Terms of Service

Please read these terms carefully before using HSF Direct. Your use of our platform constitutes acceptance of these terms.

Last Updated: October 19, 2025

These Terms of Service ("Terms") govern your access to and use of the HSF Direct platform, operated by Houzzley Technologies Limited ("we," "us," or "our"), a company incorporated in Nigeria.

By creating an account or using any part of HSF Direct, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Houzzley Technologies Limited.

1. Acceptance of Terms

1.1 Agreement

By accessing or using HSF Direct, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our platform.

1.2 Eligibility

You must be at least 18 years old and a Nigerian resident or citizen to use HSF Direct. By using our platform, you represent and warrant that you meet these requirements.

1.3 Account Registration

To access certain features, you must create an account with accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and all activities under your account.

2. Platform Services

2.1 Service Description

HSF Direct is a home loan origination platform that facilitates connections between prospective homebuyers, lenders, and property developers. We provide tools for mortgage pre-approval, property browsing, application submission, and loan processing.

2.2 No Guarantee

While we strive to provide accurate information and seamless service, we do not guarantee loan approval, property availability, or any specific outcome. All lending decisions are made by our partner financial institutions based on their criteria.

2.3 Third-Party Services

Our platform integrates with third-party services including lenders, credit bureaus, and property developers. Your interactions with these parties are subject to their respective terms and conditions.

3. User Responsibilities

3.1 Accurate Information

You agree to provide truthful, accurate, and complete information in all applications and communications. Providing false information may result in account termination and legal consequences.

3.2 Prohibited Activities

You may not: use the platform for fraudulent purposes, attempt to gain unauthorized access to our systems, interfere with platform operations, violate any applicable laws, impersonate another person or entity, or collect user data without authorization.

3.3 Document Authenticity

All documents submitted must be genuine and unaltered. Submission of forged or falsified documents is a criminal offense under Nigerian law and will be reported to appropriate authorities.

4. Financial Terms

4.1 Platform Fees

HSF Direct may charge platform fees for certain services. All applicable fees will be clearly disclosed before you proceed with any transaction. Fees are non-refundable except as required by law.

4.2 Loan Terms

Loan terms, interest rates, and repayment schedules are determined by the lending institution. You are responsible for understanding and agreeing to all loan terms before acceptance.

4.3 Property Pricing

Property prices displayed on the platform are provided by developers and may be subject to change. We are not responsible for price discrepancies or changes made by property developers.

5. Intellectual Property

5.1 Ownership

All content, features, and functionality on HSF Direct, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the property of Houzzley Technologies Limited and are protected by Nigerian and international copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the platform for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

6. Disclaimers and Limitations

6.1 No Warranty

HSF Direct is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the platform will be uninterrupted, error-free, or secure.

6.2 Limitation of Liability

To the fullest extent permitted by law, Houzzley Technologies Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform, including but not limited to loss of profits, data, or business opportunities.

6.3 Financial Advice Disclaimer

Information provided on HSF Direct is for informational purposes only and does not constitute financial, legal, or investment advice. You should consult with qualified professionals before making financial decisions.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using HSF Direct, you consent to our data practices as described in the Privacy Policy.

8. Termination

8.1 By You

You may terminate your account at any time by contacting our customer support. Termination does not relieve you of obligations incurred prior to termination.

8.2 By Us

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or for any other reason at our sole discretion, with or without notice.

9. Dispute Resolution

9.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

9.2 Arbitration

Any dispute arising from these Terms shall be resolved through arbitration in Lagos, Nigeria, in accordance with the Arbitration and Conciliation Act of Nigeria, before resorting to litigation.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the platform. Your continued use of HSF Direct after changes constitutes acceptance of the updated Terms.

11. Miscellaneous

11.1 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

11.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Houzzley Technologies Limited regarding HSF Direct.

11.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Contact Us

If you have questions about these Terms of Service, please contact us:

Legal Department

Email: [email protected]

Phone: +234 817 4224 060

Address: 1610 Adeola Hopewell, Victoria Island, Lagos, Nigeria