TERMS AND CONDITIONS OF SERVICE
IMPORTANT NOTICE
BY USING THIS PLATFORM, YOU ACKNOWLEDGE THAT CRYPTOCURRENCY TRANSACTIONS ARE IRREVERSIBLE AND THAT YOU ASSUME ALL RISKS ASSOCIATED WITH DIGITAL ASSET VOLATILITY.
-
GENERAL REMARKS
The use of the online platform accessible at https://caenhebo.com Website is governed by these Terms of Use and by the Privacy Policy and Cookie Policy. By accessing or using the Platform, you acknowledge that you have read and accepted these Terms of Use, the Privacy Policy and the Cookie Policy.
These Terms of Use may be updated at any time. By continuing to access or use the Platform, you declare that you accept the changes made since your last access to the Platform.
1. DEFINITIONS AND INTERPRETATION
1.1 Definitions
In these Terms and Conditions:
“Agreement” means these Terms and Conditions together with our Privacy Policy and any additional terms applicable to specific Services;
“API” means the application programming interface that may be made available for third-party integrations;
“Buyer” means any User registered on the Platform seeking to purchase a Property;
“Company,” “we,” “us,” “our” means Caenhebo Sociedade Imobiliária, Unipessoal LDA, a company incorporated under the laws of Portugal with company number 515774995 and registered office at Rua Carlos Alberto da Mota Pinto, Edifício Amoreiras Square, 17, piso 3A, 1070-046, Lisboa.
“Cryptocurrency” or “Digital Assets” means Bitcoin (BTC), Ethereum (ETH), , and any other digital currencies supported by the Platform as updated from time to time;
“Digital Services” means the services that include crypto-asset custody, exchange, and transfer services;
“Funds Processing Services” means the holding and processing of funds by our third-party provider, Lightspark, pending completion of a Transaction;
“KYC” means Know Your Customer verification procedures in accordance with applicable laws and regulations;
“Platform” means the Caenhebo online platform accessible at https://caenhebo.com, any associated mobile or desktop applications, and all related services;
“Property” means real estate listed for sale on the Platform, including residential, commercial, and land parcels;
“Seller” means any User registered on the Platform offering Property for sale;
“Services” means all services provided through the Platform, including marketplace services, payment processing, funds processing services, and transaction facilitation;
“Transaction” means any property purchase agreement facilitated through the Platform, including all stages from the offer to completion;
“Transaction workflow” means the six stages of the transaction: offer, negotiation, agreement, funds processing, closing and completion;
“User,” “you,” “your” means any individual or entity accessing or using the Platform;
“Wallet” means the digital wallet provided through Lightspark for holding and managing Digital Assets.
1.2 Company Details
Caenhebo Sociedade Imobiliária, Unipessoal LDA
NIPC: 515774995
Registered Office: Rua Carlos Alberto da Mota Pinto,
Edifício Amoreiras Square, 17, piso 3A,
1070-046, Lisboa
Website: https://caenhebo.com
Support: [email protected]
Legal: [email protected]
2. ACCEPTANCE OF TERMS AND ELIGIBILITY
2.1 Binding Agreement
By accessing, registering for, or using the Platform, you accept these Terms. If you do not agree, cease all use immediately.
2.2 Capacity and Authority
You represent that you are at least 18 years old, have legal capacity to contract, and your use complies with all applicable laws in your jurisdiction.
2.3 Regulatory Compliance
Real estate and cryptocurrency regulations vary by jurisdiction. Real estate and cryptocurrency regulations vary by jurisdiction. You are solely responsible for compliance in your location. The Services are not targeted to any persons with respect to whom providing or using such Services may be contrary to domestic legislation.
3. PLATFORM SERVICES AND ROLE
3.1 Service Description
We provide brokerage real estate services through the Platform which is combined with digital solutions secured by Lightspark Payments Europe AS.
Our Platform provides the following brokerage services to User:
-
Property listing and discovery services
-
Transaction workflow management through six defined stages
-
Document management and digital signature tools
-
Transaction history and analytics
The Platform enables the following additional digital services by providing access to:
-
EUR and approved cryptocurrency payment processing
-
Identity verification coordination
-
Digital wallet services via Lightspark
-
Funds processing services
-
Encrypted buyer-seller communications
The virtual asset services (VAS) and financial services, to be provided by Lightspark, correspond to:
-
provisioning a virtual asset wallet/account and providing virtual asset exchange and transfer services;
-
issuing a virtual IBAN (vIBAN) for fiat currency deposits and withdrawals.
3.2 Platform Role and Limitations
IMPORTANT DISCLAIMERS:
-
We do NOT provide legal, tax, financial, or investment advice;
-
We do NOT control cryptocurrency values or network performance;
We do NOT provide property valuation services.
