Kanesto Terms of Use

Effective and last updated: 29 October 2026.

Kanesto — Building the trusted infrastructure for real estate in Nigeria.

These Terms of Use ("Terms") are a legal agreement between you and Kanesto Technologies Limited ("Kanesto", "we", "us", "our"), governing your access to and use of the Kanesto website, mobile/web application, and related services (together, the "Platform").

Important notice, in short. Kanesto is a technology marketplace. It is not an estate agent, landlord, bank or escrow agent, and it is not a party to any tenancy, sale or service agreement between users. A Kanesto verification badge or inspection report shows what we checked, not a guarantee. Payments are processed by Flutterwave. Please read these Terms in full: they limit what Kanesto is responsible for, and they explain your rights.

1. Who Kanesto Is

Kanesto is a technology platform operated by Kanesto Technologies Limited, a company incorporated in Nigeria (RC 9883959). Registered office: as recorded with the Corporate Affairs Commission (CAC).

Kanesto provides digital tools that let people who own, manage, seek, or provide services around real estate in Nigeria — houses, apartments, land, commercial space, student accommodation, shared/co-living rooms, hotels and short stays, offices, event halls, and other categories Kanesto configures from time to time — find each other, communicate, document their arrangements, and make and receive payments connected to those arrangements.

Kanesto is a property technology platform. Kanesto is not a bank, is not a licensed financial institution, and does not act as an escrow agent or hold money as a bank would. Payments are processed by Flutterwave and money owed to users is paid out to their own bank accounts (see the Payments and Payout policies). Rent paid at Kanesto's rent checkout is split by Flutterwave to the recipients' own accounts when it is paid. For a very large rent paid by bank transfer, Kanesto receives the payment into its company account for a short time and pays it on the next working day, as set out in Section C1A of the Platform Policy; that money is recorded, not held in a regulated escrow or trust account.

Kanesto is a marketplace and technology platform. Kanesto is not, and does not become, the landlord, tenant, buyer, seller, agent, property owner, developer, or service provider in any transaction merely because it facilitates that transaction. Where Kanesto itself is a party to a transaction (for example, a fee Kanesto charges for its own service), that is stated explicitly.

1A. Meanings of Some Words

In these Terms and the policies they refer to:

"Applicable Law" means the laws and regulations of the Federal Republic of Nigeria that apply, including the law of the state where a property is.
"Business Day" means a day other than a Saturday, a Sunday or a public holiday in Nigeria.
"Chargeback" means a payment that a card issuer or bank takes back from the payment provider after the person who paid disputes it with their bank or card issuer.
"Hold" means that Kanesto delays, freezes or reviews a payment or a payout before it is released.
"Kanesto Fee" means an amount Kanesto charges for itself and shows on its own line before you pay (see Section 15.2 and Section C6B of the Platform Policy).
"Payment Provider" means Flutterwave, or any other regulated provider Kanesto uses to take or send payments.
"Personal Data" has the meaning given in the Nigeria Data Protection Act 2023.
"Processing Charge" means the charge made by the Payment Provider for handling a payment, shown separately when it applies.
"Transaction Reference" means the reference number the Payment Provider and Kanesto give to a payment.
"User" means anyone who uses the Platform, with or without an account.

2. Acceptance of These Terms

By creating an account, browsing listings, or otherwise using the Platform, you agree to these Terms and to our Privacy Policy and our Platform Policy (listing rules, verification, payments and refunds, withdrawals, and home services), each of which is incorporated into these Terms by reference. If you do not agree, do not use the Platform.

If you use the Platform on behalf of a company, agency, or other organisation, you confirm you have authority to bind that organisation to these Terms.

3. Eligibility and Account Requirements

3.1. You must be at least 18 years old and legally capable of entering into binding contracts under Nigerian law to create an account or transact on the Platform.

3.2. You must provide accurate, current information when registering and keep it up to date. You are responsible for all activity that occurs under your account and for keeping your login credentials confidential.

