These terms and conditions ("Terms" , "Agreement") are an agreement between Realvest Global Technologies Limited RC 1634584 ("Realvest" , "us" , "we" or "our"), owners of the existing product "Realvest" and Purchaser ("User" , "you" or "your"). This Agreement sets forth the general terms and conditions that shall regulate both parties to the transaction. By using any of our services, You agree to abide by these Terms, the privacy policy, and all other operating rules, policies, and procedures that may be published by us from time to time on this platform, each of which is incorporated by reference to these Terms. References in these Terms and Conditions to “You” (or such similar descriptions) are references to you as an individual or legal entity as the case may be.

Please note that the opportunities and services offered on this platform are primarily for individuals who are at least eighteen (18) years old, (as well as individuals who have attained the legal age in the locations where they reside). However, in extenuating circumstances, minors may be allowed through their legally appointed guardians and trustees to avail themselves of some of the opportunities that we list on this platform from time to time.

1.2 This T&C therefore insist that You are an Individual of at least eighteen (18) years old, or have attained the legal age in your jurisdiction and that you are able and competent to enter into a legally binding agreement with us, as it relates to your access to and use of this platform. Consequently, we expect that all registration information that you submit is accurate and truthful.

1.3 By this T&Cs, You agree that the terms of this Agreement are binding on anyone on whose behalf you seek to partake and benefit from this platform, be it a company, a minor, or any other legal entity, over which you have the authority to bind to the terms of this Agreement.

1.4 You agree to provide such registration details which will contain information about you as may be prompted by any registration form on this platform and to keep such personal details updated at all times.

1.5 If you are provided with a user identification code, password, or any other piece of information as part of our security procedures, You hereby agree to treat such information as confidential and not to disclose it to any third party. Furthermore, You hereby agree that once you are granted access to the platform, such access right is not transferable to any other person.

1.6 You hereby agree to comply with all local laws regarding online conduct and acceptable content publishable on this platform. You are responsible for all applicable taxes payable as a result of your activity on this platform.

1.7 In a bid to register with us on our online platform, You agree to provide us with your valid means of identification such as a Driver’s License, International Passport or National ID Card, or BVN Number.

2.2 Instances, where your access to our platform may be impeded, include the under listed:

2.2.1 When you violate any of the provisions of these terms or when you are found to have provided inaccurate registration data (personal details). In this case, Your access to our platform may be suspended, withdrawn, or discontinued;

2.2.2 Another case may be when we have to do routine maintenance, effect an update or an upgrade to the platform in the bid to serve you better. Before such cases, we undertake to give You due notification.

4.1 It is important to note that your subscription to any of our projects and your use of our services are at your discretion, as the services on the platform are provided to You on an “AS IS” and “AS AVAILABLE” basis. You therefore agree to evaluate, seek independent advice, and bear all risks associated with the use of this platform. Nothing on the Platform should be deemed to constitute a recommendation to purchase, sell or hold, or otherwise to constitute a piece of advice regarding, any investment, secured or otherwise.

4.2 In your interest, we may from time to time refer to existing brands or companies for marketing purposes on this site except we have explicitly stated that the brand or company is affiliated with us or that we have a contractual relationship with them, we expressly disclaim any relationship with any such brand or Company.

4.3 Note that we are not a registered broker-dealer, investment advisor or crowdfunding portal and we do not engage in any conduct that would require registration with the Securities and Exchange Commission or the Nigerian Exchange Group Plc.

5.1 We may permit you to link ours to other websites or resources on the internet, and other websites or resources may contain links to our services. Note however that when you access third-party websites, You will be leaving myhomevest.ng but at your own risk as those other websites are not under our control. You also acknowledge that we will not be liable for the content, functions, accuracy, legality, appropriateness, or any other aspect of those other websites or resources.

6.1 Except for the rights expressly granted under these Terms and Conditions: All content included on this platform, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, are all properties of REALVEST, our licensors and/or certain other third parties, where stated. We or our licensors, as the case may be, retain all the rights, titles, and interests in and to the contents displayed on this platform, including, without limitation to, all intellectual property rights therein.

6.2 You therefore agree that you have no right to use any of our trademarks without our prior written consent.

6.3 All rights not expressly granted to You in these Terms and Conditions are reserved and retained by us or our licensors.

7.1 You agree to indemnify, hold harmless, and defend Realvest, the Parent Company, subsidiaries, and licensors, and each of their respective officers, owners, directors, shareholders, contractors, agents, employees, general and limited partners, successors, and assigns from and against any and all demands, claims, damages, liabilities, judgments, fines, interest, penalties, losses, costs, expenses, and harms, including without limitation to reasonable attorney’s fees and fees of other professional advisers, arising out of or in connection with:

Your use of the services on our platform. Your online conduct in connection with the services.

Your (or anyone acting under your password or username) violation or breach of these terms;

Your Failure to comply with any applicable laws or regulations in connection with the services; or any of your dealings or transactions from use of the services.

