These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Ribiax Estates Limited, doing business as Xabi ("Xabi," "we," "us," or "our"), Eco Investment and Rental Loan concerning your access to and use of the https://www.realestates.ribiax.com/ website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Site"). Ribiax Estate Limited offers services that include but are not limited to; Xabi a platform that allows clients to easily save their rent each month while still having a large portion of their salary available to do other things, Rent Padi is a rental loan platform available for only salary earners who reside in Lagos and Eco Invest that deals with the collective purchase or construction of the real estate.

We are registered in Nigeria and have our registered office at Ibukun House Plot 1637, Adetokunbo Ademola Street, Victoria Island Lagos., Victoria Island, Lagos 100001. You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subjected to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.