D8 connects tenants and landlords and provides tools for rental discovery, tours, leases, payments and records. We do not own or inspect listed property, verify ownership, act as a real-estate agent for either party, hold money in escrow, or give legal advice. Users remain responsible for their information, checks, decisions and agreements.
1. Your agreement with us
These Terms of Use form a binding agreement between you and D8 LTD, operator of D8 (“D8”, “we”, “us”). By browsing as a guest, creating an account, accepting these terms or otherwise using D8, you confirm that you are at least 18, can enter a contract, and agree to these terms and the Privacy Notice.
Guest access is for browsing only. An account may browse before email verification, but verified email is required for protected actions such as messaging, tours, renting, listing and payment setup. If you act for a company or property owner, you confirm that you have authority to do so. If you do not agree, do not use D8.
D8 initially supports listings in Lagos and Ibadan. We may add or remove supported markets.
2. What D8 does and does not do
D8 supports property discovery, listings, communication, tours, rent requests, electronic leases, rent payment records, receipts, notices, sale advertising and reports.
D8:
- does not own, manage, inspect, survey, value or insure listed property;
- does not guarantee a user's authority, title, conduct, listing accuracy, availability, safety or legal compliance;
- is not a bank, escrow agent, estate surveyor, property lawyer or party to a property agreement;
- does not collect property purchase money, transfer title or verify property documents; and
- does not replace inspection, title searches, registry checks or professional advice.
Moderation, verification or dispute review is not a warranty or professional certification.
3. Accounts and accurate identity
You must provide current, accurate information, verify an email before protected actions, and keep your sign-in details private. You are responsible for activity through your account unless you promptly report unauthorised access. Do not share passwords or one-time codes, create an account for someone without authority, impersonate another person, or bypass a restriction.
Your lease-signing name must match the legal name saved in your profile. Name changes may be limited or delayed to protect record integrity and reduce impersonation. A later profile-name change does not rewrite an earlier receipt, lease or transaction snapshot.
Review active sessions and remove devices you no longer control. Notify support promptly if you suspect compromise.
4. Rules for listings
If you list property, you confirm that you are the owner or have clear authority to advertise and transact for it. You must provide truthful, current and sufficiently complete information about the property, unit, location, base rent, total move-in cost, fixed charges, condition, availability, restrictions and material defects you know about.
Rent covers the rental period shown on the listing. Rental card prices summarise that rent plus listed recurring charges. They are not the full amount due at move-in. A “From” price is the lowest available unit amount where prices differ. Review the selected unit and full price breakdown, including the rent due, one-time fees and separate D8 charge, before agreeing or paying.
Each charge must be a fixed amount and clearly state what it covers. Viewing, inspection and agency fees are not permitted. D8 does not currently support holding, part-payment or security deposits in its payment flow. A disclosed fixed caution fee may be listed where lawful.
For multi-unit property, each unit’s type, size, facilities, price, availability and terms must be accurate. You must update or remove a listing or unit when it is no longer available. You must have permission to publish every address, coordinate, photograph and personal detail submitted.
Changing an occupied rental to a sale advert does not end the tenancy or alter its signed lease. Sale advertising is a Premium feature when Premium is available.
You may not list property that is fictitious, unlawfully offered, subject to conflicting authority, intended to deceive, or prohibited by law. Map results and address suggestions can be incomplete; you remain responsible for selecting the correct location and describing it accurately.
4A. Recommendations and saved searches
D8 may order listings using selected preferences, normalized saved-search criteria, listing relevance, quality, freshness and activity within the service. Saved-search personalization is on by default and can be turned off in Property Settings.
Turning it off stops saved-search criteria from being used and deletes the saved-search criteria linked to the account. Ranking affects display order only. It is not a valuation, endorsement, guarantee of availability or decision about whether a user may rent, buy or list property.
5. Rent requests, sale enquiries and tours
A tour request, rent request or sale enquiry is not a completed tenancy or sale. A rent request may advance only under the lease and payment steps shown in the app. A sale advert only connects a buyer with an advertiser.
For new confirmed tours, D8 lets the landlord access a four-digit completion code specific to each booking. The tenant should enter it only after completing the tour. It becomes usable at the scheduled time and expires 24 hours later. Five incorrect attempts lock code entry for that booking; rescheduling does not reset the attempt limit. After a reschedule, use the code associated with the updated booking. Entering it records completion and unlocks the rent-request action; it is not proof that the property is safe, suitable or owned by the lister.
D8 may temporarily limit unresolved rent requests within the same multi-unit property. These controls manage conflicting requests and do not create an escrow, title reservation or property right.
