-judicial Mediation in accordance with Law 26,589.

11. Modifications

VelaroHQ reserves the right to modify these Terms at any time. Modifications will take effect upon publication on the Platform. Continued use of the Platform after the publication of changes implies acceptance of the new Terms.

12. Contact

For inquiries about these Terms and Conditions, you may write to us at legal@velarohq.com or visit our office at Av. Corrientes 1234, Floor 8, Office B — C1043AAZ, City of Buenos Aires, Argentina.