Terms & Conditions
Last updated: January 15, 2026
These Terms and Conditions (hereinafter "Terms") regulate access to and use of the website www.noriqel.com and the services offered by Noriqel Servicios Financieros S.A.P.I. de C.V. (hereinafter "Noriqel" or "the Platform"), with address at Av. Paseo de la Reforma 505, Floor 32, Col. Cuauhtémoc, C.P. 06500, Mexico City, Mexico.
1. Service description
Noriqel is a real estate crowdlending platform that allows individuals and legal entities to participate in collective financing of projects related to the real estate sector in Mexico. The Platform acts as a technological intermediary connecting real estate developers seeking financing with investors who wish to participate in sector projects.
2. Eligibility
To use Noriqel's services, the user must: (a) be at least 18 years old; (b) have legal capacity to enter into binding contracts under Mexican law; (c) provide truthful and up-to-date information during the registration process; (d) have a bank account at a regulated financial institution in Mexico; (e) comply with the identity verification and Know Your Customer (KYC) processes established by the Platform.
3. Investment risks
The user acknowledges and accepts that: (a) every investment made through the Platform carries inherent risks, including the possibility of partial or total loss of invested capital; (b) past returns do not guarantee future returns; (c) the timelines indicated in each project are estimates that may vary; (d) investment liquidity is limited and committed funds may not be available until the project is completed; (e) Noriqel does not guarantee any return; (f) real estate projects are subject to market, regulatory, construction, and credit risks.
4. User obligations
The user agrees to: (a) maintain the confidentiality of their access credentials; (b) immediately notify Noriqel of any unauthorized use of their account; (c) not use the Platform for illegal activities; (d) provide truthful and up-to-date information; (e) read and understand the information of each project before making an investment; (f) declare the lawful origin of funds used for investment.
5. Intellectual property
All content on the website, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, and software, is the property of Noriqel or its content providers and is protected by Mexican and international intellectual property laws. The reproduction, distribution, modification, or unauthorized use of any site content is prohibited.
6. Limitation of liability
Noriqel shall not be liable for: (a) losses arising from the user's investment decisions; (b) temporary service interruptions due to maintenance or force majeure; (c) indirect, incidental, or consequential damages arising from the use of the Platform; (d) the accuracy of information provided by project developers, although Noriqel performs due diligence processes. Noriqel's maximum liability shall be limited to the amount of fees actually charged to the user.
7. Applicable law and jurisdiction
These Terms are governed by the laws of the United Mexican States. For the resolution of any dispute arising from these Terms, the parties submit to the jurisdiction of the competent courts of Mexico City, waiving any other jurisdiction that may correspond to them by reason of their present or future domicile.
8. Modifications
Noriqel reserves the right to modify these Terms at any time. Modifications will take effect upon publication on the website. Continued use of the Platform after publication of modifications constitutes acceptance of the new Terms.
9. Contact
For any inquiries related to these Terms, you may contact us at: legal@noriqel.com | +52 55 4170 2800 | Av. Paseo de la Reforma 505, Floor 32, Col. Cuauhtémoc, C.P. 06500, Mexico City, Mexico.