Terms & Conditions
Last updated: January 2026
1. Owner identification
This website is owned by Encumbrancenm S.L. (Tax ID: B-84729156), registered in the Madrid Commercial Registry, Volume 42,317, Page 198, Sheet M-748291. Registered office: Calle de Velázquez, 27, 2nd Floor, 28001 Madrid, Spain. Contact: info@encumbrancenm.com. Encumbrancenm S.L. operates as a real estate crowdlending information platform under the supervision of the Spanish Securities Market Commission (CNMV).
2. Purpose and scope
These terms and conditions govern access to and use of the encumbrancenm.com platform. The site is informational in nature regarding real estate crowdlending services. Browsing the site and using its services implies full and unreserved acceptance of all provisions included in this document.
3. Site access and use
Access to the site is free of charge. No registration is required to browse informational content. To submit enquiries through the contact form, you will need to provide your name, email address, and message. You agree to use the site diligently, lawfully, and in accordance with current legislation, respecting third-party rights and refraining from any activity that could damage the platform's operation.
4. Intellectual and industrial property
All site content (texts, images, logos, graphic design, source code, trademarks) is owned by Encumbrancenm S.L. or used under licence, and is protected by Spanish and international intellectual and industrial property legislation. The reproduction, distribution, transformation, or public communication of any content without express written authorisation from Encumbrancenm S.L. is prohibited.
5. Limitation of liability
The information provided on this site is purely informational and does not constitute financial, tax, or legal advice. Encumbrancenm S.L. does not guarantee continuous site availability or the absence of errors in its content. We are not liable for damages that may arise from site use, inability to access, or security errors. Investment in real estate crowdlending products carries inherent risks, including potential loss of invested capital.
6. Third-party links
This site may contain links to third-party websites for informational purposes. Encumbrancenm S.L. does not control and is not responsible for the content, privacy policies, or practices of external websites. We recommend reading the terms and conditions of any site you access from ours.
7. Applicable law and jurisdiction
These terms and conditions are governed by Spanish law. For the resolution of any dispute arising from access to or use of this site, both parties submit to the jurisdiction of the Courts of the city of Madrid, expressly waiving any other jurisdiction that may apply.
8. Modifications
Encumbrancenm S.L. reserves the right to modify these terms and conditions at any time. Modifications will take effect from their publication on the website. It is the user's responsibility to periodically review these terms. Continued use of the site after the publication of changes implies acceptance of them.