Regulatory position

Compliance & Governance

Our regulatory position, professional credentials, published governance standards, and complete document library — presented without marketing language.

Section A

Our Regulatory Position

TitleShield IS:

✓ Participating in the SEC Nigeria Regulatory Incubation Programme (ISA 2025)

✓ Registered with SCUML as a Designated Non-Financial Business and Profession

✓ Compliant with the Nigeria Data Protection Act 2023

✓ Due diligence provided by MKC — NIESV & ESVARBON Registered Practice

TitleShield is NOT:

✗ A fund manager or portfolio manager

✗ An investment adviser

✗ A collective investment scheme

✗ A securities dealer

Investor funds never pass through TitleShield. All co-ownership funds are held in SPV-specific corporate bank accounts under the investors' governance control.

What TitleShield is

TitleShield Governance Platform Limited is a property co-ownership governance platform. We provide governance infrastructure — due diligence certification, SPV oversight, AI monitoring, and compliance management — for groups of individuals who choose to co-own property through registered SPVs.

What TitleShield is NOT

TitleShield is not a fund manager, investment adviser, portfolio manager, or collective investment scheme as defined under the Investment and Securities Act (ISA 2025) or any other Nigerian legislation. We do not hold, manage, or control co-owner funds. We do not make investment decisions on co-owners' behalf.

SEC Nigeria

TitleShield is a participant in the SEC Nigeria Regulatory Incubation Programme under ISA 2025. [PLACEHOLDER: RI Programme reference number will be published upon confirmation.] Participation in the RI Programme does not constitute SEC registration or authorisation as a fund manager or investment adviser.

SCUML

All three TitleShield entities — TitleShield Governance Platform Limited, Mary Kolo Consulting, and Maryland Real Estate Services & Facilities Management Company Ltd — are registered with the Special Control Unit against Money Laundering (SCUML). AML/CFT compliance is maintained across all three entities.

CAMA 2020

All co-ownership SPVs are incorporated as private limited companies under the Companies and Allied Matters Act 2020. Co-owner shareholdings are documented in each SPV's statutory register of members.

Land Use Act 1978

All properties listed on TitleShield are verified for compliance with the Land Use Act 1978 and FCT-specific land regulations. Governor's Consent status is reviewed and disclosed as part of the five-pillar due diligence.

NDPA 2023

TitleShield processes personal data in compliance with the Nigeria Data Protection Act 2023. Our Data Protection Policy and Data Processing Agreements are published in the document library below.

National Operations

TitleShield operates across Nigeria's major property markets — Abuja (FCT), Lagos, Port Harcourt, Kano, and expanding. In each city, due diligence is conducted by alliance surveyors operating under Mary Kolo Consulting's national standard and supervision. All Due Diligence Certificates are issued under MKC's professional registration regardless of location.

Section B

Professional Credentials

The credentials behind TitleShield's due diligence standard. Every DD Certificate is signed under these registrations.

Mary Hyeladzira Kolo

Founder & Chief Due Diligence Officer

NIESV Reg. No. [PLACEHOLDER]
ESVARBON Reg. No. [PLACEHOLDER]

Registered Estate Surveyor and Valuer with 20+ years of FCT Abuja market experience. Practice Principal of Mary Kolo Consulting (MKC) — the NIESV and ESVARBON-registered practice that conducts all due diligence for TitleShield-listed properties.

NIESV Member MKC — ESVARBON Registered 20+ Years FCT

Three-Entity Structure

Independence Between Entities

TitleShield operates through three distinct entities, each with its own role and accountability:

TitleShield Governance Platform LtdPlatform, governance, SPV oversight, AI monitoring

Mary Kolo Consulting (MKC)All due diligence, valuations, DD Certificates — NIESV and ESVARBON-registered

Maryland Real Estate Services & Facilities Management Company LtdProperty management for tenanted SPV assets — always disclosed

All entity relationships are fully disclosed in every deal document. See TSH-M3 for the Three-Entity Independence Declaration.

Section C

Document Library

Our governance framework is structured in three tiers: public standards, verified-member governance documents, and documents pending CAC registration.

Document status key:

Available — downloadable now Coming Soon — pending CAC registration Platform Launch — auto-generated per SPV at platform launch

Platform Terms of Use

By using the TitleShield website (titleshield.ng) and platform (app.titleshield.ng), you agree that:

Nothing on this website constitutes financial advice, investment recommendation, or an offer to sell or solicitation to purchase any financial product or security.
TitleShield is a governance platform, not a fund manager, investment adviser, or collective investment scheme.
Property co-ownership carries financial risk including the risk of loss of the amount contributed. Past performance is not indicative of future outcomes.
All information on this site is provided for general information purposes only and may not be complete or up to date.
You must read the full Risk Disclosure before engaging with any deal on the platform.
You must be at least 18 years old and have legal capacity to enter into binding agreements to use the platform.

Full platform Terms of Use are provided to users on account registration. See TSH-L10 (Platform User Agreement) for the complete document.