Terms & conditions
1. Purpose
These Terms & Conditions govern the access to and use of jovunzo.com and the real estate crowdlending platform operated by Jovunzo S.A.S. Browsing the site implies full acceptance of these conditions, as well as our Privacy Policy and Cookie Policy.
2. User profile
Access to the platform is reserved for natural persons over 18 years old and legal entities duly incorporated in Argentina or in jurisdictions with a tax information exchange agreement. Qualified investor status is verified according to the current Argentine Securities Commission criteria.
3. Nature of the products
Listed projects are non-public offering financial trusts, structured under the framework of Laws 24.441 and 27.440. Jovunzo acts as structuring agent and placement agent. Effective ownership of the underlying property always remains with the trust, isolated from Jovunzo's balance sheet.
4. Investment risk
Projected returns are estimates based on the technical and commercial information available at tranche closing. They are not a guarantee of future results. The user acknowledges that real estate investments are subject to market risk, construction risk, regulatory changes and macroeconomic fluctuations typical of the Argentine context.
5. Intellectual property
All site content — including text, images, graphics, logos, source code and database structure — is owned by Jovunzo S.A.S. or its licensors. Reproduction, distribution or transformation is prohibited without prior written authorisation.
6. AML compliance
Jovunzo is a reporting entity before the Financial Information Unit (UIF) under Law 25.246. We run Know Your Customer (KYC) processes, beneficial owner identification and continuous monitoring of unusual or suspicious operations.
7. Account suspension and closure
We may suspend or close an account in the event of contractual breaches, submission of false documentation, operations incompatible with AML regulations or usage that compromises the security of the system.
8. Notices
All notices will be sent to the email address registered by the user on the platform. It is the user's responsibility to keep contact details up to date. Formal notices may be duplicated by postal mail where regulation requires it.
9. Governing law and jurisdiction
These Terms are governed by Argentine law. Any dispute will be submitted to the Ordinary Courts of the Autonomous City of Buenos Aires, with express waiver of any other forum, unless the user acts as a consumer, in which case consumer protection rules apply.
10. Validity and amendments
These Terms remain in force while the user keeps access to the site. We may amend them when regulation, operations or third-party relationships change. We will notify any relevant amendment with thirty days' notice.