Regulatory Disclosures

Mandatory information pursuant to General Standard No. 502, Section III.C, of the Financial Market Commission (CMF).

Conflicts of Interest

Pursuant to Article 8 of Law No. 21,521:

  • Fraccional operates as a technology platform, not as an economic counterparty to transactions.
  • Asset segregation: real estate assets are structured through independent Corporations (SpA), called Special Purpose Vehicles.
  • Fraccional does not participate as an investor or guarantor of listed projects.
  • Revenue sources: 2% + VAT commission on each primary investment, and an annual administration fee of 1.19% through equity dilution.
  • Fraccional's team and related parties may not participate in projects listed on the platform without prior public disclosure of such conflict.

Fraud Prevention and AML/CFT Mechanisms

  • Identity verification (KYC) through certified providers (Soyio) for all users.
  • Automated AML screening against international sanctions lists (UN, OFAC) and national lists through specialized providers (Regulatek, TheSheriff).
  • Politically Exposed Persons (PEP) assessment and automatic blocking of transactions when matches are detected.
  • Mandatory declaration of source of funds for all investors.
  • Mandatory declaration regarding terrorism financing and weapons proliferation.
  • Designated Compliance Officer, responsible for continuous monitoring and reporting to the UAF.

Risk Exposure Mechanisms

  • Mandatory risk profile assessment for each investor through a standardized questionnaire (6 questions evaluating risk tolerance, savings capacity, and investment horizon).
  • Each listed project has an assigned risk level (scale 0 to 1).
  • Automatic comparison system between the investor's risk profile and the project's risk level.
  • Explicit warning when a product does not match the investor's profile, pursuant to Article 28 of Law No. 21,521.
  • Diversification: the platform allows investments from low amounts to facilitate portfolio diversification.

Viability Analysis Processes

  • Legal and financial due diligence for each project prior to listing.
  • Verification of the issuer's corporate structure and legal representatives.
  • Property appraisal analysis through independent appraisals.
  • Valuations expressed in Unidades de Fomento (CLF) to protect against inflation.
  • Projected return scenarios: pessimistic, expected, and optimistic (IRR).
  • Continuous monitoring of the project status and its obligations.
  • For projects with financing exceeding 20,000 UF: additional economic, legal, and financial viability analysis of the project and those obtaining financing.