TERMS OF SALE OR CONTRACT

Last updated: 25 October 2026

1. PURPOSE AND SCOPE

1.1. Definition of the Service

These Terms of Sale govern the purchase of the artificial intelligence services that support people buying a home offered by FORGELAB DIGITAL PRODUCTS, S.L. (referred to below as “Askpancho”, “we” or “the Platform”) through the website https://askpancho.ai.

1.2. Acceptance

Purchasing any service means full and unreserved acceptance of these Terms, which supplement the general Terms of Use of the Platform.

1.3. Capacity to Contract

The customer declares that they:

Are over 18 years of age.
Have legal capacity to enter into contracts.
Are acting on their own behalf or with sufficient authority to represent someone else.

2. SERVICES OFFERED

2.1. Service Levels

Askpancho offers services, for guidance only, that support people buying a home, structured in three levels:

Decision (free):

Analysis of property listings.
Guidance on what to check and what to ask.
Basic information about the area and comparison of several listings.

Area report (free, requested from the chat):

Research, for guidance only, into the area where the property is located.
Safety, transport, services, shops and schools.
Average price per square metre and market references.

Guided inspection (paid):

A guided questionnaire with questions tailored to the property.
Requests for specific photographs of rooms and installations.
A final report, for guidance only, on the condition of the property, with a score and comments.

The only paid service is the guided inspection; the area report is not sold. The free services have daily usage limits.

2.2. Nature of the Service

The guided inspection is based on artificial intelligence analysis of the information, documents and photographs provided by the user, and of publicly available sources, and includes:

Automated analysis of the information and images provided.
Processing with advanced AI models.
Generation of a detailed report, for guidance only.
Identification of possible points to check that are visible in the information provided.

The price is shown clearly before purchase.

3. ORDERING PROCESS

3.1. Steps to Place an Order

Identification: The user identifies themselves with their name and email address, which they verify with a code.
Choosing the service: In the chat, they choose the property they want to check and the guided inspection.
Price: They see the final price of the inspection (with the coupon discount, if they have one) before paying.
Payment: They pay on Stripe’s payment page, where they check the amount, the currency and their details before confirming. If a coupon covers the whole price, there is no payment.
Inspection: Back in the chat, Pancho asks them questions about the property and requests photographs.
Delivery: When the inspection is finished, the AI analyses the information and the report appears in the chat.

Until they confirm the payment on Stripe’s page, the user can go back, change what they have written or not continue.

3.2. Pre-contract Information

Before purchase, the following is available to the user in these Terms and on the Platform:

The description of the service (section 2).
The final price, with taxes included, shown in the chat and on the payment page.
The payment methods available, on Stripe’s payment page.
How and when the report is delivered (section 5).
The limitations of the service (section 8).
Information about the right of withdrawal and how it is lost when the service is performed immediately (section 6).

3.3. Order Confirmation

After payment, Stripe issues the receipt and the invoice and sends them to the email address given when paying, with the order code.
The inspection purchased opens in the chat, which sets out the next steps.
We keep the electronic record of each order. The user can view the inspection and its report in the chat for as long as they keep their account.

4. PRICES AND PAYMENT TERMS

4.1. Prices

The prices you see on the Platform are final prices, with taxes included. They are charged in euros (EUR). If you accept analytics cookies, the Platform detects your country and, from the United Kingdom, Switzerland or Liechtenstein, or from the United States, Canada, Mexico, Australia or New Zealand, shows and charges you the same amount in pounds sterling (GBP), Swiss francs (CHF) or US dollars (USD) respectively. No exchange rate is applied: the figure is the same and only the currency changes. The amount and currency you pay are those shown on the Stripe payment page before you confirm.
They are the prices in force at the time of purchase.
They may vary depending on the service level purchased.

4.2. Payment Processing

All payments are processed through Stripe, which handles:

Collection of the payment by credit or debit card and by the other payment methods Stripe offers in the user’s country.
Issuing the receipt and the invoice.
Fraud prevention.

Payment details (card number, expiry date, CVC) are processed directly by Stripe and are never stored on our servers. Stripe handles those details under its Privacy Policy.

4.3. Invoicing

Payment is made before the service is provided.
For each payment, Stripe issues a receipt and an invoice.
If the user wants a full invoice with their tax details, they can request one by contacting pancho@askpancho.ai.

