# Afrik Casa Terms of Use **Version:** 2026-10-06 **Effective date:** 6 October 2026 These Terms of Use govern access to and use of Afrik Casa websites, applications, dashboards, APIs, Deal Rooms, property services, professional services, Build services, referral services and other products and services made available under the Afrik Casa brand (the “Platform”). By creating an account or using the Platform, you agree to these Terms. If you do not agree, you must not create or use an Afrik Casa account. ## 1. Eligibility and account information You must be at least 18 years old and legally capable of entering binding agreements to use transactional features of Afrik Casa. You must provide accurate, current and complete information and must not impersonate another person or organisation. Afrik Casa may require identity, organisation, ownership, authority, professional, property or transaction verification before particular services are made available. Creating an account does not by itself grant seller, buyer, professional, developer, representative, administrator or transaction authority. ## 2. Progressive access and verification Afrik Casa operates a progressive identity and trust model. Account capabilities may expand as identity, organisation, ownership, authority, professional qualifications, transaction role and other relevant information are verified. A stated role, intention or self-description does not itself constitute verification or authority. Afrik Casa may restrict or remove capabilities where verification expires, is disputed, is withdrawn or no longer meets Platform requirements. ## 3. Nature of the Platform Afrik Casa provides technology, verification, transaction, communication, inspection, property, professional and related services. Verification and Platform controls reduce risk but do not eliminate it. Unless expressly stated in a separate written agreement, Afrik Casa does not guarantee legal title, absence of every undisclosed claim, accuracy of every third-party statement, future property value, completion of a proposed development, a counterparty’s future conduct or that every fraudulent act can be detected. Users should obtain independent legal, tax, technical, valuation or other professional advice where appropriate. ## 4. Property information and listings A person submitting property information represents that the information supplied is accurate to the best of that person’s knowledge and that the person has the ownership or authority claimed. Afrik Casa may require supporting documents, evidence, physical inspection, geolocation, timestamped media, professional verification or additional information. Afrik Casa may delay, reject, suspend, unpublish or investigate a property where ownership, authority, authenticity, pricing, duplication, availability, fraud or other material concerns arise. Publication on Afrik Casa is not a government title registration or an independent legal opinion. ## 5. Deal Room and transaction communications Users must use authorised Afrik Casa transaction channels where the applicable workflow requires them. Users must not circumvent Afrik Casa fees, controls, verification processes or transaction protections. Afrik Casa may preserve Deal Room and transaction records for security, compliance, evidence, audit and dispute-resolution purposes in accordance with applicable law and the Privacy Policy. ## 6. Inspections Physical inspections may require an inspection fee and remain subject to property access, availability, confirmation and applicable security or operational conditions. Payment for an inspection does not guarantee a purchase, transaction or favourable assessment. Virtual inspection products may have separate charges or conditions. ## 7. Payments, escrow and third-party financial services Transactions may involve banks, payment service providers, escrow providers or other regulated financial institutions. Their applicable terms may also apply. Afrik Casa does not represent itself as a bank, deposit-taking institution or other regulated financial institution unless separately authorised to provide the relevant regulated service. Transaction and escrow funds remain separate from Referral Partner earnings and other Platform accounting. ## 8. Fees and commercial terms Applicable fees, commissions, markups, inspection fees, professional charges and other commercial terms will be disclosed through the relevant Platform workflow or agreement. Afrik Casa may introduce, remove or modify general Platform pricing prospectively. A change to general pricing does not retrospectively alter a completed transaction unless the parties agree or applicable law requires otherwise. ## 9. Referral Partner Network Afrik Casa may operate a Partner Network and referral programme. Participation is governed by separate Referral Partner Programme Terms which must be accepted before referral functionality is activated. Referral participation does not create ownership in Afrik Casa, employment, partnership, agency, fiduciary authority, property authority or transaction authority. Afrik