Your (or anyone acting under your password or username) violation or breach of these terms; or Your Failure to comply with any applicable laws or regulations in connections with the services; or any of your dealings or transactions from use of the services.

7.2 You shall not settle any such claim without our prior written consent;

7.3 These obligations will survive any termination of these terms.

9.1 If any provision of these terms and conditions is determined by any court of competent jurisdiction to be invalid, illegal or unenforceable, that provision will be severed from these terms and conditions and the remaining provisions will continue in full force and effect, so long as the economic or legal substances of the transactions contemplated hereby is not affected in any manner materially adverse to either of the parties.

10.1 These terms cannot be modified, varied, amended or supplemented in any way by You. We reserve the right to modify, vary, amend or supplement these Terms and Conditions at periodic intervals. We will post the current version of these terms on this platform or send the same to you via your email address and each such change will be effective and binding upon posting on this platform or upon the date designated by us as the “effective date” (if any). Your continued use of the Services following any such change constitutes your agreement to be bound by and your acceptance of these terms and conditions as so modified.

10.2 Both parties agree that the Company shall review unilaterally the provisions contained herein at periodic intervals to include events/circumstances not catered for and the Purchaser shall be subsequently notified of same via mail or upload on his/her dashboard for a binding effect;

14.3 respond to a lawful subpoena;

14.4 to comply with any other legal obligation.

The HomeVest Apartment is packaged into investment in

• One Bedroom Apartment;
• Two Bedroom Apartment; and
• Three Bedroom Apartment.

You are at liberty to choose from one of the packages offered above

15.2 Monthly Installment Payment/debit

Once you subscribe on the Website, you will be required to choose your mode of payment either through card or online transfer. You will also have the option to choose whether you want to be automatically debited monthly or you wish to make payment manually every time payment is due. Where you opt for manual payment, it is your responsibility to ensure that you do not fall into default, to avoid incurring default charges

15.3 Monthly Installment and Default

• The Purchaser agrees to continue to make prompt monthly payments for the apartment after payment of the initial 30% deposit and the monthly equal installment to be paid by the Purchaser shall be determined by the Company;
• Both Parties agree that every monthly default by the Purchaser shall attract a default charge of 20% of the monthly installment; that is where the purchaser defaults for one month, the monthly default charge of 20% of the monthly installment shall apply to such Purchaser;
• Both Parties agree that where the Purchaser defaults for a cumulative period of three (3) months, the Purchaser’s subscription shall terminate immediately and the Purchaser shall be refunded less 30% administrative charge;
• The Purchaser agrees that upon delivery of physical possession after the twelve months, he/she shall continue monthly payment for the subscription except where the Purchaser has completed the full consideration price for the apartment before delivery of physical possession;
• Where the Purchaser subscribes for any of the payment plans earmarked above and makes payment of the initial 30% deposit but defaults for a cumulative period of three (3) months before hitting the 75% benchmark, the Purchaser’s subscription terminates immediately and the buyer can only reactivate his/her subscription at the prevailing market price as at the date of the attempt to revalidate;
• Where the Purchaser is incapable of continuing the subscription in extenuating circumstances, the following options are available to the Purchaser;

  Convert to another available product of the Company provided that he/she has met up to 30% payment of the original subscription;

  Get another buyer to continue your subscription and effect a change of ownership at a 10% fee.

  Terminate the subscription

• Parties agree that the refund policy shall strictly apply to a terminations.
• The amount payable for both Documentation and Developmental levy shall be at the prevailing price and the same is exclusive of the total amount for the apartment;
• Both parties agree that the Company reserves the right unilaterally to vary the price for the apartment to meet up with economic realities or inflation in building materials and same shall become binding on the Purchaser upon upload on the platform or notification via mail;
• Where the Purchaser has taken physical or constructive possession of the apartment, the Company shall only be liable for construction defects in features of the property that occur within three (3) months of transfer of possession/allocation and any other defects that occur outside the three(3) month period shall be the exclusive responsibility of the Purchaser;
• Both Parties agree that where the Company does not have the required number of subscribers for a Block of an apartment (Whether 1, 2, or 3 Bedroom Apartment) subscribed for by the Purchaser at a particular location, the following options are available to the Purchaser to chose from;

  Increase monthly subscription payment to cater for a standalone apartment at the exact location originally subscribed from;

  Reallocate the Purchaser to another location to erect the desired apartment originally subscribed for;

  Transfer of Funds paid by the Purchaser to another existing product of the Company (Land, etc);

• You understand clearly that the payment made does not include or cover charges for the perfection of title to land subsequently in his/her name.

Duration of Payment

Your subscription shall be for a maximum period of the agreed tenure at the commencement of your subscription.

Both Parties agree that the different payment plans available are Outright Payment, Six(6) months payment plan, twelve (12) months payment plan, twenty-four (24) months payment plan; 60 months payment plan; and 84 months payment plan only;

Both Parties agree that the initial payment to be made by the Purchaser is 30% to evince the creation of a contract between the Purchaser and the Company;