3.3 Lightspark Services & Terms
Virtual asset services (VAS) and vIBAN issuing and transacting made available via the Platform are provided by Lightspark Payments Europe AS (registry code: 16298772), Pärnu mnt 110, Kesklinna linnaosa, 11313 Tallinn, Estonia, in accordance with Lightspark’s terms and conditions.
Mandatory Acceptance: Your use of wallet, virtual asset, and vIBAN features requires acceptance of Lightspark’s end-user terms available at: https://storage.googleapis.com/Lightspark-public-docs/Static%20Partner%20TCs/Lightspark-Terms-of-Service-Co-Brand-Partners-End-Users.pdf
3.4 Access and Availability
Platform access is via https://caenhebo.com and official mobile applications. We target 99.5% monthly uptime, excluding scheduled maintenance announced 24 hours in advance when reasonably possible.
4. ACCOUNT SECURITY
4.1 Account Creation
You must provide accurate information, complete identity verification, and maintain account security including multi-factor authentication.
4.2 Security Obligations
We employ MFA enforcement, TLS-protected sessions, rate-limiting, and anomalous-login detection.
You must maintain MFA enabled and keep devices updated.
Do report suspicious activity to [email protected] immediately.
5. IDENTITY VERIFICATION AND COMPLIANCE
Important Notice: Regulatory onboarding, AML/CTF procedures, and sanctions screening are governed by Lightspark’s terms and applicable law. You must complete required verification with Lightspark to access wallet, virtual asset, and vIBAN features.
5.1 Verification Tiers
-
Basic Tier: Government-issued photo ID, facial verification, email and phone verification
-
Enhanced Tier: Additional documentation required for transactions over €10,000
Caenhebo may request additional information to meet its own compliance obligations. Do not rely on these Terms for AML/CTF eligibility details—refer to Lightspark’s terms.
6. FEES AND PAYMENT TERMS
6.1 Fee Structure
The transaction fees comprise brokerage fee and digital service fee, charged respectively to the Seller and the Buyer, as follows:
-
Transaction Fees:
-
Digital Service fees: Buyer 2.5% (min €300);
-
Brokerage fees: Seller 2.5% (min €300)
-
Other Services:
-
Expedited verification: €50
-
Document certification coordination: €150 per document
-
-
Withdrawal and Transfer Fees:
-
SEPA transfer: €5
-
International wire: €50
-
Cryptocurrency withdrawal: Network fee + 0.1%
-
6.2 Fee Collection
All fees are collected in EUR and paid directly to Caenhebo
Transaction fees: Will be charged when the purchase agreement is executed and approved by the notary.
Other fees: Charge only if a customer requests the corresponding service.
7. PROPERTY LISTINGS AND TRANSACTIONS
7.1 Seller Responsibilities
Sellers warrant:
-
Authority to sell the Property
-
All information provided about the Property is true, accurate, complete, current, and not misleading
-
Disclosure of all material defects and encumbrances
-
Compliance with applicable laws
-
Timely updates to listing information
7.2 Buyer Responsibilities
Buyers must:
-
Conduct independent due diligence
-
Obtain professional legal, financial, and inspection advice
-
Secure financing independently
-
Review all Transaction Documents thoroughly
-
Understand cryptocurrency transaction irreversibility
7.3 Transaction Workflow
Six-Stage Process:
-
Offer → Buyer submits offer through Platform
-
Negotiation → Terms negotiated via Platform messaging
-
Agreement → Purchase agreement digitally processed and legally notarized
-
Funds Processing (Lightspark) → Funds held pending completion
-
Closing → Final documentation and compliance checks
-
Completion → Property ownership transfer; funds release
7.4 Funds Processing Terms
The buyer has the power to make the release of the funds to the seller by clicking a button that confirms the transaction.
8. DIGITAL ASSET SERVICES
8.1 Third-Party Provider Relationship
All digital wallet, virtual asset, and vIBAN services are provided by Lightspark Payments Europe AS (registry code: 16298772), Pärnu mnt 110, Kesklinna linnaosa, 11313 Tallinn, Estonia.
Data Processing Roles:
-
When processing personal data on Lightspark’s instructions: Caenhebo acts as data processor
-
For Caenhebo platform operations: Caenhebo acts as data controller
Required Acceptance: Lightspark end-user terms must be accepted: https://storage.googleapis.com/striga-public-docs/Static%20Partner%20TCs/Striga-Terms-of-Service-Co-Brand-Partners-End-Users.pdf
8.2 Cryptocurrency Risk Disclosure
BY USING CRYPTOCURRENCY FEATURES, YOU ACCEPT:
-
Volatility Risk: Values can fluctuate dramatically
-
Irreversibility: Blockchain transactions cannot be reversed
-
Technology Risk: Network congestion, forks, or failures
-
Regulatory Risk: Changing legal requirements
-
Custody Risk: Loss of private keys or access
8.3 Compliance
You must comply with applicable cryptocurrency laws and tax reporting requirements. Platform use for money laundering or sanctions evasion is strictly prohibited.
