Terms & Conditions

 TERMS & CONDITIONS

AB Narinorhs Properties & Promotions
Buy • Rent • Sell • Invest

Effective Date: 20 September 2026
Last Updated: 20 September 2026

Welcome to AB Narinorhs Properties & Promotions ("ABN", "we", "us", or "our").

These Terms & Conditions ("Terms") govern your use of the ABN website, property listings, property enquiry services, WhatsApp communications, website chat services, and Olawunmi, our AI Property & Land Sales Assistant.

By accessing our website, communicating with ABN, submitting an enquiry, or using Olawunmi, you agree to these Terms. If you do not agree with these Terms, please discontinue use of the relevant service.

 

1. ABOUT ABN

AB Narinorhs Properties & Promotions provides real-estate-related services and information, including:

• Land sales;
• Residential property sales;
• Property rentals;
• Commercial property;
• Offices;
• Shops;
• Property enquiries;
• Property marketing and promotion;
• Property investment information;
• Assistance connecting prospective buyers, tenants, sellers and other property stakeholders.

Our website is:

https://www.abnpromo.online/

Our contact email is:

abnarinohsrealty@gmail.com

 

2. ACCEPTANCE OF THESE TERMS

By using our website or services, you confirm that:

1. You have read these Terms;
2. You understand them;
3. You agree to comply with them;
4. Information you provide to ABN is accurate to the best of your knowledge;
5. You will not use our services for unlawful or fraudulent purposes.

If you are acting on behalf of another person or organisation, you confirm that you have appropriate authority to do so.

 

3. USE OF THE ABN WEBSITE

You may use our website for legitimate purposes, including:

• Viewing property information;
• Searching for properties;
• Making property enquiries;
• Contacting ABN;
• Communicating with Olawunmi;
• Requesting rental, purchase or sales information;
• Learning about ABN services.

You must not use the website to:

• Commit fraud;
• Misrepresent your identity;
• Attempt unauthorised access;
• Interfere with website operation;
• Introduce malicious software;
• Scrape or copy substantial website content without authorisation;
• Abuse communication systems;
• Send spam;
• Harass ABN staff, agents or other users;
• Use our services for unlawful activities.

 

4. OLAWUNMI AI ASSISTANT

Olawunmi is ABN's AI-powered property and land sales assistant.

Olawunmi may assist with:

• Land enquiries;
• Home enquiries;
• Office enquiries;
• Shop enquiries;
• Rental enquiries;
• Property buying enquiries;
• Property selling enquiries;
• Investment-related property questions;
• Property search requirements;
• General real-estate information;
• Lead qualification;
• Connecting customers with ABN's human representatives.

Olawunmi is an AI assistant, not a human estate agent, lawyer, surveyor, valuer, financial adviser or other professional adviser.

 

5. AI INFORMATION MAY NOT ALWAYS BE CURRENT

Although we aim to provide useful and accurate information, AI-generated responses may contain errors, omissions or outdated information.

Property information can change rapidly.

For example:

• A property may become unavailable;
• A price may change;
• A payment plan may change;
• A property feature may change;
• Documentation status may change;
• A development timeline may change;
• A promotion may expire.

Therefore, information provided by Olawunmi should be treated as preliminary information until confirmed by an authorized ABN representative.

 

6. PROPERTY AVAILABILITY

A property appearing on our website, social media, WhatsApp, chat service or other promotional material does not necessarily guarantee that the property remains available.

Availability may change without prior notice.

Before making any payment or entering into an agreement, you should confirm:

• Current availability;
• Current price;
• Plot size;
• Property location;
• Payment plan;
• Documentation;
• Title;
• Development status;
• Relevant conditions of sale or rental.

 

7. PROPERTY PRICES

Prices displayed or communicated by ABN may be subject to change.

Unless expressly stated in a valid written agreement or official transaction document, a price communicated through:

• Olawunmi;
• WhatsApp;
• Website chat;
• Social media;
• Property listings;
• Advertisements;
• Promotional materials

should not automatically be treated as a binding contractual offer.

A customer should confirm the current price before making payment.

 

8. PAYMENT PLANS

Where ABN advertises a payment plan, the applicable payment terms must be confirmed before payment.

A payment plan may specify:

• Initial payment;
• Instalment amount;
• Payment frequency;
• Duration;
• Balance;
• Applicable conditions;
• Allocation requirements.

