The parties hereto expressly acknowledge and agree that every booking, reservation, or accommodation confirmed through the Platform constitutes a contractual Licence to Occupy and is explicitly NOT a tenancy, lease, or any other form of landlord-and-tenant relationship. The relationship created between the Host and the Guest is strictly that of a Licensor and Licensee. No right, title, or interest in the property, whether legal or equitable, is hereby transferred to the Guest by the Host.

Upon expiration of the scheduled check-out date and time, or immediately upon the Platform's issuance of a digital eviction notice consequent upon a material breach of these terms, the Host and/or the Platform's designated personnel may exercise a right of re-entry to the licensed premises only where this can be effected peaceably and without the use or threat of force. Where a Guest refuses to vacate or re-entry cannot be effected peaceably, the Host and/or the Platform shall have the right to seek the assistance of the Nigeria Police Force or other appropriate lawful authority.

Except where arising from the established negligence or wilful default of the Platform or the Host, the Platform shall not be held liable for personal injury, death, property loss, or related harm occurring during a Guest's occupancy or use of the Host's property. Nothing in this Agreement excludes or limits liability that cannot lawfully be excluded under the laws of the Federal Republic of Nigeria.

Any dispute, controversy, or claim arising out of or relating to these Terms or the use of the platform shall first be submitted to arbitration in accordance with the provisions of the Arbitration and Mediation Act, 2023 of the Federal Republic of Nigeria. The arbitration shall be conducted by a sole arbitrator in Lagos or Abuja, Nigeria, and in English language. No party shall resort to litigation until the arbitration process has been concluded. The award shall be final and binding on the parties.

The parties agree that any dispute, claim, or action shall be brought solely in an individual capacity and not as a member in any purported class action, representative action, or collective proceeding, and the parties waive expressly any right to participate in or bring a class action against the other. Nothing in this section restricts a User's right to file a complaint with, or participate in an investigation or enforcement action initiated by, the Federal Competition and Consumer Protection Commission (FCCPC) or any other statutory regulator.

No User shall post a property listing or complete a booking on the Platform without successfully completing the mandatory automated Know-Your-Customer (KYC) on-boarding process. The protocol shall require:

• The input of a valid and verifiable National Identification Number (NIN); and
• The successful completion of a live, real-time biometric three-dimensional (3D) selfie and a live check processed through the integrated QoreID verification framework.

Each User warrants that all identity tokens, documents, and biometric data provided during the KYC process are correct and belong solely and exclusively to that User. Any attempt to utilize a third party's identity records, compromised NIN, or synthetic media (deepfakes) shall constitute a material breach of this Agreement and shall result in:

• An immediate and permanent platform-wide account ban;
• The freezing of all associated financial assets held within the Platform; and
• Direct reporting of the offending User to the National Identity Management Commission (NIMC) and relevant law enforcement authorities.

The Platform operates as both a Data Controller and Data Processor in full compliance with the provisions of the Nigeria Data Protection Act (NDPA) 2023. In furtherance of its privacy-by-design principles, all verified user identities, NIN details, and biometric data-sets are encrypted using advanced cryptographic algorithms and are isolated within a secured identity vault. Front-end user profiles utilize system-generated tokenized pseudonyms at all times during routine Platform operations.

By opting to use the Platform, executing the electronic acceptance of this Agreement, and completing any property transaction thereon, the User grants explicit, irrevocable, and contractually binding consent for the Platform to activate the “Break-Glass” protocol to decrypt, reveal, and disclose their true identity records to authorized law enforcement agencies, strictly upon the occurrence of any of the following conditions:

• Court Order: Receipt of a valid court order, judicial warrant, or other lawful compulsory legal process issued by a court of competent jurisdiction in Nigeria, confirming that a property or booking on the Platform is connected to an ongoing investigation of cybercrime, internet fraud, money laundering, narcotics trafficking, or violent criminal offenses. A mere written request or letter of invitation, without accompanying lawful judicial authorization, shall not be sufficient.
• Wilful Malicious Damage: The Platform's internal Dispute Resolution and Damage Assessment Team has determined that the Guest has, on the balance of probabilities, committed severe malicious damage or destruction to the property where the assessed cost for repair exceeds N250,000.00 or the total value of the held caution deposit, whichever is greater.
• Refusal to Vacate Premises: Where a Guest remains physically present within a property four (4) hours beyond the designated check-out time without the express written or digital authorisation of the Host, thereby converting their status from that of a lawful Licensee to that of an illegal trespasser.

Upon verification of a legitimate trigger event, the Platform's Chief Compliance Officer shall execute the digital “Break-Glass” command. The unredacted data payload — comprising the User's full legal name, NIN data file, biometric image, registered phone number, alternative contact records, and complete financial transaction history — shall be compiled into an unalterable, cryptographically signed PDF and transmitted securely and exclusively to the requesting authorised agency.

The Guest shall utilise the licensed premises exclusively for lawful residential purposes. The following activities are strictly prohibited:

• Commercial filming, photography shoots, or media production of any nature;
• The hosting of large-scale parties, events, or gatherings that exceed the maximum property capacity stated on the Platform listing;
• Political rallies, canvassing activities, or partisan gatherings of any description; and
• Any commercial, industrial, or non-residential activity not expressly authorised in writing by the Host.

