Privacy Policy

PLEASE READ THIS PRIVACY POLICY CAREFULLY. YOUR CONSENT TO THE TERMS OF THIS PRIVACY POLICY CREATES LEGAL OBLIGATIONS FOR YOU AND FOR US. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE REFRAIN FROM USING OUR SITE.

Privacy Right

Coreum Real Estate Solutions Limited (“Coreum”) is committed to maintaining your privacy. This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing, and protection of your personal information. It applies to the [www.coreumgroup.com and www.coreuminvestor.com] and all related sites, applications, mobile applications, services, and tools where this policy is referenced, regardless of how you access or use them. By using www.coreumgroup.com and www.coreuminvestor.com and its related sites, application, services and tools and/or registering for a Coreum account, you expressly consent to our collection, use, disclosure, and retention of your personal information as described in this Privacy Policy. We may amend this Privacy Policy at any time by posting the amended terms on this site. All amended terms automatically take effect 15 (fifteen) days after they are initially posted on the site.

No Anonymous Postings

We believe that the Website’s host best foster online discussions of substance by requiring that a user who posts information do so under his or her actual given name. Please keep in mind that we strongly discourage users from providing any other personal information in the Marketplace, accordingly, we ask that our users identify themselves in this manner in our Marketplace. If you object strongly to this practice, you may refrain from participating in the Marketplace and making use of the Website.

Scope

The procedures in this Policy cover all Personal Data (whether electronic or paper) which may relate to end-users about whom we hold information.

Who we are and what we do

Our website, located at www.coreumgroup.com and www.coreuminvestor.com (the “Platform,” “Website” or “Site”), provides online tools and a marketplace (the “Marketplace”) to assist individuals, companies, potential investors, and others who are interested or involved in the acquisition, investment, development, leasing, and financing of real estate and real estate projects (the “Services”). “Investors” means, collectively, (i) prospective investors – persons who propose to invest in the Marketplace and make use of the Services but have not been registered; (ii) qualifying Investors- persons who have registered to use the Website and have been granted access to the Marketplace; and (iii) existing investors – investors that are already making use of the Website’s Services. In addition to the Services, designed to facilitate exchanges and process transactions for interested Investors, we also offer a platform – that we call ["Rent Made Easy"] – that allows tenants restructure their rental payments, and Investors finance rental payments.

Collections

You can browse some parts of our Website without telling us who you are or revealing any personal information about yourself.  In order to be granted access to our Marketplace, however, you will need to register an account with us and/or fill a registration form.  Registration does not, however, guarantee access to the Marketplace and the Services.  If you register for an account with us, you agree to provide us with your personal information, and you are not anonymous to us.  If you choose to provide us with personal information, you consent to the transfer and storage of that information on our servers located in the www.coreuminvestor.com and Nigeria where our facilities are located.  Upon completion of our registration process, if confirmed, you will receive a user name and password, which will allow you to gain access to our Marketplace.

 

To qualify as an Investor on our Website and receive access to the Marketplace and participate in the Services, you first need to provide the required information required to set up a user-account.  This information may include identity verification, financial information or other similar information designed to authenticate and confirm your identity or to otherwise comply with Nigerian Law. 

 

When you visit our Website or use our applications, Services, or tools, we collect information sent to us by your computer, mobile phone, or other access device.  This information is not associated with you personally unless you sign in as a registered user.  We collect the following types of personal information in order to provide you with the use and access to our website, applications, services and tools:

 

  • email address, phone number, mobile telephone number, physical contact information, and (depending on the service used) sometimes financial information, such as credit card or bank account numbers;
  • transactional information based on your activities on the sites (such as pledging, buying, selling, item and content you generate or that relates to your account),  shipping, billing, and other information you provide to purchase or ship an item;
  • personal information you provide to us through community discussions, member information pages, correspondence, chats, dispute resolution, or shared by you from other social applications, services, or websites;
  • additional personal information we ask you to submit to authenticate yourself or if we believe you are violating site policies (for example, we may ask you to send us an ID or bill to verify your address, or to answer additional questions online to help verify your identity or ownership of an item);
  • other supplemental information obtained from third parties such as demographic and navigation data; and credit check information, and additional information about you from a credit bureau, as permitted by law; and
  • information from your interaction with our sites, services, content and advertising, including, but not limited to, device ID, device type, geo-location information, computer and connection information, statistics on page views, traffic to and from the sites, ad data, IP address and standard web log informat