3.3. Kanesto supports multiple account roles and combinations — property seeker/tenant, landlord, agent/agency, developer, service provider, inspector, and others as Kanesto introduces them. A single account may hold more than one role. Everyone joins with the same simple sign-up; you add a role later from the menu (List a property, Offer services or Become an inspector) by giving the details that role needs, and some roles also need to be verified before they can be used (for example, you cannot publish a listing until your identity is verified). Each role carries the responsibilities set out below.

3.4. When you create an account you are asked to accept these Terms and the Privacy Policy. Kanesto records the time and the version you accepted with your account. You cannot create an account without accepting them.

4. User Responsibilities (All Users)

You agree to:

provide truthful, accurate, and complete information in your profile, listings, applications, bookings, and communications;
use the Platform only for lawful purposes connected to genuine real-estate or service transactions;
respect other users' privacy and not use information obtained through the Platform for any purpose unrelated to your transaction;
comply with all applicable Nigerian laws, including tenancy, property, consumer-protection, and data-protection law, in your dealings on the Platform;
promptly report suspected fraud, scams, or policy violations you become aware of.

4A. What Kanesto Does

Kanesto will:

make the Platform available and take reasonable care to keep it working, secure and accurate;
use reasonable security measures to protect your account and the payment records it holds;
take payments through the Payment Provider where the Platform shows that a payment is made through Kanesto, record them, and pay out what is owed to the person it is owed to, as set out in the Platform Policy;
review reports, refund requests and disputes fairly and give reasons for its decisions;
tell you before it changes these Terms or a fee in a way that affects you (Sections 15.4 and 22); and
handle your Personal Data as set out in the Privacy Policy.

Kanesto does not promise that the Platform will always be available or free of errors (see Section 20.6).

4B. What You Promise

When you use the Platform you promise that:

you are who you say you are, and if you act for a company, agency or other person you have the authority to do so;
the information, documents, photographs and content you give or post are true, are yours to use, and are not misleading;
the money you pay or receive through the Platform comes from a lawful source, and you will not use the Platform for money laundering, fraud, or to fund any crime;
any bank account you use to receive money is in your own name or your organisation's name, or belongs to a person you are properly authorised to receive money for;
you will not ask for, take or store another person's card number, PIN, password or one-time code;
you will not use the Platform for anything unlawful, and will not break another person's rights, including their privacy and intellectual property;
you will keep your login details secret and tell us at once if you think someone else is using your account; and
you will help Kanesto with a reasonable request for information in an investigation of fraud, a complaint or a dispute.

5. Landlord Responsibilities

If you list a property as a landlord (or on behalf of one), you confirm that:

you own the property or otherwise have the legal right to let, sell, or otherwise deal with it as listed;
the listing accurately describes the property's location, condition, price, and terms;
you will honour the terms shown to a seeker at the point they pay or sign, and will not demand undisclosed sums outside the Platform's recorded fee structure;
you are responsible for complying with any state-specific tenancy law applicable to your property (see Section 23); Kanesto does not verify compliance with every state's tenancy regulations before a listing goes live.

6. Agent and Agency Responsibilities

If you list or act on a property as an agent, agency, or developer, you additionally confirm that:

you have the property owner's genuine authority to market, negotiate, or transact on that property, and will produce evidence of that authority on request by Kanesto or by a counterparty;
any commission, fee, or split you charge is disclosed clearly to the party paying it before they pay;
you will not misrepresent your relationship to a property, an owner, or a listing;
if you collect rent for a landlord, you pass it to the landlord in full, less only a fee the landlord agreed, and you answer to the landlord and the tenant for it.

7. Tenant / Property-Seeker Responsibilities

If you search for, apply for, or take a property through the Platform, you agree to:

provide accurate information in applications (identity, income/affordability information you choose to share, references);
honour the payment and occupancy terms you agree to in a rental agreement or booking;
report property condition or safety concerns to the landlord/agent and, where relevant, through the Platform's dispute channel.

