Terms of Use

A. Acceptance of Terms

By accessing or using the website caltrivora.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

These Terms of Use apply to all visitors and users of the Site. They should be read in conjunction with our Privacy Policy and Cookie Policy, which are incorporated by reference.

The Site is operated by Caltrivora SpA, a company incorporated under Chilean law (RUT 89.300.732-5), with registered address at Anibal Pinto 472, Concepción, Chile.

B. Nature of Content

Caltrivora is an educational content portal. All content published on this Site — including articles, analyses, explainers, guides, and reference materials — is provided for informational and educational purposes only.

Nothing on this Site constitutes or should be construed as:

• Financial advice of any kind
• Investment advice or recommendations
• Legal advice or legal opinion
• Tax advice
• A solicitation to invest in any project, fund, or vehicle
• An offer to provide any professional service

Caltrivora does not operate real estate projects, manage investment funds, or raise capital of any kind. References to financial instruments, legal structures, or market actors in our content are descriptive and educational only.

C. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, and the overall design and layout, is the property of Caltrivora SpA or its content licensors and is protected by applicable Chilean and international intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without the prior written permission of Caltrivora SpA, except as expressly permitted below.

Personal, non-commercial use of content is permitted provided that you maintain all copyright and attribution notices and do not alter the content in any way that misrepresents its original meaning.

D. Permitted Use

You may use this Site for the following purposes:

• Reading and accessing educational content for personal, academic, or professional learning purposes
• Sharing links to content on this Site for non-commercial, informational purposes
• Quoting brief excerpts from content with appropriate attribution to Caltrivora and a link to the original page
• Using the contact form to submit a genuine inquiry within the scope described on the contact page

E. Prohibited Use

You may not use this Site or its content to:

• Reproduce or republish substantial portions of content without written permission
• Misrepresent the source or authorship of content
• Use content in a manner that implies endorsement by Caltrivora of any product, service, or viewpoint
• Attempt to gain unauthorized access to any part of the Site or its underlying systems
• Submit false, misleading, or abusive information through the contact form
• Use automated tools to scrape, index, or harvest content from the Site in bulk without prior written consent

F. Disclaimers

The content on this Site is provided "as is" without warranties of any kind, express or implied. While we make reasonable efforts to ensure that information is accurate and up to date, we do not warrant that:

• All content is complete, accurate, or current at all times
• The Site will be available without interruption or error
• The Site is free from viruses or other harmful components

Real estate regulations, market conditions, and financial frameworks in Chile change over time. Content published on this Site reflects the state of knowledge at the time of writing and may not reflect subsequent developments. Always verify current regulatory requirements with qualified professionals.

G. Limitation of Liability

To the maximum extent permitted by applicable law, Caltrivora SpA and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on any content published on this Site.

This limitation applies regardless of whether such damages arise from errors or omissions in content, unavailability of the Site, or any other cause related to the use of this Site.

H. External Links

This Site may contain links to third-party websites for reference or informational purposes. These links do not constitute an endorsement of the linked sites or their content. Caltrivora has no control over the content, privacy practices, or availability of external sites and accepts no responsibility for them.

I. Modifications to Terms

Caltrivora SpA reserves the right to modify these Terms of Use at any time. Changes will be effective upon publication on this page, with the "Last Updated" date revised accordingly. Continued use of the Site after any changes constitutes your acceptance of the revised terms.

J. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Chile. Any dispute arising from these terms or your use of this Site shall be subject to the exclusive jurisdiction of the competent courts of the city of Concepción, Chile.

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.