Terms of Service

By accessing Neuomes, creating an account, or using any part of the platform, you agree to these Terms and to our Privacy Notice, which is incorporated by reference. If you do not agree, do not use the platform.

If you use Neuomes on behalf of a company, partnership or other entity, you confirm you are authorised to bind that entity, and "you" means that entity.

Nothing in these Terms excludes or limits any right you have under the Federal Competition and Consumer Protection Act 2018 or any other Nigerian law that cannot lawfully be excluded. Where a provision here conflicts with such a right, that right prevails and the rest of these Terms continue to apply.

• Platform means the Neuomes website, applications and related services.
• We, us, our means NeuraGrid Technologies Ltd, a company incorporated in Nigeria.
• Host means a user who lists a property.
• Guest means a user who books or seeks to book a property.
• Listing means a property advertisement published on the Platform.
• Verification means the on-site capture process described in Section 7.
• Booking means a confirmed reservation between a Guest and a Host.
• Escrow means funds held by a licensed payment provider pending release under Section 9.
• Preview means the current pre-launch state described in Section 4.

You must be at least 18 and legally capable of entering a contract. You must not be barred from using the Platform under any applicable sanctions or law, and you must not have been previously removed from the Platform.

Hosts must have the legal right to let or sell the property they list. Where Nigerian law or the law of the relevant State requires a licence, registration or professional qualification to carry on estate agency or valuation, including registration with the Estate Surveyors and Valuers Registration Board of Nigeria where applicable, you are responsible for holding it.

Neuomes is a preview. You may search, view the map, and open listings. Bookings, payments, escrow, identity verification and camera-based property verification are not open.

Listings shown during the Preview are sample data. They are illustrative, do not represent real available inventory, and are not offers to let or sell. You must not rely on them for any financial, housing, relocation or investment decision.

Creating an account during the Preview registers your interest so we can notify you when services open in your area. It does not reserve a property, create any booking, or entitle you to any priority beyond notification.

We may add, change, suspend or withdraw features during the Preview without notice, and may reset non-essential Preview data.

You must provide accurate registration details and keep them current. You are responsible for all activity under your account, for keeping your credentials confidential, and for notifying us promptly at legal@neuomes.com if you suspect unauthorised access.

One person may hold one account unless we agree otherwise in writing. You may not transfer or sell your account. We may require re-verification of your identity at any time, and may restrict functionality until it is completed.

Access rights and account status are determined by our records. A credential or token held by your browser does not by itself establish entitlement to any feature.

If you publish a Listing, you represent and warrant that:

• you own the property or are authorised by the owner to list it;
• the description, location, price, availability, fees and photographs are accurate and current;
• the property complies with applicable building, zoning, safety, health and tenancy requirements, including any State tenancy legislation such as the Lagos State Tenancy Law where it applies;
• you hold any consents, permits or association approvals required to let or sell;
• you will honour a confirmed Booking on the terms published; and
• you will not discriminate against any person on any ground prohibited by the Constitution of the Federal Republic of Nigeria or other applicable law.

You are solely responsible for your tax obligations, including any Value Added Tax, withholding tax, capital gains tax or State-level charges arising from your activity. Where the law requires us to withhold, report or remit amounts, we will do so.

We may decline, edit, suspend or remove a Listing that we reasonably believe is inaccurate, unlawful, duplicated, misleading, or in breach of these Terms. Removal is not an assessment of your legal rights in the property.

When Verification launches, listings are intended to be created through live on-site capture within the Neuomes application, with location and image metadata recorded at the time of capture, and automated checks applied to detect duplication and misrepresentation.

Verification confirms only that imagery consistent with the Listing was captured at or near the stated coordinates at a point in time. It is expressly not:

• a warranty of the condition, habitability, safety or quality of the property;
• confirmation of title, ownership, encumbrance or right to let or sell;
• a valuation, survey, structural assessment or professional inspection;
• confirmation that the property remains available or unchanged after capture; or
• a substitute for your own inspection, searches and independent professional advice.

You remain responsible for conducting your own due diligence before entering any transaction, including verifying title and obtaining legal advice.

When Bookings launch, a Booking is a contract between the Guest and the Host. Neuomes provides the platform, the payment rails and the dispute process, and is not a party to that contract, nor an agent, landlord, letting agent, broker or insurer of either party.