8. Service-Provider Responsibilities

If you offer services through Kanesto Services (inspection, moving, cleaning, or other configured services), you agree to:

perform services as described and priced in your listing;
hold any licences or qualifications your service type genuinely requires under Nigerian law;
honour bookings you accept, and use the Platform's cancellation process rather than abandoning a confirmed booking.

9. Listing Accuracy

All listings — property or service — must accurately state price, location, condition, availability, and any material terms. See Part A of the Platform Policy for detailed requirements. Misleading listings may be removed and repeat offenders may be suspended.

10. Prohibited Activities

You must not:

commit or attempt fraud, including collecting payment for a property or service you do not have the right to offer;
impersonate another person, business, or Kanesto staff member;
create duplicate or fake listings for a property that does not exist, is not actually available, or belongs to someone else;
post misleading photographs, pricing, or descriptions ("bait" listings designed to attract enquiries under false pretences);
circumvent Kanesto's payment, fee, or verification systems, or solicit another user to transact outside the Platform specifically to avoid them;
scrape, reverse-engineer, or interfere with the Platform's operation or security;
upload unlawful, defamatory, or infringing content;
discriminate unlawfully against a prospective tenant, buyer, or service recipient on a ground prohibited by applicable Nigerian law.

11. Fraud, Scams, and Impersonation

Reports of suspected fraud, scam listings, or impersonation are reviewed under our Part A of the Platform Policy and Part B. Kanesto may suspend accounts and listings pending investigation and may report credible criminal conduct to Nigerian law-enforcement authorities.

11A. Holds, Fraud Checks and Money Laundering

11A.1. Kanesto may place a Hold on, delay, or refuse to release a payment or payout, and may suspend the account involved, where it reasonably suspects fraud, money laundering or another crime; where the Payment Provider, a bank, a regulator, the police or a court asks or orders it; where a chargeback or dispute is open; or where it needs more information to check who you are or who should be paid.

11A.2. Kanesto will tell you about a Hold as soon as it lawfully can, and will say what it needs from you. It will release the money when the matter is resolved, unless the money has to be returned to the person who paid, or the law or an order says otherwise. Kanesto is not liable for a loss from a Hold made in good faith, except as set out in Section 20.2.

11A.3. Kanesto may report suspected offences to the police, the Economic and Financial Crimes Commission, the Nigerian Financial Intelligence Unit or any other authority entitled to receive the report, and may share the information needed to do so, as the law allows or requires. Kanesto may be required not to tell you that it has done so.

11A.4. Each user must comply with the laws on money laundering, terrorist financing and bribery that apply to them, including the Money Laundering (Prevention and Prohibition) Act 2022, and must not offer or accept any bribe in connection with the Platform.

12. Intellectual Property

12.1. The Platform's software, design, trademarks (including "Kanesto"), and platform-generated content belong to Kanesto or its licensors. You may not copy, modify, or redistribute them without written permission.

12.2. User-generated content: you retain ownership of content you upload (listing photos, descriptions, messages, reviews). By posting it, you grant Kanesto a non-exclusive, worldwide licence to host, display, and distribute that content solely for operating and promoting the Platform. You confirm you have the right to grant this licence for everything you upload.

12.3. Kanesto may remove content that violates these Terms or applicable law.

12.4. Content complaints. If you believe content on the Platform infringes your copyright, trademark or privacy, or is defamatory or unlawful, send a notice to legal@kanesto.africa with: who you are, the link to the content, what right you say is infringed and why, and a statement that your notice is accurate. We will review it promptly, may remove the content while we do, and will tell the person who posted it. They may reply with a counter-notice explaining why the content is lawful, and we will review that too. We may restore content that was removed by mistake.

12.5. Electronic records and signatures. Agreements, notices and signatures made on the Platform (for example a document signed by typing your name) are electronic records and electronic signatures. Nigerian law recognises these, and Kanesto keeps a record of when and by whom each was made.

13. Communications

Kanesto may send you service communications (transaction confirmations, security alerts, policy updates) related to your account and use of the Platform. Marketing communications are governed by the consent and opt-out choices described in our Privacy Policy.

