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The terms below are designed to serve as a guide to any user of our website(s). They outline the conditions that must be complied with by any user of this Site and forms a legally binding agreement between Property Investor Africa (PiA) and the third party (“service User”). Whenever you use our services, you confirm that you agree to be bound by our Terms and acknowledge any changes to them.
We may from time to time, change, amend or alter some parts or whole of the Terms and conditions, which will be made effective, immediately. Once these are done, they will be posted on our website for the information of all users.

If you fail to agree these Terms and conditions, please do not use our website or any of our affiliate sites.

These Terms include our Private Policy (, policies and procedures published from time to time on the Site.

1.0 Security offerings: No professional advice provided
1.10 Investment overviews on the Site contain summaries of the purpose and principal business terms of the investment opportunities. Such summaries are intended for informational purposes only and do not purport to be complete, and each is qualified in its entirety by reference to the more detailed discussions contained in the investor document package relating to such investment opportunity. The information contained in the Website has been prepared by Realty Mogul without reference to any particular user's investment requirements or financial situation, and potential investors are encouraged to consult with professional tax, legal and financial advisors before making any investment.

2.0 The Terms
2.1 Eligibility

Our services are available to all individuals who are 18 years old and above, who can be the subject of a contractual agreement with a third party. PiA may, using its discretion, decline to offer services to any service user or may decide at any time to change its criteria for service provision without recourse to any individual.

2.2 Accessibility

This Site is available to all users as per 1.1(above). However, PiA reserves the right to modify, replace, change, suspend or in fact, discontinue its services by mass announcement at the Site or through individual contact details. PiA also reserves the right to restrict, delete or deny access to individuals or service users who blatantly disregard our Terms of Use, either through the production, replication or introduction of any material, content or activity that is deemed as being contrary to the principles, values and ethos upon which this Site is formed.

A Service User may browse the Site without necessarily registering their personal details. However, as a condition of usage by individuals wishing to use the Site as a platform for business conduct in the raising of finance, etc, it is a condition of the Terms of Use to register with PiA and select a screen name and password. Failure to provide complete, accurate and updated information shall constitute a breach of the Terms of Use, which will result in the instant termination of the individual or company’s account.

3.0 Rules of Conduct
All entrepreneurs, project owners, investors, donors and project backers are responsible for their own activity in relation to these services. For this reason, PiA is in no way, manner, form or shape, responsible for user submissions, videos, audio clips, written forum comments, information, data, text, photographs, software, scripts, graphics and interactive features generated, provided or otherwise made accessible by PiA or any of its partners on or through the services provided.
By using the Site, you promise to abide by all Terms of Use and not to use the Site for any purpose that is prohibited by the Terms of Use. For the avoidance of doubt, PiA does not encourage and will do anything possible to ensure that materials and information posted on the Site are genuine, authentic and original from the source. Service users are not permitted to:

i)infringe any patent, trademark, trade secret, copyright, right of publicity or other right of any other person or entity or violates any law or contractual duty;

ii)submit information that they knowingly are aware to be false, misleading, untruthful or inaccurate;

iii)submit material or information that is unlawful, threatening, abusive, harassing, defamatory, slanderous, deceptive, fraudulent, invasive of another person’s privacy, etc.

iv)Submit unsolicited or unauthorized advertisement or promotional material or any material deemed to be spam, junk or virus-prone which has the effect of disrupting, damaging, limiting or interfering in the use of information and contents on the Site.

4.0 Guarantee of Site content
PiA does not guarantee that any content or submissions made by any service user(s) will be made available. PiA is not obliged to monitor the Site, its contents and User submissions, although, for the sake of integrity of information, we reserve the right to edit, delete, remove or modify any content at our sole discretion, without recourse to the service user.

5.0 Investment in Projects and Businesses
5.1 Fundraising
PiA is a borderless way of bringing entrepreneurs, investors, sponsors and their backers together, on one single global platform. PiA allows entrepreneurs and sponsors to list their projects, with the aim of raising “seed/growth/equity” finance. It is the policy of PiA not to receive, hold or keep any investment monies intended for project owners. All pledges are not redeemed until the target limit is reached. As such, PiA does not hold any funds of investors.

PiA will not become liable for any transactions, dealings and or interactions with any organizations and/or individuals found on or through our services. This includes, but is not limited to, the delivery of goods and services, and any other terms, conditions, warranties or representations associated with listings on PiA or any of its affiliate websites. As a platform for entrepreneurs and investors, our involvement is limited to the provision of the Site for interaction and we are under no obligation to resolve disputes between any parties. However, all parties seeking funding must comply with the Terms of use associated with listing on the Site. PiA reserves the right to cancel an organization’s listing if it is found to be in contravention with the Terms and conditions of use.

