Privacy Policy

This Privacy Policy describes how Felhomes ("we", "us", "our") collects, uses, stores, and protects your personal information when you use the Felhomes mobile application and related services ("Felhomes" or "the Service"). Felhomes is a real-estate and financial technology platform operated by Felhomes Limited in Nigeria.

By creating an account or using the Service, you agree to this Privacy Policy.

Information you give us directly

When you register and use Felhomes, you provide:

• Account details — full name, email, phone number, password (stored encrypted)
• Identity verification — government-issued ID and selfie photos for KYC
• Payment details — bank account number, account name, bank name for withdrawals
• Sponsor / referral code — the code of the person who referred you
• Property information — photos, location, price, description, specifications
• Build project details — project descriptions, land documents, site photos, budgets
• Beneficiary details — for Build for Future legacy plans
• Transactional details — purchases, leases, rentals, inspections, IOU applications, investments, marketplace orders, withdrawal requests

Information collected automatically

• Device information — device model, operating system, language, IP address
• Usage data — features accessed, screens viewed, crash reports
• Wallet activity — credits, debits, balance changes, transaction history

Information from third parties

• Monnify — transaction reference and status from payments (we do not store full card details)
• Firebase Authentication — Google authentication service handles your login credentials

We use your information to:

• Create and manage your Felhomes account
• Process the ₦10,000 registration fee and credit the appropriate sponsor commission
• Verify your identity (KYC) for legal compliance and to process withdrawals
• Process property purchases, lease and rental requests, IOU applications, investments, and marketplace orders
• Move money in your wallet: credit funding, debit payments, credit referral commissions and earnings
• Process withdrawal requests to your registered bank account
• Match buyers with sellers and customers with vendors
• Send transactional notifications and account updates
• Detect, prevent, and respond to fraud, abuse, and policy violations
• Comply with Nigerian financial regulations (CBN, NDPA, NFIU, EFCC where applicable)
• Improve the Service through analytics and crash reports

We do not sell your personal information to advertisers or third parties.

Under the Nigeria Data Protection Act (NDPA) 2023, we process your data on the following bases:

• Contract — to deliver the services you signed up for
• Legitimate interest — to operate the platform securely and prevent fraud
• Legal obligation — to comply with financial regulations and law enforcement requests
• Consent — for optional features such as marketing communications (opt-out available)

We share information only as needed and only with:

• Other Felhomes users — your name, public referral code, and properties you list publicly are visible. Wallet balance, transactions, bank accounts, and KYC documents are never shared with other users.
• Sponsors and referrers — people who referred you can see that you signed up; they receive ₦3,000 on registration and 5% on property purchases.
• Service providers — Firebase (Google) for auth, database, and storage; Monnify for payments. Each is bound by their own privacy obligations.
• Law enforcement and regulators — when legally required (court orders, NFIU reports, CBN audits, tax authority requests).
• Business transfers — if Felhomes is acquired or merges, your data may transfer to the new entity, subject to the same protections in this policy.

• Data is stored on Google Firebase servers with industry-standard encryption at rest and in transit
• Passwords are never stored in plain text — they are hashed by Firebase Authentication
• Card details are handled exclusively by Monnify (PCI-DSS compliant). We never see or store your full card number.
• We retain data for as long as your account is active, plus up to 7 years after closure for legal, tax, and anti-money-laundering compliance

No system is perfectly secure. While we take reasonable steps to protect your data, we cannot guarantee absolute security. Use a strong password and never share it.

Under the NDPA, you have the right to:

• Access — request a copy of the personal data we hold about you
• Correct — fix inaccurate or incomplete information
• Delete — request deletion of your account (subject to legal retention requirements)
• Object — to certain types of processing
• Withdraw consent — for any consent-based processing
• Lodge a complaint — with the Nigeria Data Protection Commission (NDPC)

To exercise these rights, email support@felhomes.com. We will respond within 30 days.

To delete your account: open the Felhomes app, go to Profile, then Settings, then Delete Account. Some data (transaction records, KYC documents) is retained for the legal retention period and then permanently deleted.

Felhomes is not intended for anyone under 18. We do not knowingly collect data from minors. If you believe a child has provided us their information, contact us and we will delete it promptly.

Some service providers (Google Firebase) may store data on servers outside Nigeria. We rely on the contractual protections those providers offer, including compliance with major data protection frameworks, and take reasonable steps to ensure your data remains protected.

The Felhomes mobile app does not use cookies. We collect basic device and usage analytics through Firebase to improve the Service. You can disable analytics collection in your device settings.

We may update this policy from time to time. When we do, we update the "Last updated" date and notify users through the app or by email if the changes are significant. Continued use after changes means you accept the updated policy.

Questions, requests, or complaints?

You may also contact the Nigeria Data Protection Commission: ndpc.gov.ng