14. Verification

Kanesto offers optional identity, property, and business verification described in our Part B of the Platform Policy. Verification indicates that Kanesto has completed the stated verification process for the item shown — it is not a guarantee of a person's identity, a property's title, or the safety of any transaction.

14A. Verification to publish. You may publish a listing only after Kanesto has approved your identity document and, where a state requires it of agents, agencies, developers and property managers (today Lagos State), your professional registration. Kanesto does not approve each listing before it goes live, so a live listing is not a statement by Kanesto that it has been checked: only the badges and notes on the listing say what was checked. See Sections A6 and A9 of the Platform Policy.

15. Payments

15.1. Payments on the Platform are processed through Flutterwave, an independent, regulated Nigerian payment service provider. Kanesto does not store your card details; Flutterwave handles card and payment-instrument data directly. See our Part C of the Platform Policy for how specific payment flows work.

15.2. Fees currently charged by Kanesto (plan prices, the flat safety fee on rent paid through Kanesto, the success fee taken from an agent's fee, the fee from a landlord who lists their own property, platform fees and service fees) are shown to you before you pay, and may be updated from time to time; the applicable fee is the one displayed to you at the time of your transaction.

15.3. When a payment counts. A payment counts as made only when the Payment Provider confirms it and Kanesto records it against the Transaction Reference. The confirmation and the Transaction Reference are the proof of payment. If a payment fails, is not completed, or the Payment Provider cannot confirm it, no payment is recorded (see Section C7 of the Platform Policy). If you were charged and no payment is recorded, contact support with the Transaction Reference and Kanesto will check with the Payment Provider.

15.4. Changes to fees. Kanesto may change its fees. A change to a fee that applies to you takes effect at least 10 days after Kanesto tells you about it, and does not apply to a payment you have already made or a booking you have already confirmed. The fee shown to you before you pay is the fee you pay.

15.5. Kanesto's fees are not refundable. A Kanesto Fee that has been earned or paid is not refunded if your account is closed or suspended, or if these Terms end for any reason. Section 16.4 and Section C6B of the Platform Policy explain the exceptions where Kanesto made a mistake, did not provide what the fee was for, or the law requires a refund.

15.6. Taxes. The price shown to you says whether a tax is included in a Kanesto Fee. Each user is responsible for their own taxes on what they earn through the Platform, such as a landlord's tax on rental income, an agent's or provider's tax on fees, and any tax a seller must account for. Kanesto does not give tax advice.

15.7. Business days. Payments are taken at any time, but Kanesto and the Payment Provider process payouts and refunds on Business Days. Something that would fall on a Sunday or public holiday is processed on the next Business Day. Banks may take longer.

15A. Payments Made Outside Kanesto

Important notice. Please read this section. Kanesto protects, records and can help you recover only the money you pay through Kanesto.

15A.1. What is covered. Kanesto's payment protection, refund policy and payment-dispute help apply only to a payment made at the Kanesto checkout, or by bank transfer to Kanesto's own company account against an invoice shown to you in the Platform (see Part C of the Platform Policy).

15A.2. What is not covered. If you pay or agree anything outside Kanesto, Kanesto is not a party to it. This includes cash, a transfer to a person's own account, a payment link or account number sent to you in a chat, and any deal arranged by phone, WhatsApp, social media or in person. Kanesto does not receive, hold, verify, trace, reverse or refund that money, does not guarantee that the other person will do what they promised, and, to the extent the law allows, is not responsible for any loss, damage or dispute that comes from it. You deal with the other person at your own risk, and your remedies are against that person under the law, including by reporting to the police.

15A.3. Payments that are direct by design. Some money moves directly between users and the Platform says so where it arises, for example the price of a property sale and the parts and materials for a service job. Kanesto does not take, hold or guarantee those payments either.

15A.4. Do not take deals off the Platform. Do not ask for, offer or agree to payment outside Kanesto for something that is offered or priced on Kanesto, or to avoid a Kanesto fee. Doing so breaks these Terms. Kanesto may remove the listing, suspend or close the account, and hold money owed to you as set out in Section 17.