9. INTELLECTUAL PROPERTY
9.1 Company Property
All Platform content, software, designs, and trademarks are owned by or licensed to the Company and protected by intellectual property laws.
9.2 Limited License
You receive a limited, revocable, non-exclusive license to use the Platform as intended. No reverse engineering, scraping, or commercial misuse permitted.
10. PROHIBITED CONDUCT
Users may not engage in:
-
Fraud, money laundering, or sanctions circumvention
-
Platform security violations or hacking attempts
-
Commercial misuse or fee circumvention
-
Uploading harmful or infringing content
-
Impersonation or providing false information
-
Market manipulation or multi-account abuse
11. DISCLAIMERS AND LIMITATIONS OF LIABILITY
11.1 Service Disclaimer
THE PLATFORM AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, INCLUDING MERCHANTABILITY, FITNESS FOR PURPOSE, OR NON-INFRINGEMENT.
11.2 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR:
-
Indirect, incidental, or consequential damages
-
Lost profits or business opportunities
-
Property defects or misrepresentations
-
Failed or delayed transactions
-
Cryptocurrency losses or volatility
-
Third-party acts or omissions
-
Unauthorized access due to user negligence
Nothing in these Terms excludes liability that cannot be excluded under applicable law.
11.3 Liability Cap
Our total liability shall not exceed the lesser of: (i) fees paid by you in the preceding 12 months; or (ii) €5,000.
11.4 Time Limitation
All claims must be brought within 45 (forty five) days after the cause of action arises, unless otherwise is stated by mandatory rule of the law.
12. INDEMNIFICATION
12.1 User Indemnification
You will indemnify the Company against claims arising from your breach of these Terms, violation of laws, negligence, property misrepresentations, or cryptocurrency transactions.
13. DATA PROTECTION AND PRIVACY
13.1 Privacy Policy
Your use is subject to our Privacy Policy, which details data collection, processing, sharing, and your rights under GDPR.
13.2 Data Processing Consent
By using the Platform, you consent to necessary data processing for Services, sharing with Lightspark and essential service providers, and international transfers with appropriate safeguards.
14. TERM AND TERMINATION
14.1 Termination Rights
We may terminate accounts for breach, legal requirements, or with 30 days’ notice. Users may close accounts by withdrawing funds and completing pending transactions.
14.2 Effect of Termination
Upon termination, access ceases, pending transactions may be completed or cancelled, and data is retained as legally required.
15. GOVERNING LAW AND JURISDICTION
15.1 Governing Law
These Terms are governed by Portuguese law.
15.2 Jurisdiction
Disputes are subject to the exclusive jurisdiction of Lisbon, Portugal courts.
16. DISPUTE RESOLUTION
16.1 Informal Resolution
Before formal proceedings under 15.2 above, contact [email protected] with detailed complaints. 60-day informal resolution period required.
16.2 Exceptions
Small claims, IP injunctions, and debt collection remain in court jurisdiction.
17. GENERAL PROVISIONS
17.1 Entire Agreement
These Terms, Privacy Policy, and service-specific terms constitute the entire agreement.
17.2 Amendments
Material changes require 30 days’ notice via email or Platform notification.
17.3 Severability
Invalid provisions are severed; remaining terms continue in force.
17.4 Force Majeure
No liability for delays due to causes beyond reasonable control, including network failures, regulatory changes, or pandemics.
18. SPECIAL PROVISIONS FOR CRYPTOCURRENCY TRANSACTIONS
18.1 Network Costs
Users bear all blockchain network fees, as per the pricing schedule. Despite the pricing schedule, estimates may differ from actual costs. Network congestion may cause delays.
18.2 Smart Contract Risks
If implemented, smart contracts carry risks of vulnerabilities. Code audits do not guarantee security. Understand risks before use.
18.3 Forks and Network Changes
We may not support all blockchain forks or network upgrades. Unsupported assets may become inaccessible.
19. CONTACT INFORMATION
Caenhebo Sociedade Imobiliária, Unipessoal LDA
Registered Office:
Rua Carlos Alberto da Mota Pinto,
Edifício Amoreiras Square, 17, piso 3A,
1070-046, Lisboa
Company Registration: 515774995
VAT Number: 515774995
Contact Information:
-
Customer Support: [email protected] (Mon-Fri, 9:00-18:00 WET)
-
Legal Notices: [email protected]
-
Data Protection Officer: [email protected]
-
Security Issues: [email protected] (24/7 monitoring)
19.1 Support Response Times
-
General Support: Acknowledgment within 1 business day; resolution within 5 business days
-
Complaints: Acknowledgment within 2 business days; outcome within 15 business days
-
Fee/Transaction Claims: Acknowledgment within 1 business day; resolution within 10 business days