Casa may modify, suspend or discontinue the Referral Partner Programme in accordance with the applicable Programme Terms and applicable law. ## 10. User content and property media You retain ownership of content you lawfully own. By uploading content, you grant Afrik Casa a non-exclusive, worldwide, royalty-free licence to host, process, reproduce, adapt, display and use that content as reasonably necessary to operate, secure, market and improve the Platform and the relevant listing or transaction. You represent that you have the rights and permissions required for uploaded material. Afrik Casa may remove material that infringes rights, violates these Terms or creates legal, fraud, safety or Platform-integrity risks. ## 11. Acceptable use You must not use Afrik Casa to commit or facilitate fraud; impersonate another person; misrepresent ownership or authority; falsify evidence; conceal a material property dispute; circumvent fees or Platform controls; interfere with security; introduce malicious software; unlawfully scrape Platform data; harass users; manipulate referral attribution; create false accounts or transactions; or engage in other unlawful conduct. ## 12. Account suspension and termination Afrik Casa may restrict, suspend or terminate an account or particular privileges where reasonably necessary for security, fraud prevention, legal compliance, dispute management, non-payment, violation of these Terms, abuse or protection of other users. Where appropriate, Afrik Casa may provide notice or an opportunity to remedy an issue. Immediate action may be taken where delay could expose users, property, funds, evidence or the Platform to material harm. ## 13. Third-party services The Platform may integrate with payment, banking, communication, mapping, storage, verification, professional, analytics and infrastructure providers. Afrik Casa is not responsible for independent acts or omissions of a third party outside Afrik Casa’s reasonable control. Nothing in this clause excludes liability that applicable law does not permit to be excluded. ## 14. Intellectual property The Afrik Casa name, Platform software, interfaces, designs, databases, workflows, verification systems, Property Passport, Transaction Passport, Progressive Trust systems, documentation and other proprietary materials belong to Afrik Casa or its licensors. No intellectual property right is transferred except as expressly stated. ## 15. No guaranteed outcome Afrik Casa does not guarantee that a property will sell, a buyer will complete, a seller will accept an offer, a professional will receive work, a referral will generate revenue, financing will be obtained, a development will complete or use of the Platform will produce a particular financial return. ## 16. Limitation of liability To the fullest extent permitted by applicable law, Afrik Casa will not be liable for indirect, incidental, consequential or speculative losses arising solely from use of or inability to use the Platform, including anticipated opportunity or anticipated profit. Nothing in these Terms excludes, limits or waives liability, remedies or consumer rights that applicable law does not permit to be excluded, limited or waived. ## 17. User responsibility and indemnity To the extent permitted by law, you are responsible for losses, claims or expenses reasonably arising from your fraud, unlawful conduct, infringement of third-party rights, deliberate misrepresentation, unauthorised property activity or material breach of these Terms. This provision does not transfer liability where applicable law prohibits doing so. ## 18. Changes to the Platform or these Terms Afrik Casa may modify the Platform and these Terms to reflect business, operational, security, regulatory, legal or product changes. Material changes take effect from the stated effective date. Where renewed acceptance is required, continued access to affected services may require acceptance of the new version. Changes do not remove accrued rights where applicable law prevents such removal. ## 19. Governing law and disputes These Terms are governed by the laws of the Federal Republic of Nigeria. The parties should first attempt in good faith to resolve a dispute through written notice and negotiation. Where legally permissible, unresolved commercial disputes may proceed to mediation and, if unresolved, arbitration in Abuja, Nigeria, before a single arbitrator under the Arbitration and Mediation Act 2023. Nothing prevents urgent interim relief or exercise of a statutory right that cannot lawfully be restricted. ## 20. Severability If any provision is invalid or unenforceable, it will be applied to the maximum extent lawfully possible and the remaining provisions will continue in effect. ## 21. Entire agreement These Terms, together with applicable transaction agreements, Programme Terms, policies and documents expressly incorporated into them, form the agreement governing use of the relevant Afrik Casa services. ## 22. Contact Official Afrik Casa support, legal and privacy contact channels are published on the Platform.