Thank you for visiting our Website – https://www.fhfl.com.ng (“Website”) – which is operated by Family Homes Funds Limited (“FHFL”, “we” or “us”). This page gives you certain information about your use of our Website and the terms on which we make our Website available to you (“Terms of Use”).

Please read this document carefully before you start using our Website. If you have any questions about our Terms of Use please contact us at info@fhfl.com.ng.

Please also read our Privacy Policy, which sets out information about our privacy practices on our site, including how we handle your personal data and information about the cookies on our Website.

1. By using our Website, you accept the Terms of Use listed on this webpage.


The information contained on this site is the property of FHFL unless otherwise indicated.


By visiting our Website, you confirm that you accept these Terms of Use and agree to abide by them. If you do not agree to any of these erms, please refrain from using our Website. We recommend that you print a copy of this web page for future reference.


We reserve the right to amend these Terms of Use and any of our Policies from time to time.


1.4 You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained within our Policies may also be superseded by provisions or notices published elsewhere on our Website.

2. We may make changes to our Website


We may update and change our Website from time to time to reflect changes to our services, our users’ needs or any other aspect of the way we run our business.


In addition to these Terms of Use, there may be additional terms and conditions relating to any investment, collaboration, partnership, funding, or financial commitment which you may decide to make to FHFL for its products and projects. Please ensure that you carefully read all applicable terms and conditions and any other relevant information before making any form of commitment.


You must not use the Website in any way that causes or may cause the Website to be damaged or access to the Website to be interrupted at all.

3. Disclaimer


We do not guarantee that our Website, or any content on it, will always be available or that your ability to use it will be uninterrupted. We do not warrant that the functions contained in the material on this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or bugs. We may suspend, withdraw or restrict the availability of all or any part of our Website for business or operational reasons.


While the information contained in the Website has been compiled from sources reasonably believed to be current and reliable, we make no warranties, representations or guarantees, whether express or implied, about the accuracy, reliability, completeness or timeliness of such information and will not be liable for any loss or damage suffered because of any error or omission which may occur.


Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked sites or any information that you may obtain from them. We have no control over the contents of those sites or resources.


Without prejudice to any other provision contained within these Terms of Use, we shall not be liable for any damages arising from the use of, or inability to use, the Website or any of its contents. Whilst precautions are taken (such as checking that all documents uploaded are virus-free), we do not guarantee that any part of the Website is free of infection by viruses or anything else that may be harmful or destructive to the device used to access this Website. For the avoidance of doubt, if any use of the Website results in the need for servicing or replacing equipment or data, we shall not under any circumstances be responsible for those costs.


The exclusions of liability in this section fully apply permissible by law.

4. Intellectual Property and Branding


We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. For the purposes of these Terms of Use, “intellectual property rights” shall mean copyright, design rights, trade marks, domain names, patents, rights to inventions, rights in computer software, database rights and any other intellectual property rights (and in each case, any improvements, adaptations, modifications and enhancements thereto, and any derivative works thereof), whether registered or unregistered and including all applications (or rights to apply) for and rights to be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part of the world. The works on our Website are protected by copyright laws and treaties around the world. All such rights are reserved.


You acknowledge that, unless expressly stated otherwise, the intellectual property rights and the materials embodying them on our Website belong to us (except for any pre-existing rights belonging to you or others).


You may use some of the content on our Website for commercial purposes but please contact us at info@fhfl.com.ng to discuss your project.


In connection with your use of the Website, you may view, copy, download, print, store, retransmit, display, distribute, show or play in public any part of or any content from our Website for your own personal use or for the purposes of research, private study or for internal circulation within an organization, provided that all of the following conditions are complied with:

  • 4.4.1

    You retain all copyright notices and other proprietary notices contained in the original material on any copy you make

  • 4.4.2

    ‘FHFL’ is quoted as the source of the content

  • 4.4.3

    you do not use the Website nor the material in any manner which would otherwise constitute an infringement of any third-party rights (including any intellectual property rights).

  • 4.4.4

    If you print off, copy or download any part of our Website in breach of these Terms of Use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

  • 4.4.5

    The Family Homes Funds Limited name and Family Homes Funds Limited logo are registered trademarks and cannot be reproduced without our prior written permission.

