Terms & Conditions
1. Acceptance
By using the website ecanovo.com you accept these Terms & Conditions. If you do not agree, please leave the site.
2. Service provider
The site is operated by Ecanovo Financiamiento Colaborativo S.A.S., with Tax ID (RUC) 1793215486001, domiciled in Quito, Ecuador, registered in the Commercial Registry of Pichincha, volume 2026-A, folio 1,184.
3. Object
Ecanovo operates a collective funding platform through mortgage-backed loans, addressed to individuals and legal entities resident in Ecuador. The platform does not provide personalized financial advice.
4. Sign-up
To use the services you must sign up and verify your identity. You undertake to provide truthful information and keep it up to date. Ecanovo may request additional documentation to comply with anti-money laundering regulation.
5. Risks
Investing through crowdlending involves risks, including default by the borrower and total or partial loss of capital. Past performance does not guarantee future results. We recommend diversifying and only lending excess liquidity.
6. Fees
Applicable fees are detailed in the key information document of each project and in the user dashboard. Ecanovo reserves the right to update them with prior notice of thirty days.
7. Intellectual property
All content, trademarks, logos and software on ecanovo.com are owned by Ecanovo or its licensors. Reproduction without written authorization is prohibited.
8. Governing law and jurisdiction
These terms are governed by the laws of the Republic of Ecuador. For any dispute the parties submit to the jurisdiction of the courts of the canton of Quito, waiving any other forum.
9. Contact
For any questions about these terms please write to legal@ecanovo.com.