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.