Platform Policies
& Documentation

By accessing or using the Ladaar platform ("Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must not use the Platform.

Ladaar Infrastructure Limited ("Ladaar", "we", "us", or "our") reserves the right to modify these Terms at any time. Changes will be communicated via email or in-app notification. Continued use of the Platform after such changes constitutes acceptance of the revised Terms.

To use the Ladaar Platform, you must:

• Be at least 18 years of age
• Be a resident, citizen, or diaspora member accessing the Platform for Nigerian construction projects
• Provide accurate, complete, and current registration information
• Have the legal capacity to enter into binding contracts under Nigerian law

Ladaar reserves the right to refuse registration or suspend any account at its discretion.

You are responsible for maintaining the confidentiality of your account credentials. You must notify Ladaar immediately of any unauthorised access to your account. Ladaar shall not be liable for any loss or damage resulting from your failure to comply with this obligation.

You may not transfer, sell, or assign your account to any third party without prior written consent from Ladaar.

All funds deposited into the Ladaar Wallet are held in regulated escrow accounts and are subject to the following conditions:

• Funds are disbursed only upon verified milestone completion, as agreed in the Digital Contract
• Ladaar does not use escrowed funds for its own operations or investments
• Withdrawal of uncommitted funds is permitted subject to applicable processing times and fees
• Ladaar is not a licensed bank or deposit-taking institution; wallet services are facilitated through regulated financial partners

Users acknowledge that currency conversion for diaspora remittances is subject to prevailing exchange rates at the time of conversion.

Ladaar provides a marketplace connecting project owners with vetted construction professionals and suppliers. By using the marketplace:

• Project owners acknowledge that Ladaar acts as an intermediary and is not a party to any contract formed between users
• Professionals confirm that all information submitted during verification is accurate and up-to-date
• Both parties agree to conduct all engagements in accordance with the Digital Contract terms
• Professionals must not solicit direct off-platform payments for projects initiated through Ladaar

Ladaar reserves the right to remove any professional from the marketplace for breach of platform policies, fraudulent conduct, or sustained poor performance ratings.

All engagements between project owners and professionals on the Platform must be governed by a Ladaar Digital Contract. These contracts are legally referenced under Nigerian law and define scope, milestones, rates, and payment terms.

Neither party may unilaterally alter a Digital Contract once countersigned. Any amendments require mutual written agreement facilitated through the Platform.

Ladaar charges service fees for the use of its Platform features. Applicable fees will be disclosed to users prior to any transaction. Fees are non-refundable except where explicitly stated or required by applicable law.

All transactions on the Platform are conducted in Nigerian Naira (NGN) unless otherwise agreed for diaspora remittance transactions.

Users must not:

• Provide false or misleading information during registration or on the marketplace
• Engage in fraudulent activity, including misrepresentation of qualifications or project status
• Use the Platform to engage in money laundering or any other illegal financial activity
• Circumvent the Platform's payment and escrow system by soliciting off-platform payments
• Harass, threaten, or abuse other users of the Platform
• Attempt to gain unauthorised access to any system, account, or data on the Platform

Violation of these prohibitions may result in immediate account suspension and referral to relevant authorities.

In the event of a dispute between users, the disputing party must file a formal dispute notice through the Platform. Ladaar will review all available evidence, including Digital Contracts, milestone records, and platform communications. Funds held in escrow remain protected and undisbursed until the dispute is resolved.

Disputes involving Ladaar itself shall first be subject to good-faith negotiation and, failing that, binding arbitration in Lagos, Nigeria, under the Lagos Court of Arbitration rules.

To the maximum extent permitted by applicable Nigerian law, Ladaar shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Platform, including loss of profits, project delays, or disputes between users.

Ladaar's total aggregate liability shall not exceed the total fees paid by the relevant user to Ladaar in the three months preceding the claim.

All content, design elements, software, branding, and features of the Ladaar Platform are the intellectual property of Ladaar Infrastructure Limited, protected under Nigerian copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any Ladaar content without express written permission.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes not resolved through arbitration shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

• Directly from you when you register, complete your profile, or use our services
• Through your activity on the Platform including transactions, project updates, and reviews
• From third-party identity verification providers in compliance with KYC/AML regulations
• From regulated financial partners in connection with wallet and payment services
• Through cookies and similar tracking technologies on our website and app

• Contract performance — to provide the services you have requested and fulfil our obligations to you
• Legal obligation — to comply with applicable AML/KYC regulations
• Legitimate interests — to improve our platform, prevent fraud, and ensure security
• Consent — for marketing communications and non-essential cookies, where you have given explicit consent

• To create and manage your account
• To facilitate project financing, escrow management, and milestone disbursements
• To verify the identity of users and professionals on the marketplace
• To generate and manage Digital Contracts between parties
• To provide customer support and resolve disputes
• To send transactional notifications, service updates, and platform alerts
• To comply with regulatory and legal reporting requirements
• To detect, investigate, and prevent fraudulent or illegal activity

We do not sell your personal data. We may share your data with the following categories of third parties:

Upon expiry of applicable retention periods, data is securely deleted or anonymised.

• Right of Access — request a copy of the personal data we hold about you
• Right to Rectification — request correction of inaccurate or incomplete data
• Right to Erasure — request deletion where data is no longer necessary
• Right to Restriction — request that we limit processing in certain circumstances
• Right to Data Portability — receive your data in a structured, machine-readable format
• Right to Object — object to processing based on legitimate interests or direct marketing
• Right to Withdraw Consent — where processing is based on consent, withdraw it at any time

To exercise any of these rights, contact us at privacy@ladaar.com. We will respond within 30 days in accordance with the NDPA 2023.

Ladaar implements appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, disclosure, or destruction. These include encryption in transit and at rest, access controls, and regular security assessments.

While we take all reasonable precautions, no internet-based system is entirely secure. You are responsible for maintaining the security of your login credentials.

The Ladaar Platform is not directed at individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided personal data to us, please contact us immediately and we will take steps to delete the data without delay.

If you believe your data protection rights have been violated, you have the right to lodge a complaint with the Nigeria Data Protection Commission (NDPC) at www.ndpc.gov.ng.