The cancellation terms shown at the time of booking form part of the Guest–Host contract. Where a Host cancels a confirmed Booking without lawful justification, we may refund the Guest in full from Escrow, recover associated costs, and apply consequences to the Host account.

Check-in confirmation is the point at which a Guest records that the property substantially matches the Listing. Where it does not, the Guest may raise a dispute within the window disclosed at booking, and funds remain in Escrow pending the outcome.

When payments launch, amounts are collected and held in Escrow by payment providers licensed by the Central Bank of Nigeria, and released to the Host after confirmed check-in or resolution of a dispute. Neuomes is not a bank, is not a licensed deposit-taking institution, and does not hold customer funds on its own account.

Service fees, and any Value Added Tax chargeable on them, will be disclosed before you confirm a transaction. Payment provider terms apply in addition to these Terms.

We are required to comply with the Money Laundering (Prevention and Prohibition) Act 2022 and related regulations. We may request identity and source-of-funds information, and may delay, refuse, freeze or report a transaction where we are obliged to do so or reasonably suspect unlawful activity.

During the Preview no payment feature is available. Neuomes will never ask you to transfer money to a personal account. Treat any such request as fraudulent and report it to legal@neuomes.com.

The Platform withholds precise addresses and direct contact details until a transaction reaches the stage at which they are needed. This protects Guests from fraud and protects the commission that funds verification and escrow.

You must not:

• solicit or accept payment outside the Platform for a transaction originating on it;
• share or request direct contact details in order to move a transaction off-platform;
• misuse the messaging relay to circumvent these controls; or
• induce another user to do any of the above.

Circumvention may result in cancellation of the transaction, forfeiture of Host payouts to the extent permitted by law, recovery of fees that would have been payable, and suspension or termination of your account.

Reviews may only be submitted by users with a completed stay, and are published under the conditions disclosed in the review flow. Reviews must be honest, based on first-hand experience, and free of unlawful, defamatory, discriminatory or personally identifying content. Reviews may not be exchanged for payment, discounts or other consideration.

We may remove a review that breaches these Terms. We do not remove reviews merely because they are unfavourable.

You must not:

• use the Platform for any unlawful purpose, or to facilitate fraud;
• post false, misleading, duplicated or fraudulent Listings;
• impersonate any person, or misrepresent your affiliation;
• access another user's account, or attempt to;
• probe, scan, disrupt or overload the Platform or its infrastructure;
• circumvent authentication, rate limits or access controls;
• scrape, crawl or bulk-extract content, or use automated means to access the Platform except as expressly permitted;
• reverse engineer, decompile or attempt to derive source code, except to the extent that restriction is unenforceable;
• upload malware, or anything designed to interfere with operation;
• infringe any intellectual property or privacy right; or
• harass, threaten or discriminate against any person.

Conduct of this kind may also constitute an offence under the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 as amended, and we may report it to law enforcement and cooperate with any investigation.

The Platform, including the Neuomes name and logo, the interface, the software, the verification methodology and the underlying models and databases, is owned by NeuraGrid Technologies LTD or its licensors and is protected by the Copyright Act 2022, the Trade Marks Act and other applicable law.

You receive a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended purpose. No other right is granted, and you may not use our marks without prior written consent.

You keep ownership of the content you submit, including Listing text, photographs, video, messages and reviews. You grant us a worldwide, non-exclusive, royalty-free, sub-licensable licence to host, store, reproduce, adapt for format and display that content for the purpose of operating, securing, promoting and improving the Platform.

That licence continues for material we are required to retain, or that is embedded in another user's transaction record or review, after your content is removed or your account closes.

You confirm you hold the rights necessary to grant this licence, and that your content does not infringe the rights of any third party. If you believe content on the Platform infringes your rights, contact legal@neuomes.com with sufficient detail to identify the material and your claim.

The Platform relies on third parties including Amazon Web Services for hosting, authentication, storage and email, Google Maps Platform for mapping and place search, Google for optional sign-in, and CBN-licensed providers for payments. Your use of those features is also subject to the relevant third party's terms, and we are not responsible for their acts or omissions.

Links to third-party sites are provided for convenience and do not imply endorsement.

