Terms & Conditions.

Unauthorised reproduction, distribution, public display or creation of derivative works is prohibited.

"The Negotiator Group", "The Negotiator International", "The Apartment Pro", "TNG Concierge", "The Negotiator Capital" and associated logos are trademarks of the Group. You may not use them without prior written consent.

By submitting content (reviews, testimonials, photos, documents), you grant us a worldwide, royalty-free, perpetual, sub-licensable licence to use, reproduce and display such content in connection with the Services, subject to our Privacy Policy.

You may not use any robot, spider, scraper, crawler or other automated means to access the Services, or to harvest data, except as expressly permitted by us in writing.

All sales are subject to a written sale agreement, payment in cleared funds and completion of due-diligence checks. Title transfers upon full payment and execution of transfer documents.

Inspections, where offered, are limited to the documented framework agreed in writing and do not warrant against latent defects undetectable by standard visual, electronic-diagnostic and mechanical assessment.

Unless expressly stated, used vehicles are sold "as inspected", and we make no representation as to merchantability, fitness for a particular purpose or future performance beyond statutory protections.

Listings reflect availability at the time of publication and may change without notice. We are not liable for unavailability resulting from prior sale, market conditions or supply-chain disruption.

You are responsible for registration, road-worthiness certification, insurance, taxes and statutory transfer fees, unless expressly assumed by us in writing.

You must provide valid identification, proof of address, source-of-funds documentation and any further documents required to comply with KYC, AML and statutory transfer obligations.

Rental vehicles must be used lawfully, returned in the condition received and operated only by approved drivers. You are liable for traffic offences, damage, loss and excess mileage charges arising during the rental period.

Chauffeur services are provided subject to availability, safe-driving requirements, applicable traffic and licensing laws and reasonable rest-period rules for drivers.

Fleet management services are provided pursuant to a written service-level agreement. Performance metrics, scope and fees shall be governed by that agreement.

Charter of private aircraft is provided through licensed third-party operators. All flights are subject to operator availability, weather, air-traffic control approvals, and regulatory requirements of the Nigerian Civil Aviation Authority and equivalent foreign authorities.

Boat charters are subject to weather, water conditions and the safety rules of the operating waterway authority. Life-jackets must be worn at all times.

Yacht charters are subject to itinerary changes for safety, port access and operator discretion. Damage deposits may be required.

Luxury mobility services are provided on a best-efforts basis. The Group is not liable for delays caused by traffic, force majeure, regulatory action or third-party operator decisions.

Listings are derived from information supplied by landlords, developers and partners. We endeavour to verify but do not warrant the accuracy, currency or completeness of any listing.

All sales require independent legal due diligence, valuation, title verification and execution of statutory transfer documents. Closing is subject to payment of all consents, fees and taxes.

Management services are governed by a written management mandate setting out scope, authority limits, reporting and fees.

Guests must comply with house rules, occupancy limits, neighbour-courtesy requirements and check-in / check-out times. Security deposits and damage liability apply.

Design services are delivered against approved scopes and budgets. Variations require written change orders. Suppliers may impose their own warranty terms.

Floor plans, measurements, photographs and yield projections are indicative only. Buyers and tenants must independently verify before committing.

You are responsible for inspecting any property prior to signing and for engaging your own surveyors, valuers and legal advisers where appropriate.

Relocation services are scoped in a written engagement letter. Government, immigration and customs decisions remain outside our control.

Goods are accepted for haulage subject to inventory verification. Liability for loss or damage in transit is limited to the values declared and insured on the manifest.

You are responsible for disclosing high-value, fragile or hazardous items in advance. Failure to disclose may void liability for related loss or damage.

Cleaning scope, frequency and chemicals used are agreed in advance. We are not liable for damage to surfaces incompatible with disclosed cleaning methods.

Staff placements are subject to background checks and probationary periods. Replacement guarantees are governed by the engagement letter.

Where we place candidates with you, the employment, supervision and statutory obligations to that staff member rest with you unless expressly engaged otherwise.

Personnel deployed by us remain our independent contractors or employees and not your employees, unless an outsourcing or secondment agreement expressly provides otherwise.

All financing is subject to credit assessment, KYC/AML clearance, satisfactory collateral and execution of binding facility documentation. Indicative offers are not commitments to lend.

Vehicle financing requires the minimum equity contribution stated in the offer, comprehensive insurance, GPS tracking where applicable and registration of our security interest until full repayment.

