SAVE2BUY User Agreement

Last updated: 2024 to present. This agreement governs your use of the SAVE2BUY savings plan offered by Celebrity Homes and Investment Global Limited (RC RC 8067397).

1. Introduction and Acceptance

This SAVE2BUY User Agreement (the "Agreement") is a binding contract between you (the "Client," "you," or "your") and Celebrity Homes and Investment Global Limited, a company duly incorporated under the Companies and Allied Matters Act 2020 and registered with the Corporate Affairs Commission of the Federal Republic of Nigeria under RC RC 8067397 (referred to as "Celebrity Homes," "the Company," "we," "us," or "our"). By ticking the "I agree" checkbox, creating a SAVE2BUY account, or making any payment toward a SAVE2BUY savings plan, you confirm that you have read, understood, and accepted every provision of this Agreement in full. If you do not agree to any part of this Agreement, you must not proceed with registration or payment, and you should contact us at info@celebrityhomes.ng or +2347010188042 O to discuss your options before continuing.

This Agreement is drafted with reference to Nigerian law, including but not limited to the Land Use Act (Cap L5, Laws of the Federation of Nigeria 2004), the Federal Competition and Consumer Protection Act 2018, the Evidence Act 2011, the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 (as amended), the Money Laundering (Prevention and Prohibition) Act 2022, the Nigeria Data Protection Act 2023, and the Arbitration and Mediation Act 2023. Nothing in this Agreement is intended to be, and nothing should be read as, a substitute for independent legal advice. You are encouraged to consult a legal practitioner of your choice before committing to any payment obligation.

2. Definitions

In this Agreement, unless the context requires otherwise:

"SAVE2BUY Plan" means the structured savings arrangement described on this website, under which you make periodic monthly contributions toward the eventual purchase of a plot of land or other property offered by the Company.

"Application" means the SAVE2BUY registration form you submit on this website, together with any supporting information you provide afterward.

"Monthly Contribution" means the recurring amount you commit to paying each month under your chosen SAVE2BUY plan or custom arrangement.

"Allocation" means the formal confirmation by the Company, in writing, of the specific estate and plot reserved for you following sufficient progress on your Monthly Contributions.

"Title Documents" means the receipt, allocation letter, registered survey plan, and Deed of Assignment issued to you as your payments progress and complete, in accordance with clause 9 of this Agreement.

"Governor's Consent" means the consent of the Governor of the relevant State required under section 22 of the Land Use Act for the valid alienation of land held under a Certificate of Occupancy or its equivalent.

3. Nature of the SAVE2BUY Plan

You acknowledge and agree that the SAVE2BUY Plan is a savings mechanism toward a future purchase, and not an immediate sale or transfer of any interest in land. No estate or specific plot is allocated to you at the point of registration. Allocation occurs only after the Company confirms, in writing, that your account and payment history meet the requirements for allocation under the plan you selected. Until an Allocation is confirmed in writing, you have no proprietary interest, equitable or legal, in any plot, and the Company reserves the right to adjust estate availability, pricing, and plot layouts in response to market conditions, subject to honoring the value of contributions you have already made.

All land offered through the SAVE2BUY Plan is subject to the Land Use Act, and any transfer of title is subject to obtaining the Governor's Consent where required by law. The Company will take reasonable steps to process and obtain the required consents and registrations once your plan is fully paid, but you acknowledge that timelines for government processes such as Governor's Consent, gazette publication, and registration at the applicable State Land Registry are outside the Company's direct control and may take longer than anticipated.

4. Eligibility and Client Representations

By applying for a SAVE2BUY Plan, you represent and warrant that you are at least 18 years of age, that you have full legal capacity to enter into binding contracts under Nigerian law, and that all information you provide in your Application, including your full name, phone number, email address, and next of kin details, is true, accurate, and current. You agree to promptly notify the Company in writing of any change to this information. Providing false or misleading information is a material breach of this Agreement and may result in suspension or termination of your account without prejudice to any other remedy available to the Company.

