Terms

What we do, and what we do not promise

The terms on which we verify, manage and account for a property. Written to be read rather than to be survived: if a clause here needs a lawyer to tell you what it took from you, it is badly drafted.

Draft · counsel review required before publication

This document was drafted by the team that built the platform, not by a lawyer. It describes what the system actually does, which is the part we can state accurately. It has not been reviewed against Nigerian law and must not be relied on as though it had been.

What counsel must answer before this page goes live

Does the arrangement described here constitute a collective investment scheme, or the marketing of securities, under the Investments and Securities Act 2025? Funds are never pooled, one owner holds title to one property, and we manage and report, but the Act’s definition is expansive and this is the question that must be answered before launch marketing runs.
Are the limitation-of-liability and verification-disclaimer clauses enforceable in Nigeria as drafted, and are they proportionate?
Is a management agreement of this kind subject to any licensing, registration or estate-agency regulation we have not accounted for?
What must these terms say about dispute resolution, governing law and venue?
Does anything here need to change because some owners are resident outside Nigeria?
Are the termination and money-out provisions fair and lawful, given the owner’s funds sit in a bank-issued account per property?

What this is

You own a property. We verify it, manage it, collect what it earns, pay what it costs, and keep a record you can check. You keep the title and you keep the property. Nothing here transfers ownership of anything to us, and nothing here is an investment product sold by us: we are paid for work, at the rates on the pricing page.

Your money

Held per property, never pooled. Each property has its own bank account. Your money is not mixed with another owner’s, and it is not mixed with ours.
Every movement is posted to a ledger that cannot be edited. A mistake is corrected by a second entry in the opposite direction, and both stay visible.
Fees are charged at the published rate, on the published base, and each appears on your ledger as its own line with its calculation attached.
You can ask for what you are owed. Payouts go to the account you nominate, and the rate and charges that applied are printed before you confirm.

What we do not promise

A verification is a professional opinion on the evidence available at the time. It is not a guarantee against a determined fraud, and we will not pretend otherwise. We check the registry, walk the boundary, and write down what we found and who found it. A document can be forged well enough to pass a careful check.

We do not guarantee a property will earn any particular amount, or earn at all.
We do not guarantee a property’s value, now or later.
We do not guarantee that a title we could not perfect will be perfected, and we publish how long perfection actually takes rather than the best case.
Where we are wrong, the correction is posted where the original was, and it stays visible.

What we refuse

The refusals on how it works are part of these terms, not marketing copy. We will refuse to proceed where a check cannot be completed, where a document does not support what it is said to support, or where proceeding would mean recording something we cannot evidence. A process that cannot say no is a process that will eventually say anything.

Leaving

You can leave. There is no exit fee and no notice period that functions as one. Your documents leave with you, your ledger and statements are exported to you, and money held for you is paid to your nominated account once outstanding costs are settled. What we must keep afterwards, and what erasure does to it, is described in the privacy notice, including the part where the financial record survives in redacted form, because it must.

Changes to these terms

When these terms change we will say what changed and when, rather than silently publishing a new version and relying on a “last updated” date. The correction model we apply to the ledger applies here too: the history stands and the change is visible.

The other document

The privacy notice says what happens to your data.

Both documents are drafts under counsel review, and both say so on their face rather than in a footnote.