CAENHEBO

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.

The platform at https://caenhebo.com operates under these Terms of Use, the Privacy Policy, and the Cookie Policy. By accessing the platform, you acknowledge reading and accepting all three documents. These terms may be updated anytime, and continued use constitutes acceptance of changes.

1. Definitions and Interpretation

1.1 Definitions

1.2 Company Details

2. Acceptance of Terms and Eligibility

2.1 Binding Agreement

Accessing, registering for, or using the platform constitutes acceptance of these terms. Non-acceptance requires immediate cessation of use.

2.2 Capacity and Authority

Users represent they are at least 18 years old, have legal capacity to contract, and that their use complies with applicable laws in their jurisdiction.

2.3 Regulatory Compliance

Real estate and cryptocurrency regulations vary by jurisdiction. You are solely responsible for compliance in your location. The services are not targeted to persons where providing or using such services may violate domestic legislation.

3. Platform Services and Role

3.1 Service Description

The platform combines real estate brokerage services with digital solutions via Lightspark Payments Europe AS.

Brokerage services include: property listing and discovery; transaction workflow management (six stages); document management and digital signature tools; transaction history and analytics.

Additional digital services include: EUR and cryptocurrency payment processing; identity verification coordination; digital wallet services via Lightspark; funds processing services; encrypted buyer-seller communications.

Virtual asset services (VAS) by Lightspark: virtual asset wallet/account provisioning; virtual asset exchange and transfer services; virtual IBAN (vIBAN) issuance for fiat currency deposits/withdrawals.

3.2 Platform Role and Limitations

The platform does NOT provide legal, tax, financial, or investment advice; does not control cryptocurrency values or network performance; and does not provide property valuation services.

3.3 Lightspark Services & Terms

Virtual asset services and vIBAN features are provided by Lightspark Payments Europe AS (registry code 16298772), Pärnu mnt 110, Kesklinna linnaosa, 11313 Tallinn, Estonia. Acceptance of Lightspark's end-user terms is mandatory.

3.4 Access and Availability

Platform access via https://caenhebo.com and official mobile applications. Target uptime: 99.5% monthly, excluding scheduled maintenance announced 24 hours in advance when reasonably possible.

4. Account Security

4.1 Account Creation

Accurate information, complete identity verification, and maintenance of account security including multi-factor authentication (MFA) are required.

4.2 Security Obligations

The platform employs MFA enforcement, TLS-protected sessions, rate-limiting, and anomalous-login detection. Users must maintain MFA enabled and keep devices updated. Report suspicious activity to security@caenhebo.com immediately.

5. Identity Verification and Compliance

Regulatory onboarding, AML/CTF procedures, and sanctions screening are governed by Lightspark's terms and applicable law. Required verification with Lightspark is necessary to access wallet, virtual asset, and vIBAN features.

5.1 Verification Tiers

Caenhebo may request additional information to meet its 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

Transaction Fees:

Other Services:

Withdrawal and Transfer Fees:

6.2 Fee Collection

All fees collected in EUR and paid directly to Caenhebo. Transaction fees charged when the purchase agreement is executed and approved by a notary. Other fees charged only upon customer request.

7. Property Listings and Transactions

7.1 Seller Responsibilities

Sellers warrant: authority to sell the property; that all information provided is true, accurate, complete, current and not misleading; disclosure of all material defects and encumbrances; compliance with applicable laws; and 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; and understand cryptocurrency transaction irreversibility.

7.3 Transaction Workflow

  1. Offer: Buyer submits offer through platform.
  2. Negotiation: Terms negotiated via platform messaging.
  3. Agreement: Purchase agreement digitally processed and legally notarized.
  4. Funds Processing (Lightspark): Funds held pending completion.
  5. Closing: Final documentation and compliance checks.
  6. Completion: Property ownership transfer; funds release.

7.4 Funds Processing Terms

The buyer has the power to release 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. When processing personal data on Lightspark's instructions, Caenhebo acts as data processor; for Caenhebo platform operations, Caenhebo acts as data controller. Acceptance of Lightspark end-user terms is required.

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); and custody risk (loss of private keys or access).

8.3 Compliance

Users 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

Users receive a limited, revocable, non-exclusive license to use the platform as intended. Reverse engineering, scraping, or commercial misuse is prohibited.

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

Total Company liability shall not exceed the lesser of: (i) fees paid by the user in the preceding 12 months; or (ii) €5,000.

11.4 Time Limitation

All claims must be brought within 45 days after the cause of action arises, unless otherwise stated by a mandatory rule of law.

12. Indemnification

Users will indemnify the Company against claims arising from breach of these terms, violation of laws, negligence, property misrepresentations, or cryptocurrency transactions.

13. Data Protection and Privacy

Use is subject to the Privacy Policy detailing data collection, processing, sharing, and rights under GDPR. By using the platform, users 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

The Company 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

These terms are governed by Portuguese law. Disputes are subject to the exclusive jurisdiction of the courts of Lisbon, Portugal.

16. Dispute Resolution

16.1 Informal Resolution

Before formal proceedings, contact legal@caenhebo.com with detailed complaints. A 60-day informal resolution period is required.

16.2 Exceptions

Small claims, IP injunctions, and debt collection remain in court jurisdiction.

17. General Provisions

17.1 Entire Agreement

These terms, the 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. Estimates may differ from actual costs, and network congestion may cause delays.

18.2 Smart Contract Risks

If implemented, smart contracts carry risks of vulnerabilities. Code audits do not guarantee security. Users must understand risks before use.

18.3 Forks and Network Changes

The platform may not support all blockchain forks or network upgrades. Unsupported assets may become inaccessible.

19. Contact Information

Caenhebo Sociedade Imobiliária, Unipessoal LDA

By using the platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

© Caenhebo Sociedade Imobiliária, Unipessoal LDA