Last updated: January 15, 2026
Terms & Conditions
These Terms and Conditions govern the use of the real estate crowdlending platform operated by Kelonium S.A. (CUIT: 30-71856429-3), with legal domicile at Av. Corrientes 1234, Floor 8, Office B, C1043AAZ, Buenos Aires, Argentina. By accessing and using this platform, you accept these terms in their entirety.
1. Description of service
Kelonium operates a digital real estate crowdlending platform that connects investors with real estate development projects in Argentina. The platform facilitates collective investment in construction, renovation, and property development projects, in accordance with current regulations of the National Securities Commission (CNV) for Collective Financing.
2. Registration requirements
To use the platform as an investor, you must: be over 18 years of age and have full legal capacity to contract, reside in the Argentine Republic or be an Argentine tax resident, provide truthful and updated information during the registration process, complete the identity verification process (KYC) required by the Financial Information Unit (UIF), accept these Terms and Conditions and the Privacy Policy.
3. Investments and risks
Investments made through Kelonium carry risks inherent to the real estate market and collective financing. Past returns do not guarantee future results. Invested capital is not guaranteed and may experience losses. Kelonium does not act as a guarantor of projects or estimated returns. Each investor is responsible for evaluating risks before making an investment.
4. User obligations
The user agrees to: provide accurate, complete, and up-to-date information, not use the platform for illicit or fraudulent activities, maintain the confidentiality of access credentials, immediately notify any unauthorized use of their account, comply with all applicable laws and regulations, including AFIP tax regulations.
5. Intellectual property
All platform content, including texts, graphics, logos, images, software, and design, is the property of Kelonium S.A. or its licensors and is protected by Argentine intellectual property laws (Law 11,723). Reproduction, distribution, or modification of the content without prior written authorization is prohibited.
6. Limitation of liability
Kelonium shall not be liable for: indirect, incidental, or consequential damages arising from the use of the platform, service interruptions caused by factors beyond our control, financial losses arising from the user's investment decisions, content or services provided by third parties linked to the platform. Kelonium's total liability shall be limited, in all cases, to the amount of fees actually charged to the user.
7. Fees and costs
Kelonium charges fees for the management and administration of investments. Applicable fees are disclosed transparently before the confirmation of each investment. We reserve the right to modify our fee structure, notifying users at least 30 days in advance.
8. Dispute resolution
Any dispute arising from these Terms and Conditions shall be submitted to the jurisdiction of the Commercial Courts of the Autonomous City of Buenos Aires, with the parties waiving any other forum or jurisdiction that may correspond to them.
9. Modifications
Kelonium reserves the right to modify these Terms and Conditions at any time. Modifications will take effect upon their publication on the platform. Continued use of the service after the publication of modifications constitutes acceptance of the new terms.
10. Applicable law
These Terms and Conditions are governed by the laws of the Argentine Republic, including Law 26,831 on Capital Markets, CNV General Resolution No. 717/2017 on Collective Financing, Law 25,326 on Personal Data Protection, and Law 24,240 on Consumer Protection and its amendments.
11. Contact
For inquiries about these Terms and Conditions: Kelonium S.A., Av. Corrientes 1234, Floor 8, Office B, C1043AAZ, Buenos Aires, Argentina. Email: legal@kelonium.com. Phone: +54 11 5032-8900.