Use

Our primary purpose in collecting personal information is to provide you with access to our Marketplace and our Services. By collecting your personal information we aim to provide you with a safe, smooth, efficient, and customised experience while using our Website. By using our Website, whether as a registered user or not, you agree that we may use your personal information to: • provide access to the Website, Marketplace and the Services and customer support you require and may specifically request; • resolve disputes, collect fees, and troubleshoot problems; • prevent, detect, and investigate potentially prohibited or illegal activities, and enforce all other related agreements on our Website; • customise, measure, and improve our Services, content, and advertising; • tell you about our Services and those of our corporate family, deliver targeted marketing, service updates, and promotional offers based on your communication preferences; and • compare information for accuracy, and verify it with third parties; • contact you at telephone numbers we have collected, by placing a voice call or through text (SMS) or email messaging for purposes of fulfilling our services; and • provide you other services requested by you as described when we collect the information.

Marketing

We do not sell or rent your personal information to unaffiliated third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalise our services, content and advertising. If you do not wish to receive marketing communications from us, you can indicate your communications preference in your Account Settings Page, or by direct communication to us..

If you access our sites from a shared computer or a computer in an Internet café, certain information about you, such as your User ID, activity, or reminders or notifications from Coreum, may also be visible to other individuals who use the computer after you.

Information you share

Your User ID is displayed throughout Coreum (and so, may be available to the public), and is connected to all of your Coreum activity. Other registered users can see your bids, purchases, feedback, ratings and associated comments and activity. So if you associate your name with your User ID, the people to whom you have revealed your name will be able to personally identify your Coreum activities. If you access our sites from a shared computer or a computer in an Internet café, certain information about you, such as your User ID, activity, or reminders or notifications from Coreum, may also be visible to other individuals who use the computer after you.

Cookies

We use "cookies" (small data files placed within your computing device) on certain of our pages to help analyse our web page flow; customise our services, content and advertising; measure promotional effectiveness, and promote trust and safety. A few important things you should know about our use of these technologies are: • We offer certain features that are available only through the use of cookies. • We use cookies to help identify you and maintain your signed-in status. • Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session. • You are always free to decline our cookies if your browser permits, although doing so may interfere with your use of some of our sites or services. • You may encounter cookies from third parties, known as service providers that we have allowed on our site that assist us with various aspects of our web site operations and services. • You also may encounter cookies from third parties on certain pages of the sites that we do not control and have not authorized. (For example, if you view a web page created by another user, there may be a cookie placed by that web page.).

Our Disclosure of your information.

We will, however, disclose personal information to respond to legal requirements, enforce our policies, respond to claims that a listing or other content violates the rights of others, or protect anyone’s rights, property, or safety. Such information will be disclosed in accordance with applicable laws and regulations.

 

We will also share your personal information with:

 

  • other Coreum affiliated or member companies – to provide joint content and services (like registration, transactions, and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, sites, applications, tools, services and communications;
  • service providers under contract who help with our business operations (such as, but not limited to, fraud investigations, bill collection, affiliate and rewards programs, site operations, and co-branded credit cards);
  • other third parties to whom you explicitly permit us to send your information (or about whom you are otherwise explicitly notified and give your consent to when using a specific service);
  • law enforcement, governmental agencies, or authorised third-parties, in response to a verified request relating to a criminal investigation or alleged illegal activity or any other activity that may expose us, you, or any other Coreum entity or user to legal liability. In such events, we will disclose information relevant and necessary to the investigation or inquiry, such as name, city, state, postcode, telephone number, email address, User ID history, IP address, fraud complaints, bidding and listing history, and anything else we may deem relevant to the investigation;
  • credit bureaus. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report; and
  • other business entities, should we plan to merge with or be acquired by that business entity.

Without limiting the above, in an effort to respect your privacy and our ability to keep the community free from bad actors, we will not otherwise disclose your personal information to law enforcement, other government officials, or other third parties without a subpoena, court order or substantially similar legal procedure, except when we believe in good faith that the disclosure of information is necessary to prevent imminent physical harm or financial loss or to report suspected illegal activity.

To qualify as an Investor on our Website and receive access to the Marketplace and participate in the Services, you first need to provide the required information required to set up a user-account.  This information may include identity verification, financial information or other similar information designed to authenticate and confirm your identity or to otherwise comply with Nigerian Law. 

