Stay Safe
Practical prevention for the moments where people lose money and position: signing, buying, borrowing, hiring and going online. What to look for, the red flags, the questions to ask, and the point at which to stop and get professional advice.
Series · Before You Sign
A recurring series on everyday documents: the clauses that matter, the wording that shifts risk quietly, and the questions that expose an unfair term before you commit.
A document is in front of you and someone is waiting
The four questions that apply to every document you are ever asked to sign, and the point at which you should stop and get professional advice.
You are about to commit to a home and a year of rent
Tenancy is governed by state law and by the agreement itself. The document decides most of what will happen, and it is signed at the moment tenants have the least leverage.
An offer letter has arrived and you want to accept
The offer letter and the contract behind it decide pay, notice, restrictions and what happens if the relationship ends. All of it is easier to negotiate before acceptance.
A partnership is forming on trust and a handshake
Partnership disputes are rarely about the beginning. They are about what nobody wrote down: contribution, control, exit and what happens to the customers.
All guides
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A document is in front of you and someone is waiting
The four questions that apply to every document you are ever asked to sign, and the point at which you should stop and get professional advice.
You are about to commit to a home and a year of rent
Tenancy is governed by state law and by the agreement itself. The document decides most of what will happen, and it is signed at the moment tenants have the least leverage.
An offer letter has arrived and you want to accept
The offer letter and the contract behind it decide pay, notice, restrictions and what happens if the relationship ends. All of it is easier to negotiate before acceptance.
A message, invoice or offer arrives and it looks legitimate
Most online fraud in Nigeria follows a small number of repeated patterns. Recognising the pattern is more useful than recognising the sender.
A deposit is being requested and the seller is in a hurry
Land losses in Nigeria are rarely sophisticated. They come from paying before verifying — authority to sell, the chain of documents, and the physical land itself.
Money is about to move between people who trust each other
Loans between friends, family and small businesses fail on the same points: no written terms, no record of repayment, and guarantors who did not understand what they signed.
A partnership is forming on trust and a handshake
Partnership disputes are rarely about the beginning. They are about what nobody wrote down: contribution, control, exit and what happens to the customers.
Already in it?
If the document is already signed or the money has already moved, start from the rights guides or the guided pathway instead.