5. Registration, Account Security, and Verification

You are responsible for maintaining the confidentiality of your account password and for all activity that occurs under your account. You agree to notify the Company immediately at info@celebrityhomes.ng if you suspect unauthorized access to your account. The Company reserves the right to request identity verification documents, including a valid means of identification and proof of address, in line with its obligations under the Money Laundering (Prevention and Prohibition) Act 2022 and general due diligence practice in the Nigerian real estate sector. The Company reserves the right to decline, suspend, or delay any registration or Allocation where verification cannot be reasonably completed.

6. Payment Obligations and Schedule

You agree to pay your selected Monthly Contribution on or before the due date communicated to you at registration and in subsequent correspondence. Payments may be made through the payment channels made available by the Company from time to time, including card and bank transfer processing through the Company's designated payment service provider. A payment is only treated as received once it has been confirmed and reconciled in the Company's records, and you are responsible for retaining your own proof of payment until such confirmation is received.

The minimum Monthly Contribution, the total number of months required to complete a plan, and the reference plot price used to illustrate a plan are all subject to written confirmation at the point you begin your Application, and may differ from illustrative figures shown elsewhere on this website, which are provided for guidance only and do not form part of a binding quotation until confirmed in writing by the Company.

7. Late Payment, Default, and Cancellation

If you miss a Monthly Contribution, a member of the Company's team will make reasonable efforts to contact you using the phone number and email address on file before any adverse action is taken against your plan. Persistent default, meaning three or more consecutive missed Monthly Contributions without communication from you, may result in the Company treating your plan as inactive. Where a plan is cancelled, whether by you or as a result of sustained default, the Company will refund contributions actually received, less any administrative charges, processing fees, and any documented costs already incurred on your behalf (such as survey or documentation costs for an already-Allocated plot), within a reasonable period not exceeding ninety days from the date the cancellation is confirmed in writing, unless a longer period is separately agreed with you.

Nothing in this clause limits your right, under the Federal Competition and Consumer Protection Act 2018, to fair treatment, clear pre-contract disclosure, and protection against unfair contract terms.

8. Allocation of Estate and Plot

Once your account meets the Allocation requirements for your selected plan, the Company will confirm your estate and plot in writing, typically by email and a formal allocation letter. You may, subject to availability and the Company's sole discretion, request a change of estate or plot before full payment is completed, and any price difference between plots will be communicated to you and must be agreed in writing before it takes effect.

9. Documentation and Title

As your SAVE2BUY Plan progresses, the Company will issue Title Documents in stages consistent with the payment milestones communicated to you at Allocation. A registered survey plan and a Deed of Assignment are issued once your plan is fully paid and all applicable fees, including Governor's Consent processing fees and registration fees where applicable, have been settled. Before your plan is fully paid, the Company will not be obligated to release the Deed of Assignment or process Governor's Consent, since these steps confirm a completed transfer of the property in question. A formal title search is conducted at the applicable State Ministry of Lands before any estate is offered for sale, and you may request a copy of the search report relevant to your Allocation.

10. Fees, Charges, and Taxes

In addition to your Monthly Contributions, you may be responsible for reasonable administrative fees, survey fees, Governor's Consent processing fees, registration fees, and other statutory charges applicable under Delta State and Federal law at the time your plan is completed. All such fees will be disclosed to you in writing before they become due, and none will be applied without prior notice. You are solely responsible for any personal income tax, capital gains tax, or stamp duty obligations arising from your acquisition of land under this Agreement, in accordance with applicable Nigerian tax law.

11. Referral Program

Where you participate in the Company's referral program, any reward, discount, or commission earned is governed by the specific referral terms published on this website at the time of your referral, and the Company reserves the right to amend or discontinue the referral program at any time on reasonable notice, without affecting rewards already earned and confirmed in writing.

12. Your Responsibilities

You agree to keep your contact details current, to make Monthly Contributions promptly, to respond to reasonable requests for documentation or verification, and to use the SAVE2BUY portal only for lawful purposes. You agree not to attempt to circumvent, reverse engineer, or interfere with the operation of the Company's website or client portal.

