Terms of Use

1. Acceptance of Terms

By accessing or using the website calvexora.com (the "Website"), you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Website.

The Website is operated by Calvexora SpA (RUT: 92.386.314-0), a company incorporated under Chilean law, with registered address at Av. Vasco Núñez de Balboa 6686, Concepción, Chile.

2. Nature of the Website and Educational Disclaimer

Calvexora.com is a digital educational platform. All content published on this Website is provided for informational and educational purposes only. Specifically:

• Content describes how the Chilean real estate market functions as an economic sector.
• Content explains financial concepts, legal frameworks, and market dynamics in general educational terms.
• Nothing on this Website constitutes financial advice, investment advice, legal advice, or any form of personalized guidance.
• Calvexora SpA does not manage, solicit, collect, or facilitate the transfer of funds of any kind.
• Calvexora SpA does not recommend specific properties, projects, investment products, or financial instruments.

Users who require personalized financial, investment, or legal advice should consult qualified professionals licensed to provide such services in Chile.

3. Permitted Use

You may access and use the Website for personal, non-commercial educational purposes. You agree not to:

• Copy, reproduce, distribute, or create derivative works from Website content without prior written permission from Calvexora SpA.
• Use the Website in any way that could damage, disable, or impair its functioning.
• Attempt to gain unauthorized access to any part of the Website or its underlying systems.
• Use automated tools, bots, or scrapers to extract content from the Website.
• Use the Website to transmit unsolicited communications or spam.
• Misrepresent your identity or affiliation when contacting Calvexora SpA through the Website.

4. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, program materials, and the overall design and structure of the Website, is the property of Calvexora SpA or its licensors and is protected under applicable Chilean intellectual property law, including Law 17.336 on Intellectual Property.

No content from this Website may be reproduced, distributed, transmitted, displayed, published, or broadcast without the prior written consent of Calvexora SpA, except for personal, non-commercial use for the purpose of engaging with the educational content as intended.

5. Disclaimer of Warranties

The Website and its content are provided on an "as is" and "as available" basis. Calvexora SpA makes no representations or warranties of any kind, express or implied, regarding:

• The accuracy, completeness, or currency of any content on the Website.
• The uninterrupted or error-free availability of the Website.
• The fitness of the content for any particular purpose.

Educational content reflects the state of the Chilean real estate market and applicable regulations as of the date of publication. Market conditions and regulations change. Users should verify current information through appropriate sources before making any decisions.

6. Limitation of Liability

To the fullest extent permitted by Chilean law, Calvexora SpA shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to:

• Your use of or inability to use the Website or its content.
• Any reliance placed on content published on the Website.
• Unauthorized access to or alteration of your data or communications.
• Any interruption, suspension, or termination of the Website.

This limitation of liability applies regardless of the form of action and whether Calvexora SpA has been advised of the possibility of such damages.

7. Third-Party Links

The Website may contain links to third-party websites for informational purposes. These links do not constitute an endorsement of those websites or their content. Calvexora SpA has no control over third-party websites and is not responsible for their content, privacy practices, or availability. You access third-party websites at your own risk.

8. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Chile. Any disputes arising from or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts of the city of Concepción, Chile.

9. Changes to These Terms

Calvexora SpA reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to the Website. The date at the top of this page indicates when the terms were last revised. Your continued use of the Website following the posting of changes constitutes your acceptance of those changes.

For questions about these Terms of Use, contact us at info@calvexora.com.