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TERMS

Terms of use

These terms of use (the “Terms”) govern access to and use of the Balestra Real Estate Debt platform (the “Platform”), published by Balestra (“Balestra”). By creating an account or using the Platform, the User accepts these Terms without reservation.

Article 1 — Purpose

Balestra Real Estate Debt is a digital real estate financing platform for property traders and property developers. The Platform offers the following services: submission and tracking of financing requests, document upload and analysis, artificial intelligence assistance, loan lifecycle management, and regulatory checks.

The purpose of these Terms is to define the conditions under which the User may access and use the Services offered by the Platform.

Article 2 — Definitions

  • Platform: the Balestra Real Estate Debt website and application, accessible at balestra-red.fr, together with all associated functionality.
  • User: any natural or legal person holding an account on the Platform.
  • Account: the User’s personal area, created on registration and protected by login credentials.
  • Services: all functionality made available by the Platform, including submission of financing requests, document analysis, AI assistance, loan management and regulatory checks.
  • Documents: the files (financial, legal, administrative) uploaded by the User to the Platform.
  • AI Content: the analyses, summaries, classifications and answers generated by the artificial intelligence systems built into the Platform.

Article 3 — Access and registration

Access to the Services requires the creation of an Account on the Platform. Registration is subject to the following conditions:

  • Verification of the User’s email address is mandatory.
  • Activation of multi-factor authentication (MFA) is mandatory in order to access the Services.
  • Different access levels are assigned according to the User’s profile (borrower, analyst, portfolio manager, and so on).
  • Balestra reserves the right to refuse or suspend access to the Platform, without notice or compensation, in the event of a breach of these Terms or for any other legitimate reason.

Article 4 — User account and security

The User undertakes to:

  • Provide accurate, complete and up-to-date information on registration and throughout use of the Services.
  • Keep their login credentials (email and password) confidential.
  • Not share their Account with third parties, nor allow access to their Account by unauthorised persons.
  • Immediately report to Balestra any unauthorised access to their Account or any suspicion that their credentials have been compromised.

The User is responsible for all actions carried out from their Account, whether by the User themselves or by a third party who has gained access to it.

Article 5 — Description of the services

The Platform makes the following services available to the User:

  • Submission and tracking of real estate financing requests: creation, management and monitoring of the progress of financing files.
  • Secure document upload: uploading of financial, legal and compliance (KYC) documents to secure cloud storage.
  • Automated document analysis by artificial intelligence: automatic data extraction, classification and summarisation of uploaded documents.
  • AI conversational assistant: specialised agents (credit, market, risk, structuring) to support the analysis of files.
  • Regulatory checks: identity, compliance, sanctions and politically exposed person (PEP) checks through third-party databases.
  • Loan lifecycle monitoring: management of repayment schedules, drawdowns and covenants.
  • Real estate comparables management: tools for valuing and comparing properties.

Article 6 — Artificial intelligence

  • The Platform uses artificial intelligence technologies supplied by third-party providers (OpenAI, Anthropic) for document analysis and conversational assistance.
  • Uploaded documents and conversations are transmitted to these providers for processing as part of the delivery of the Services.
  • The output produced by the AI is a decision-support tool and in no case constitutes investment advice, financial advice or a recommendation.
  • Balestra does not warrant the accuracy, completeness or reliability of the analyses produced by the artificial intelligence.
  • The User remains solely responsible for decisions taken on the basis of those analyses.

For details of the processing of data by these providers, please consult our Privacy policy.

Article 7 — Documents and content

  • The User warrants the accuracy, lawfulness and authenticity of the documents uploaded to the Platform.
  • The User grants Balestra a licence to process the uploaded documents (analysis, data extraction, storage, indexing) solely for the purpose of delivering the Services.
  • Balestra undertakes not to use the User’s documents for purposes other than delivering the Services.
  • The User is responsible for any document containing personal data of third parties. It is for the User to ensure that they hold the necessary authorisations before uploading such documents to the Platform.

Article 8 — User obligations

The User undertakes to:

  • Provide truthful and up-to-date information in all their interactions with the Platform.
  • Not use the Platform for fraudulent or unlawful purposes, or purposes contrary to public policy.
  • Not attempt to circumvent the security measures put in place by Balestra.
  • Comply with applicable laws and regulations, in particular on anti-money laundering and counter-terrorist financing (AML/CFT) and on financial regulation.

Article 9 — Regulatory checks (KYC/AML)

As part of its legal and regulatory obligations, Balestra carries out identity and compliance checks on Users and on the beneficial owners of financing projects.

  • User data is checked against specialised databases (international sanctions lists, politically exposed persons).
  • The User undertakes to cooperate fully with these checks and to provide any additional document or information required by Balestra.
  • Refusal to cooperate with the verification procedures may lead to the suspension or termination of the Account.

Article 10 — Intellectual property

All elements of the Balestra Real Estate Debt Platform (text, images, logos, graphics, icons, sounds, software, databases, algorithms and so on) are the exclusive property of Balestra or of its partners and are protected by French and international intellectual property law.

Any reproduction, representation, modification, publication or adaptation of all or part of the elements of the Platform, by whatever means or process, is prohibited without the prior written authorisation of Balestra.

Article 11 — Liability and warranties

  • The Platform is provided “as is”, with no warranty of continuous availability or freedom from error.
  • Balestra cannot be held liable for AI analyses that are erroneous, incomplete or unsuited to the case.
  • Balestra disclaims all liability for investment or financing decisions taken by the User on the basis of information provided by the Platform.
  • Balestra’s liability is limited to the amount of services actually invoiced to the User over the last twelve (12) months, where applicable.
  • Under no circumstances may Balestra be held liable for indirect damage, including loss of profit, loss of earnings, loss of data or loss of opportunity.

Article 12 — Termination

  • The User may request closure of their Account at any time by contacting Balestra by email at contact@balestra-red.fr.
  • Balestra may suspend or terminate an Account in the event of a breach of these Terms, suspected fraud, or a legal obligation.
  • On termination, the User’s data is retained in accordance with the applicable legal obligations, then deleted or anonymised as described in the Privacy policy.

Article 13 — Personal data

The processing of Users’ personal data is governed by our Privacy policy, available at the following address:

Read our Privacy policy

Article 14 — Hypertext links

The Balestra Real Estate Debt Platform may contain hypertext links to third-party sites. Balestra exercises no control over those sites and disclaims all liability as to their content, their availability or their data protection practices.

Article 15 — Amendment of the Terms

  • Balestra reserves the right to amend these Terms at any time.
  • Amendments take effect as soon as they are published on the Platform.
  • Continued use of the Platform after amendments are published constitutes acceptance of the amended Terms.
  • In the event of a substantial amendment, Users will be informed by email or by notification on the Platform.

Article 16 — Governing law and disputes

These Terms are governed by French law. In the event of a dispute relating to the interpretation, performance or termination of these Terms, and failing an amicable resolution, the competent courts of Paris shall have sole jurisdiction.

Article 17 — Contact

For any question relating to these Terms, you can contact us:

contact@balestra-red.fr

Last updated: 01/09/2026