Terms of Service
Effective Date: May 18, 2026
These Terms of Service govern your use of the GAP Investments website located at
https://gapinvestments.com/. This website is operated by Grupo Gap.
By using this website, you agree to these Terms of Service. If you do not agree, please do not use this website.
1. About Grupo Gap and GAP Investments
GAP Investments is part of Grupo Gap. The website provides general information about real estate-backed private lending opportunities in Costa Rica, lender-focused consulting, deal coordination, structuring support, documentation coordination, and closing coordination.
Grupo Gap is not a bank, does not operate as a regulated deposit-taking institution, does not operate as an investment fund, and does not provide public securities offerings.
Grupo Gap is not the lender. Grupo Gap does not lend its own funds through this website, does not take custody of lender funds, does not accept public deposits, and does not pool investor or lender capital.
Any lending transaction is directly between the private lender and the borrower, subject to independent review, legal documentation, registration, and closing requirements.
2. Informational Use Only
The information on this website is provided for general informational purposes only. Nothing on this website should be considered legal advice, tax advice, investment advice, financial advice, lending advice, or a recommendation to enter into any transaction.
No information on this website creates a lender relationship, borrower relationship, advisory relationship, fiduciary relationship, attorney-client relationship, or any other professional relationship with Grupo Gap.
3. No Offer or Guarantee
Nothing on this website is an offer to sell securities, a solicitation to buy securities, a guarantee of investment performance, or a guarantee that any lending opportunity will be available, approved, funded, registered, or closed.
Any opportunity discussed with Grupo Gap is subject to review, due diligence, documentation, lender approval, borrower approval, legal structure, title review, registration requirements, and the closing process.
Past discussions, examples, estimated terms, target structures, loan-to-value ranges, or possible returns are not guarantees of future opportunities or borrower performance.
4. Lender Responsibility and Due Diligence
Private lenders are responsible for making their own lending decisions. Before entering into any transaction, lenders should conduct their own due diligence and obtain independent legal, tax, financial, and professional advice.
Grupo Gap may help organize information, coordinate communication, review structure, and assist with the process, but the lender remains responsible for deciding whether a transaction is suitable for their own goals, risk tolerance, and circumstances.
5. Borrower Performance Risk
Real estate-backed lending involves risk. A borrower may fail to make payments, a property may be harder to sell than expected, collateral value may change, legal processes may take time, and recovery may not be immediate or complete.
While loan terms may be agreed before closing and documented in the transaction structure, borrower performance is not guaranteed by Grupo Gap.
6. First-Lien Position and Security
References to first-lien position, collateral, property-backed lending, loan-to-value, or secured lending are general descriptions of intended transaction structure. They do not guarantee that any specific transaction will close, be registered, or perform as expected.
The final legal position of any lender depends on the specific transaction documents, title review, registration, applicable law, and the closing process.
7. Fees and Compensation
Grupo Gap may receive consulting fees, structuring fees, coordination fees, referral fees, success fees, administrative fees, or other compensation related to inquiries, introductions, transaction review, documentation coordination, or completed transactions.
Any applicable fees should be discussed and agreed as part of the relevant transaction or service arrangement.
8. User Submissions
If you submit information through this website, by email, by phone, by WhatsApp, or through any other communication channel, you agree that the information you provide is accurate to the best of your knowledge.
Submitting information does not mean that Grupo Gap has accepted your inquiry, approved a transaction, agreed to provide services, or agreed that any opportunity will move forward.
9. Website Content
Grupo Gap works to keep website information accurate and useful, but we do not guarantee that all content is complete, current, or free from errors. Information may change without notice.
We may update, remove, or modify website content at any time.
10. Intellectual Property
All website content, including text, images, layout, branding, graphics, and other materials, belongs to Grupo Gap or is used with permission. You may not copy, reproduce, distribute, modify, republish, or use website materials for commercial purposes without written permission from Grupo Gap.
11. Third-Party Links
This website may contain links to third-party websites. Grupo Gap is not responsible for the content, accuracy, privacy practices, or policies of third-party websites. Visiting third-party websites is at your own risk.
12. Limitation of Liability
To the fullest extent permitted by law, Grupo Gap is not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this website, reliance on website information, or participation in any inquiry or transaction discussion.
This includes, but is not limited to, loss of profit, loss of opportunity, business interruption, data loss, transaction delays, failed transactions, borrower non-performance, collateral issues, title issues, or legal registration delays.
13. No Warranty
This website and its content are provided on an “as is” and “as available” basis. Grupo Gap makes no warranties, express or implied, regarding the website, its availability, its content, or any information provided through it.
14. Privacy
Your use of this website is also subject to our Privacy Policy. The Privacy Policy explains how Grupo Gap may collect, use, share, and protect information submitted through this website or other communication channels.
15. Changes to These Terms
Grupo Gap may update these Terms of Service at any time. Updated terms will be posted on this page with a revised effective date. Continued use of this website after changes are posted means you accept the updated terms.
16. Governing Law
These Terms of Service are governed by the laws of Costa Rica. Any dispute related to this website, these terms, or the use of this website shall be subject to the applicable courts of Costa Rica.
17. Contact
If you have questions about these Terms of Service, you may contact Grupo Gap at:
Email: info@gap.cr
Website: https://gapinvestments.com/
Important: This Terms of Service page is provided for general website use and business clarity. It should be reviewed by qualified legal counsel to confirm it meets the specific legal requirements of Grupo Gap and any applicable regulations.