Terms & Conditions
Last updated: February 4, 2026
1. Purpose
This document governs access and use of ecadros.com, operated by Ecadros S.A.S. (RUC 1793218460001), an Ecuadorian company based in Quito. Use of the site implies full acceptance of these terms.
2. Nature of the service
Ecadros operates as a collective financing (crowdlending) platform that facilitates contact between investors and real estate developers. Ecadros does not act as counterparty to the transactions and does not guarantee yields. Each transaction is documented through a loan agreement secured by a mortgage signed before a public notary in Ecuador.
3. Registration and verification
The user must be of legal age and complete the KYC process by providing a valid Ecuadorian ID or passport, proof of address and a declaration of the lawful origin of funds, in accordance with UAFE regulations.
4. Risks
Investing in real estate crowdlending involves liquidity risk, developer credit risk and mortgage foreclosure risk. Yields are not guaranteed and capital may be partially or totally lost.
5. Fees
Ecadros charges an administration fee of 1% per year on the invested capital and a 5% success fee on the interest actually received by the investor. Fees are detailed in each deal before investing.
6. Intellectual property
All site content (texts, logos, images, databases) is owned by Ecadros S.A.S. or used under license. Reproduction without express authorization is prohibited.
7. Amendments
Ecadros reserves the right to amend these terms. Amendments will be published at ecadros.com and will take effect fifteen (15) days after publication.
8. Governing law and jurisdiction
These terms are governed by the laws of the Republic of Ecuador. Any dispute will be submitted to mediation at the Arbitration and Mediation Center of the Quito Chamber of Commerce and, failing that, to the courts of the Metropolitan District of Quito.