Terms & Conditions

Escrowvb Inversiones S.L. Tax ID: B-84729361 Registered address: Calle Gran Vía 28, 5th Floor, 28013 Madrid, Spain Madrid Commercial Registry: Volume 39847, Folio 92, Section 8, Sheet M-714583 CNMV Registration: No. 287 Email: legal@escrowvb.com Phone: +34 910 847 263

Escrowvb operates as a participative financing platform (crowdlending) specialising in the real estate sector, authorised by the Spanish National Securities Market Commission (CNMV) in accordance with Regulation (EU) 2020/1503 of the European Parliament and of the Council, on European crowdfunding service providers for business. Our platform connects investors with real estate developers seeking financing for their projects. Escrowvb acts exclusively as an intermediary and does not assume responsibility for the execution or outcome of funded projects.

To use our investment services, you must: • Be at least 18 years old and have legal capacity to contract. • Reside in a European Economic Area member state. • Complete the identity verification process (KYC) in accordance with anti-money laundering regulations. • Complete the suitability and appropriateness test as required by ECSP regulations. • Provide truthful information and keep it updated.

All investments made through Escrowvb carry inherent risks: • Risk of total or partial loss of invested capital. • Liquidity risk: investments have a set term and may not be easily transferable. • Project risk: delays, cost overruns or non-compliance by the developer. • Market risk: fluctuations in the value of real estate assets. Escrowvb does not guarantee returns or capital repayment. Indicated returns are estimates based on projections that may not materialise. It is recommended not to invest more than 10% of net assets in this type of instrument.

Escrowvb charges the following fees: • Management fee: Between 1% and 3% on invested capital, depending on the project. • No account opening or maintenance fees. • Tax expenses arising from returns obtained are the investor's responsibility. All applicable fees are detailed in the information sheet for each project before confirming your investment.

All platform content (text, graphics, logos, images, software, design and structure) is the property of Escrowvb Inversiones S.L. or its licensors and is protected by intellectual and industrial property laws. Reproduction, distribution, public communication or transformation of such content without express written authorisation is prohibited.

Escrowvb shall not be held liable for: • Temporary service interruptions due to technical maintenance or force majeure. • Losses arising from investments made by users. • Actions of real estate developers once the project has been funded. • Errors or omissions in information provided by third parties. In no event shall Escrowvb's liability exceed the amount of fees received for the specific service giving rise to the claim.

For any dispute arising from these Terms and Conditions: • First, we encourage you to contact us at legal@escrowvb.com to seek an amicable solution. • If no agreement is reached, you may contact the CNMV Claims Service. • The parties submit to the jurisdiction of the Courts of the city of Madrid, unless applicable legislation provides otherwise.

Escrowvb reserves the right to modify these Terms and Conditions at any time. Modifications will be notified to registered users at least 30 days prior to their effective date. Continued use of the platform after that period implies acceptance of the new terms.

These Terms and Conditions are governed by Spanish law, in particular: • Regulation (EU) 2020/1503 on European crowdfunding service providers. • Law 5/2015, of 27 April, on the promotion of business financing (insofar as not repealed by the EU Regulation). • Royal Legislative Decree 1/2007, of 16 November, approving the consolidated text of the General Law for the Defence of Consumers and Users. • Law 34/2002, of 11 July, on Information Society Services and Electronic Commerce.