Terms of Use

1. Introduction

These Terms of Use (“Terms”) govern your access to and use of the Havlo website, platform, and related services (collectively, the “Platform”). By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not use the Platform.

2. About Havlo

Havlo is a platform that helps individuals buy property abroad by providing information, guidance, and facilitation services.Havlo operates under different registered entities:

• Registered in England and Wales as Sprint Technologies

• Registered in Nigeria as Cecigene Ltd

3. Scope of Services

Havlo provides general information and support related to purchasing property outside a user’s country of residence. This may include:

• Educational content about buying property abroad

• Guidance based on user-stated goals (e.g. investment or second home)

• Introductions to third-party professionals or service providers

4. No Professional Advice

All information provided through the Platform is for general informational purposes only. Nothing on the Platform constitutes legal, financial, tax, or investment advice. You are solely responsible for obtaining independent professional advice before making any property-related decisions.

5. User Responsibilities

By using the Platform, you agree to:

• Provide accurate and truthful information

• Use the Platform only for lawful purposes

• Not misuse, copy, or attempt to reverse engineer any part of the Platform

• Not rely solely on Havlo for final decision-making

6. Third-Party Services

Havlo may connect you with third-party service providers, professionals, or partners. Havlo is not responsible for:

• The quality, accuracy, or outcome of third-party services

• Any agreements entered into between you and third parties

• Any loss or damage arising from third-party actions or omissions

7. Intellectual Property

All content on the Platform, including text, branding, logos, and design, is owned by or licensed to Havlo. You may not copy, reproduce, distribute, or exploit any content without prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Havlo shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from:

• Use of or reliance on the Platform

• Property purchases or related decisions

• Inaccuracies, omissions, or changes in foreign property laws

• Actions or services of third parties

9. Availability and Changes

Havlo may modify, suspend, or discontinue any part of the Platform at any time without notice. We may also update these Terms from time to time. Continued use of the Platform constitutes acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of United Kingdom, without regard to conflict of law principles.

11. Contact

For questions regarding these Terms, please contact Havlo through the official communication channels listed on the Platform.