1. Acceptance of terms
By accessing and using the Molionex S.A.S. ("Molionex") platform, you accept these Terms and Conditions in their entirety. If you do not agree with any of the provisions established here, we ask that you refrain from using our services. Molionex reserves the right to modify these terms by publishing the updated version on this page.
2. Service description
Molionex operates a digital real estate crowdlending platform that connects investors with developers of construction and urban development projects in Argentina. Through the platform, users can participate in the collective financing of selected real estate projects, with the goal of obtaining a proportional return on their investment once the project is completed. Molionex acts as a technology intermediary and not as a financial entity, investment fund, or real estate developer.
3. Eligibility
To use the platform and participate in crowdlending projects, you must: be at least eighteen (18) years of age; have the legal capacity to enter into contracts in the Argentine Republic; hold a valid Argentine identity document (DNI) or, for foreign residents, the corresponding immigration documentation; provide truthful, complete, and up-to-date information during the registration process; and not be included on politically exposed persons (PEP) lists without due declaration.
4. Registration and user account
To access investment features, you must create an account by providing the requested data. You are responsible for maintaining the confidentiality of your access credentials and for all activities conducted from your account. You must notify us immediately of any unauthorized use. Molionex reserves the right to suspend or cancel accounts that violate these terms or that show suspicious activity.
5. Investments and project participation
Each project published on the platform includes detailed documentation covering: development description, location, minimum investment amounts, estimated timelines, projected returns, and risk factors. Participation in a project is formalized by accepting the specific conditions of each operation. Once the investment is confirmed and the contribution credited, the commitment is binding under the project's terms.
6. Investment risks
Real estate crowdlending involves inherent risks you should consider before investing: risk of partial or total loss of invested capital; delays in project execution timelines; variations in estimated versus actual returns; risks inherent to the Argentine real estate market, including currency fluctuations, inflation, and regulatory changes; and illiquidity of the investment during the project's duration. Molionex does not guarantee returns or the repayment of invested capital.
7. Fees and costs
Molionex charges fees for intermediation in crowdlending projects, which are transparently detailed in each project's documentation before you confirm your participation. Fees may include: a management fee on the invested amount, a success fee on returns obtained, and possible administrative expenses. Tax costs arising from obtained profits are the sole responsibility of the investor.
8. Intellectual property
All content on the platform, including texts, designs, logos, images, source code, databases, and the "Molionex" brand, is the property of Molionex S.A.S. or its licensors and is protected by Argentine and international intellectual property laws. Reproduction, distribution, modification, or commercial use of any content without prior written authorization is prohibited.
9. Limitation of liability
Molionex shall not be liable for: indirect, incidental, or consequential damages arising from the use of the platform; investment losses arising from market factors, force majeure, or third-party developer breaches; temporary service interruptions due to maintenance or updates; or the accuracy of information provided by project developers, although we perform reasonable verification of submitted documentation.
10. Applicable law and jurisdiction
These Terms and Conditions are governed by the laws of the Argentine Republic. For any dispute arising from the use of the platform or the interpretation of these terms, the parties submit to the jurisdiction of the National Commercial Courts of Buenos Aires, waiving any other jurisdiction that may apply.
11. Dispute resolution
Before initiating any legal action, the parties agree to attempt to resolve the dispute in good faith through direct negotiation for a period of thirty (30) days. If no solution is reached, either party may resort to mediation before a qualified mediator under Mandatory Mediation Law No. 26,589.
12. Contact
For inquiries about these Terms and Conditions, you can contact us at: Molionex S.A.S. — Av. del Libertador 4980, Floor 12, C1426BWB, CABA, Argentina — legal@molionex.com — +54 11 5032-8741.