15A.5. What we will still do. If something goes wrong outside Kanesto, you can still report the listing or the person. Kanesto may investigate, suspend an account, and share information with the police or a regulator where the law allows or requires. Kanesto is not required to recover money that was paid outside the Platform, and making a report does not make Kanesto responsible for that money.

15A.6. What this section does not do. It does not exclude or limit any liability that cannot lawfully be excluded or limited under Nigerian law, including under the Federal Competition and Consumer Protection Act 2018. It does not affect Kanesto's liability for its own fraud, wilful default or gross negligence, or for death or personal injury caused by its negligence. And it does not affect your right to a refund of money you paid through Kanesto where Part C of the Platform Policy or the law requires one.

16. Cancellations and Refunds

Cancellation and refund terms depend on the type of transaction (service booking, plan, inspection or viewing fee). Rent is paid through Kanesto's rent checkout where a listing shows it (Part C, Section C1A, of the Platform Policy), and a short stay is paid through Kanesto too (Section C1C). A property sale is agreed and paid directly between buyer and seller and is not paid through Kanesto. The rules are set out in Part C of the Platform Policy.

16.2. No blanket "no refund" rule. Kanesto does not refuse refunds as a rule. Whether you get a full refund, a partial refund or none depends on what you paid for, what has been provided, and who was at fault, as set out in Part C of the Platform Policy (Sections C5, C6 and C6A) and, for home services, Part E. Where a service you paid for through Kanesto is not provided, or is not provided as agreed, you are entitled to a remedy, which includes a refund where the law requires one.

16.3. Partial refunds. A refund can be in part. It is worked out from the parts of the payment that are refundable, as explained in Section C6A, and it goes back to the method you paid with.

16.4. Kanesto's fee is not refundable. Kanesto's own fee (as described in Section C6B of the Platform Policy) is the one part of a payment that is not refunded, whether you cancel, change your mind or the other person does not go ahead. It is shown to you as its own line before you pay. This does not apply where Kanesto made a mistake, did not provide what the fee was for, or the law requires a refund.

16.5. Your rights. Nothing in this section limits any right you have under Nigerian consumer-protection law, including the Federal Competition and Consumer Protection Act 2018, or under the tenancy law of the state where the property is.

16A. Chargebacks and Payment Reversals

16A.1. Please contact Kanesto support first if you have a problem with a payment. You still have the right to raise it with your bank or card issuer, and Kanesto does not stop you.

16A.2. If a chargeback is filed against a payment made to you (for example, a rent, a viewing fee, a service or a stay), Kanesto will tell you through the Platform or by email, and will ask for your evidence, such as the agreement, proof that the service was done, and messages. You must send it within 5 Business Days, or within the shorter time the Payment Provider or the bank requires (which Kanesto will tell you, and which will not be less than 48 hours).

16A.3. If you do not reply in time, Kanesto may decide on the information it has, may accept the chargeback, and may recover the amount under Section 17.2. Kanesto will tell you what it decided and why, and you can ask for a second review by a different staff member.

16A.4. Kanesto may pass your evidence on to the Payment Provider, but it cannot promise that the chargeback will be reversed. If it is not, the amount and any chargeback fee charged by the Payment Provider are the responsibility of the user whose payment it was, unless the chargeback happened because of a mistake by Kanesto.

16A.5. A refund does not end the right of the person who paid to raise a chargeback. If they do so after being refunded, Kanesto will count the refund against the chargeback and will not recover the same amount twice from either person.

16A.6. If a user has an unusually high number of chargebacks or complaints, Kanesto may review the account, put a Hold on payouts, limit what the account can do, or suspend it, under Sections 11A and 19.

17. Payouts

17.1. Users owed money through the Platform (for example, a landlord's rent proceeds or an agent's commission) may request a withdrawal to their Nigerian bank account, reviewed and processed as described in our Part D of the Platform Policy.

