Privacy Policy

Last updated: December 30, 2025

Introduction

HOVMART TECHNOLOGIES LIMITED (“Hovmart”, “we”, “our”, or “us”) values your privacy and the security of the information you share with us. This Privacy Policy explains how we collect, use, store, disclose, and protect personal data obtained from you in connection with your use of our website, mobile applications, APIs, and other related platforms (collectively, “the Platform”).

By accessing or using our Platform, you consent to the collection and processing of your personal data in accordance with this Policy and the applicable data protection laws of the Federal Republic of Nigeria, including the Nigeria Data Protection Act, 2023 (NDPA), the Nigeria Data Protection Regulation (NDPR) 2019, and the Money Laundering (Prevention and Prohibition) Act, 2022.

Our Platform and services are not directed to minors under the age of 18 years. We do not knowingly collect information from minors. If, as a parent or guardian, you become aware that a child under your supervision has provided personal data without consent, please notify us immediately using the contact details provided in this Policy.

1. Information We Collect

When you interact with the Hovmart Platform, we collect three categories of data: information you provide, information collected automatically, and information obtained from third parties.

Information You Provide

  • Full name, contact details (email, phone, address)
  • Identity verification details (NIN, BVN, passport, driver’s licence, voter’s card)
  • Business registration data (CAC certificate, TIN, directors/shareholders info)
  • Financial and payment details
  • Property information including ownership or tenancy documents, location data, transaction references
  • Communications and correspondence with Hovmart

Information Collected Automatically

  • IP address, browser type, device identifier, OS version
  • Location data (GPS-enabled or browser settings)
  • Platform usage data (date/time of access, clicks, referrals, search history)
  • Cookies and analytics data

Information from Third Parties

  • Financial institutions and payment processors
  • Credit bureaus, regulatory agencies, or risk intelligence providers
  • Public databases or government registries
  • Verified third-party partners acting on your authorization
  • Where required, we rely on external verification (including KYC, AML, or property ownership checks) to validate your identity and ensure regulatory compliance

2. How We Use Your Information

  • Facilitate property transactions (purchase, lease, rentals)
  • Process escrow payments and secure fund transfers
  • Conduct identity verification, due diligence, AML/CFT compliance
  • Manage account registration and user profile
  • Provide customer service and resolve disputes
  • Send legal notifications, service updates, and marketing communications
  • Improve services, security, and user experience
  • Prevent fraudulent, illegal, or unauthorized activities
  • Comply with NDPA, CBN Consumer Protection, FCCPC Guidelines, and other laws

3. Sharing Your Information

We may share your data only as necessary for legitimate business, contractual, or legal reasons:

Affiliates and Subsidiaries

For operational purposes within Hovmart.

Financial Institutions & Escrow Partners

To process and settle transactions.

Regulatory & Law Enforcement Agencies

When disclosure is required by law (NFIU, CBN, EFCC, NDPC).

Professional Advisors & Service Providers

Such as auditors, IT providers, compliance consultants bound by confidentiality.

Business Partners

Partners involved in verified property listings and transactions.

4. Data Security

  • SSL encryption for data in transit
  • AES-256 encryption for stored data
  • Firewalls, intrusion detection, malware scanning
  • Multi-factor authentication for admin access
  • Regular penetration testing and vulnerability assessments
  • Employee training on data protection practices

5. Cookies & Tracking

  • Essential cookies – required for basic platform functionality
  • Analytics cookies – to measure site performance
  • Preference cookies – remember your settings and preferences
  • Marketing cookies – to show relevant advertisements

You can control cookie settings through your browser preferences.

6. Your Rights

You have several rights regarding your personal information:

  • Access and update account information
  • Request data portability in a machine-readable format
  • Request deletion of your account and data (subject to legal retention)
  • Opt out of marketing communications

7. International Transfers

Your data may be transferred to countries outside Nigeria. We ensure safeguards are in place to protect your information.

8. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with the "Last updated" date.