Fleet financing is structured against contracted cashflows, fleet utilisation and operator performance covenants set out in the facility agreement.

Asset financing is secured against the financed asset and any additional collateral required. The asset must be insured and maintained throughout the facility tenor.

Consumer financing is governed by the FCCPA and applicable consumer protection rules. Borrowers are entitled to clear pre-contract disclosures of total cost of credit.

Business financing requires verification of corporate documents, beneficial ownership, financial statements and trading history. Personal guarantees of principals may be required.

Leased equipment remains the property of the lessor or its funding partner throughout the lease term. The lessee is responsible for maintenance, insurance and statutory compliance.

Title transfers only upon completion of all scheduled payments, residual settlement and discharge of any associated obligations.

The hirer obtains use, but not ownership, of the asset until the option to purchase is exercised on payment of the final instalment.

We facilitate applications with licensed mortgage providers. Final approval, pricing and disbursement decisions remain with the relevant mortgage institution.

Mortgages are secured against the relevant real estate and subject to title perfection, governor's consent (where applicable), valuation and applicable statutory and regulatory requirements.

Disbursements may be staged against verified progress. Contractor performance remains the responsibility of the homeowner unless engaged through the Group.

Subject to project monitoring, milestone certifications and quantity-surveyor sign-off prior to each tranche disbursement.

Monthly payments comprise rent and an equity component. Failure to maintain payments may forfeit accrued equity in line with the relevant agreement.

We act as broker between you and licensed insurers. Policy terms, exclusions and claim decisions are made by the underwriter.

Investment information is general in nature and does not constitute personalised investment advice unless we have entered into a written advisory engagement. Past performance is not indicative of future results.

Wealth management products are offered through licensed third-party partners. Suitability, custody and performance remain governed by those partners' agreements and regulators.

All credit decisions are at our sole discretion and that of our funding partners. We may decline any application without obligation to disclose reasons beyond what is required by law.

Eligibility may require minimum income, employment tenure, credit history, equity contribution, collateral and guarantor support as defined for each product.

On default, we may declare the facility immediately due, accelerate repayments, repossess financed or leased assets, enforce security, report to credit bureaus, set off against any account, and pursue all remedies available under law.

Pricing is quoted in Nigerian Naira unless otherwise stated, and may be revised for new bookings or applications. Quotes are valid for the period stated on the quote.

Prices exclude applicable taxes, including Value Added Tax, withholding tax, stamp duties and statutory levies, which shall be added or grossed up where required by law.

Payments are due in the manner and on the dates specified in the relevant invoice, quote or facility agreement. Late payment may attract interest, penalty fees and suspension of service.

Refunds are governed by the specific service agreement. Fees for services already substantially performed are non-refundable except where required by law.

Cancellation windows, notice periods and fees are set out in the relevant booking, application or service agreement.

Frivolous, fraudulent or bad-faith chargebacks may result in suspension, recovery action, reporting to relevant authorities and credit bureaus.

We deploy fraud-detection systems and reserve the right to block, reverse, escrow or report any transaction reasonably suspected to be fraudulent.

You agree to complete identity verification as we may reasonably require, including biometric and document checks.

You agree to provide all information required for AML and KYC compliance, including source of funds and beneficial ownership.

You confirm that you are not a sanctioned person and that no transaction will breach applicable sanctions regimes.

Where third-party products or services are provided through us, they remain subject to the third party's own terms and we are not liable for their acts or omissions beyond our role as facilitator.

Losses arising from fraud or identity theft perpetrated by you or third parties using your credentials, identification or account.

Consequences of your default under any facility, including reporting to credit bureaus, repossession and enforcement.

Disputes over title, ownership, encumbrances or registration involving counterparties, vendors, landlords or registries.

Disputes arising between landlords, tenants, hosts, guests, vehicle owners and renters.

Losses caused by false or misleading information supplied by users, applicants, guarantors or referees.

Acts or omissions of independent contractors, placed personnel and third-party partners beyond our reasonable supervision.

Investment under-performance, losses or claim denials by underwriters and capital partners.

Downtime, degradation or compromise of services caused by infrastructure providers, cyberattacks or other security events.

Beyond our statutory obligations under the NDPA, liability for data breaches is limited as set out in the Limitation of Liability section.

Disputes between you and payment service providers, card schemes and banks regarding processing, fees or chargebacks.

Changes in law, regulation, tariff, taxation, customs duty or government policy that affect pricing, availability or terms.