Terms and Conditions

  1. INTRODUCTION

    These Terms and Conditions ("Terms") govern your use of the services (“Services”) and Feegor App, other mobile applications, websites, software, systems (including any networks and servers used to provide any of the Services) operated by Feegor Dotcom Limited (“Feegor”, “Company”, "we," "us," or "our") or on our behalf (collectively the “Platform”).

    We are an e-commerce company and software-as-a-service (SaaS) platform that leverages technology to enable businesses and individual bulk buyers (“Buyers”) in acquiring goods directly from manufacturers and major suppliers (collectively “Suppliers”). Leveraging strategic partnerships, we provide Buy-Now-Pay-Later services, while ensuring flexible delivery and payment options. Feegor, through strategic partnerships, also facilitates payment processing, BNPL Services, and logistics solutions to support transactions conducted on the Platform.

    Feegor may launch, change, upgrade, impose conditions to, suspend, or stop any Services (or any features within the Services) without prior notice except that in case of a fee-based Service, such changes will not substantially adversely affect the ability of such paying Users to enjoy that Service.

  2. ACCEPTANCE OF TERMS

    1. These Terms form a comprehensive binding agreement between each Buyer or Supplier ("User", "you", or "your") and Feegor. By registering an account on the Platform, accessing or using our Platform, you unconditionally agree to and accept our terms of use. If you do not agree with any of these Terms, please desist from using or accessing the Platform. As an individual using the Platform on behalf of a User, you represent and warrant that you have the authority to bind such User to these Terms.
    2. You may be required to enter into separate agreement(s), whether online or offline, with Feegor or our affiliate for any Service (or features within the Services) (each an “Additional Agreement”). If there is any conflict or inconsistency between these Terms and an Additional Agreement, the Additional Agreement shall take precedence over these Terms only in relation to that Service (or feature within the Service) concerned.
    3. Please note that these Terms may be revised and reissued at any time. Your continued use of the Platform will be deemed as an irrevocable acceptance of any revisions. Notwithstanding, we will strive to notify you of changes to these Terms which significantly affect your rights and obligations. Such notices shall be sent to the email address you provided as part of your Account registration, and it is your responsibility to keep your contact information up to date.

  3. ELIGIBILITY AND ACCOUNT REGISTRATION

    1. User Eligibility

      The Platform is intended primarily for use by incorporated companies, registered business entities, and other organizations lawfully engaged in the manufacture, distribution, wholesale, retail, or commercial use of goods, including businesses purchasing goods for resale or for use in their operations. Individuals may also access and use the Platform solely for the purpose of purchasing goods in bulk whether for personal or commercial use. To offer or purchase Goods on the Platform you must register or sign up for an Account on the Platform.

      By registering, you represent and warrant in the case of a business that you are duly incorporated or otherwise lawfully established, and that you hold all permits, licenses, approvals, and authorizations required under applicable laws to engage in the purchase or supply of Goods.

      In the case of an individual, you represent and warrant that you are not less than 18 years of age and have the legal capacity to enter into a contract.

    2. Authorized Representatives

      Individuals who access or operate an Account on the Platform on behalf of their organisations (“Authorized Representatives”) must meet the eligibility criteria for individuals in the section above, and must use the Platform solely as employees, officers, directors, or duly authorized representatives of their organization. Such organisations shall be responsible for all acts, omissions, instructions, and transactions carried out on the Platform by their Authorized Representatives. Notwithstanding, any reference to “User,” “you,” or “your” shall be a reference to such Authorized Representative and his/her organization unless the context otherwise requires.

      It is the sole responsibility of Users to manage, supervise, and restrict access to its account, and to immediately revoke access for any person no longer authorized.

      As an Authorized Representative, you represent and warrant that you have obtained the necessary authority to act as such in using the Platform and our Services.