Promotional phrases such as "Start Small Small with Chikini Moni" are marketing expressions and should not be interpreted as a guarantee that every property can be purchased with a particular deposit or payment amount.

 

9. PROPERTY DOCUMENTATION AND TITLE

Property documentation and title information should be independently verified before completing a transaction.

Depending on the property, documentation may include relevant:

• Titles;
• Deeds;
• Survey information;
• Allocation documents;
• Receipts;
• Development documentation;
• Planning or approval documents;
• Other transaction documents.

The exact documentation applicable to a property may vary.

Customers should conduct appropriate due diligence and may wish to obtain independent legal, surveying or professional advice before purchasing property.

 

10. PROPERTY VIEWING AND INSPECTION

Where property viewing is available, customers should inspect the property or arrange appropriate professional inspection before making a final purchasing or rental decision.

A property viewing does not itself constitute a completed transaction.

The customer remains responsible for conducting appropriate due diligence.

 

11. BUYING PROPERTY

If you decide to purchase a property promoted by ABN, additional transaction documentation may be required.

A purchase is not considered completed merely because a customer:

• Sends a WhatsApp message;
• Uses Olawunmi;
• Expresses interest;
• Requests a property;
• Receives a quotation;
• Views a property;
• Receives an advertisement.

The transaction becomes subject to the applicable agreement, payment requirements, documentation and other conditions communicated by ABN or the relevant property owner/developer.

 

12. RENTAL PROPERTY

Rental enquiries may involve additional requirements established by the landlord, property owner, agent or applicable transaction arrangement.

Before paying rent or related fees, customers should confirm:

• The identity and authority of the relevant party;
• Property availability;
• Rent;
• Tenancy duration;
• Applicable fees;
• Deposit requirements;
• Agency or service fees;
• Other applicable conditions.

 

13. SELLING PROPERTY THROUGH ABN

If you engage ABN to market or promote a property for sale, you confirm that the information you provide concerning the property is accurate to the best of your knowledge and that you have the necessary authority to instruct ABN.

You should notify ABN promptly if:

• The property is sold;
• The property becomes unavailable;
• The price changes;
• Ownership changes;
• Documentation changes;
• Any material information changes.

ABN may suspend or remove a listing where information appears inaccurate, misleading or outdated.

 

14. THIRD-PARTY PROPERTIES

Some properties promoted through ABN may involve:

• Property developers;
• Landowners;
• Land agents;
• Landlords;
• Sellers;
• Independent property professionals;
• Other third parties.

ABN may rely on information supplied by relevant property stakeholders.

Where appropriate, customers should verify material property information directly through the relevant authorised party and conduct independent due diligence.

 

15. NO GUARANTEE OF INVESTMENT RETURNS

Property investment involves financial and market risks.

ABN and Olawunmi do not guarantee:

• Capital appreciation;
• Rental income;
• Investment returns;
• Guaranteed profits;
• Guaranteed resale value;
• Guaranteed occupancy;
• Guaranteed development timelines;
• Guaranteed future market prices.

Past performance or historical property appreciation does not guarantee future results.

Property investment decisions should be based on appropriate due diligence and, where necessary, independent professional advice.

 

16. NO LEGAL OR FINANCIAL ADVICE

Information provided through ABN's website, WhatsApp, Olawunmi, advertisements or other communication channels is not intended to constitute:

• Legal advice;
• Financial advice;
• Investment advice;
• Tax advice;
• Surveying advice;
• Valuation advice.

Where a transaction requires professional advice, you should consult an appropriately qualified independent professional.

 

17. CUSTOMER RESPONSIBILITY

Customers are responsible for conducting reasonable due diligence before entering into a property transaction.

Depending on the transaction, this may include verifying:

• Property ownership;
• Title;
• Survey;
• Location;
• Boundaries;
• Planning status;
• Development status;
• Applicable restrictions;
• Payment requirements;
• Transaction documents;
• Identity and authority of relevant parties.

ABN may provide assistance, but customers should not rely solely on an AI response or advertisement when making a significant property decision.

 

18. TRANSACTION CONFIRMATION

Before making a payment, customers should obtain confirmation from an authorised ABN representative regarding:

• The property;
• Price;
• Payment instructions;
• Payment plan;
• Applicable fees;
• Transaction conditions.

Customers should use only payment instructions officially confirmed by ABN.