17.2. Recovering refunds and chargebacks. If money that Kanesto paid or owes to you is refunded to someone else because of a decision under Part C of the Platform Policy, or because of a chargeback (for example because a place was not as described, a service was not done, or a booking was cancelled), you agree that Kanesto may hold back or deduct that amount from other money it owes you through the Platform, and may ask you to repay any shortfall. Kanesto will tell you what it has done and why, and you can ask for a second review. Kanesto will not take more than the amount in question and will not use this to take money that has nothing to do with it.

17.3. Holds and delays. Kanesto may delay or Hold a payout as set out in Section 11A. Payouts are also delayed while a refund request, chargeback or dispute about the same payment is open.

17.4. Check your payouts. If you think a payout is wrong, tell Kanesto within 7 days of it being paid, with the Transaction Reference. After that, Kanesto is not required to look again at that payout, but this does not stop Kanesto correcting a mistake it finds, or you from claiming under the law.

17.5. Bank processing times. Kanesto sends an approved payout promptly, within the time shown in your Wallet. When the money shows in your account depends on your bank and the banking network. Banks sometimes delay credit alerts, especially late at night, on Sundays and public holidays, and during bank maintenance. A delay at your bank or on the banking network is not a delay by Kanesto. If a payout shows as Paid on Kanesto and has not reached your account after one Business Day, contact support with the Transaction Reference.

17.5. Payouts that are returned. If a payout is returned or reversed by the bank (for example because of wrong account details), the money stays yours and is made available to you again, as set out in Part D of the Platform Policy.

18. Disputes

18.1. If a disagreement arises between users (e.g. over a listing's accuracy, a deposit, or a service outcome), Kanesto's support and moderation team may assist in good faith but is not a court, arbitrator, or ombudsman and cannot compel either party to act.

18.2. Disputes about a payment that Kanesto holds, a refund, or a Kanesto inspection are first raised through the Support page, and Kanesto's team will review them as described in the Platform Policy (Part C: Payments, Refunds and Cancellation). If a dispute between users is not resolved that way, the parties are encouraged to try mediation before starting court or arbitration proceedings. Nothing in this section stops you from going to a court or to a regulator such as the Federal Competition and Consumer Protection Commission.

19. Suspension and Termination

19.1. Kanesto may suspend or terminate an account or remove a listing/booking that violates these Terms, applicable law, or where Kanesto reasonably believes doing so is necessary to prevent fraud, harm, or legal exposure. Where reasonably possible, Kanesto will explain the reason.

19.2. You may close your account at any time; this does not cancel obligations (payment, tenancy, or service commitments) you already entered into with another user or with Kanesto.

19.3. What happens when your account ends. Money you are owed is dealt with under Part D of the Platform Policy, after anything owed to Kanesto or to another user under these Terms has been taken into account (Section 17.2). Kanesto Fees already earned are not refunded (Section 15.5). Kanesto may keep records as the law requires, as set out in the Privacy Policy.

19.4. What carries on. The parts of these Terms that by their nature should continue after your account ends continue, including Sections 15A, 15.5, 16A, 17.2, 20, 23 and the rights and duties that had already arisen.

20. Limitation of Kanesto's Role

20.1. Kanesto is a technology marketplace. Kanesto does not inspect, own, warrant, or guarantee the accuracy, safety, legality, or fitness of any property, listing, or service offered by another user, except where Kanesto has expressly and in writing agreed to provide a specific service (e.g. a paid inspection). Kanesto is not a party to the tenancy, sale, or service agreement formed between users, and is not responsible for what users agree or pay outside the Platform (see Section 15A).

20.2. This limitation does not exclude or restrict any liability that cannot lawfully be excluded or restricted under Nigerian law, including under the Federal Competition and Consumer Protection Act 2018, and does not exclude liability for Kanesto's own fraud, wilful default, or gross negligence.

20.3. Cap. To the extent the law allows, and subject to 20.2, Kanesto's total liability to you for anything connected with the Platform is limited to the fees you paid to Kanesto in the 12 months before the event that gave rise to your claim. This cap does not apply to money you paid for a transaction that Kanesto is obliged to refund or release under the Payments, Refunds & Cancellation Policy.

