Terms & Conditions
Acceptance of These Terms
These Terms & Conditions govern your access to and use of the Veloci Capital platform. By creating an account, or by using the platform in any way, you accept them. If you do not accept them, do not use the platform. Investors additionally sign a framework agreement once, before their first investment, and accept a risk disclosure for each investment. Where the framework agreement and these Terms differ on the investment relationship, the framework agreement prevails. Last updated: 3 August 2026.
Who Can Open an Account
You may open an account if you are at least 18 years old and have legal capacity to contract, or if you are duly empowered to act on behalf of a company. Everything you tell us — your identity, your company’s details, your bank account — must be true, complete and kept up to date. Verification (KYC for individuals, KYB for companies) must be approved before any money can move: you cannot deposit, invest, or receive funds while it is pending. We may ask for additional documents at any time, including after approval, where regulation requires it. You are responsible for your credentials and for everything done through your account. Keep your password confidential, keep multi-factor authentication enabled, and tell us immediately if you suspect unauthorised access.
Our Role: A Marketplace, Not a Bank
Veloci Capital connects businesses that need liquidity with investors who fund their invoices. We are not a bank, we do not take deposits on our own account, and we do not lend our own money. All funds move exclusively through a regulated escrow account under SMV oversight — never through our operating accounts. Wallet balances you see on the platform reflect funds held in that escrow structure. Nothing on the platform is investment, tax or legal advice, and no ranking, rating or projected return is a recommendation to invest. Decisions are yours alone; seek independent advice if you need it.
Investor Terms
• You must complete verification, sign the framework agreement once, and complete your profile before you can invest. • Each investment is subject to a minimum amount per currency, shown before you confirm. • When you invest, the amount moves from your wallet into escrow and your participation is recorded as a percentage of the invoice. • Interest accrues for the actual number of days you hold your participation, calculated on a 30-day month / 360-day year basis. Capital is repaid in proportion to your participation at settlement. • A platform success fee, plus IGV, is charged on interest only — never on your capital — and only when a transaction actually pays out. • Returns are not guaranteed. The debtor may pay late, pay in part, or not pay at all, and you may lose part or all of the capital you commit. Diversifying across invoices reduces, but does not remove, that risk.
Seller and Confirming Client Terms
When you upload an invoice you warrant that it is genuine, that it reflects goods delivered or services actually rendered, that it is free of liens and has not been assigned, discounted or financed elsewhere, and that the amounts, currency and due date are correct. You authorise us to verify the invoice with the debtor and with the competent registries. A factoring invoice cannot be listed until the debtor confirms it; an invoice you upload as a confirming client is treated as confirmed by you. The advance rate proposed for an invoice may be reduced but never increased, so a funding target can never exceed the invoice’s real value. Proceeds are paid to you net of the agreed discount, operating costs, IGV and any detracción withheld under SUNAT rules. Uploading a false, altered, duplicated or already-financed invoice is a serious breach: it is grounds for immediate suspension, cancellation of the transaction, and reporting to the competent authorities.
Fees and Taxes
Every fee that applies to a transaction is disclosed on the platform before you commit to it. Once an invoice is funded, its parameters are fixed: later changes to platform configuration apply only to future transactions, never retroactively. IGV is applied to platform fees at the statutory rate. Where SUNAT requires it, detracción is withheld from seller proceeds before disbursement. Both are calculated automatically and itemised on every settlement statement. You are responsible for your own tax position, including declaring any income you obtain through the platform.
Secondary Market
You may list all or part of a participation for sale to another verified investor. The secondary market is listing-based — there is no order book, and we do not guarantee that a listing will find a buyer or that you will exit at the price you want. Listings close 10 days before the invoice matures so that settlement figures stay accurate; any listing still pending at that point is cancelled automatically. Interest already accrued does not transfer with the sale: each party earns for the days it actually held the participation.
Late Payment, Default and Recovery
If a debtor does not pay by maturity, we open a recovery case and pursue collection, including legal action where it is warranted. Investments are non-recourse: the seller does not repurchase the invoice, and investors bear the credit risk of the debtor. Amounts actually recovered are applied in a fixed order: recovery costs first, taken from the interest margin before any capital is touched, then interest and platform fees, then capital in proportion to participation. If nothing is recovered, the platform absorbs the recovery costs it incurred and investors bear the loss of capital.
Prohibited Use
You must not use the platform to launder money, finance terrorism, evade taxes or sanctions, or commit fraud. You must not submit false or altered documents, impersonate another person, open an account on behalf of an undisclosed third party, or attempt to circumvent verification. You must not attempt to gain unauthorised access to the platform or to another user’s account, scrape or bulk-extract data, interfere with its normal operation, or use it in breach of any applicable law.
Suspension and Account Closure
We may suspend or close an account, and hold movements on it, where verification fails or expires, where an AML, PEP or sanctions alert requires review, where a regulator or judicial authority instructs us to, or where these Terms are breached. Where the law allows us to explain, we will. You may close your account once it has no open investments, no listed invoices and no pending settlements; withdrawable funds are returned to a bank account in your name. Obligations that by their nature survive closure — regulatory record retention, liability for a breach, amounts owed — continue to apply.
Liability
We provide the platform with professional diligence, but we do not guarantee that it will be uninterrupted or error-free. To the extent permitted by law, we are not liable for a debtor’s failure to pay, for the investment outcome of any transaction, for losses caused by inaccurate information you or a counterparty provided, or for the temporary unavailability of a third-party provider such as a bank, verification service or payment gateway. Nothing in these Terms limits liability for fraud, wilful misconduct, or any liability that cannot be excluded under Peruvian law, including consumer-protection rights.
Governing Law and Disputes
These Terms are governed by the laws of the Republic of Peru. Any dispute that cannot be resolved directly with us will be submitted to the competent courts of Lima (Cercado). Before that, please write to hi@velocicapital.com — most matters are resolved faster that way. Your rights as a consumer before INDECOPI remain unaffected.
Changes and Contact
We may update these Terms as the platform or the applicable rules evolve. The current version is always published on this page, and we will notify registered users by email before a material change takes effect. Continuing to use the platform after that date means you accept the updated Terms. Questions: hi@velocicapital.com.