Welcome to CIF Homes. These Terms & Conditions (“Terms”) govern your use of our website, products, and services. By accessing or using our services, you agree to comply with these Terms.

1. Definitions  
    •    Company: CIF Homes and its subsidiaries, affiliates, officers, and employees.
    •    User/Client: Any individual, investor, buyer, or visitor using our website or services.
    •    Property: Any land, estate, or building offered for sale, lease, or development by CIF Homes.

2. Real Estate Transactions  
    •    All property sales, leases, and investments are subject to verification, approval, and contract execution between the client and CIF Homes.
    •    Clients must review and understand all agreements, property documents, and payment terms before committing to a purchase or investment.
    •    CIF Homes reserves the right to modify property pricing, payment plans, and promotions without prior notice.

3. Payment Terms  
    •    Payments must be made in accordance with the agreed installment plan or full-payment schedule.
    •    Defaulting on payments for more than two (2) consecutive months may result in revocation of ownership rights.
    •    In case of withdrawal from a purchase, refunds (if applicable) will be subject to a 30% administrative deduction, provided the withdrawal request is made within one (1) month of subscription.

4. Property Documentation & Ownership  
    •    All properties sold by CIF Homes undergo due diligence and legal verification.
    •    Clients must ensure the accuracy of personal information provided, as false or fraudulent submissions may result in disqualification from ownership.
    •    CIF Homes reserves the right to hold, delay, or revoke title documentation if a client breaches contractual terms.

5. Use of Website & Services  
    •    Users may not copy, modify, distribute, or exploit website content without prior written consent.
    •    Unauthorized access, hacking, or data scraping from our website is strictly prohibited.
    •    CIF Homes does not guarantee continuous website availability and may update or suspend services without prior notice.

6. Privacy & Data Protection  
    •    CIF Homes respects your privacy and processes personal data in accordance with our Privacy Policy.
    •    Users consent to the collection, processing, and storage of their data for transactional and marketing purposes.

7. Limitation of Liability  
    •    CIF Homes shall not be held liable for:
    •    Any financial loss, misrepresentation, or misinformation from third-party agents or partners.
    •    Market fluctuations affecting property prices or investment returns.
    •    Any legal disputes arising from false claims or document forgery by a client.

8. Dispute Resolution  
    •    Any dispute shall first be settled amicably through negotiation.
    •    If unresolved, disputes shall be referred to arbitration in accordance with Nigerian real estate laws.
    •    The decision of the arbitrator(s) shall be final and binding on both parties.

9. Changes to Terms & Conditions  
    •    CIF Homes reserves the right to update these Terms & Conditions at any time.
    •    Continued use of our services constitutes acceptance of revised terms.

10. Contact Information

For any inquiries regarding these Terms & Conditions, contact us at:
📍 CIF Plaza, Opposite ULO Junction, Asaba-Ibusa Road, Asaba
📧 inquiry@cifhomesltd.com
📞 08052222444

By using our website or engaging in any transaction with CIF Homes, you confirm that you have read, understood, and agreed to these Terms & Conditions.

CIF Homes Invest Today, Secure Your Legacy.