When you visit our Website or use our applications, Services, or tools, we collect information sent to us by your computer, mobile phone, or other access device.  This information is not associated with you personally unless you sign in as a registered user.  We collect the following types of personal information in order to provide you with the use and access to our website, applications, services and tools:

  • email address, phone number, mobile telephone number, physical contact information, and (depending on the service used) sometimes financial information, such as credit card or bank account numbers;
  • transactional information based on your activities on the sites (such as pledging, buying, selling, item and content you generate or that relates to your account),  shipping, billing, and other information you provide to purchase or ship an item;
  • personal information you provide to us through community discussions, member information pages, correspondence, chats, dispute resolution, or shared by you from other social applications, services, or websites;
  • additional personal information we ask you to submit to authenticate yourself or if we believe you are violating site policies (for example, we may ask you to send us an ID or bill to verify your address, or to answer additional questions online to help verify your identity or ownership of an item);
  • other supplemental information obtained from third parties such as demographic and navigation data; and credit check information, and additional information about you from a credit bureau, as permitted by law; and
  • information from your interaction with our sites, services, content and advertising, including, but not limited to, device ID, device type, geo-location information, computer and connection information, statistics on page views, traffic to and from the sites, ad data, IP address and standard web log information

No Spam, Spyware or Spoofing

We and our users do not tolerate spam. Make sure to set your Coreum communication preferences so that we communicate with you as you prefer. To report Coreum-related spam or spoof emails to us, please forward the email to (info@coreumgroup.com). You may not use our communication tools to send spam or otherwise send content that would violate any of our agreements. We automatically scan and may manually filter messages to check for spam, viruses, phishing attacks, and other malicious activity or illegal or prohibited content, but we do not permanently store messages sent through these tools. If you send an email to an email address that is not registered in our community (via Refer-a-Friend or other tools), we do not permanently store that email or use that email address for any marketing purpose. We do not rent or sell these email addresses.

Accessing Reviewing and Changing Your Personal Information

Your password is the key to your account. Use unique numbers, letters, and special characters, and do not disclose your Coreum password to anyone. If you do decide to share your password or your personal information with others, remember that you are responsible for all actions taken in the name of your account. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason, you should immediately notify Coreum and change your password. You can see, review, and change most of your personal information by signing on the Coreum Website. Generally, we will not manually modify your personal information because it is very difficult to verify your identity remotely. You must promptly update your personal information yourself, if it changes or is inaccurate. Once you make a public posting, you may not be able to change or remove it. Upon your request, we will close your account and remove your personal information from view as soon as reasonably possible, based on your account activity and in accordance with applicable law. We do, however, retain personal information from closed accounts to comply with law, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, enforce all of our other agreements and take other actions otherwise permitted by law.
If you access our sites from a shared computer or a computer in an Internet café, certain information about you, such as your User ID, activity, or reminders or notifications from Coreum, may also be visible to other individuals who use the computer after you.

How we protect and Store Personal Information

Throughout this Policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user. We store and process your personal information on our computers in Nigeria and elsewhere in the world where our facilities are located. We protect your information using technical and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorisation controls. We take steps to ensure that the personal information that we collect is accurate and up to date, and we provide you with the opportunity to update your information through your account profile settings. We retain information as long as it is necessary and relevant for our operations. In addition, we may retain personal information from closed accounts to comply with the law, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigation, enforce all of our other agreements and take other actions permitted by law.

Third Parties

Except as otherwise expressly included in this Privacy Policy, this document addresses only the use and disclosure of information that we collect from you. If you disclose your information to others, whether they are Investors, buyers or sellers on our Website or other sites throughout the internet, different rules may apply to their use or disclosure of the information you provide to them. Coreum does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others.

International Users

Except as otherwise expressly included in this Privacy Policy, this document addresses only the use and disclosure of information that we collect from you. If you disclose your information to others, whether they are Investors, buyers or sellers on our Website or other sites throughout the internet, different rules may apply to their use or disclosure of the information you provide to them. Coreum does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others.

Contact us

If your questions are not answered online, you may contact us by sending us an email at [info@coreumgroup.com],

Coreum is a platform that gives everyone the opportunity to own real estate in fractions and benefit from rental returns and capital appreciation.

Contact Us

  • +234(0)1-453-7066
  • info@coreumgroup.com
  • Aliu Animashaun Street, Lekki, Lagos

Coreum Real Estate Solutions Limited is a Real Estate Company registered in compliance with the Company and Allied Matters Act with CAC Registration Number RC1503916. Coreum is a proptech platform managed by Coreum Real Estate Solutions Limited. The platform provides real estate investments to its users. All investments are held and managed under a trust deed between Coreum and FBNQuest Trustees, a member of the FBN Holdings, a SEC Regulated Entity.