Privacy Policy.

1. INFORMATION WE COLLECT

We may collect the following categories of information:

• Identity and contact information such as full name, email address, phone number, date of birth, address, and government-issued identification documents submitted during KYC verification.
• Account and profile information including login credentials, investor type, referral source, and account preferences.
• Financial and transaction information such as wallet balances, payment history, bank account details, investment amounts, and subscription records.
• Property and investment information including listings viewed, investments made, savings plan selections, and portfolio activity.
• Technical and usage information such as device type, IP address, browser or app version, log data, and interactions with platform features.
• Communications and support records including messages sent through support chat, emails, and customer service inquiries.

2. HOW WE USE YOUR INFORMATION

We use personal information to:

• Create, manage, and secure your NeedHomes account.
• Verify your identity and comply with KYC, AML, and regulatory requirements.
• Process investments, payments, wallet transactions, and Save-to-Own contributions.
• Provide property listings, investment products, portfolio tracking, and customer support.
• Send service notifications, account updates, security alerts, and platform announcements.
• Improve platform performance, user experience, fraud detection, and product development.
• Enforce our Terms and Conditions and protect the rights, safety, and integrity of NeedHomes and its users.

3. LEGAL BASIS FOR PROCESSING

We process personal data based on one or more of the following grounds, as applicable under the Nigeria Data Protection Act and other relevant laws:

• Your consent, where required.
• Performance of a contract with you or steps taken at your request before entering a contract.
• Compliance with legal and regulatory obligations.
• Legitimate interests such as fraud prevention, platform security, and service improvement, where those interests are not overridden by your rights.

4. SHARING AND DISCLOSURE

We do not sell your personal data. We may share information with:

• Service providers and partners who assist with payments, identity verification, cloud hosting, analytics, customer support, and communications.
• Property developers, vendors, and financial institutions where necessary to complete transactions or provide requested services.
• Regulatory authorities, law enforcement agencies, courts, or other parties when required by law or to protect legal rights.
• Professional advisers such as auditors, lawyers, and compliance consultants under appropriate confidentiality obligations.
• Affiliated companies within the NeedHomes group for operational and administrative purposes.

5. DATA RETENTION

We retain personal information only for as long as necessary to fulfil the purposes described in this Privacy Policy, including:

• Maintaining your account and providing services.
• Meeting legal, tax, accounting, and regulatory record-keeping requirements.
• Resolving disputes and enforcing agreements.
• After account closure, retaining limited records where required by law or legitimate business needs.

6. DATA SECURITY

NeedHomes implements reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no method of transmission over the internet or electronic storage is completely secure. Users are responsible for maintaining the confidentiality of their login credentials.

7. YOUR RIGHTS AND CHOICES

Subject to applicable law, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal data, subject to legal and contractual restrictions.
• Withdraw consent where processing is based on consent.
• Object to or restrict certain processing activities.
• Request data portability where applicable.
• Lodge a complaint with a relevant data protection authority.
• To request deletion of your account and associated personal data, use https://needhomespdc.com/data-deletion or contact us using the details in the Contact section below.
• To temporarily deactivate your account without deleting data, use https://needhomespdc.com/account-deactivation.

8. COOKIES AND SIMILAR TECHNOLOGIES

Our website and app may use cookies, local storage, and similar technologies to remember preferences, maintain sessions, analyze usage, and improve functionality.

You may manage cookie preferences through your browser or device settings, although disabling certain cookies may affect platform performance.

9. THIRD-PARTY LINKS AND SERVICES

The Platform may contain links to third-party websites, payment gateways, or services. NeedHomes is not responsible for the privacy practices of those third parties.

We encourage you to review the privacy policies of any third-party services you access through the Platform.

10. CHILDREN'S PRIVACY

NeedHomes services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

If we become aware that personal data has been collected from a child without appropriate authorization, we will take steps to delete it.

11. INTERNATIONAL DATA TRANSFERS

Your information may be processed or stored in Nigeria or in other countries where our service providers operate.

Where personal data is transferred across borders, NeedHomes will take reasonable steps to ensure appropriate safeguards are in place in accordance with applicable data protection laws.

12. UPDATES TO THIS POLICY

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or business practices.

Updated versions will be posted on the Platform with a revised effective date. Continued use of NeedHomes after updates constitutes acceptance of the revised Privacy Policy.

13. CONTACT INFORMATION

For privacy-related inquiries, requests, or complaints:

• NeedHomes Property Investment Limited
• Email: privacy@needhomes.com
• Website: www.needhomes.com
• Customer Support: +234 800 633 4663