If you receive payment instructions through an unexpected personal account, suspicious message, third-party number or unofficial channel, verify them with ABN before transferring funds.

 

19. FRAUD PREVENTION

ABN does not authorise customers to provide:

• Banking passwords;
• ATM PINs;
• OTPs;
• Card PINs;
• Internet-banking credentials;
• Authentication codes

to Olawunmi or any ABN representative through ordinary chat.

If you receive a suspicious request claiming to be from ABN, verify the request through an official ABN communication channel before taking action.

 

20. WHATSAPP COMMUNICATION

ABN may use WhatsApp to communicate with customers.

WhatsApp is operated by Meta and is subject to its own terms and policies.

Customers acknowledge that communication through WhatsApp depends partly on third-party infrastructure and internet connectivity.

ABN is not responsible for interruptions caused by:

• WhatsApp;
• Meta;
• Internet providers;
• Telecommunications networks;
• Device problems;
• Third-party outages.

 

21. AI RESPONSE LIMITATIONS

Olawunmi uses automated AI technology.

AI-generated responses may occasionally:

• Misunderstand a question;
• Provide incomplete information;
• Misinterpret property requirements;
• Produce an incorrect response;
• Fail to recognise that information has changed;
• Require human verification.

If information is important to a transaction, you should request confirmation from an authorised ABN representative.

 

22. HUMAN ESCALATION

You may request to speak with an ABN human representative.

Olawunmi may also escalate a conversation where appropriate, including:

• Payment disputes;
• Refund requests;
• Complaints;
• Legal or documentation questions;
• Negotiations requiring authorisation;
• Unclear or unavailable information;
• Complex property enquiries;
• Customer requests for human assistance.

 

23. COMMUNICATION CONSENT

By voluntarily contacting ABN through WhatsApp, our website, forms or other communication channels, you authorise us to respond to the enquiry you initiated, subject to applicable law and our Privacy Policy.

Marketing communications may be subject to additional consent requirements.

You may request that ABN stop marketing communications.

 

24. INTELLECTUAL PROPERTY

Unless otherwise stated, content on the ABN website may be owned by or licensed to ABN.

This may include:

• Logos;
• Brand elements;
• Text;
• Graphics;
• Property descriptions;
• Website design;
• Images;
• Videos;
• Promotional materials;
• Software;
• AI assistant content and interface elements.

You may view and use website content for personal, non-commercial purposes in connection with legitimate property enquiries.

You may not reproduce, redistribute, modify, sell or commercially exploit substantial portions of our content without permission, except where permitted by law.

 

25. PROPERTY IMAGES AND RENDERINGS

Property images may include:

• Actual photographs;
• Illustrations;
• Architectural renders;
• Conceptual images;
• Marketing images;
• Aerial representations;
• AI-generated promotional imagery.

Where an image is conceptual or illustrative, it should not automatically be interpreted as an exact representation of the final property, development, environment or finished construction.

Customers should confirm actual property features before relying on promotional imagery.

 

26. WEBSITE AVAILABILITY

We aim to keep our website and digital services available, but we do not guarantee uninterrupted availability.

Services may occasionally be unavailable because of:

• Maintenance;
• Software updates;
• Security events;
• Hosting problems;
• Network outages;
• Third-party service interruptions;
• Technical failures;
• Circumstances outside our reasonable control.

 

27. THIRD-PARTY SERVICES

Our services may depend on third-party providers, including providers supporting:

• Website infrastructure;
• Cloud hosting;
• AI processing;
• WhatsApp;
• Meta services;
• Communication;
• Security;
• Analytics.

Third-party services may have their own terms and policies.

ABN is not responsible for independent actions, policies, outages or failures of third-party services.

 

28. PRIVACY

Your use of our website and services is also governed by our Privacy Policy.

Our Privacy Policy explains how we may collect, use, store and protect personal information.

You should read the Privacy Policy before using our digital services.

 

29. USER-GENERATED INFORMATION

If you submit information, property descriptions, photographs or other material to ABN, you confirm that you have the necessary rights or authorization to provide that material.

You must not submit material that:

• Infringes another person's rights;
• Is fraudulent;
• Is unlawful;
• Contains malicious software;
• Misrepresents property ownership;
• Contains information you are not authorized to disclose.