4.4. Promotions and Discounts

Offers are valid on their specific terms.
They cannot be combined unless stated otherwise.
We reserve the right to change or cancel promotions.

5. PROVISION OF THE SERVICE

5.1. Delivery Times

The guided inspection is available in the chat as soon as the payment is confirmed, and the user completes it at their own pace. The report is generated when the inspection is finished and appears in the chat. The time it takes to generate may vary depending on:

The complexity of the property and of the service.
The quality of the images and information provided.
System load.

5.2. Requirements for the Evaluation

The customer must provide:

Clear photographs of sufficient quality.
True information about the property.
Complete answers to the inspection questions.
Access to additional information if required.

5.3. Delivery of the Service

The report is delivered digitally.
Available in the user’s chat.
If the user turns on browser notifications (“Notify me”), they get a notification when it is ready.
The user can share it with a link.

6. RIGHT OF WITHDRAWAL

6.1. Digital Services

Under Directive 2011/83/EU on consumer rights and its transposition into Spanish law (Real Decreto Legislativo 1/2007, the Royal Legislative Decree that contains Spain’s general consumer protection law), consumers have the right to withdraw from a distance contract within 14 days without giving any reason.

However, by requesting that the service be performed immediately (that is, by starting the guided inspection), the user expressly acknowledges and agrees that:

The service begins immediately after payment and confirmation of the request.
Once the report has been delivered, the service has been fully performed.
The right of withdrawal is lost once the digital service has been fully performed, under Article 103(a) of Real Decreto Legislativo 1/2007 and Article 16(a) of Directive 2011/83/EU.

6.2. Cases Where a Refund Applies

A refund may be made in the following exceptional cases:

A technical error on the platform that prevents the report from being generated.
A duplicate charge due to a system error.

No refund will be made for:

Incorrect information provided by the customer.
Unrealistic expectations of the service.
Changes of mind after receiving the result.
Discrepancies between the report and an in-person inspection.

7. OBLIGATIONS OF THE PARTIES

7.1. Askpancho’s Obligations

We undertake to:

Provide the service with professional diligence.
Keep the information confidential.
Deliver the report within the agreed time.
Provide reasonable technical support.

7.2. The Customer’s Obligations

The customer undertakes to:

Provide true and complete information.
Hold the rights to the images and documents uploaded.
Pay the agreed price.
Not use the service for fraudulent purposes.
Understand the limitations of the service.

8. NATURE AND LIMITATIONS OF THE SERVICE

8.1. For Guidance Only

IMPORTANT WARNING: The evaluations and reports provided:

Are for guidance ONLY.
Have NO legal, expert-opinion, land registry or evidential value.
Are NOT a substitute for technical inspections, valuations or professional advice.
Do NOT guarantee that every problem with the property will be detected.
Are based on the information, documents and images provided and on publicly available sources.

8.2. Technical Limitations

Our AI evaluation system has inherent limitations and CANNOT detect or guarantee:

Matters not visible in the information provided:

Hidden defects and defects that are not visible (installations behind walls and floors, internal structure, internal damp or leaks, pests, insulation, etc.).
The actual condition of the installations (electrics, plumbing, heating and air conditioning, gas) without physical testing.
Defects that require opening up, dismantling or technical testing.
Property history not shown in the documents provided.

Technical and habitability matters:

Compliance with technical, planning or habitability regulations.
Actual energy efficiency beyond the documents provided.
Structural stability and building defects.

Legal, land registry and administrative matters:

Land registry status and charges (mortgages, attachment orders (embargos), easements).
Planning and cadastral status, licences or occupation of the property.
Ownership, debts to the community of owners or the status of the propiedad horizontal (the legal regime of a building divided into separately owned units with shared common parts).
An accurate financial valuation or formal valuation (tasación).

General limitation: the evaluation is based on analysis of the information and images provided and on public sources, and cannot replace a professional physical inspection or legal and land registry checks on the property.

8.3. Appropriate Use of the Reports

The reports:

Must be regarded as an automated opinion.
Must not be the only basis for important decisions.
Require professional verification for a property transaction.
Do not imply a recommendation to buy or sell.

