1. Acceptance of Terms
By accessing or using the website calvexium.com (the "Platform"), you agree to be bound by these Terms of Use. These Terms apply to all visitors, users, and others who access or use the Platform. If you do not agree with any part of these Terms, please do not use the Platform.
These Terms are governed by the laws of Chile, including but not limited to the Civil Code, the Consumer Protection Law (Ley N° 19.496), and applicable digital commerce regulations.
2. Nature of the Platform
Calvexium is an educational platform. Its sole purpose is to provide informational and educational content about real estate collective investment and crowdlending structures, risk factors relevant to such structures, and the Chilean regulatory framework that applies to them.
The Platform does not operate as a financial intermediary, investment advisor, broker, or platform for financial transactions of any kind. It does not facilitate, process, or participate in any investment, loan, or financial operation. All content is informational only.
3. No Financial Advice
Nothing on this Platform constitutes financial advice, investment advice, legal advice, or any other form of professional advice. The educational content is provided for general informational purposes only.
Calvexium does not recommend, endorse, or evaluate any specific investment platform, project, product, or opportunity. Any decision to engage with a real estate crowdlending platform or any other financial structure is entirely the user's own decision and responsibility. Users are encouraged to seek qualified professional advice before making any financial decision.
Past performance of real estate markets or crowdlending structures, where referenced in educational content, is presented for illustrative purposes only and does not indicate future results.
4. Platform Access
Access to certain course content on the Platform may require registration or payment of a fee as described on the Plans and Fees page. Calvexium reserves the right to modify, suspend, or discontinue any part of the Platform at any time. Access to paid content is subject to the specific terms agreed at the time of purchase.
You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. You must notify Calvexium immediately of any unauthorized use of your account.
5. Intellectual Property
All content on the Platform, including but not limited to text, course materials, graphics, logos, and design elements, is the property of Calvexium SpA or its content licensors and is protected by applicable Chilean and international intellectual property laws.
You may access and use Platform content for personal, non-commercial educational purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without the prior written permission of Calvexium SpA.
6. User Conduct
When using the Platform, you agree not to:
- Use the Platform for any unlawful purpose or in violation of applicable Chilean law.
- Attempt to gain unauthorized access to any part of the Platform or its systems.
- Interfere with or disrupt the operation of the Platform or its servers.
- Use automated tools to scrape, copy, or extract content from the Platform without authorization.
- Misrepresent your identity or affiliation when using the Platform.
7. Availability
Calvexium aims to maintain the availability of the Platform but does not guarantee uninterrupted access. The Platform may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. Calvexium is not liable for any loss or inconvenience arising from Platform unavailability.
8. External Links
The Platform may contain links to external websites for informational reference purposes, including links to the CMF website and relevant legislative texts. Calvexium does not control and is not responsible for the content, privacy practices, or accuracy of any external website. The inclusion of a link does not imply endorsement by Calvexium.
9. Limitation of Liability
To the fullest extent permitted by applicable Chilean law, Calvexium SpA shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Platform, or from reliance on any content provided on the Platform.
The educational content is provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. Regulatory and market information may change; users should verify current conditions independently.
10. Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with the laws of Chile. Any dispute arising from or relating to these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the competent courts of Concepción, Chile, unless mandatory consumer protection laws provide otherwise.
11. Modifications to These Terms
Calvexium reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to the Platform with an updated "Last Updated" date. Continued use of the Platform after the posting of changes constitutes your acceptance of the revised Terms.
12. Contact
For questions about these Terms of Use, please contact:
Calvexium SpA
Libertador Gral. Bernardo O'Higgins 1186, Oficina 1007, Concepción, Chile
Email: info@calvexium.com
Phone: +56 41 232 8573