  4. ACCOUNT REGISTRATION AND CUSTOMER DUE DILIGENCE

    1. Account Registration

      To register, Users must provide accurate, current, and complete information, including but not limited to email address, phone and Whatsapp number, an Account password. Users acknowledge and agree that access to certain services accessible via the Platform may be subject to additional verification and due diligence requirements. In such cases, the Platform may require the submission of further documentation, including but not limited to business registration details, means of identification (for individuals), Bank verification, licenses, identification documents, or other enhanced due diligence information, as may be reasonably required to comply with applicable laws, regulatory requirements, or the Platform’s internal compliance policies., and (where applicable) corporate or business registration details and copies of regulatory approvals or certifications possessed in respect of goods to be supplied via the Platform.

      You shall not use name, email address or other identifier that you do not have the right to use, or another person’s email address or other identifier with the intent to impersonate that person. In addition, you agree that you will protect the security of your Account and password, and that you will not share your Account or password with anyone.

    2. Customer Due Diligence

      Feegor may conduct Know Your Business (KYB) and Know Your Customer (KYC) checks as applicable, credit assessments, or request supporting documentation at any time to verify the information provided. Feegor reserves the right to approve, reject, suspend, or terminate any registration in its sole discretion, particularly where information provided is false, misleading, incomplete, or fails verification or where you:

      • (a)

        do not complete the registration process or satisfy all registration requirements;

      • (b)

        have been previously suspended or banned from the use of the Platform.

      • (c)

        are found or reasonably suspected to have violated any law and regulation applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counter-terrorist financing.

      By applying for or using the BNPL Services, you expressly authorize Feegor and its financing partners to:

      • (a)

        verify your business identity, registration, and compliance status with regulators and relevant authorities or agencies;

      • (b)

        obtain, request, and review your credit information, including reports from licensed credit bureaus, credit registries, or other third-party sources;

      • (c)

        share your information with our financing partners, credit bureaus, and other authorized parties for the purpose of assessing your creditworthiness, monitoring repayment, and reporting defaults; and

      • (d)

        retain and use credit and payment information for ongoing evaluation of your eligibility for BNPL Services.

    3. Account Security

      You are fully and solely responsible for maintaining the confidentiality of your login credentials and for any activity associated with your Account whether authorized or unauthorized. You hereby acknowledge and understand that Feegor will never ask for your login credentials via email, SMS, social media, instant messenger, phone call or any other channel or medium.

      You must promptly notify us at contact@feegor.com if you become aware of any unauthorized access to your Account.

      You understand and agree that we may require you to provide information to confirm your identity and help ensure the security of your Account. Feegor will not be liable for any loss, damages, liability, expenses, or attorneys’ fees that you may incur as a result of someone else using your Account password or Account, as a result of your use or misuse, with or without your knowledge, and regardless of whether you have or have not advised us of such unauthorized use. In such case, you will be liable for losses, damages, liability, expenses, and attorneys’ fees incurred by Feegor or a third party due to someone else’s use of your Account.

  5. PAYMENT TERMS

    Payment for all goods and services must be made within seven (7) days of issuance of the invoice. Failure to make timely payment may result in the invoice being deemed invalid. Full payment is generally required prior to shipment of goods. Notwithstanding the foregoing, Feegor reserves the right, at its sole discretion, to allow alternative payment arrangements for certain customers.

    Accepted payment methods include bank transfer to Feegor’s designated sales account; or payment via the Platform (Feegor App), where applicable.

  6. PRIVACY AND DATA PROTECTION

    Feegor respects your privacy and is committed to protecting your personal and business information. The collection, use, storage, and disclosure of information provided by you when using the Platform shall be governed by our Privacy Policy, which forms an integral part of these Terms and is incorporated herein by reference. By using the Platform or Services, you consent to Feegor’s collection and use of your information in accordance with the Privacy Policy.

    Where the Services integrate third-party features (e.g., payment processors), data may be shared to the extent required to fulfill such integrations. You are encouraged to review the privacy practices of these third parties.