  • 4.4.6

    The permission to allow any person to use the FHFL logo shall only be given at our absolute discretion to:

  • 4.4.7

    Partners or collaborators of FHFL, for use in a project in which FHFL is formally involved

  • 4.4.8

    organizers of events which FHFL is sponsoring or is officially associated with

  • 4.4.9

    users who are showcasing or including FHFL’s open Data Dashboard data in a project e.g. a presentation or report

  • 4.4.10

    Any use of FHFL’s logo is strictly prohibited without prior written permission from FHFL. Requests for the use of our logo or commercial use of any item on our Website should be sent to info@fhfl.com.ng

  • 4.4.11

    Where we give you permission to use our logo in accordance with an extant Clause, your usage shall be restricted to direct, specific references to a project, paper, or event with which we are involved. The logo shall not under any circumstances be permitted to be used to imply a broad or generic association with

  • 4.4.7

    Some items on this website, such as photos, do not belong to FHFL and are published with permission of the copyright owner (on photos this may be indicated in the alternative text). Permission to copy these items must be requested from the copyright owners.

Data Dashboard

Family Homes Funds Ltd (“FHFL”) endeavors to make its project data as freely available as possible to demonstrate the successes of its model and encourage other actors into the affordable housing movement. FHFL provides the user with access to these data free of charge subject to the terms of this agreement.

5. Licenses


Users are encouraged to use the data to benefit themselves and others in creative ways.


Unless specifically labelled otherwise, you are free to copy, distribute, adapt, display, or include the data in other products for commercial or non-commercial purposes for no cost under a Creative Commons Attribution 4.0 International License (“CC BY 4.0 License”), with the additional terms below. Read the basic terms [https://creativecommons.org/licenses/by/4.0/]. By using or downloading the data, users are agreeing to comply with the terms of a CC BY 4.0 License, and agreeing to comply with the following mandatory and binding additions:

  • 5.2.1

    You agree to provide attribution to FHFL in any published use of the data, including but not limited to articles, papers, forms, blogs, books. Usage includes both direct publication of the existing data, along with any analysis undertaken by the user. This attribution should include FHFL’s name and the following link – www.fhfl.com.ng/dashboard. An electronic copy of all reports and publications based on the requested data should be sent to FHFL.

  • 5.2.2

    When published use contains Market Shaping Indicators data, or analysis of Market Shaping Indicators data, from African countries, you agree to also provide attribution to the Centre for Affordable Housing Finance in Africa (“CAHF”). This attribution should include CAHF’s name and the following link – housingfinanceafrica.org. An electronic copy of all reports and publications based on the data should be shared with CAHF (info@housingfinanceafrica.org).

  • 5.2.3

    When sharing or facilitating access to the data from the Data Dashboard, you agree to include the same acknowledgement requirements, as set out above, in any sub-licenses of the data that you grant, and a requirement that any sub-licensees do the same. You may meet this requirement by providing a hyperlink to these Terms of Use.

  • 5.2.4

    Some datasets and indicators are provided by third parties and may be subject to additional terms and conditions. Where applicable, third-party data is labelled as such, and usage conditions can be found on their respective websites.

6. Accounts


The Data Dashboard requires you to create an account to download any data, though not to view data online. All account holders are subject to the following rules:

  • 6.1.1

    You must be at least 16 years old.

  • 6.1.2

    If asked for any personal details, you must answer truthfully (please see FHFL’s Privacy Policy for what we do with those details). You must supply a valid e-mail address. Any users found to have provided incorrect answers are liable to have their accounts deleted without warning.

  • 6.1.3

    You are responsible for the security of your account and making sure that any contact details in the account are kept up to date.

  • 6.1.4

    You must not let anyone else use your account. If pressure is applied to you to do so — for example if an employer demands your username and password — please inform them that their attempt to subvert your agreement with FHFL will mean that they have no permission to use any of FHFL’s services.

  • 6.1.5

    You must let us know of any unauthorized use of your account as soon as you are able to after becoming aware of it.

  • 6.1.6

    FHFL reserves the right to suspend or terminate an account at any time. Equally, you may close your account at any time.

7. Liability

To the extent permitted under applicable law:


If you breach any of your obligations under this agreement and, as a result, cause FHFL to be sued by anyone else, you will have to provide compensation for any loss that FHFL has suffered as a result. This includes any costs that are incurred defending a claim (both monetary and time) as well as any damages awarded.


