Legal
Privacy notice
Last updated 15 September 2026 · Issued by PropTech Limited under the Nigeria Data Protection Act 2023 (NDPA).
HouseBetta asks for sensitive things — your BVN, your NIN, read access to your bank transactions — so this notice is written plainly. If anything here is unclear, ask us.
1. Who we are
HouseBetta is a product of PropTech Limited. We are the data controller for the personal data described here. Our registered office is H2 South Pointe Estate, Lekki, Lagos, Nigeria.
2. What we collect, and why
| Data | Why we need it | Lawful basis |
|---|---|---|
| Name, email, phone, date of birth | To create your account and contact you about it | Contract |
| Bank Verification Number (BVN) and National Identification Number (NIN) | To confirm you are who you say you are — the identity check on your Renter Passport | Contract; legal obligation (KYC) |
| Bank statements or read-only bank data you link (via Mono) | To confirm your income and calculate an affordable rent. We read transactions; we cannot move money | Consent — you can unlink at any time |
| Employment letter or payslip | To confirm where you work and for how long | Consent |
| Referee details you provide (previous landlord, employer) | To ask that person to confirm your tenancy or employment. We contact only the people you name, only after you ask us to | Consent |
| Credit bureau report (where you opt in) | To add a credit signal to your Passport and to underwrite rent financing | Consent |
| Device and session signals (IP address, browser, timestamps) | Security, fraud prevention, rate limiting | Legitimate interest |
| Listing reports and contact-form messages | To act on what you told us | Legitimate interest |
3. What we never do
- We never request access to your contacts, photos, messages or files, and our app never asks for those permissions.
- We never contact your family, friends or employer unless you named them as a referee and asked us to.
- We never sell personal data, and we never share your Passport with a landlord or agent unless you share it.
4. Who sees your data
- Landlords and agents — only the Passport summary you choose to share, for as long as you keep the share open. You can revoke a share at any time from your portal.
- Verification providers — identity (BVN/NIN), open banking, credit bureau and sanctions-screening providers process the specific data needed for their check, under contract with us.
- Business partners (for example a lender assessing a rent-financing application) — only under a signed data-processing agreement, only the fields you have consented to, and every access is logged.
- Regulators and law enforcement — where the law requires it.
5. How long we keep it
Your Passport data stays for as long as you keep your account. Passport checks expire after a fixed validity window and must be refreshed, so stale data is not presented as current. If you apply for rent financing and are declined, we anonymise that application after 2 years. Records we are legally required to keep (loan agreements, consents, ledger entries) are retained for the period the law requires, even after you close your account.
6. Your rights
Under the NDPA you can ask us to show you the data we hold, correct it, delete it, restrict or object to how we use it, or give it to you in a portable format. You can also withdraw consent at any time — for example by unlinking your bank. We respond within 30 days.
Signed-in renters can request a copy or erasure directly from the Your data section of their dashboard. Anyone can contact us. If you are not satisfied with our response you may complain to the Nigeria Data Protection Commission.
7. Security
Data is encrypted in transit, access inside the company is role-based and logged, and every view of personal data by our staff is recorded. We keep only what a check needs (data minimisation) and we screen our own systems continuously.
8. Cookies
We use a session cookie to keep you signed in and a security token to protect forms. We do not use advertising or cross-site tracking cookies.
9. Changes
If this notice changes in a way that affects you, we will tell you by email before the change takes effect. The date at the top is the date of the current version.