Terms of Service
Effective Date: May 18, 2026
These Terms of Service govern your use of the GAP Equity Loans website located at
https://gapequityloans.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 Equity Loans
GAP Equity Loans is part of Grupo Gap. This website provides general information about private real estate-backed lending options in Costa Rica for borrowers who may be seeking financing secured by property.
Grupo Gap provides consulting, coordination, deal structuring support, documentation coordination, lender communication coordination, borrower communication coordination, and closing coordination.
Grupo Gap is not a bank, is not the lender, does not lend its own funds through this website, does not approve loans as a financial institution, and does not guarantee that any borrower will receive financing.
Any loan transaction is directly between the private lender and the borrower, subject to lender review, borrower approval, collateral review, legal documentation, registration, and the closing process.
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, financial advice, investment advice, lending advice, or a guarantee of financing.
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 Loan Approval or Guarantee
Submitting an inquiry, completing a form, sending property information, or speaking with Grupo Gap does not mean that your loan has been approved or that a lender will provide financing.
All possible loans are subject to review, including but not limited to property location, estimated property value, ownership structure, title review, existing liens or mortgages, loan amount requested, loan-to-value, use of funds, exit strategy, documentation, lender requirements, legal structure, and the closing process.
Grupo Gap does not guarantee approval, funding amount, interest rate, repayment term, closing date, or final transaction structure.
4. Private Lenders and Loan Structure
Loans discussed through GAP Equity Loans may involve private lenders. The private lender, not Grupo Gap, provides loan funds directly to the borrower when a transaction closes.
Grupo Gap does not hold lender funds, does not receive borrower loan proceeds on behalf of lenders, does not pool capital, and does not operate as a deposit-taking institution.
Loan terms, if any, must be agreed before closing and documented in the legal transaction structure.
5. First-Lien Position and Collateral
Many private lending opportunities are structured with the private lender in a first-lien position. If there is an existing mortgage, lien, annotation, or other title issue, it may need to be reviewed, resolved, paid out, or otherwise addressed as part of the transaction.
References to real estate-backed lending, collateral, loan-to-value, first-lien position, or secured lending are general descriptions of possible transaction structure and do not guarantee that any specific loan will be approved, registered, or closed.
6. Borrower Responsibility
Borrowers are responsible for providing accurate and complete information. This may include property details, ownership information, title information, maps, photos, corporate documents, loan purpose, requested amount, estimated value, and other information needed for review.
Borrowers should obtain independent legal, tax, financial, and professional advice before entering into any loan transaction.
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, review, coordination, documentation, or completed transactions.
Any applicable fees should be discussed and agreed as part of the relevant service or transaction arrangement.
8. Website Content
Grupo Gap works to keep website information useful and accurate, 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.
9. 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 loan, secured a lender, or agreed that any transaction will move forward.
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 opportunity, business interruption, data loss, transaction delays, failed transactions, denial of financing, title issues, legal registration delays, or lender decisions.
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://gapequityloans.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.