Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions (hereinafter, "Terms") govern access to and use of the real estate crowdlending platform operated by Irutejast S.A. By registering or using our services, you accept these Terms in their entirety.
1. Operator Identification
Irutejast S.A., a corporation established under the laws of the Republic of Ecuador in 2021, with RUC 1792456789001, registered at the Mercantile Registry of Canton Quito under Entry No. 2021-045892. Authorized by the Superintendencia de Compañías, Valores y Seguros through Resolution No. SCVS-DNCPV-2023-0047 to operate as a collective financing platform.
2. Nature of the Service
Irutejast is a technology platform that connects investors with real estate project promoters in Ecuador. We are not a financial institution, we do not accept public deposits, and we do not grant credit directly. We act exclusively as a technological intermediary for collective financing in accordance with the SCVS regulatory framework.
3. Participation Requirements
To invest through Irutejast you must: • Be at least 18 years old. • Reside in Ecuador or be an Ecuadorian citizen abroad. • Complete the identity verification process (KYC). • Provide accurate financial information for risk profile determination. • Not appear on national or international restrictive lists.
4. Investment Risks
BY INVESTING THROUGH IRUTEJAST, YOU ACKNOWLEDGE AND ACCEPT THAT: • Real estate crowdlending involves risk of partial or total capital loss. • Projected returns are not guaranteed and are estimates based on prospective analysis. • There is no state deposit guarantee or insurance covering investments. • The liquidity of your investment is limited during the project term. • Macroeconomic, regulatory, or market factors may affect results.
5. User Obligations
As a platform user, you commit to: • Providing truthful, complete, and updated information. • Maintaining the confidentiality of your access credentials. • Not using the platform for illicit activities or money laundering. • Immediately reporting any unauthorized use of your account. • Complying with your tax obligations arising from investments made.
6. Intellectual Property
All platform content, including texts, graphics, logos, icons, images, software, and source code, is the property of Irutejast S.A. or its licensors and is protected by Ecuador's intellectual property laws and international treaties. Reproduction without express authorization is prohibited.
7. Limitation of Liability
Irutejast shall not be liable for: • Losses arising from investments made by users. • Temporary service interruptions due to maintenance or force majeure. • Inaccuracies in information provided by project promoters. • Indirect, incidental, or consequential damages. Our maximum liability is limited to the amount of fees actually charged to the user in the last 12 months.
8. Dispute Resolution
Any dispute arising from these Terms shall be resolved through arbitration administered by the Arbitration and Mediation Center of the Quito Chamber of Commerce, in accordance with its current regulations. Arbitration shall take place in Quito, Ecuador, in Spanish.
9. Modifications
Irutejast reserves the right to modify these Terms at any time. Substantial modifications will be notified at least 30 days in advance through the platform and email. Continued use of the platform after notification constitutes acceptance of the new Terms.
10. Applicable Law
These Terms are governed by the laws of the Republic of Ecuador. For anything not provided for in these Terms, the provisions of the Civil Code, Commercial Code, Organic Law on Personal Data Protection, and other applicable regulations shall apply.