PUBLIC OFFER

1. IMPORTANT: THE SITE DOES NOT ATTRACT INVESTMENTS AND DOES NOT OFFER COLLECTIVE INVESTMENT

• 1.1. Information, advertising, and materials on the Provider's website are for informational and consulting purposes only and are intended to offer services for consulting and support in purchasing real estate objects, including bank objects/objects of banking origin in Spain.
• 1.2. Nothing on the site (including phrases about profitability/examples of transactions/cases) constitutes:
  • an offer to invest funds in the Provider's company;
  • a public offer to participate in investment schemes through platforms targeted at an indefinite circle of persons;
  • an offer of collective investment or the creation/promotion of a collective investment institution.
• 1.3. Any mention of financing formats/participation of third parties (if discussed individually) is not a public offer and may only be formalized personally and separately, based on individual contracts and subject to restrictions excluding public placement/offer. The contract explicitly stipulates that the assignment/structuring of rights cannot be carried out through a public offer or through platforms aimed at the public, and must not lead to the formation of an IIC (Collective Investment Institution) within the meaning of Spanish law (Ley 35/2003).
• 1.4. The Provider does not carry out "captación de fondos reembolsables del público" (raising refundable funds from the public) and does not form a collective investment institution: relevant provisions are established in the contractual framework as a principle of legal qualification of relations.

2. SUBJECT OF THE OFFER (SERVICES PROVIDED)

2.1. The Provider renders consulting and support services to the Client, which may include (depending on the package/application):

• initial consultation on the bank real estate market and purchasing procedures in Spain;
• selection of properties according to Client criteria;
• preliminary assessment of property attractiveness (location, liquidity, risks);
• organization of legal verification (incl. through partner lawyers/notaries) and technical verification (through partner engineers/architects);
• support in negotiations/interaction with sellers, agents, banks, asset managers;
• support of the sale and purchase transaction (coordination of documents, calendar, presence at the notary, etc.);
• assistance in taxation/expense matters at a consulting level (without replacing personal tax advice);
• if necessary, support for further property management through partners (rental, repair, administration).

2.2. The Provider renders services in its own name and under its own responsibility regarding consultations/organization of processes and interaction with third parties within the framework of Client instructions; however, the Client understands that transactions with third parties (sellers, banks, notaries, contractors) are formalized by separate contracts/documents. The approach "management by the provider, participation by the client only within agreed limits" reflects the general contractual logic of role distribution (the manager acts in their own name before third parties).

3. WHAT IS NOT INCLUDED IN SERVICES

• 3.1. The Provider is not: a bank, credit institution, or investment platform; a securities broker/collective investment management company; a person accepting funds "from the public" on a refundable basis.
• 3.2. The Provider does not guarantee: the purchase of a specific object; approval by a bank/seller; project implementation timelines; profitability size or absence of losses (the real estate market and transactions carry risks).
• 3.3. Any profitability calculations/cases on the site are examples, not a promise of result.

4. CONTRACT CONCLUSION PROCEDURE (ACCEPTANCE)

• 4.1. The Client accepts the offer in one of the following ways:
  • submits an application on the website and confirms consent with the offer (checkbox/electronic confirmation);
  • pays for the Provider's service/invoice (fully or advance), unless otherwise agreed in writing.
• 4.2. From the moment of acceptance, the contract is considered concluded.

5. COST AND PAYMENT PROCEDURE

• 5.1. The cost of services is determined by: tariffs/packages on the website, or an individual commercial proposal (estimate) of the Provider.
• 5.2. Payment is made in Euros, by prepayment/in stages, unless otherwise agreed in writing.
• 5.3. Additional expenses (notary, registration, taxes, services of lawyers/technicians, translations, power of attorney, contractors, etc.) are paid by the Client separately, unless expressly included in the package cost.

6. INTERACTION AND REPORTING

• 6.1. Communication format: e-mail, messengers, phone, personal meetings, as well as written notifications upon agreement.
• 6.2. The Provider provides the Client with information on the progress of work and the results of services rendered with reasonable frequency (per project/stages).

7. RISKS AND LIABILITY

• 7.1. The Client understands that purchasing real estate involves market, legal, financial, and operational risks.
• 7.2. The Provider's liability is limited to the cost of paid services for the corresponding period, except in cases of willful misconduct/gross violations, unless otherwise established by imperative law.
• 7.3. The Provider is not liable for actions/decisions of third parties (banks, sellers, notaries, authorities, contractors) which it cannot objectively influence.

8. CONFIDENTIALITY AND PERSONAL DATA

• 8.1. The Parties undertake to maintain the confidentiality of commercial and personal information obtained in connection with the provision of services.
• 8.2. Personal data is processed in accordance with the website's privacy policy and applicable legislation (including GDPR, if applicable).

9. INTELLECTUAL PROPERTY

9.1. All website materials (texts, structures, presentations, templates) belong to the Provider or are used legally; copying and distribution without consent are prohibited.

10. APPLICABLE LAW AND DISPUTE RESOLUTION

• 10.1. Spanish law applies to the relationship of the parties, unless otherwise agreed in writing and not contradicting imperative norms.
• 10.2. Disputes are subject to consideration in the courts of the province of Alicante (Spain), unless otherwise established by law. Jurisdiction in Alicante corresponds to the contractual approach to dispute resolution.

11. FINAL PROVISIONS

• 11.1. The Provider has the right to change the offer; the new version is effective from the moment of publication on the website.
• 11.2. If any provision is found invalid, the remaining provisions remain in force.

12. DETAILS AND CONTACTS