9. LIABILITY AND GUARANTEES

9.1. Limitation of Liability

FORGELAB DIGITAL PRODUCTS, S.L. will NOT be liable for:

Decisions made on the basis of the evaluations and reports.
Financial losses arising from use of the service.
Indirect or consequential damage.
Differences between the report and the actual state of the property.

9.2. Service Guarantee

We guarantee only:

That the report is generated as purchased.
The technical operation of the platform.
The application of our algorithms to the analysis.

We do NOT guarantee:

The accuracy of the results.
That all problems will be detected.
The financial value suggested.
Fitness for any specific purpose.

9.3. Indemnity

The customer will indemnify Askpancho against claims arising from:

Improper use of the reports.
False information provided.
Infringement of the rights of third parties.

10. DATA PROTECTION

10.1. Data Processing

Personal data and property data are processed in accordance with our Privacy Policy, including:

Data needed for the evaluation.
Images and documents relating to the property.
Contact and payment information.

Data are stored on Railway servers located in the European Union (the Netherlands) and photographs on Amazon Web Services S3, also in the European Union (Sweden).

10.2. Confidentiality

We keep the properties evaluated confidential.
We do not share individual information without consent.
We may use aggregated, anonymous data.

10.3. Optional Consents

When the guided inspection starts, Pancho asks the user in the chat for permission to learn from their photos and conversations in order to check other homes better, with two equally visible answers:

AI training: Authorising the use of their photos and conversations, without their personal details, to train and improve Askpancho’s artificial intelligence models.

This consent is optional, and not giving it does not affect the provision of the service purchased in any way. The user can give or withdraw it at any time from the chat menu (“Pancho learns from my photos and chats”) or by writing to pancho@askpancho.ai.

We do not send marketing communications or surveys. If we ever do, we will first ask for separate, express consent.

11. INTELLECTUAL PROPERTY

11.1. The Reports

The reports generated:

Belong to the customer who purchases them.
May be shared by the customer.
May not be modified while keeping our brand on them.
Carry the Askpancho brand.

11.2. Use by Askpancho

We reserve the right to:

Use anonymous data for aggregated statistics.
Train our AI models (subject to the user’s consent under section 10.3).

12. FORCE MAJEURE

We will not be liable for failures to perform due to:

Widespread technical failures.
Interruptions to third-party services.
Causes beyond our reasonable control.

13. CHANGES

13.1. Changes to the Terms

We may change these terms:

By publishing the new version on the website.
By giving notice of substantial changes.
Changes do not affect services already purchased.

13.2. Changes to the Services

We reserve the right to:

Change the features of the services.
Discontinue services with prior notice.
Introduce new services.

14. GOVERNING LAW AND JURISDICTION

14.1. Applicable Rules

These terms are governed by:

Spanish law.
EU consumer law.
E-commerce law.

14.2. Dispute Resolution

EU consumers:

The courts of the consumer’s domicile.

If you have a complaint, write to us at pancho@askpancho.ai. If you are a consumer, you can also contact the consumer services of your autonomous community or your local council in Spain (for example, the Oficina Municipal de Información al Consumidor, the municipal consumer information office) and, if you live in another European Union country, the European Consumer Centre in your country.

Other cases:

The courts of the place where FORGELAB DIGITAL PRODUCTS, S.L. has its registered office.

15. COMMUNICATIONS

15.1. Notices

Communications will be sent:

By email to the address provided.
Through the Platform’s chat.
Exceptionally, by other means.

15.2. Validity of Electronic Communications

The customer accepts that electronic communications are valid for:

Order confirmations.
Delivery of services.
Legal notices.

16. FINAL PROVISIONS

16.1. Entire Agreement

These Terms, together with the Terms of Use, the Privacy Policy, the Cookie Policy and the Legal Notice, make up the entire agreement.

16.2. Partial Invalidity

If any clause is declared void, the rest will remain valid.

16.3. Language

These Terms are published in Spanish and in English, which are the languages in which the contract can be concluded: in English if you use the Platform in English, and in Spanish in all other cases. Although the Platform and Pancho can also assist you in German, French or Italian, the terms are only available in Spanish and English. If there is any discrepancy between the two versions, the Spanish version prevails.

17. CONTACT INFORMATION

FORGELAB DIGITAL PRODUCTS, S.L.

NIF (Spanish tax identification number): B75796524

Address: Calle Larga Nº19, 44622 Arens de Lledó, Spain

Email: pancho@askpancho.ai