20.4. To the extent the law allows, Kanesto is not liable for indirect or consequential loss, such as lost profit, lost opportunity or loss of reputation.

20.5. Indemnity. You agree to cover Kanesto for losses, claims and reasonable costs that arise because you broke these Terms, posted content you had no right to post, or misrepresented a property, your authority or your identity.

20.6. Availability and "as is". The Platform is provided "as is" and "as available". To the extent the law allows, and subject to Section 20.2, Kanesto does not promise that the Platform will always be available, uninterrupted, secure or free of errors or viruses, or that it will meet every requirement you have. Kanesto does not endorse or guarantee any product, service or content from a third party that is linked from the Platform.

21. Third-Party Services

The Platform integrates third-party services, including Flutterwave (payments) and, for payouts, transfers processed via Kuda Business. Your use of those services may also be subject to their own terms. Kanesto is not responsible for the acts or omissions of independent third-party providers, except as set out in Section 20.2.

21A. Events Outside Our Control

Kanesto is not in breach of these Terms, and is not liable, for a delay or failure caused by something outside its reasonable control, such as a power or network failure, an outage at a payment, hosting or banking provider, a government action, a strike, or a natural disaster. We will take reasonable steps to restore the service and tell you what to expect.

22. Changes to These Terms

Kanesto may update these Terms from time to time. Material changes will be notified through the Platform (for example a banner, email, or in-app notice) at least 10 days before they take effect, unless the change is needed sooner to comply with the law or to protect the security of the Platform, in which case Kanesto will tell you as soon as it can. A change does not apply to a payment you have already made or a booking you have already confirmed. Continued use after a change takes effect means you accept the updated Terms; if you do not accept them, you can close your account.

23. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes that are not resolved under Section 18 are subject to the jurisdiction of the courts of Nigeria that have jurisdiction over the matter, or to arbitration under the Arbitration and Mediation Act 2023 where the parties agree to it in writing. Where a property is in a state that has its own tenancy or property law (for example the Lagos State tenancy law), that law continues to apply to matters it governs, and nothing in these Terms removes rights you have as a consumer under Nigerian law.

Steps for a dispute with Kanesto. If you have a complaint against Kanesto, please follow these steps. They do not take away any right you have to go to a court or to a regulator at any time.

Raise it through the Support page, with your Transaction Reference if it is about a payment. Kanesto aims to acknowledge it within 2 Business Days.
If you are not satisfied, ask for a second review by a different staff member, or write to legal@kanesto.africa.
If it is still not resolved, the parties should try to settle it by mediation.
If mediation does not settle it, either side may go to a court that has jurisdiction, or, if you and Kanesto both agree in writing, to arbitration under the Arbitration and Mediation Act 2023.

Either side may ask a court for urgent relief (for example an injunction) at any time. A consumer may also complain to the Federal Competition and Consumer Protection Commission.

23A. General

Severability. If part of these Terms is found unenforceable, the rest stays in force.
Entire agreement. These Terms, with the policies they refer to, are the whole agreement between you and Kanesto about the Platform.
No waiver. If Kanesto does not enforce a right straight away, it has not given the right up.
Assignment. You may not transfer your account or rights to someone else. Kanesto may transfer its rights and duties to a successor of its business, and will tell you if it does.
Notices. We may give you notice by email, in the Platform, or both. A notice sent by email is treated as received when it is sent to the address on your account, and a notice in the Platform when it is posted there. You can give us notice at the contact address below.
Other users' information. You must keep confidential, and use only for your transaction, any information about another user that you receive through the Platform, such as their contact details, documents or payment details.
Language. These Terms are in English. If they are translated, the English version applies.

24. Contact Information

Questions about these Terms can be sent to:

General/support: support@kanesto.africa
Legal: legal@kanesto.africa
Registered office: as recorded with the Corporate Affairs Commission (CAC)