Terms & Conditions

Last updated: January 2026

These Terms and Conditions govern access to and use of the platform creditratingxc.com, operated by CreditRatingXC, S.L. (Tax ID B-87654321), with registered office at Calle Serrano 45, 3rd Floor, 28001 Madrid, Spain. By accessing or using our services, you agree to be bound by these terms.

1. Purpose

CreditRatingXC is a real estate crowdlending platform that allows users to participate in the collective financing of property projects located in Spain. The platform acts as an intermediary between property developers and potential investors, facilitating access to investment opportunities in the real estate sector.

2. Requirements for use

To use our investment services, you must be at least 18 years old, have tax residency in Spain or in a European Union member state, have a valid identity document (DNI, NIE or passport) and provide truthful and up-to-date information during the registration process. The platform reserves the right to request additional documentation in accordance with anti-money laundering regulations.

3. Platform operation

Projects published on the platform have been previously evaluated by our team of analysts. However, CreditRatingXC does not guarantee the profitability of any investment or the return of invested capital. Each project includes an informative document with associated risks, financial conditions and estimated return timeline.

4. Investment risks

All investment carries risks, including partial or total loss of invested capital. Past returns do not guarantee future results. Investment in property projects through crowdlending is subject to market risks, liquidity risks and project-specific risks. We recommend diversifying investments and not investing more than you can afford to lose.

5. Fees and costs

The platform charges fees for investment intermediation, which will be detailed transparently before the formalisation of any transaction. There are no hidden costs. Applicable fees are described in each project's information sheet.

6. Intellectual property

All content on the platform (texts, images, graphics, logos, software) is the property of CreditRatingXC, S.L. or its licensors and is protected by Spanish and international intellectual and industrial property legislation. Reproduction, distribution or transformation of this content without express authorisation is prohibited.

7. Limitation of liability

CreditRatingXC shall not be liable for damages arising from investment decisions made by users, temporary service interruptions due to technical causes or force majeure, or the accuracy of information provided by third parties (property developers). The platform does not offer personalised financial advice.

8. Modifications

We reserve the right to modify these Terms and Conditions at any time. Modifications will take effect from their publication on the platform. Continued use of the services after the publication of changes will constitute acceptance thereof.

9. Applicable law and jurisdiction

These Terms and Conditions are governed by current Spanish legislation. For any dispute arising from the interpretation or performance of these terms, the parties submit to the courts and tribunals of the city of Madrid, expressly waiving any other jurisdiction that may correspond to them.