Terms & Conditions

Effective Date: 9 May 2025

Legal Notice

"Fracct" refers to an entity engaged in real estate investment and financing across Europe and the UK. All references to Fracct in this website and related communications denote its operations, services, and activities in the real estate sector.

1. Introduction

Welcome to www.fracct.com (“Website”). This Website is operated by Fracct.

By accessing or using our Website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with these terms, please refrain from using our Website.

2. Use of the Website

The content provided on this Website is for general informational purposes only and does not constitute professional advice or an offer to invest.

You agree to use the Website lawfully and not to engage in any activity that may harm the Website or its users.

3. Intellectual Property Rights

All content on this Website, including text, graphics, logos, and images, is the property of Fracct or its content suppliers and is protected by intellectual property laws.You may not reproduce, distribute, or create derivative works from any content on this Website without our prior written consent.

4. Cookies

We use cookies and similar tracking technologies to enhance your experience on our Website, analyze usage patterns, and improve our services.
Cookies are small data files stored on your device when you visit a website. They may include anonymous unique identifiers.

By continuing to use our Website, you consent to the use of cookies in accordance with our Cookie Policy.
You can manage or disable cookies through your browser settings; however, some features of the Website may not function properly without them.

Types of cookies we may use include:

Essential Cookies: Necessary for core functionality (e.g., security, navigation).
Performance Cookies: Help us understand how users interact with the Website.
Functionality Cookies: Remember your preferences and settings.
Targeting/Advertising Cookies: Used by third parties to deliver relevant ads.

5. Limitation of Liability

Fracct shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of or inability to use this Website.

We do not guarantee that the Website will be error-free or uninterrupted.

6. Links to Third-Party Websites

Our Website may contain links to third-party websites. These links are provided for your convenience, and we do not endorse or assume responsibility for the content of these external sites.

7. Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review our Privacy Policy for more details.

8. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of England and Wales.

Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date.

Your continued use of the Website after any changes indicates your acceptance of the new Terms and Conditions.

10. Commitment Fee Refundability

The Commitment Fee is refundable only in the event that Fracct, at its sole discretion, decides not to proceed with the Loan, despite the Borrower having fulfilled all conditions precedent and having provided all required documentation within the agreed timelines, and where no material adverse changes have occurred.

The Commitment Fee shall not be refundable in any of the following cases:

The Borrower withdraws from the transaction for any reason;
One or more conditions precedent are not satisfied within the required timeframe;
The Borrower fails to provide necessary documentation, information, or third-party approvals as required;
A material adverse change occurs in the Borrower’s financial, legal, or commercial position;
The Loan cannot proceed due to factors outside of Fracct’s responsibility or control.

Any reimbursement of the Commitment Fee is subject to Fracct’s internal credit process and final written approval.

11. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Email: info@fracct.com
Phone: +33 4 85 69 47 09

Disclaimer

The information provided on this website is for general informational purposes only and does not constitute financial, legal, or investment advice. Fracct does not provide regulated financial services and is not authorised by any financial supervisory authority, including the Cyprus Securities and Exchange Commission (CySEC) or the Financial Conduct Authority (FCA) in the United Kingdom.

Fracct may, in certain cases, act as a principal lender, co-lender, or facilitator of lending opportunities. Financing arranged or offered through Fracct may involve private loan agreements or unregulated mortgage contracts. These transactions are not subject to the protections provided under laws such as the Consumer Credit Act 1974, the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, or equivalent regulatory regimes in other jurisdictions.

Participation in such transactions involves significant financial risk. Loans are typically secured against real estate or other assets. Failure to meet repayment obligations may result in enforcement action, including repossession of assets, legal proceedings, or financial loss. All loans are legally binding and must be repaid in full in accordance with the terms of the relevant agreement.

By using this website or engaging with Fracct you confirm that you understand and accept these terms and that you are acting as or on behalf of a professional or institutional counterparty capable of assessing the risks involved.