D8 does not supervise tours. Confirm the meeting, visit in daylight where possible, tell someone where you are going and follow the Safety Tips.
6. Lease terms, signatures and notices
The lease is an agreement between the landlord and tenant. Landlords can write their terms or edit the template for Lagos or Oyo. D8 service charges are disclosed separately at checkout and governed by these platform terms.
Auto-filled property and unit details come from information entered in D8. Both parties must read the full lease, confirm the correct property and unit, check every fee and obtain legal advice where needed. Statutory rights and duties still apply.
For the current rent flow, the landlord reviews and draws a signature before accepting the request. After acceptance, the tenant reviews and draws a signature before payment. D8 may record the accepted text, version, signature drawing, confirmed name, consent, method, time and related audit information. Do not sign without authority. Keep a copy.
Changes to an occupied property's rent, recurring charges, duration or lease are future terms and do not amend the current signed lease. A duration change applies to every unit in that property but does not convert any unit's amount. A future lease update for a multi-unit property applies to every unit type. Future terms take effect only through a completed renewal, including the required signatures and payment.
An in-app notice preserves a communication record but may not satisfy every legal rule for form, service or notice period. The sender remains responsible for lawful service.
7. Rent payments and transfer instructions
Pay rent only through the instructions attached to the correct accepted D8 rent transaction. Check the property, unit, parties, amount, fees, reference and status. Do not use an account sent in chat or over a call.
Each rent payment currently includes a separate ₦5,000 D8 charge, shown before payment. It is not part of the landlord's rent or listed fees.
A landlord's payment-account name must contain the legal name saved on the D8 profile. The comparison permits reordered names and an additional bank-recorded name, but does not permit a different account holder. An independent provider and participating financial institutions process payments. D8 may display temporary transfer details, receive status updates and keep a receipt. A confirmed tenant payment and the landlord's bank settlement are separate stages, so a landlord may briefly see settlement pending after payment is confirmed. D8 does not hold funds as escrow and does not collect purchase money.
New rent approvals normally give the tenant one hour to review, sign and pay. Follow the deadline shown for your transaction, including any landlord-approved extension. Temporary payment details may expire sooner; generating them does not restart the payment window.
For newly generated payment instructions, the landlord’s share is limited to the agreed rent and listed fees. If the provider accepts an overpayment, the excess is allocated to D8 for manual refund review. It is not additional rent or an extra D8 service charge. Contact D8 Support with the transfer reference. A rejected transfer must be traced with the bank or payment provider; D8 cannot refund money it has not received.
Do not reuse expired instructions. For a late, duplicate, failed or delayed transfer, keep the bank reference and contact support. Outcomes depend on provider and financial-institution records, the parties' evidence and applicable law.
Users remain responsible for taxes, duties, registrations and professional fees. D8 will disclose any platform fee before the relevant action.
8. Transaction records and receipts
D8 may preserve snapshots of names, property and unit details, fees, lease text, signatures, payment references, consent records and status so that later profile or listing edits do not alter the historical record. You must not attempt to falsify, overwrite or manipulate them.
An in-app receipt records information available to D8. It is not a bank statement, title document, tax clearance certificate or guarantee that funds are finally settled. If records conflict, the payment provider and financial institution records may be required to establish fund movement.
Keep your own copies of documents and evidence important to you. The service is not your sole permanent archive.
9. Acceptable use
You must not:
- defraud, mislead, impersonate, harass, threaten, discriminate against or exploit another person;
- request viewing charges, fake deposits or payment to an unrelated or unauthorised account;
- publish unlawful, stolen, deceptive, infringing, obscene or dangerously misleading content;
- manipulate reviews, impressions, rankings, referrals, payment status or transaction records;
- scrape, copy at scale, probe, reverse engineer, disrupt or overload the service, except where law clearly permits;
- upload malware, obtain unauthorised access, test security without written authorisation or evade controls;
- use another user’s personal information outside the property purpose for which it was provided; or
- use D8 for money laundering, proceeds of crime, sanctions evasion or any unlawful activity.
Reviews and reports must be honest, relevant and based on a genuine experience or concern. Do not use a report as leverage in an unrelated disagreement.
10. Property and personal safety
Before committing, physically inspect the correct unit, confirm the lister’s identity and authority, review original documents with qualified professionals, check title and encumbrances with the appropriate registry, understand all charges and assess the neighbourhood and building.
No ranking position, map, receipt, support response or continued listing should be treated as proof of ownership, title, quality or safety. Report suspicious conduct from the relevant listing, user or transaction. If anyone is in immediate danger, contact local emergency services or law enforcement first.
