Legal Disclaimers and Notices

IMPORTANT LEGAL NOTICE

La Hogar operates solely as a digital platform connecting buyers, sellers, and renters. We are not a licensed real estate broker, agent, or legal real estate services provider.

Key Points:

• We do not guarantee property availability, accuracy, or legal status
• All transactions occur directly between users
• Users must conduct their own due diligence
• Seek professional legal and financial advice

PROPERTY LISTING ACCURACY

While we strive to ensure accuracy, we cannot guarantee:

• Property availability or validity
• Accuracy of descriptions, measurements, or conditions
• Legal ownership status
• Compliance with codes or market pricing

Your Responsibility:

• Inspect properties independently
• Verify legal ownership documents
• Consult qualified surveyors, appraisers, and lawyers

INVESTMENT RISK WARNING

Real estate investment carries risk. La Hogar does not provide:

• Financial or investment advice
• Market projections or guarantees
• Mortgage or return-on-investment forecasts

Note: Always consult a licensed financial advisor before investing.

Compliance and Regulatory Framework

Nigerian Regulatory Compliance

Real Estate:

• Nigerian Land Use Act
• State-specific real estate laws
• Statutory & customary land rights
• Certificate of Occupancy compliance

Data Protection:

• NDPR compliance
• NITDA registration
• Data Protection Impact Assessments
• Appointed Data Protection Officer

Financial Regulations:

• CBN guidelines
• Anti-Money Laundering (AML) standards
• Know Your Customer (KYC) protocols
• FX compliance for international transactions

Equal Housing Opportunity

La Hogar prohibits discrimination based on:

• Race, ethnicity, nationality
• Religion, gender, or orientation
• Disability or age
• Source of income or family status

Prohibited Acts:

• Discriminatory ads
• Biased service delivery
• Harassment or intimidation

Report to:

• La Hogar Support
• Federal Ministry of Works and Housing
• Nigerian Human Rights Commission

User Agreement Frameworks

SELLER OBLIGATIONS

Ownership:

• Legal right to sell or rent
• Up-to-date ownership documentation
• No hidden disputes or liens

Listings:

• Accurate and updated info
• Prompt responses to inquiries
• Lawful advertising

Fees & Payments:

• Success-based commissions
• Premium listing fees
• Refunds per platform policy

Legal Compliance:

Obtain permits, disclosures, inspections

USER RIGHTS & SECURITY

Access Rights:

• Accurate listings and documentation
• Independent inspections
• Property history (where available)

Transaction Security:

• Escrow (where applicable)
• Fraud prevention tools
• Dispute resolution support

Privacy:

• Controlled data sharing
• Right to data deletion or portability
• Spam protection

Intellectual Property Framework

Platform IP Rights

La Hogar owns:

• All trademarks and branding
• Platform code and interface
• Matching algorithms
• UI/UX and content

Users are granted a limited, non-transferable license to use the platform for real estate purposes.

User Content Rights

You retain ownership of your content but grant La Hogar a license to:

• Use it within the platform
• Display and distribute for listing purposes

Standards:

• Accurate and legal
• No copyright infringement
• No spam or misleading material

Dispute Resolution Framework

Internal Resolution

Process:

• Start with Customer Support
• Escalate if unresolved
• Submit documentation
• Resolution expected within defined timeframes

Mediation (if applicable):

• Independent mediators
• Shared cost structure
• Optional binding agreement

Legal Dispute Resolution

Governing Law:

Federal Republic of Nigeria

Jurisdiction:

• Lagos State High Court
• Federal High Court (where applicable)
• Customary law recognized when relevant

Arbitration:

• Lagos Court of Arbitration
• Expedited small claims process
• Available for international users

No Class Actions:

Disputes must be resolved individually unless local law requires otherwise.

Liability and Insurance Framework

Platform Liability Limitations

• No liability for user content
• Limited liability for downtime
• Not liable for third-party services
• No indirect or consequential damages
• Liability capped at paid fees (12-month period)

User Indemnity:

Users will indemnify La Hogar for:

• Breaches of terms
• Third-party rights violations
• Disputes and legal liabilities

Insurance and Risk Management

La Hogar's Coverage Includes:

• Cybersecurity insurance
• Professional and general liability
• Errors and omissions protection

User Recommendations:

• Sellers: Property insurance
• Buyers: Title insurance
• Agents: Professional indemnity

Regulatory Reporting & Compliance

Reporting Obligations

Finance:

• Transaction volumes
• AML reports
• FX reports
• Tax disclosures for fees

Data Protection:

• NDPR breach notification
• Cross-border data flow reporting
• Privacy audits and documentation

Record Keeping

• Financial records: 10 years
• Communications: 7 years
• Legal docs: Permanent

Secure, auditable storage

Audit Cooperation

• Regulatory access upon request
• Ongoing compliance monitoring
• Internal legal audits

Emergency and Crisis Management

Force Majeure

Includes:

• Natural disasters
• Public health crises
• Government policy shifts
• Cyberattacks or outages
• Civil unrest

Response Plan:

• Timely user alerts
• Backup communication channels
• Restoration priorities
• Emergency compensations (when applicable)

Security Incidents

In Case of Breach:

• Immediate isolation and investigation
• User notifications as required
• Regulatory reporting to NITDA
• Post-breach forensic review
• Legal remedies and recovery

International Operations Framework

Cross-Border Transactions

Support Includes:

• Multi-currency payments
• Forex compliance
• Legal document recognition
• AML for global deals

Expansion Strategy

For New Markets:

• Regulatory review
• Local legal partnerships
• Localized terms and interface
• Cultural adaptation