Frequently Asked Questions

TitleShield Limited (RC 9518873) is Nigeria's first property co-ownership governance platform. We provide the legal, structural, and administrative infrastructure that makes property co-ownership safe, transparent, and professionally managed — through registered Special Purpose Vehicles (SPVs), independently certified due diligence, and AI-powered governance.

No. TitleShield is not a fund manager, portfolio manager, collective investment scheme, or securities dealer. You own a direct share in a specific, identified property through a CAC-registered SPV. TitleShield provides governance infrastructure — it does not pool or manage funds.

Sign up at app.titleshieldpro.com. You start as a Community Member — free access to the Learn library, community forum, and property previews. Complete identity verification (KYC) to become a Verified Member and access full property listings, Due Diligence Certificates, and the slot calculator.

TitleShield is registered with SCUML (Special Control Unit Against Money Laundering) and operates under Nigerian AML/CFT obligations. Identity verification is a regulatory requirement. It also means every person you co-own property with has been verified — protecting all co-owners.

TitleShield Ready is for co-owners who have their full capital available. All co-owners contribute 100% of their slot upfront. The SPV is incorporated, funds are collected, the property is acquired, and co-owners are registered simultaneously. Timeline: typically 4–8 weeks from document signing to title transfer. Best for: co-owners who want the simplest, fastest structure with no instalment risk.

TitleShield Flex is for co-owners who are building their capital over time. You pay a minimum 30% deposit at signing and complete the balance over up to 18 months on an agreed instalment schedule. The SPV is incorporated at the outset but title transfer is conditional on full payment. Important: the instalment schedule is a legal obligation. If you default, the SHA default provisions apply — including a cure period and potential share forfeiture at a discount.

TitleShield Build is for co-ownership of a property under development (off-plan). Capital is contributed in tranches aligned to independently verified construction milestones. Each milestone — foundation, superstructure, finishes, completion — is physically verified by an appointed NIESV/ESVARBON professional before the next tranche is released. No bulk advance releases. This is the strongest protection against off-plan fraud in the Nigerian market.

TitleShield Retrofit formalises existing informal co-ownership arrangements. If you and others already co-own property informally — through family, friends, or an ajo group — Retrofit brings your arrangement into the formal governance framework. A new SPV is incorporated, contributions are recognised and documented, and a full SHA is executed. Critical requirement: all existing co-owners must agree to formalise. If any one party refuses, Retrofit cannot proceed without legal action.

Every property listed on TitleShield has passed a 5-pillar due diligence investigation conducted by an independently appointed NIESV and ESVARBON registered professional: (1) Legal title verification — C of O, R of O, Deed of Assignment, or other applicable title document; (2) Physical inspection — site visit, structural assessment, boundary survey; (3) Professional valuation — independent market and rental valuation; (4) Regulatory compliance — building plan approvals, development permits; (5) For Build deals: developer vetting, construction budget review, planning approvals. No property reaches the platform without a signed Due Diligence Certificate.

TitleShield recognises all Nigerian property title instruments: Certificate of Occupancy (C of O), Right of Occupancy (R of O), Allocation Letter, Offer Letter, Deed of Assignment, Deed of Sublease, Deed of Partition, Deed of Gift, Excision Document, Gazette, Survey Plan, Probate/Letters of Administration, Court Orders, and Building Plan Approvals. Consent to Assignment is obtained where required by state law — it is not a universal requirement across all Nigerian states.

Your slot payment goes directly to the SPV's dedicated corporate bank account — opened in the SPV's registered name after CAC incorporation. TitleShield never holds your slot funds. Your payment goes to the SPV, not to TitleShield. TitleShield's structuring fees are invoiced separately and paid directly to TitleShield Limited.

In Nigeria, residential rent is typically collected annually. The property manager collects the annual rent, deducts the management fee (5% of gross annual rent), and remits the net amount to the SPV's bank account. TitleShield then calculates each co-owner's proportionate share, deducts 10% Withholding Tax (which is remitted to the relevant State Internal Revenue Service), and distributes the net amount to each co-owner's bank account. A distribution statement is issued to each co-owner with every payment.

10% Withholding Tax (WHT) is deducted from your rental income distribution. The SPV remits this to the State Internal Revenue Service of the state where the property is located — Lagos (LIRS), FCT (FCTA-IRS), Rivers, etc. You receive a WHT credit note which you can use to offset your personal income tax liability. Capital Gains Tax (10% of gains) applies when the property is sold. TitleShield is not a tax advisor — consult a qualified tax professional for personal tax advice.

Nigerian naira payments: Paystack — card, bank transfer, or USSD. International/diaspora payments: Flutterwave — accepts USD, GBP, CAD, EUR, and other currencies with conversion to NGN. All slot payments go directly to the SPV account. All TitleShield fees are paid to TitleShield's operating account. Separate payment links are provided for each.

All governance decisions are made through the TitleShield platform. Ordinary resolutions (routine decisions) require a simple majority (>50%). Special resolutions (major decisions — renovation, refinancing) require a 75%+ supermajority. Unanimous resolutions (selling the property, amending the SHA) require all co-owners to consent. Votes are cast online, recorded automatically, and filed in the document vault. No co-owner can be overridden on decisions that require unanimous consent.

Every TitleShield SHA includes a defined dispute resolution process: (1) Informal negotiation — 30 days; (2) Independent mediation — 30 days; (3) Expert determination for financial/valuation disputes; (4) SHA deadlock provisions — which may trigger a buy/sell (shotgun) clause. The buy/sell clause means either party can offer to buy the other's shares at a set price — the receiving party must either accept or buy at the same price. This forces resolution without litigation.

Voluntary exit: notify TitleShield and your co-owners (notice period per your SHA — typically 30–90 days). An independent valuation establishes fair market value. Existing co-owners have a 30-day right of first refusal. If they decline, you may offer your shares to an approved external buyer. Transfer is executed via share transfer form and CAC notification. Exit facilitation fees are quoted at the start of the exit process. Capital Gains Tax (10%) applies on gains.

Yes. TitleShield is built for diaspora co-owners. Everything — KYC, document signing, governance voting, distribution tracking — is accessible remotely through the platform. International payments are processed through Flutterwave in your home currency. All slot amounts are denominated in Nigerian Naira; the exchange rate is locked at the date your SHA is signed to protect against FX movement.

Your slot amount is fixed in Nigerian Naira in the SHA. The NGN equivalent in your home currency is calculated at the exchange rate on the date the SHA is signed, and this rate is documented in the SHA. You pay the foreign currency equivalent through Flutterwave within 30 days of signing. If the rate moves by more than 5% before you pay, TitleShield will contact you to agree on an adjustment. You bear no FX risk on payments made within 30 days of signing.