13. Company Responsibilities and Limitation of Liability

The Company agrees to administer your SAVE2BUY Plan with reasonable care and skill, to maintain accurate records of your contributions, and to communicate material changes to your plan in writing. To the fullest extent permitted under Nigerian law, the Company's aggregate liability to you under this Agreement is limited to the total value of contributions you have paid under your SAVE2BUY Plan at the time any claim arises. The Company is not liable for delays or failures caused by circumstances outside its reasonable control, including but not limited to delays by government agencies in processing Governor's Consent or land registration.

14. Force Majeure

Neither party is liable for any failure or delay in performing its obligations under this Agreement where that failure or delay results from circumstances beyond its reasonable control, including natural disaster, civil unrest, government action, epidemic, or significant disruption to banking or payment infrastructure. The affected party will notify the other as soon as reasonably practicable and will resume performance as soon as the relevant circumstance ceases.

15. Data Protection and Privacy

The Company processes your personal data in accordance with the Nigeria Data Protection Act 2023 and the Company's Privacy Policy, available on this website. By accepting this Agreement, you consent to the Company collecting, storing, and processing your personal information for the purposes of administering your SAVE2BUY Plan, verifying your identity, communicating with you, and complying with applicable law. The Company will not sell your personal data to third parties.

16. Electronic Signatures and Records

You agree that your acceptance of this Agreement by ticking the "I agree" checkbox, together with the Company's electronic record of that acceptance (including the date, time, and IP address recorded at the point of acceptance), constitutes a valid and binding signature and record for all purposes under Nigerian law, including section 84 of the Evidence Act 2011 and the Cybercrimes (Prohibition, Prevention, etc.) Act 2015. You agree not to dispute the validity of this Agreement solely on the basis that it was accepted electronically rather than by way of a handwritten signature.

17. Dispute Resolution and Governing Law

This Agreement is governed by, and construed in accordance with, the laws of the Federal Republic of Nigeria and, where applicable, the laws of Delta State. In the event of any dispute arising from or connected to this Agreement, the parties agree to first attempt to resolve the matter amicably through good faith negotiation. If a dispute cannot be resolved within thirty days of one party notifying the other in writing, either party may refer the dispute to arbitration in accordance with the Arbitration and Mediation Act 2023, with the seat of arbitration in Asaba, Delta State. Subject to the foregoing, the courts of Delta State shall have jurisdiction over any matter not resolved through negotiation or arbitration.

18. Amendments to this Agreement

The Company may update this Agreement from time to time to reflect changes in law, regulation, or its business practices. Where an amendment materially affects your rights or obligations, the Company will notify you by email or through the client portal at least fourteen days before the change takes effect, and continued participation in the SAVE2BUY Plan after that date constitutes acceptance of the amended Agreement. Changes will never be applied retroactively to reduce contributions you have already made or benefits already confirmed in writing.

19. Termination

You may withdraw from the SAVE2BUY Plan at any time by giving written notice to the Company, subject to the refund terms in clause 7. The Company may terminate this Agreement immediately, on written notice, where you materially breach this Agreement, including by providing false information, engaging in fraudulent activity, or failing to make Monthly Contributions as described in clause 7.

20. Entire Agreement and Severability

This Agreement, together with any allocation letter, receipt, or written confirmation issued to you under it, constitutes the entire agreement between you and the Company regarding the SAVE2BUY Plan, and supersedes any prior oral or written understanding on the same subject. If any provision of this Agreement is found by a court or arbitral tribunal of competent jurisdiction to be invalid or unenforceable, that provision will be severed, and the remaining provisions will continue in full force and effect.

21. Contact Information

If you have any questions about this Agreement, please contact Celebrity Homes and Investment Global Limited at 14 Franklin Street, off Okpanam Road, Asaba, Delta State, by email at info@celebrityhomes.ng, or by phone at +2347010188042 O.

22. Acknowledgment and Acceptance

By checking the box below and proceeding with your SAVE2BUY Application, you confirm that you have read this Agreement in full, that you understand its contents, that you had the opportunity to seek independent legal advice, and that you accept its terms as legally binding upon you.