11. Reports, disputes and platform review
Either party may privately open a transaction dispute or report a listing or user. Filing a dispute does not automatically notify the other party, though relevant information may later be shared where necessary to investigate fairly, obtain a response, comply with law or protect rights.
We may request documents, compare platform and provider records, preserve evidence, restrict an account, remove content, correct a platform status or refer a matter to a provider or authority. We do not act as a court, arbitral tribunal or title registry. Platform action does not determine every civil or criminal right between users, and we cannot guarantee recovery or enforcement.
Cooperate honestly, retain evidence and do not submit altered material. A knowingly false report may lead to restriction.
12. Your content and our intellectual property
You retain ownership of content you create. You give D8 a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, adapt for technical display, transmit and show that content only as reasonably needed to operate, secure, improve and promote the service and listings. For public listings, the licence continues while the content is live and for reasonable backup, legal and record-retention periods. Transaction and safety material may remain as described in the Privacy Notice.
You confirm that you have the rights and permissions required for your content. Do not upload another person’s private information or copyrighted material without authority.
The D8 name, logo, software, interface, original text and service design belong to D8 LTD or its licensors. These terms do not transfer those rights to you.
13. Third-party services and service availability
The service relies on cloud, payment, mapping, authentication, notification, network and device services. Google Maps supports address and map features. Map links may open another application governed by its own terms. Third-party outages, rules or decisions can affect these features.
We may maintain, improve, add, limit or remove features and may correct errors. We aim for reliable operation but do not promise uninterrupted, error-free or permanently available service. Where practical, we will give reasonable notice of a material change that adversely affects active transactions.
14. Responsibility, disclaimers and liability
Use reasonable care and make independent property decisions. To the extent permitted by law, D8 is provided on an “as available” basis without a guarantee about a listing, user, property, title, agreement, map, provider or transaction outcome.
Each user is responsible for their own acts, omissions, representations, property, agreement, taxes and compliance. D8 is not responsible for loss caused solely by another user, an unauthorised off-platform payment, undisclosed property condition, title defect, physical meeting or third-party outage that we could not reasonably control.
Nothing in these terms excludes or limits a right or remedy that cannot lawfully be excluded under the Federal Competition and Consumer Protection Act, the Nigeria Data Protection Act or other applicable law. Nor do these terms exclude liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence where the law prohibits exclusion.
Where liability may lawfully be limited, D8 is responsible only for direct loss that was reasonably foreseeable and caused by our breach. We are not liable for avoidable loss, loss caused by inaccurate information you supplied, or indirect business loss arising from consumer use. Any remedy will be assessed under the facts and applicable law rather than an artificially fixed token cap.
15. Suspension, account deletion and surviving records
You may stop using D8 and request account deletion in the app. Deletion anonymises the public profile and removes certain private convenience data, but does not necessarily remove transaction, payment, signed lease, dispute, audit, fraud-prevention or safety records needed for other parties, legal duties or claims. See Account Deletion.
We may warn, restrict, suspend or terminate an account or listing where reasonably necessary for safety, security, legal compliance, repeated complaints, unpaid platform obligations, misuse or breach. Where appropriate and lawful, we will explain the action and provide a way to contact support. We may act immediately where delay creates material risk.
Clauses that logically need to continue, such as record integrity, intellectual property, liability, dispute and legal provisions, survive termination.
16. Changes, governing law and complaints
We may update these terms for product, security, business or legal reasons. The effective date will change. We will provide reasonable notice of a material change where required. Continued use after the effective date constitutes acceptance, but changes will not silently rewrite a transaction or lease already accepted.
These terms are governed by the laws of the Federal Republic of Nigeria. First contact in-app support or legal@directhousing.app and provide the relevant account and transaction reference. We will try to resolve the issue fairly.
If it is not resolved, either party may use a competent Nigerian court or another dispute process agreed after the dispute arises. Nothing here prevents a consumer from approaching the Federal Competition and Consumer Protection Commission, the Nigeria Data Protection Commission, law enforcement or another competent authority, or from seeking urgent relief where available.
If a clause is unenforceable, it will be limited or removed only to the extent necessary and the remainder will continue. A failure to enforce a clause once is not a waiver. These terms, the Privacy Notice and transaction-specific terms shown in the app form the relevant agreement about the service.
17. Contact
D8 LTD
22 Armoured Brigade, Sobi Barracks
Ilorin, Kwara State, Nigeria
Email: legal@directhousing.app
Phone: +234 708 637 1762