    You consent to the inclusion of the contact information about you in our database, and use your personal information in accordance with the Privacy Policy.

  7. PRODUCT LISTING AND SUPPLIER OBLIGATIONS

    1. Suppliers shall ensure that all Good listings on the Platform, including descriptions, specifications, pricing, images, quantities, and availability, are complete, accurate, and not misleading. Suppliers shall promptly update their listings to reflect any changes in availability, pricing, or other material information.
    2. Suppliers shall ensure that all Goods offered on the Platform comply with all applicable laws, standards, and regulations governing the manufacture, storage, sale, packaging, labeling, and distribution of such Goods, including without limitation requirements of the NAFDAC, SON, and any other relevant authority.
    3. Suppliers shall ensure that Goods have valid registrations and approvals, bear accurate labeling, and display clear expiry or best-before dates. Suppliers shall not list, advertise or supply any Goods that are expired, misbranded, counterfeit, contaminated, adulterated, or otherwise unfit for human consumption, or such products or goods that are prohibited or restricted under applicable law. Feegor reserves the right, in its sole discretion, to remove any Good listing or suspend any Supplier account that breaches this section.

    4. By listing Goods on the Platform, each Supplier represents and warrants that:

      • (a)

        it has full right, title, and lawful authority to sell the Goods listed;

      • (b)

        the Goods are genuine, of merchantable quality, and conform to their descriptions;

      • (c)

        the Goods comply with all applicable laws, regulations, and industry standards; and

      • (d)

        the Goods are free from any liens, encumbrances, or third-party claims.

    5. Each Supplier agrees to indemnify, defend, and hold harmless Feegor, its affiliates, and their officers, employees, and agents from and against any claims, damages, losses, liabilities, penalties, costs, and expenses (including legal fees) arising from or relating to (a) inaccurate or misleading Good listings, (b) non-compliance with applicable laws or regulations, or (c) breach of the warranties in this section.

  8. ORDER PLACEMENT, ACCEPTANCE, AND FULFILLMENT

    1. Order Placement

      Buyers may place Orders through the Platform in accordance with the procedures specified by Feegor from time to time. All Orders must be placed through registered Accounts. Orders placed outside the Platform without Feegor’s prior written authorization and acknowledgement shall not be binding on Feegor.

    2. Order Confirmation and Acceptance

      An Order shall constitute an offer by the Buyer to purchase the Goods listed. The Order shall be deemed accepted only upon confirmation by the Supplier or Feegor support team through the Platform, at which point a binding contract shall arise directly between the Buyer and the Supplier.

      Feegor’s role shall be limited to facilitating the transaction, facilitating payment processing through Payment Partners, and coordinating logistics through its Logistics Partners.

    3. Cancellation and Modification

      A Buyer may cancel or modify an Order only prior to the Goods being shipped. All cancellations and modifications regarding your Order shall be in line with our Order Cancellation and Modification Policy.

  9. TRANSACTIONS AND FEEGOR’S ROLE

    1. Facilitation Role

      Feegor provides a digital platform that enables Buyers to discover, negotiate and purchase Goods from Suppliers. Feegor facilitates transactions by providing the technology platform and tools for order management, payment processing through its payment partners, and logistics coordination through third-party providers. Feegor is not the manufacturer, seller, or buyer of Goods listed on the Platform and does not act as an agent for either party in any transaction.

      Feegor may provide Buyers and Suppliers with order tracking and status updates via the Platform. Feegor may also monitor transactions for compliance with these Terms, but shall not be liable for any delays, non-performance, or failure by third parties including the Suppliers, Logistics Partners and Payment Partners.

    2. No Control Over Goods or Parties

      Feegor does not control, and shall not be responsible for, the quality, safety, lawfulness, availability, or conformity of Goods listed by Suppliers, nor for a Supplier’s ability to complete a sale or a Buyer’s ability to complete a purchase. All contracts for sale are directly between Buyers and Suppliers.