As a result of the occasional failure of some credit cards, PiA cannot guarantee the full receipt of the targeted amount. Companies and organizations may initiate refunds at their own discretion. PiA does not issue refunds nor is it responsible for doing so(for pledges redeemed by these companies and organizations).

6. Fees, Payments and Refunds
6.1 PiA does not charge fees from investors for investing in a project or company.
6.2 All business enterprises seeking to raise finance are charged an application fee of $250 for listing on the Site.

6.3 Funds on PiA and its affiliate websites are initially pledged and are not collected by projects entrepreneurs until they have reached their funding goal.

6.4 Pledges are collected and funds processed and transferred within 14 days, to the project creator’s bank accounts.

6.5 Unsuccessful deals, i.e. deals that do not meet their funding goal within the deadlines set will be cancelled and no pledges will be collected. However, deals that meet at least 90% of their funding goal will have their pledges redeemed. For deals that do not reach a full 100% of their target funding goal, a fee of 9.5% (including credit card charges) will apply on funding redeemed.

6.7 For deals with 100% or more pledges, a fee of 7.5% of the total funding received is charged. This includes the cost of credit card transactions, etc.

7.0 Third Party Services
7.1 PiA also provides advisory and property related services. We do also work with associates and third parties. However, our associates and partners may charge fees for their services. When you use a service that has a fee, you have an opportunity to review and accept the fees that you will be charged, which we may change from time to time.
You are responsible for paying all fees and applicable taxes associated with your use of the site. In the event a listing is removed from the service for violating the Terms of Use, all fees paid will be non-refundable, unless in its sole discretion, PiA determines that a refund is appropriate.

7.2 Where ever PiA permits you to link to other websites or resources on the internet, you do so at your own risk. PiA will not be liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. At the same time, PiA will not and cannot be held liable, directly or indirectly, for any damage or loss caused.

8. Content and License
All users must, to all intents and purposes, agree that the services provided by PiA and its partner companies are protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service.
PiA grants each user of the Site and/or Service a worldwide, non-exclusive, and non-transferable license to use, modify and reproduce the content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any content for other than personal, non-commercial use is expressly prohibited without prior written permission from Company, or from the copyright holder identified in such content's copyright notice, which may not be unreasonably withheld. You shall not sell, license, rent, or otherwise use or exploit any content for commercial use or in any way that violates any third party right.

9. Copyright Notifications
PiA respects the intellectual property of its original owners. The same is expected of others of our intellectual property rights. PiA may, in appropriate circumstances and at its discretion, terminate the accounts of users who infringe the intellectual property rights of others. PiA owns and holds the intellectual property rights in this Site, including all materials published on it.
All service users are prohibited from making copies either electronically or by printing, downloading or otherwise, any part of the Site, unless they have the express authority of PiA. A breach of this rule will result in cessation of your rights to use our Site.

10. Warranty Disclaimer
PiA does not, in any way, form or shape, set itself out in a special relationship with you or any company in relation to the provision of services. We only have control over materials and contents provided by the Site; we bear no responsibility for third party information, content or materials provided on the site.
For these reasons, we do not provide any guarantees, conditions or warranties with regards to the accuracy or otherwise of these materials. We expressly exclude:

i) All conditions, warranties and terms, either implied by statue, common law or other;

ii) All liabilities emanating from use of the Site and resulting in direct, indirect, or consequential loss or damage to the user or third parties for loss of income or revenue, business, profits or contracts, data , goodwill, etc.

11.0 Limitation on Liability
11.1 Except in jurisdictions where provisions are restricted and except as may be required by applicable security laws, in no event will PiA or its directors, officers, shareholders, partners, employees or representatives be liable to you or any third party for any indirect, consequential , exemplary, incidental, special or punitive damages, including for any lost profits or lost data arising from your use of the site of the or the service or any of the site content or other materials on or accessed through the site, even if the company is aware of has been advised of the possibility of such damages.
11.2 Notwithstanding anything to the contrary contained herein, except as may be required by applicable securities law or other laws, you shall be limited to injunctive relief only, and shall not be entitled to damages of any kind from any PiA or its directors, employees, officers, shareholders, partners f representatives, regardless of the cause of action.

12. Policy on Computer Misuse
All users of our Site must not misuse it by knowingly introducing or causing other third parties to introduce harmful materials such as viruses to cause disruption or halt the services provided by PiA.
All unauthorised access to prohibited sites or access to information/data forbidden by users and third parties shall be deemed as a criminal offence under the Computer Misuse Act 1990. Any such breach may lead to prosecution by the authorities involved.

