Effective Date: June 2026
Company: Miradike Agency Ltd.
Contact: See [https://miradikeagency.com/contact] for official support channels and physical address.
Miradike Agency Ltd. operates at the intersection of digital commerce and real estate finance. Consequently, we are bound by both digital privacy laws and strict financial regulatory standards.
PART A: Anti-Money Laundering (AML) and KYC Requirements
As a licensed real estate brokerage operating in Nigeria, Miradike Agency Ltd. is classified as a Designated Non-Financial Institution (DNFI). We are legally mandated to comply with the Special Control Unit Against Money Laundering (SCUML) and the Economic and Financial Crimes Commission (EFCC) directives.
1. Mandatory Identity Verification (KYC)
Platform registration for property listing requires rigorous identity verification. No vendor account will be approved, and no escrow funds will be disbursed, until the following KYC documents are submitted and verified:
- For Individual Agents: A valid, government-issued National Identity Card (NIN/NIMC), International Passport, or Driver’s License.
- For Corporate Agencies: Official Corporate Affairs Commission (CAC) registration documents. (Note: A professional Real Estate License is recommended but currently optional).
2. Transaction Monitoring
We actively monitor platform transactions to detect and prevent illicit financial flows. Suspicious escrow deposits or platform behavior will be reported to the appropriate regulatory authorities without prior notice to the User.
PART B: Data Privacy and NDPR Compliance
We handle your data in strict compliance with the Nigeria Data Protection Regulation (NDPR).
1. Data Collection and Usage
We collect personal identifiers (names, emails, phone numbers), financial data (Paystack/Flutterwave transaction histories), and structural KYC data. This information is utilized exclusively to:
- Facilitate secure escrow transactions.
- Approve and maintain vendor dashboards.
- Fulfill e-commerce physical deliveries.
2. Data Retention Policy
To comply with Nigerian financial regulations regarding property transactions and AML protocols, Miradike Agency Ltd. retains user KYC documentation, escrow histories, and transaction records for a minimum of five (5) years following the deletion or deactivation of an account. We reserve the right to retain data for a longer duration if required by an active legal investigation or statutory mandate.
3. Cookies, Third-Party Scripts, and Tracking Technologies
To ensure the seamless operation of our marketplace, user dashboards, and secure checkout flows, we deploy tracking technologies in accordance with NDPR consent mandates.
- Essential Cookies: We deploy session cookies strictly necessary to keep Vendors logged into their dashboards, maintain active shopping carts, and secure user sessions against cross-site request forgery. These do not require explicit prior consent as they are vital for platform operation.
- Analytics and Marketing: We utilize third-party analytics to monitor marketplace traffic. You maintain the right to grant or withdraw consent for these non-essential trackers via our active Cookie Management Banner.
- Third-Party Scripts & Integrations: Our platform infrastructure relies on embedded third-party scripts to function. This includes:
- Payment Gateways: Overlays (e.g., Paystack, Flutterwave) for processing transactions safely.
- Mapping APIs: We utilize the Google Maps API for core property geolocation and search rendering. By utilizing the platform’s map search features, you acknowledge that your generalized location and search inputs may be processed by Google in accordance with the Google Privacy Policy.
4. User Rights
Under the NDPR, users possess the right to request access to their stored data, request corrections to inaccurate profiles, or request data portability. For privacy-related inquiries, please contact our data compliance office via the contact information provided on our website.