We process personal data in accordance with the Nigeria Data Protection Act 2023 and our Privacy Notice. Where you process another user's personal data obtained through the Platform, you must comply with that Act in your own right, use the data only for the transaction it was provided for, and not retain it longer than necessary.

Data protection enquiries and requests should go to privacy@neuomes.com. You may also complain to the Nigeria Data Protection Commission.

The Platform is provided on an as-is and as-available basis. To the fullest extent permitted by law, and without affecting rights that cannot lawfully be excluded, we do not warrant that the Platform will be uninterrupted, secure or error free, that defects will be corrected, or that content, including Preview sample content, is accurate, complete or current.

We do not own, manage, inspect, value or control listed properties. We are not a party to any tenancy, sale or licence agreement between users, and we do not act as an agent for either side.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary or punitive loss, or for loss of profit, revenue, data, goodwill or anticipated savings, however arising.

Our aggregate liability arising out of or relating to these Terms or the Platform is limited to the greater of the total fees you paid to us in the twelve months before the claim arose, or ₦50,000.

Nothing in this Section limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be limited, including under the Federal Competition and Consumer Protection Act 2018.

You agree to indemnify and hold harmless NeuraGrid Technologies Ltd, its directors, employees and agents against claims, losses, liabilities and reasonable legal costs arising from your breach of these Terms, your content, your Listings, your transactions with other users, or your breach of any applicable law. We will notify you of any such claim and you may participate in its defence at your own cost.

You may close your account at any time. We may suspend or terminate your access, immediately where necessary, if you breach these Terms, if we are required to by law, if we reasonably suspect fraud or a risk to other users, or if we discontinue the Platform.

On termination, funds already held in Escrow are dealt with under Section 9, obligations accrued before termination survive, and Sections 13, 14, 17, 18, 19, 21 and 22 continue to apply.

Step one, direct resolution. Contact us at legal@neuomes.com with a description of the dispute and the outcome you seek. We will attempt in good faith to resolve it within 30 days.

Step two, mediation. If it remains unresolved, either party may refer it to mediation under the Arbitration and Mediation Act 2023, seated in Lagos, before commencing arbitration.

Step three, arbitration. Any dispute not resolved above shall be referred to arbitration by a sole arbitrator under the Arbitration and Mediation Act 2023. The seat is Lagos, Nigeria, the language is English, and the award is final and binding. If the parties cannot agree on an arbitrator within 21 days, either party may apply to the appropriate authority under that Act for appointment.

Nothing here prevents either party from seeking urgent interim relief from a Nigerian court, or from pursuing a claim in a Small Claims Court where it has jurisdiction, or from bringing a complaint to the Federal Competition and Consumer Protection Commission.

These Terms are governed by the laws of the Federal Republic of Nigeria. Subject to Section 21, the courts of Nigeria have jurisdiction, and you submit to the jurisdiction of the Federal High Court or the High Court of Lagos State as appropriate.

Force majeure. Neither party is liable for failure to perform caused by an event beyond its reasonable control, including power or network failure, strike, civil unrest, epidemic, flood or act of government.

Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition or transfer of assets, on notice to you.

Severability. If a provision is held unenforceable, it is severed to the minimum extent necessary and the remainder continues in force.

No waiver. A failure to enforce a provision is not a waiver of it.

No partnership. Nothing here creates a partnership, joint venture, agency or employment relationship between us.

Entire agreement. These Terms and the Privacy Notice are the entire agreement between us about the Platform, and supersede prior discussions.

Notices. We may give notice by email to your registered address or by posting on the Platform. Notices to us go to legal@neuomes.com.

We may amend these Terms as the Platform develops. The date at the top shows the current version. Where a change materially affects your rights we will give at least 14 days' notice by email to account holders before it takes effect, except where an immediate change is required by law or to address a security risk. Continuing to use the Platform after a change takes effect means you accept the amended Terms.

Neuomes is a product of NeuraGrid Technologies Ltd, a private company limited by shares, incorporated in the Federal Republic of Nigeria on 4 February 2026 under the Companies and Allied Matters Act 2020.

• Company registration number: RC 9245522
• Registered office: to be confirmed
• Legal and disputes: legal@neuomes.com
• Data protection: privacy@neuomes.com
• Parent company: neuragridtech.com