FHFL shall not be liable to you or any other party for any direct, indirect, or consequential losses, including but not limited to any loss of profits, loss of sales or business, loss of savings, loss of or damage to goodwill, or any loss of use or corruption of software, data or information howsoever occurring, regardless of whether such loss was foreseeable or unforeseeable.


Neither party is liable for anything which is beyond their reasonable control.

8. Data Accuracy


FHFL strongly recommends that FHFL data be acquired directly from the Data Dashboard and not through other sources that may change the information in some way or exclude material crucial to the understanding of that information.


Every effort is made to provide accurate and complete information. However, accuracy of data is often dependent on accurate primary data collection by FHFL’s downstream partners, and we cannot guarantee that there will be no errors. We make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the data of this website and expressly disclaim liability for errors and omissions. Some data may also change between updates, and substantive changes may be noted when data is next updated.


The data posted on the Data Dashboard and website may contain hypertext links or pointers to information created and maintained by other public and private organizations. These links and pointers are provided for visitors’ convenience. FHFL does not control or guarantee the accuracy, relevance, timeliness, or completeness of any linked information.

9. Personal Data


Some of the data displayed on the Data Dashboard will refer to individual project clients. We will only use personal data as set out in our Privacy Policy. In cases where you are registering to download data from FHFL’s Data Dashboard, we will always anonymize key identifiers such as name, house number, phone number/email but we may potentially keep data such as your employer’s name, income, and household demographics.


Users agree that no attempt will be made to re-identify any respondents, and no use will be made of the identity of any individual discovered inadvertently via a data breach. Any such breach should immediately be reported to FHFL by emailing info@fhfl.com.ng

10. Accessibility

Except for graphical text, text size on our website can be increased or decreased using the options in your browser menu:


In Google Chrome: Open Chrome, tap the three-dot menu icon in the upper-right corner, and select “Settings”. Tap “Accessibility,” then adjust the “Text scaling” slider until the text is comfortable for you to read.


In Mozilla Firefox: Using the zoom settings in the Firefox menu to make text larger. Select the Menu button in the top-right of the Firefox web browser. In the Zoom section, select the + (plus) button to increase the size of text and images. Select the – (minus) button to decrease the size of text and images.


In Safari: To increase the font size, press Option-Command-Plus sign (+). To decrease the font size, press Option-Command-Minus sign (-)

All images on our website have alternative text apart from those used for aesthetic purposes only.

11. Links outward


The Website may provide links to other third-party websites which are not under our control, including those which may refer to FHFL. We do not accept any responsibility or liability for the privacy policies, content, or practices of these other websites. If you decide to access linked third-party websites, you do so at your own risk. Unless explicitly stated otherwise, we do not endorse any of the products or services advertised or available on any of the sites that we link to.


In our events calendar, we may include links to other third-party websites; for example, where you can see a map of the event venue location. These links are provided for general information purposes only are we shall not be responsible for the content of these websites or the accuracy of the information given.


We retain the right to add or remove links on the Website at any time.

12. Links inward


You may link to the home page of our Website, provided you do so in a way that is fair, legal and does not damage our reputation in any way, or take advantage of it.


All links to our Website must be appropriate and relevant in the context of FHFL’s activities. You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists, nor imply without our prior consent that we have approved or endorsed you in any way.


Requests for permission to link to other areas of our Website should be made to the info@fhfl.com.ng


We may withdraw our linking permission at any time without notice.

13. General conditions


This agreement is made under the laws of the Federal Republic of Nigeria.


We may update these terms and conditions at any time. If we do so, we will announce the change on our blog. Any changes will be binding on you from the moment we announce them.


If any part of this agreement is ineffective (for example because it is unlawful) then the rest of the agreement should be read without it.


This agreement is between FHFL and the user and is not intended to give anyone else any rights.


FHFL may sometimes fail to enforce our rights under this agreement (for example because we decide not to, or we did not realize you were in breach of contract). Just because we have not enforced any of our rights, does not stop us from doing so in the future.


FHFL collects some usage data from all users, whether they have registered for an account or not. For more information about this, including our privacy practices and cookie policy, please see our Privacy Policy.

Family Homes Funds Limited, a Company Registered in 2017 and commencing operations in 2018 and promoted by the Federal Government of Nigeria as part of its Social Intervention Programme with initial shareholding by the Federal Ministry of Finance and the Nigeria Sovereign Investment Authority. Our registered address 3rd Floor Sinoki House, Samuel Ademulegun Avenue, Central Business District, Abuja.