 

30. PROHIBITED ACTIVITIES

You must not use ABN services to:

• Commit fraud;
• Launder money;
• Facilitate unlawful transactions;
• Impersonate another person;
• Misrepresent ownership;
• Submit false property information;
• Harass staff or agents;
• Circumvent security;
• Attack our systems;
• Attempt unauthorised access;
• Interfere with service operation;
• Send malicious code;
• Abuse automated systems;
• Scrape or harvest customer information;
• Use our platform for unlawful purposes.

We reserve the right to restrict or terminate access where reasonably necessary to protect our services, users or business.

 

31. SUSPENSION OR TERMINATION

We may suspend or terminate access to certain services where:

• These Terms are violated;
• Fraud is suspected;
• Abuse is detected;
• Security is threatened;
• Required information is materially misleading;
• Continued access creates legal or operational risks.

Termination of access does not necessarily terminate obligations arising from an existing property transaction or agreement.

 

32. DISCLAIMERS

To the extent permitted by applicable law, ABN provides its website, AI assistant and general property information on an "as available" basis.

We do not guarantee that:

• Every property listing is always current;
• Every AI response is error-free;
• Every property is available;
• Every advertised price remains unchanged;
• Every third-party property representation is complete;
• The website will always be available;
• Communications will always be delivered immediately.

 

33. LIMITATION OF LIABILITY

To the extent permitted by applicable law, ABN will not be responsible for losses arising solely from a customer's reliance on unverified information provided through an AI-generated response, advertisement, preliminary enquiry or third-party communication.

This does not exclude or limit liability where doing so would be unlawful.

Nothing in these Terms is intended to remove rights or protections that cannot legally be excluded.

 

34. FORCE MAJEURE

ABN will not be responsible for delays or failures caused by circumstances outside our reasonable control, including:

• Natural disasters;
• Flooding;
• Fire;
• Telecommunications failures;
• Internet outages;
• Power interruptions;
• Government actions;
• Civil disturbances;
• Cybersecurity incidents;
• Third-party platform outages;
• WhatsApp or Meta service interruptions;
• Other circumstances beyond reasonable control.

 

35. CHANGES TO THESE TERMS

We may update these Terms from time to time.

Changes may be made because of:

• New services;
• Changes to Olawunmi;
• Changes to property services;
• Changes to technology;
• Changes to legal requirements;
• Changes to third-party platforms;
• Changes to our business operations.

The latest version will be published on our website with an updated Last Updated date.

 

36. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions will continue to operate to the extent permitted by applicable law.

 

37. NO WAIVER

If ABN does not immediately enforce a provision of these Terms, that does not mean ABN has permanently waived its right to enforce that provision.

 

38. ENTIRE AGREEMENT

These Terms, together with any applicable property-specific agreement, transaction document, quotation, payment-plan document and our Privacy Policy, form the applicable framework governing your use of ABN's digital services.

Where a specific written property agreement conflicts with general website information, the applicable signed transaction agreement may govern the relevant transaction.

 

39. GOVERNING LAW

These Terms are intended to operate in accordance with applicable laws and regulations of the Federal Republic of Nigeria, subject to the specific circumstances of a transaction and any mandatory legal requirements that apply.

Nothing in these Terms prevents a consumer or other party from exercising rights that cannot lawfully be excluded.

 

40. DISPUTE RESOLUTION

If you have a complaint or dispute concerning ABN's services, we encourage you to first contact us so that we can attempt to resolve the matter.

You may contact:

AB Narinorhs Properties & Promotions
Email: abnarinohsrealty@gmail.com

Where a dispute cannot be resolved informally, the parties may pursue any dispute-resolution mechanism or legal remedy available under applicable law.

 

41. CONTACT INFORMATION

For questions about these Terms:

AB Narinorhs Properties & Promotions

Email: abnarinohsrealty@gmail.com

Website: https://www.abnpromo.online/

Subject: Terms & Conditions Enquiry

 

42. ACKNOWLEDGEMENT

By using ABN's website, communicating with ABN through WhatsApp, submitting a property enquiry, or interacting with Olawunmi, you acknowledge that:

• You have had an opportunity to read these Terms;
• You understand that Olawunmi is an AI assistant;
• AI responses may require human verification;
• Property prices and availability may change;
• You should conduct appropriate due diligence before making a property transaction;
• Important transaction information should be confirmed with an authorised ABN representative;
• You should not provide passwords, PINs, OTPs or banking credentials through Olawunmi;
• Your use of our services is also subject to our Privacy Policy.