Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions (hereinafter, "the Terms") govern access to and use of the Credelyx real estate crowdlending platform (credelyx.com), operated by Credelyx S.A., with registered address at Av. Libertador 6250, Floor 12, C1428ARS, Autonomous City of Buenos Aires, Argentina (CUIT: 30-71892645-3). By accessing or using the platform, you accept these Terms in their entirety.
1. Platform purpose
Credelyx operates as a digital collective financing (crowdlending) platform oriented to the real estate sector in Argentina, in accordance with Law No. 27,349 on Entrepreneurial Capital Support and the complementary resolutions of the National Securities Commission (CNV). The platform allows users to participate in the financing of real estate projects through collective contributions.
2. Participation requirements
To use Credelyx services, you must: • Be at least 18 years of age. • Reside in the Argentine Republic or in a country where legislation permits this type of investment. • Complete the registration and identity verification (KYC) process. • Provide truthful, complete, and up-to-date information. • Accept that investments in real estate crowdlending carry inherent risks.
3. Investment risks
Credelyx expressly informs that: • Investments in real estate projects involve risks of partial or total loss of invested capital. • Past returns do not guarantee future results. • Project timelines may extend beyond initial estimates. • Investment liquidity may be limited during the project's duration. • Credelyx does not guarantee the profitability of any project published on the platform. Before investing, we recommend carefully evaluating your financial situation and consulting with a professional advisor if you deem it necessary.
4. Role of Credelyx
Credelyx acts exclusively as a technological intermediary between investors and real estate developers. The platform: • Facilitates access to information about real estate projects. • Manages the investment process through digital means. • Conducts a preliminary evaluation of published projects. • Does not act as a guarantor or insurer of investments. • Does not offer personalized financial advice.
5. Intellectual property
All content on the platform, including texts, graphics, logos, images, software, and its design, is the property of Credelyx S.A. or its licensors and is protected by Argentine and international intellectual property laws (Law No. 11,723). Unauthorized reproduction, distribution, or modification of any platform content is prohibited.
6. Data protection
The processing of personal data is governed by our Privacy Policy and by Law No. 25,326 on Personal Data Protection of the Argentine Republic. By using the platform, you consent to the processing of your data as established therein.
7. Dispute resolution
Any controversy arising from the use of the platform shall be submitted to the jurisdiction of the ordinary courts of the Autonomous City of Buenos Aires, with both parties waiving any other jurisdiction that may correspond to them.
8. Applicable law
These Terms are governed by the laws of the Argentine Republic, including but not limited to: Law No. 27,349 on Entrepreneurial Capital Support, Law No. 26,994 (Civil and Commercial Code of the Nation), Law No. 24,240 on Consumer Protection, and their complementary regulations.
9. Modifications
Credelyx reserves the right to modify these Terms at any time. Modifications will take effect upon their publication on the platform. Continued use of the services after the publication of modifications constitutes acceptance of the new terms.
10. Contact
For inquiries related to these Terms and Conditions: Credelyx S.A. Av. Libertador 6250, Floor 12 C1428ARS — Buenos Aires, Argentina Email: legal@credelyx.com Phone: +54 11 5032-8700 CUIT: 30-71892645-3 CNV Registration No. 847