Nobimobil
Terms & Conditions
Last updated: 15 January 2026
These Terms & Conditions govern access to and use of nobimobil.com (the "Platform") operated by Nobimobil S.A.S., an Ecuadorian company with tax ID (RUC) 1793214785001. By using the Platform you accept these terms.
1. Purpose
The Platform connects investors with Ecuadorian real estate developers, facilitating the electronic execution of civil loan agreements secured by mortgages. Nobimobil is not a party to the loan agreement: it acts as a technology intermediary and, where applicable, as agent for the administration of the collateral.
2. Eligibility to invest
You must be over 18, have legal capacity to enter into contracts in Ecuador, hold a valid ID card or passport and a bank account at an Ecuadorian bank supervised by the Superintendency of Banks. We reserve the right to reject registrations that do not pass KYC/UAFE checks.
3. Investor risks
Mortgage-secured loan agreements are not bank deposits nor securities registered with Ecuador's Securities Market. They involve the risk of delay, default, illiquidity and partial or total loss of capital. Nobimobil does not guarantee returns nor the full recovery of the lent capital.
4. Fees
Use of the Platform is free of charge for investors. Nobimobil charges the developer an origination fee equivalent to 2%–4% of the amount financed, plus an administration fee on the outstanding balance. These terms are detailed in each project prospectus.
5. Intellectual property
The name "Nobimobil", the logo, the site design and all content are owned by Nobimobil S.A.S. or its licensors. Total or partial reproduction is prohibited without written authorisation.
6. Limitation of liability
Nobimobil is not liable for indirect damages arising from use of the Platform, temporary availability failures or investment decisions made by the user. Our liability is limited to the amount of fees charged to the user in the 12 months prior to the triggering event.
7. Governing law and jurisdiction
These terms are governed by the laws of the Republic of Ecuador. Any dispute shall be submitted to the competent courts of the city of Quito, Metropolitan District, with express waiver of any other jurisdiction.
8. Contact
Legal enquiries: legal@nobimobil.com · Av. Amazonas N39-123 y José Arízaga, Amazonas Plaza Building, 7th floor, office 704, Quito – Pichincha, Ecuador.