Anti-fraud statement

We operate within the anti-money-laundering and counter- financing-of-terrorism (AML/CFT) regime set by:

• Economic and Financial Crimes Commission (Establishment) Act 2004: establishes the Economic and Financial Crimes Commission (EFCC) as the principal agency investigating financial crime in Nigeria.
• Money Laundering (Prevention and Prohibition) Act 2022 (MLPPA): imposes customer due diligence, record-keeping, and suspicious-activity-reporting obligations on designated non-financial businesses and professions, a category that includes real-estate operators.
• Nigerian Financial Intelligence Unit (NFIU) regulations: specifies the manner and thresholds for Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs).
• Nigeria Data Protection Act 2023: limits our collection and processing of personal data to what is necessary for the AML/CFT objective, and defines the retention periods we observe.

Identity is never collected at signup, when listing or when enquiring. What we hold depends on what the user chooses to do:

• Sellers and agents: identity verification is optional and lives on the dashboard. A seller may upload an international passport, driver’s licence, voter’s card, CAC certificate or agent licence with its number; a member of the Land and More team reviews the image. The number is stored as a hash and its last four characters, never in full. A listing can be published without it, at Tier 0, Not yet checked.
• Buyers: no identity document at signup, and none is asked for when a buyer messages a seller or requests an inspection. Before our team sends document copies, it may ask the buyer to confirm who they are.

Every listing is reviewed by a member of the Land and More team before it appears publicly. Identity verification is optional for sellers: a listing can be published at Tier 0, and its Not yet checked badge then says plainly that no check has been done. A listing is approved above Tier 0 only after a member of the team has reviewed an identity document the seller submitted. The full tier ladder, ID, Documents, Site, Title, is described on our Verification page and in our Disclaimer.

If a report to us, or our team’s own review, turns up a serious problem with a listing, an admin unpublishes the listing and it leaves the site. A person makes that decision, not software. We do not leave a warning on a live listing instead.

Where we form a reasonable suspicion that a transaction or attempted transaction is linked to the proceeds of crime, terrorism financing, or other predicate offences under Nigerian law, we file a Suspicious Transaction Report (STR) with the Nigerian Financial Intelligence Unit (NFIU) in the manner and within the timeframes required by the MLPPA 2022 and NFIU regulations. We do not tip off the subject of an STR, and we rely on the statutory safe-harbour provided under the MLPPA for good-faith reporting.

We respond to lawful requests from Nigerian authorities, including the EFCC, the Nigeria Police Force, and the NFIU, as well as orders from courts of competent jurisdiction. Requests are logged, reviewed by a member of the Land and More team, and responded to within the window specified in the request or the shortest reasonable period thereafter.

Where an investigation or court order requires, we disclose account information, listing history, verification artefacts, and transaction records in accordance with the NDPA exemptions for legal obligation and legitimate interest.

Fraud-resistant behaviour starts with the buyer:

• Read the tier badge before you enquire. A Not yet checked badge means no check has been done on the seller or the property.
• Never pay anyone to send an enquiry or an inspection request: Land and More takes no payment for either. For a check through Verify a property, we email you a link to your quote and confirm how to pay before any work starts.
• Before any high-value commitment, have a land registry search run. You can ask us to arrange one, where the state allows it, through Verify a property.
• Obtain independent Nigerian legal counsel. Your lawyer is your first line of defence, and nothing on this Platform replaces your lawyer’s advice.
• Verify title and survey documents with the original issuing authority (State Lands Bureau, FCDA, or the relevant local government authority) before closing.

To report a concern about a specific listing, open the listing and choose Tell us under its Verification section: the form that opens carries the listing’s Plot ID. A Plot ID looks like LAM-26-LG-00002. For any other concern, write to us through the contact form. Describe the issue briefly and mention any documents or messages that show it.

For matters that may constitute a criminal offence, you may also (or instead) report directly to the EFCC at report.efcc.gov.ng or to the Nigeria Police Force. We cooperate with any subsequent investigation on receipt of a lawful request.

KYC records, transaction records, verification artefacts, and correspondence related to suspicious activity are retained for a minimum of five years from the date of the transaction or the date the account is closed, whichever is later. This retention period reflects the minimum required under the MLPPA 2022 and related AML/CFT regulations, and cannot be shortened by an individual data-subject request. Retention beyond five years applies where an investigation, court order, or specific statutory requirement extends it.