1. These terms and conditions of B&M4IMMOS S.A.S. govern the conditions of use and the rights and obligations of users of the website https://bm4immos.com consequently all the subdomains of it and all the services of B&M4IMMOS S.A.S..

2. If the User does not agree to be bound by the Terms and Conditions set forth below, it shall refrain from accessing the Website or any of its pages and proposal contracts.

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TERMS AND CONDITIONS OF WEBSITE USE

B&M4IMMOS S.A.S.
Last updated:  25.07.2025

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1. Identification of the Owner

This website is owned by INMOBILIARIA B&M4IMMOS S.A.S., a commercial company duly incorporated under the laws of the Republic of Colombia, with its main office in Cali, Colombia, legally represented by its legal representative Ronal Perea Uribe.

Official contact: info@bm4immos.com

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2. Purpose of the Website

The B&M4IMMOS S.A.S. website provides information about its real estate activities, private funding strategies through strategic loans, financial education programs, and related services involving the management, subleasing, and development of real estate projects.

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3. Responsible Use of the Site

Users agree to use this website responsibly, lawfully, and in accordance with these Terms and Conditions, Colombian law, and good faith.
It is strictly prohibited to:

• Use content for illegal purposes or in a way that could damage the reputation of B&M4IMMOS S.A.S.

• Modify, reproduce, distribute, or market content without the express written authorization of the company.

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4. Limitation of Liability

B&M4IMMOS S.A.S. acts as a facilitator of information on investment opportunities and educational training.

• It does not guarantee future returns beyond what is explicitly established in duly signed and backed private contracts.

• It is not responsible for individual financial decisions based on personal interpretations of the published information.

• Any financial projections or simulations are referential and educational in nature and may vary according to market conditions.

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5. Educational Disclaimer

B&M4IMMOS S.A.S. offers financial education programs, workshops, and informational content.

• All educational material is for informational and training purposes only.

• Users are strongly encouraged to conduct their own research and consult independent financial advisors before making investment decisions.

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6. Intellectual Property Rights

All texts, images, trademarks, logos, designs, and other content on the website are the exclusive property of B&M4IMMOS S.A.S., unless otherwise indicated.
Any reproduction or use without prior written authorization is strictly prohibited.

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7. Personal Data Protection

B&M4IMMOS S.A.S. complies with Law 1581 of 2012 (Colombian Data Protection Regime) and related regulations.

• All collected information will be treated confidentially and only for the purposes authorized by the user.

• Users may exercise their rights to access, update, rectify, or delete their data by sending a written request to the official contact email.

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8. Strategic Loan Program

Private funding opportunities are subject to individual contracts, with clear conditions, guarantees, and periodic reporting, in accordance with Colombian commercial legislation.

• All interested parties must sign the respective legal documents, after verifying the lawful origin of the funds.

• Any simulations, calculations, or projected returns displayed on the website are for reference only and must be validated by contract.

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9. Jurisdiction and Governing Law

This website and its content are governed by the laws of the Republic of Colombia.
Any dispute shall be submitted to the competent courts of Cali, Colombia, and the parties expressly waive any other jurisdiction.

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10. Modifications

B&M4IMMOS S.A.S. may modify these Terms and Conditions at any time. Changes will be published in a timely manner and will take effect upon publication.

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11. Acceptance

By accessing, browsing, or using this website, the user declares that they have read, understood, and accepted these Terms and Conditions in full.

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📌 Final Note

For further information, to exercise your data protection rights, or for clarifications, please contact us via info@bm4immos.com.

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🔒 Risk Disclosure and Repayment Terms Disclaimers

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1. Investment Security and Return Assurance

B&M4IMMOS S.A.S. is fully committed to the responsible use of investor funds and to repaying the principal plus the agreed-upon returns as specified in each private loan contract.
However, the investor understands and acknowledge that all investments carry inherent risks, including external market, economic, and operational risks that may affect the company’s ability to generate expected cash flows.

In an extreme scenario, if B&M4IMMOS S.A.S. were to enter bankruptcy, investors understand that they may lose up to 100% of their investment, as funds may be subject to creditors’ rights and insolvency proceedings under Colombian law.

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2. Potential Delays in Repayment

While every effort will be made to ensure timely payments, investors accept that certain unforeseen circumstances may cause delays in the payment of interest or principal. Such circumstances may include, but are not limited to:

• Market conditions that move unfavourably against our operations, reducing liquidity or profitability.

• National or global economic crises.

• Political instability or war in Colombia or other regions that affect the real estate market.

• Natural disasters such as earthquakes, floods, fires, or other events that damage the physical assets backing the investment.

• Pandemics or global health emergencies that disrupt construction, sales, rental markets, or general operations.

• Regulatory or financial system restrictions that may temporarily freeze or limit company operations.

In these scenarios, B&M4IMMOS S.A.S. remains fully committed to repaying its obligations and will communicate transparently with investors, providing updates and reasonable revised timelines as needed.

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3. Bankruptcy Risk

The investor expressly acknowledges that, in the extreme and unlikely scenario that B&M4IMMOS S.A.S. becomes insolvent or is declared bankrupt, there is a risk of losing up to 100% of the invested capital, depending on how the company’s remaining assets are liquidated and distributed under applicable Colombian law.
Investors accept this risk as an inherent part of private real estate lending.

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4. Commitment to Transparency and Communication

B&M4IMMOS S.A.S. will keep investors informed through their private online dashboards and direct updates on the status of projects, cash flow, and any actions taken to address delays or financial difficulties.
This ongoing communication reflects our commitment to transparency, responsible management, and the mutual trust that underpins our strategic loan model.

By proceeding with any private loan agreement or participating in our funding programs, investors confirm that they understand, accept, and assume these risks.

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