Refund Policy

1. Overview

At Lion of Judah Real Estate, we are committed to fair and transparent dealings with all our clients. This Refund Policy outlines the conditions under which a refund may be considered, the amount applicable, and the circumstances under which no refund shall be granted.

By engaging in any transaction with Lion of Judah Real Estate — whether through outright purchase or a payment subscription plan — you acknowledge that you have read, understood, and agreed to the terms set out in this policy.

2. Conditions for a Refund

A refund will only be considered where Lion of Judah Real Estate, at its sole discretion and upon thorough review, determines that a client is legitimately entitled to a refund based on the terms and conditions governing the specific sale or transaction in question.

Where such entitlement is confirmed, Lion of Judah Real Estate shall refund 20% (twenty percent) of the total amount deposited by the client. This figure reflects administrative costs, processing fees, and costs incurred in reserving or processing the property on behalf of the client.

3. Non-Refundable Transactions — Completed Sales

No refund shall be applicable in any case where:

• The property has been fully purchased and the relevant sale documents have been duly signed by both parties.
• There is no dispute or challenge regarding the ownership or legitimacy of the transaction.
• The property has no defect in its root of title — meaning all title documents are valid, traceable, and legally sound.
• There is no impediment to the transfer of ownership to the buyer — i.e., no encumbrance, court order, adverse claim, or legal restriction affecting the title.

In such cases, the transaction is considered complete and binding. No claim for a refund shall be entertained solely on the grounds of a change of mind, personal circumstances, or any factor unrelated to the validity of the title or the terms of the sale.

4. Subscription / Installment Payment Plans — Strictly Non-Refundable

For properties being acquired through a subscription or installment payment plan, all amounts paid to date under the plan are strictly and unconditionally non-refundable, regardless of the stage of payment, the number of instalments made, or the reason given for discontinuation.

By entering into a subscription or payment plan arrangement with Lion of Judah Real Estate, the client expressly acknowledges and agrees that:

• Each instalment payment made under the plan is a commitment payment toward the acquisition of the property and is non-reversible upon payment.
• No refund shall be granted on the basis of a change of mind, change of financial circumstances, personal emergencies, relocation, or any other personal reason whatsoever.
• A client's failure or inability to continue making payments under the plan does not entitle them to a refund of any amounts already paid.
• Any informal communication — whether verbal, by phone, or via messaging platforms — expressing a desire for a refund does not constitute a valid refund request and shall not trigger any obligation on the part of Lion of Judah Real Estate.
• Lion of Judah Real Estate is under no obligation to respond to or process refund requests that do not meet the conditions stated in Section 2 of this policy.

Clients on a payment plan who are experiencing difficulties are encouraged to reach out to our team in writing to explore available options, which may include plan restructuring or a transfer of the subscription to another individual, subject to approval at the sole discretion of Lion of Judah Real Estate. The availability of such options is not guaranteed and does not in any way constitute or imply a right to a refund.

5. Refund Request Procedure

Where a client believes they are entitled to a refund under Section 2 of this policy, the following procedure must be strictly followed. Failure to comply with this procedure will result in the request being disregarded:

1. The client must submit a formal written refund request addressed to Lion of Judah Real Estate via email or by physical letter. Verbal requests, WhatsApp messages, or social media communications will not be accepted.
2. The written request must include: the client's full legal name, contact details, transaction reference or property details, the reason for the refund request, and any supporting documentation.
3. Lion of Judah Real Estate will acknowledge receipt of the request and will conduct an internal review. The review period may vary depending on the complexity of the case and the documents involved. No timeline is guaranteed for the review process.
4. If the request is approved, Lion of Judah Real Estate reserves the right to request additional documentation before processing the refund.
5. Upon final approval, the eligible refund amount (20% of the deposited sum) will be processed and disbursed to the client within 10 to 14 business days from the date of written approval notification. This timeline excludes public holidays and weekends.
6. Refunds will be paid via bank transfer to a Nigerian bank account in the client's name. Lion of Judah Real Estate shall not be liable for delays caused by the client's failure to provide accurate banking details.

Lion of Judah Real Estate reserves the right to decline any refund request that does not meet the conditions stipulated in this policy, without obligation to provide detailed reasons for such a decision.

6. Governing Law

This Refund Policy is governed by the laws of the Federal Republic of Nigeria. Any dispute arising from or in connection with this policy shall be subject to the jurisdiction of competent Nigerian courts.

7. Contact Us

If you have questions about this Refund Policy or wish to submit a refund request, please contact us: