IMPORTANT DISCLOSURES & DISCLAIMERS

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Last Updated: October 2025

EDUCATION, NOT FINANCIAL ADVICE

Diaspora Property Formula is a real estate education and training platform for diaspora Nigerians and

international investors. We are NOT a registered investment advisor, financial advisory firm, licensed

broker, or property management company.

Our content provides:

 General educational information about real estate investing strategies

 Market analysis and historical trends

 Best practices and frameworks for property research

 Case studies and hypothetical scenarios

Our content does NOT provide:

 Personal investment recommendations

 Advice on whether a specific property is suitable for you

 Tax, legal, or accounting guidance

 Guarantees of returns or property appreciation

 Property valuations or due diligence reports

IMPORTANT DISCLAIMERS

1. Past Performance is Not Indicative of Future Results

Historical property appreciation rates, rental yields, and market examples presented in our courses are

for educational purposes only. Past performance does NOT guarantee future results. Real estate

markets are subject to rapid changes due to economic conditions, currency fluctuations, interest rates,

regulatory changes, and local factors.

2. Investment Risk

Real estate investing carries substantial risk, including:

 Loss of capital

 Illiquidity (difficulty selling properties quickly)

 Currency risk (for diaspora investors)

 Regulatory and tax changes

 Market downturns and depreciation

 Management and tenant issues

 Maintenance and unexpected costs

You could lose your entire investment. Never invest money you cannot afford to lose.

3. Regulatory and Tax Compliance

Nigeria's tax, real estate, and foreign exchange regulations are complex and subject to change. Current

tax rules include:

 Capital gains tax on property sales

 Withholding taxes on rental income

 Stamp duties and registration fees

 VAT on certain transactions

 Foreign remittance and currency controls

As a diaspora investor, you may also face:

 Tax obligations in your country of residence

 Double taxation (which may be mitigated by tax treaties)

 Currency conversion and repatriation restrictions

 Compliance requirements with your country's tax authorities

YOU MUST CONSULT WITH A QUALIFIED TAX ADVISOR AND LEGAL PROFESSIONAL in both Nigeria and

your country of residence BEFORE INVESTING.

4. Currency and Foreign Exchange Risk

The Nigerian Naira fluctuates against foreign currencies. Property values and rental income are

denominated in Naira, but if you're funding investments from abroad, currency movements will affect

your returns and costs. Central Bank regulations on foreign exchange and repatriation may also impact

your ability to move funds.

5. No Personalized Advice

Our courses, webinars, and materials are general educational resources, not tailored to your financial

situation, risk tolerance, or investment objectives. Do not assume our content addresses your specific

circumstances.

6. Market Data and Examples

Property prices, rental yields, and market data presented are compiled from third-party sources and

may not be current, complete, or accurate. We do not independently verify all information. Property

values and market conditions change constantly. Always conduct your own research and verify

information through current, local sources.

7. Hypothetical Scenarios

Calculations, projections, and scenarios in our courses are hypothetical. They do not reflect actual

trading commissions, taxes, management fees, or market liquidity constraints. Your actual results will

differ.

8. No Guarantees

We do not guarantee that:

 Following our strategies will result in profit

 Properties will appreciate

 Rental income will meet projections

 You will successfully complete transactions

 Your investments will generate positive returns

 Our methods will work in all markets or conditions

9. Use Licensed Professionals

Before investing, consult:

 A qualified real estate agent or property lawyer in Nigeria

 A tax advisor familiar with your country's expatriate tax laws

 A financial advisor for overall investment strategy

 An accountant for tax planning and compliance

 A currency specialist if managing foreign exchange

10. Conduct Due Diligence

Before purchasing any property:

 Verify title and ownership

 Conduct physical inspections

 Research the neighborhood and market trends

 Understand rental market conditions

 Review local regulations and restrictions

 Assess maintenance and management costs

 Evaluate liquidity and exit strategies

REGULATORY COMPLIANCE

In Nigeria: Diaspora Property Formula is an educational platform. We comply with Nigerian data

protection principles. If you are a Nigerian resident or derive income from Nigeria, you may have tax

filing obligations with the Federal Inland Revenue Service (FIRS). For diaspora Nigerians, tax rules are

nuanced—consult a tax professional.

SEC Registration: We are NOT registered with Nigeria's Securities and Exchange Commission. We do not

offer securities, collective investment schemes, or regulated financial services.

In Your Country of Residence: Regulations vary by country regarding investment advertising, financial

advice, and tax reporting. Ensure our content complies with your local regulations.

TESTIMONIALS & RESULTS

Testimonials from course participants represent individual experiences based on their effort, timing,

capital, and market conditions. Results are not typical and may not be representative. We do not track

monetary outcomes or guarantee success.

Individual results depend on:

 Your investment capital and financial resources

 Time spent researching and executing strategies

 Your risk tolerance and investment objectives

 Market conditions at the time of purchase

 Property location and management quality

 External economic and regulatory factors

LIMITATION OF LIABILITY

Diaspora Property Formula and its owners, employees, and agents are not liable for:

 Investment losses or financial damages

 Incorrect or outdated market information

 Decisions you make based on our content

 Consequences of following our strategies

 Results that differ from examples or projections

 Tax, legal, or regulatory issues

You use our services at your own risk and assume full responsibility for all investment decisions.

UPDATES TO INFORMATION

We aim to keep our content current, but real estate markets, tax laws, and regulations change

frequently. Information presented may become outdated. Always verify current conditions, prices, and

regulations before acting.

By using Diaspora Property Formula, you acknowledge that you have read and understood these

disclosures and assume full responsibility for your investment decisions.