The Guest warrants and guarantees that no illegal activities, cybercrimes, or acts prohibited under the laws of the Federal Republic of Nigeria shall be conducted within or from the licensed property during the occupancy period.

The Guest agrees to pay a refundable security fee (the Caution Deposit) prior to check-in, to be held in an interest-free escrow account managed exclusively by the Platform. The parties expressly agree that any deductions made from this Deposit shall be legally characterised as Liquidated Damages, representing a genuine and mutually agreed pre-estimate of loss, and shall not be construed as a penalty clause.

The Guest hereby irrevocably authorizes the Platform to assess claims submitted by the Host and to make direct monetary deductions from the Caution Deposit in respect of:

• Physical damage to walls, fixtures, furniture, electronic equipment, or appliances;
• Theft of, or damage to, property belonging to the Host;
• Abnormal utility charges or overages arising from the Guest's wilful waste; and
• Unauthorized late check-outs, billed at the hourly rate specified on the Platform listing at the time of booking.

The Platform's internal Dispute Resolution and Damage Assessment Team shall conduct an initial review of all escrow release claims based on photographic evidence and certified repair invoices submitted by the Host, and shall give the Guest a reasonable opportunity to respond before any release determination is made. Where the Guest disputes the Platform's determination, the Guest shall refer the matter to arbitration under Article 2.4 of these Terms and shall not seek injunctive relief or any other recourse outside the dispute resolution mechanisms established under this Agreement.

Every Host warrants that all property listings uploaded to the Platform comply fully with the provisions of the Federal Competition and Consumer Protection Act (FCCPA) 2018. All listings must include real, accurate, and current photographs; true geographic locations; a full and accurate description of functional amenities; and explicit, transparent pricing structures inclusive of all applicable charges.

The practice of utilising premium, digitally manipulated, or misappropriated photographs of luxury or superior properties to induce bookings, and subsequently redirecting the Guest to an alternative, unadvertised, or materially inferior unit upon physical arrival (“Bait-and-Switch”), is hereby classified as a material fraudulent misrepresentation and a breach of this Charter. Such conduct shall expose the Host to civil, administrative, and criminal remedies available under the relevant Nigerian law.

In the event that a Host engages in a Bait-and-Switch scheme or otherwise misrepresents their title, interest, or legal authority to list or let a property, the Host agrees to fully indemnify and hold harmless NaijaStay Technologies Limited, its board of directors, officers, employees, and legal representatives from and against any civil lawsuits, class action claims, or damages sought by affected consumers or third parties, and any administrative fines, compliance notices, sanctions, or penalties levied by the FCCPC or any regional housing or regulatory authority.

• Clawback of Funds: The Platform shall be entitled to freeze and immediately claw back any rental payouts held in the booking wallet of an offending Host pending investigation and resolution.
• Permanent Blacklisting: Any Host or Agent who accumulates more than one (1) verified instance of listing fraud, structural negligence, or failure to deliver a clean, habitable, and safe property shall have their identity token permanently flagged and blacklisted across the entire NaijaStay ecosystem.

Access to the marketplace and the creation of listings shall remain free of charge. The Platform shall apply a transaction-based commission, calculated as a percentage of the gross booking value, to each completed booking. The applicable commission rate and any volume-based discount tier shall be published and made visible to the host within the Platform's dashboard or administrative interface at all times.

• The Platform may adjust commission rates and discount thresholds at any time and in its sole discretion. Any such adjustment shall be published on the Platform's administrative dashboard and shall take effect for all bookings made on or after the effective date and time stated in the notice, provided that no adjustment shall take effect earlier than twenty-four (24) hours after publication.
• Nothing in this section restricts the Platform's ability to apply dynamic, demand-based, or seasonal adjustments to the total price displayed to a guest at the point of booking, provided that the final price, inclusive of all charges, is disclosed to the guest prior to payment.
• Where a booking requires the host's confirmation, the commission rate applicable to that booking shall be displayed to the host at the time the booking request is received and shall remain the disclosed rate at the point of the host's confirmation.
• A rate adjustment shall not apply to any booking already confirmed prior to the adjustment's effective date and time.

The Platform may, in its sole discretion, grant commission discounts to hosts based on the total volume of active, verified properties in good regulatory standing maintained on the platform. Portfolio discounts are a discretionary marketplace incentive and do not constitute a vested or contractual right independent of continued qualification under this section. Ghost listings and manipulation for the purpose of artificially meeting a portfolio discount threshold shall constitute a material breach, and the Platform reserves the right to revoke all historical portfolio discounts applied to the offending host.

All sums credited to a Host's or Agent's designated bank account shall represent the gross booking value less the applicable platform commission then in effect. The Platform shall make the applicable commission rate visible to the host prior to confirmation of each booking, and no additional deduction shall be applied beyond the disclosed commission and any charges expressly authorized elsewhere in this Agreement.