    3. Transaction Risks

      All Buyers and Suppliers using the Platform assume the risks associated with their transactions, including but not limited to: misrepresentation, fraud, defective or unlawful products or goods, delay or default in delivery or payment, breach of warranty or contract, transportation/delivery risks, and claims by third parties (including regulators, consumers, or end-users). Feegor shall not be liable for any loss, damage, liability, cost, or expense arising from such risks.

    4. User Responsibilities

      Feegor may facilitate and oversee transactions on the Platform, however, Buyers and Suppliers are solely responsible for agreeing and performing the terms of their transactions for each Order, including payment, delivery, returns, warranties, insurance, taxes, licenses, permits, and compliance with applicable laws.

    5. Disputes Between Users

      Any dispute arising between Buyers and Suppliers shall be resolved between those parties. Feegor may facilitate and act as an intermediary in the resolution of such disputes, however, Users agree to release and indemnify Feegor (and its affiliates, officers, employees, and partners) from all claims, demands, actions, damages, and expenses arising out of or in connection with such disputes, unless where the cause of action or dispute can be traced to Feegor’s negligence or willful misconduct.

      Users may report any matters by sending an email to contact@feegor.com

  10. DELIVERY

    1. All Orders placed on the Platform are fulfilled through delivery by a Logistics Partner engaged by the Supplier or provided by Feegor. Pickup or self-collection is generally not permitted and may only be allowed in exceptional circumstances where Feegor elects to permit such arrangement at its discretion. Where any pick-up or self-collection is permitted by Feegor, Feegor shall not be liable for any loss or damage, or other liability arising from the Buyer opting for such delivery option or other personal delivery options.

    2. Feegor acts solely as an intermediary providing the Platform. The Platform does not manage or control Logistics Partners or the Suppliers, and is not responsible for delivery, delays, damage, loss, or non-delivery of Goods.

      Accordingly, Buyers are advised to promptly inspect all Goods upon delivery. Claims relating to loss, delay, or damage in transit must be reported through the Platform or by email at contact@feegor.com within 24 hours of delivery else deemed accepted. This is to enable the Logistics Partner or Supplier, as the case may be, to promptly address such complaints.

      Feegor only facilitates communication between the parties and provides a channel for dispute resolution, but assumes no liability for any default of the Supplier or any third- party service providers.

  11. RETURNS, REPLACEMENTS AND REFUNDS

    Returns, replacements, and refunds shall be permitted only in accordance with Feegor’s Return and Refund Policy as published on the Platform and updated from time to time. Buyers must raise any claims for defective, damaged, or non-conforming Goods strictly in line with the timelines and procedures set out in the Return and Refund Policy.Returns, replacements, and refunds shall be permitted only in accordance with Feegor’s Return and Refund Policy as published on the Platform and updated from time to time. Buyers must raise any claims for defective, damaged, or non-conforming Goods strictly in line with the timelines and procedures set out in the Return and Refund Policy.

    Feegor’s role is limited to facilitating the process under the Return and Refund Policy. Feegor shall not be liable for the quality, condition, or conformity of Goods, which remain the sole responsibility of the Supplier.

  12. DISCLAIMERS AND LIABILITY LIMITATION

    Feegor shall not be liable for delays, failure in performance, or interruption of service which results directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, any delay or failure due to any act of God, the act of civil or military authorities, the act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

    Feegor does not have any control over the product/goods or services provided by third parties or APIs in use on the platform. Feegor will endeavour to make use of the best services, but cannot ensure that third-party APIs stay responsive.

  13. UNAUTHORISED ACTIVITIES

    Your Account and/or your access to the Services may be limited, suspended or terminated subject to Feegor’s discretion, where you engage in unauthorised activities including but not limited to:

    (a)

    use of the Platform or Services on behalf of any unregistered third party;

    (b)

    circumvention or attempt to circumvent, or engage in any act intended to bypass the Platform, including by: (i) conducting or attempting to conduct transactions directly or outside the Platform with another User introduced or identified through the Platform; (ii) sharing contact details or engaging third parties to facilitate such direct transactions; or (iii) engaging in any other act that deprives the Platform of its legitimate fees, commissions, or commercial benefit.

