Compliance

At Kletch, your security and peace of mind come first. Whether you are buying property, selling a verified home, or partnering as a lender, we are committed to providing a transparent and secure experience supported by trusted technology and licensed third-party providers.

Kletch does not accept, store, or move money on your behalf.

All payments, deposits, fees, and transfers related to property transactions occur exclusively through licensed and regulated third-party providers.

These providers may include:

• Licensed payment processors
• Escrow and settlement service providers
• Foreign exchange or cross-border payment providers

Your funds are always held with regulated financial institutions or authorized providers — never by Kletch.

To maintain a safe and trusted marketplace, Kletch uses secure verification systems and licensed service providers to confirm user identity and validate documentation.

Verification processes may include:

• Identity verification checks
• Document authentication and validation
• Compliance and fraud-prevention screening
• Secure electronic signing of agreements

These safeguards help ensure that buyers, sellers, and lenders on the platform are properly verified before participating in transactions.

Kletch complies with applicable data protection and privacy standards, including:

• PIPEDA (Canada)
• NDPA (Nigeria) where applicable

Personal information is encrypted, stored securely, and shared only with verified partners involved in your transaction when necessary.

We follow a minimal data retention model, storing only the information required to operate the platform and comply with legal obligations.

Kletch does not sell personal data.

Kletch takes steps to reduce fraud and improve buyer confidence by screening property listings and participating sellers.

Verification procedures may include:

• Seller identity verification
• Proof of property ownership
• Review of supporting property documentation
• Verification of developers for new construction listings

These checks are intended to reduce risks such as fraudulent listings, duplicate sales, or misrepresented properties.

Property transactions facilitated through Kletch follow a structured and traceable process that may include:

• User identity verification
• Application submission
• Document and eligibility review
• Electronic signing of agreements
• Payment coordination through licensed providers

This structured workflow helps ensure that all participants understand the steps involved in completing a property transaction.

Kletch is a technology platform and does not make financial or real estate decisions on behalf of users.

For example:

• Sellers decide whether to accept or reject purchase offers
• Lenders independently evaluate and approve financing applications
• Buyers decide whether to proceed with a property purchase

Kletch provides tools that help facilitate the process but does not control transaction outcomes.

Kletch continuously reviews and improves its compliance and security practices to address evolving risks and regulatory expectations.

These efforts may include:

• Security and infrastructure reviews
• Vendor and partner compliance checks
• Data protection assessments
• Fraud monitoring and prevention measures

Kletch does not provide legal, financial, tax, or investment advice.

Users should consult qualified professionals before making decisions related to property purchases, financing arrangements, or contractual agreements.

Kletch does not guarantee:

• Mortgage approvals
• Property value appreciation
• Performance of third-party service providers
• Transaction completion or outcomes

Our role is to facilitate connections and workflows between parties, not to underwrite, guarantee, or execute financial transactions.

If you have questions about compliance, security, or regulatory matters, please contact us at:

support@usekletch.com