A. Acceptance of Terms
By accessing and using the website calvionyx.com (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.
These Terms of Use apply to all visitors and users of the Website. Calvionyx SpA reserves the right to modify these terms at any time. Updated terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Website after changes are posted constitutes acceptance of the updated terms.
B. Nature of Content
The Website is an educational platform operated by Calvionyx SpA. Its purpose is to provide informational content about the regulatory framework applicable to real estate crowdlending in Chile, including the role of the Comisión para el Mercado Financiero (CMF) and the requirements of Ley 21.521 (Fintech Law).
All content on the Website is provided for educational and informational purposes only. Content is prepared based on publicly available regulatory information and is intended to help users understand the general regulatory landscape. It is not intended to be comprehensive, exhaustive, or definitive.
Calvionyx SpA makes reasonable efforts to ensure that content is accurate and current. However, regulations change, and we cannot guarantee that all content reflects the most current state of the law at any given time. Users should verify current regulatory requirements through official sources, including the CMF website (cmf.cl).
C. No Professional Advice
Nothing on this Website constitutes legal advice, financial advice, investment advice, or any other form of professional advice. The content is educational in nature and does not take into account your individual circumstances, objectives, or needs.
Calvionyx SpA is not a law firm, a financial services provider, a regulated financial adviser, or a crowdlending platform operator. We do not hold any license or authorization to provide legal or financial services.
Before making any decision relating to crowdlending, real estate investment, or any financial product, you should seek advice from a qualified legal or financial professional who can consider your specific situation.
D. Intellectual Property
All content on the Website, including text, graphics, logos, and design elements, is the property of Calvionyx SpA or its licensors and is protected by applicable intellectual property laws. The Calvionyx name and logo are proprietary to Calvionyx SpA.
You may view and print content from the Website for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from the Website without the prior written consent of Calvionyx SpA.
E. Permitted and Prohibited Use
You may use the Website for lawful, personal, and educational purposes. You must not:
- Use the Website in any way that violates applicable Chilean law or regulation
- Attempt to gain unauthorized access to any part of the Website or its underlying systems
- Transmit any harmful, offensive, or disruptive content through the contact form
- Use automated tools to scrape, crawl, or extract content from the Website without permission
- Misrepresent the source or nature of content from the Website
Calvionyx SpA reserves the right to restrict access to the Website for users who violate these terms.
F. External Links
The Website may contain links to external websites, including official government and regulatory websites such as the CMF. These links are provided for informational convenience only. Calvionyx SpA does not control, endorse, or take responsibility for the content of external websites.
Links to external sites do not imply any association between Calvionyx SpA and those sites. We encourage users to review the terms and privacy policies of any external sites they visit.
G. Limitation of Liability
To the fullest extent permitted by Chilean law, Calvionyx SpA shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Your use of or reliance on the educational content on the Website
- Any inaccuracy or incompleteness in the content
- Any decisions made based on information from the Website
- Interruption or unavailability of the Website
The Website and its content are provided "as is" without warranties of any kind, express or implied. Calvionyx SpA does not warrant that the Website will be error-free, uninterrupted, or free from viruses or other harmful components.
H. Website Availability
Calvionyx SpA does not guarantee that the Website will be available at all times. The Website may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control. We will make reasonable efforts to minimize downtime but accept no liability for periods of unavailability.
I. Governing Law and Jurisdiction
These Terms of Use are governed by the laws of Chile. Any dispute arising from or relating to these terms or the use of the Website shall be subject to the jurisdiction of the competent courts of Chile.
If any provision of these Terms of Use is found to be invalid or unenforceable under Chilean law, the remaining provisions shall continue in full force and effect.
J. Contact
If you have questions about these Terms of Use, please contact us:
Calvionyx SpA
Av. Sta. María 7550, Concepción, Chile
Email: info@calvionyx.com
Phone: +56 9 9832 6549