13. Privacy Policy
All users of PiA’s wesbsites consent to their personal information being processed by PiA.Our Privacy policy can be found under

14. International
PiA is a worldwide platform dedicated to projects and companies in Africa. The Site can be accessed from anywhere in the world. However, local laws in the user’s country applies and must be respected.

Property Investor Africa (PiA) or its affiliate sites do take this policy seriously. The security of your personal information is very important to us. As such, we have taken and will continue to take all necessary steps to ensure the protection of your personal information.
This policy contains the basis on which personal data you provide to us or we collect from you will be processed. You are strongly advised to read them carefully prior to becoming a member of PiA or any affiliate website.

1.0 Important Note – for Persons under 18 years old.
1.1 PiA prohibits the use of any of our sites by all persons under the age of 18, who, in their own right may not be eligible for contractual liability. Persons under the age of 18 who wish to use the services of PiA and any of its affiliate sites must do so in conjunction with an adult supervisor, parents or guardian.
1.2 We will terminate or cancel any project, investment/pledge/backing for a project if we discover that the source of it is from a person under the age of 18.

2.0. Information collected from you.
2.1 We may collect information from and about you through diverse ways(including but not limited to):
i) Through filing forms on our site.
ii) Through information provided us in writing – in print and electronic(emails).
iii) Through verbal conversations via telephone and other record able media such as text messages, etc.
iv) Through information captured when you use our sites.
v) Through the completion of surveys and responses to promotional questionnaires.
vi)Through information obtained from third parties that are relevant to us in respect of the services we provide to you.

3.0 Use of tracking devices and “cookies”
3.1 To enable us deliver efficient services, we may use data collection devices such as “cookies” on our site. Cookies are small files placed on your hard drive that helps us to provide tailor-made services to you. You may choose to decline our cookies if your browser permits; in which case, you may not be able to use some of the features of our site.
3.2 It is possible that you may encounter the “cookies” or similar devices placed on certain pages of our site by third parties. PiA or any of its affiliate sites does not control the use of cookies by third parties.

4.0 Use of Your Information
4.1 We only use personal information about you to help ensure safe use of our sites and enforce our Terms of use. Information held about you is not limited to only information held on file about you but may include information obtained from monitoring your activities on our site.
4.2 Whenever you use our site to post a project or make an investment, our system will capture data about you for either billing information purposes or to help provide support to you.
4.3 It is a condition of the use of our site that we may use your information to help promote or market certain services to you, to improve our content and product offerings to you, etc.

5.0 Disclosure of Your Information
5.1 Within the tenets of this Privacy Policy, PiA guarantees not to disclose private information to third parties without your express consent. However, we may be forced by “legal requirements” to provide information to government or third parties under certain special circumstances. For example, where the provision of such personal information is as a result of investigation by a government body.
5.2 PiA does not sell, rent, hire or trade your personal information with any third parties for any purposes whatsoever. However, we may disclose your personal information within the context of an aggregated data that does not disclose your personal details individually. For example, we may disclose information about our users en-bloc, to partners and affiliate sites, for promotional and advertising purposes without being non-personal in such disclosure. Where such disclosure is done, your personal details such as your name, address, email, telephone numbers, bank account details, will not be disclosed.

6.0 Use of Others’ information
6.1 As a user of PiA or its affiliated sites, you are bound to come into contact with the personal information of other third party users. For example, as a project owner, you are likely to have access to the personal details of investors and project backers. By this agreement, PiA grants you licence to use such information only for PiA related messages that are not unsolicited commercial messages, using branded offered services through PiA (e.g. Insurance, shipping, etc).
6.2 Where a user through our site, accesses information of other third parties, they must give such third parties the opportunity to ascertain the type, amount and nature of information or data held about them. Furthermore, under no circumstances must you disclose information regarding third parties to other third parties without the former’s express consent.
6.3 Without prejudice, PiA does not accept, tolerate or entertain the use of Spam on our website. You are not allowed to add the details of any user of our site (including even investors/donors/backers of your project) without their consent. Spams can be reported to us at:

7.0 Use of Email Materials
7.1 We do not accept the sending of unsolicited emails to our site users in a manner that would violate their privacy.

8.0 Use of your Password
8.1 Due to security reasons, we do not recommend that you disclose your password to anyone else. You are completely responsible for the use of your password and further agree that you will be responsible for any changes, alteration and or use of your password for any transactions, etc.
8.2 If for any reason, you feel that your password has been compromised in any way, form or shape, you must take immediate steps to amend it. To activate your personal details, please email us at:

9.0 General Questions
9.1For any further questions, please contact us at the above email address.


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