Payment Agreement

The User agrees to pay all applicable fees, charges, and taxes associated with the use of the Platform's services. Payment is due at the time of service delivery unless otherwise specified in a separate written agreement.

• All payments must be made in full without any set-off, counterclaim, deduction, or withholding.
• The User is responsible for providing accurate and complete billing information.
• Failure to pay may result in suspension or termination of services.

The Platform accepts the following payment methods:

The Platform charges the following fees for its services:

• All fees are quoted in Nigerian Naira (₦) unless otherwise stated.
• Fees are non-refundable except as provided in Section 6.
• The Platform reserves the right to modify fees with 30 days' notice.

Users may choose from the following billing cycles for subscription-based services:

• Payments are processed immediately upon submission.
• You will receive a payment confirmation via email upon successful processing.
• Payment receipts are available in your account dashboard.
• All transactions are encrypted and processed through PCI-compliant gateways.
• The Platform does not store full credit card details on its servers.

Our refund policy is as follows:

• Listing fees are non-refundable once the listing is published.
• Refunds for technical errors will be processed within 5-10 business days.
• To request a refund, contact support within the applicable timeframe.
• Refunds will be issued to the original payment method.

Late payments will incur the following charges:

• The Platform is not responsible for transaction failures due to insufficient funds, incorrect payment details, or bank/network issues.
• Users will be notified of failed transactions via email and dashboard notification.
• You have 48 hours to resolve the payment issue before service suspension.
• The Platform may retry failed transactions up to 3 times.
• Your bank may hold pending transactions for up to 7 business days.

• If you believe a charge is incorrect, you must contact support within 30 days of the charge date.
• Provide supporting documentation for your dispute (e.g., bank statements, payment receipts).
• The Platform will investigate and respond within 14 business days.
• If the dispute is resolved in your favor, a full refund will be issued.
• Filing a chargeback without first contacting support may result in immediate account suspension.

• All transactions are processed in Nigerian Naira (₦) by default.
• International users may pay in their local currency, subject to exchange rates.
• Exchange rates are determined by your payment provider at the time of transaction.
• The Platform is not responsible for currency fluctuation losses.
• International transaction fees charged by your bank are your responsibility.

• All fees are exclusive of applicable taxes (VAT, withholding tax, etc.).
• Taxes will be added to your invoice as required by Nigerian law.
• You are responsible for any taxes imposed on your use of the Platform.
• International users are responsible for complying with their local tax laws.
• The Platform will issue tax invoices upon request.

• The Platform may suspend your account if payment is not received by the due date.
• Suspended accounts will have listings hidden from public view.
• Account reactivation requires payment of all outstanding amounts plus late fees.
• Accounts may be permanently terminated after 60 days of non-payment.
• Terminated accounts are referred to collections for outstanding balances.

• The Platform reserves the right to change prices at any time.
• Price changes will be announced at least 30 days in advance via email.
• Price changes do not affect already paid subscriptions until renewal.
• Continued use after price changes constitutes acceptance of new prices.
• You may cancel your subscription before price changes take effect.

This Payment Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any legal action arising from this Agreement shall be brought exclusively in the courts of Lagos State, Nigeria.

Any dispute arising from this Payment Agreement shall be resolved as follows:

• Negotiation: Parties shall first attempt to resolve the dispute informally.
• Mediation: If negotiation fails, the dispute shall be submitted to mediation under the Lagos Multi-Door Courthouse (LMDC).
• Arbitration: If mediation fails, the dispute shall be resolved by binding arbitration under the Arbitration and Mediation Act 2023.
• Legal Action: Either party may seek injunctive relief in Nigerian courts.