    (c)

    attempting to directly or indirectly reverse engineer, decompile, disassemble, decode, derive source code from, or otherwise attempt to derive the architecture, algorithms, trade secrets, know-how or other proprietary information of the Platform or any Feegor IP.

    (d)

    illegal, fraudulent, or malicious activities;

    (e)

    any action that disrupts, interferes with, or compromises the security or integrity of Feegor or our Services;

    (f)

    transmission or distribution of harmful content, including viruses, malware, or any other form of destructive code;

    (g)

    activities that violate applicable laws, regulations, or the rights of others;

    (h)

    any use that contradicts the intended purpose of our Services or that may harm the reputation of Feegor or any of its affiliates;

    (i)

    facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or other attempt to gain unauthorized access to any of Feegor system, data, information or our Services;

    (j)

    use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers;

    (k)

    interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the Services) operated by us or on our behalf, any of the Services or other Users’ use of any of the Services;

    (l)

    taking any action that may cause us to lose any of the Services from our internet service providers, payment processors, or other suppliers or service providers;

    (m)

    circumvent any Feegor policy or determinations about your Account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions:

    • attempting to open new or additional Feegor account(s) when your Account has been restricted, suspended or otherwise limited;
    • opening new or additional Feegor accounts using User information that is not your own (e.g. name, address, email address, etc.); or
    • using another User’s Account or permitting another to use your Account; or
    (n)

    harass and/or threaten our employees, agents, or other Users.

    Additionally, Feegor reserves the right to take legal action and/or report non-permitted activities to relevant authorities.

  14. PROHIBITED ACTIVITIES

    You must not use the Platform to do any of the following:

    (a)

    use the Platform for committing fraud or any unlawful and/or illegal purposes;

    (b)

    reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform;

    (c)

    upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the Platform;

    (d)

    use the Platform to harm or injure any third party;

    (e)

    impersonate any person or entity, on the Platform;

    (f)

    forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Platform;

    (g)

    upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

    (h)

    upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

    (i)

    upload, post, email, transmit or otherwise make available on the Platform, any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam", "chain letters," "pyramid schemes," or any other form of solicitation;

    (j)

    upload, post, email, transmit or otherwise make available on the Platform, any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

    (k)

    disrupt the normal flow of or otherwise act in a manner that negatively affects other user’s ability to engage in real time exchanges;

    (l)

    interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;

    (m)

    intentionally or unintentionally violate any applicable local, state, national or international laws and any regulations having the force of law.

    You hereby acknowledge that Feegor reserves the right to restrict or terminate access to your Account or take legal actions upon the reasonable suspicion or conviction that you have carried out any of the prohibited activities.

  15. THIRD-PARTY SITES

    Our Platform may contain links or references to third-party websites, applications, or services ("Third-Party Sites") for your convenience. We reserve the right to modify, add, or remove links to Third-Party Sites without notice.

    By using our Platform, you agree to indemnify and hold us harmless from any claims, damages, or losses arising from your use of Third-Party Sites. The inclusion of links or references to Third-Party Sites does not imply our endorsement, sponsorship, or affiliation with such sites.

    You acknowledge that we have no control over the content, policies, or practices of Third-Party Sites, and we disclaim any responsibility for the accuracy, legality, or appropriateness of their content. Accessing and using Third-Party Sites is at your own risk. We do not guarantee the security, functionality, or availability of Third-Party Sites, and we make no warranty, express or implied, regarding the accuracy, reliability, or legality of content on Third-Party Sites. You further acknowledge that your use of Third- Party Sites is governed by their terms and policies. We recommend reviewing these terms before engaging with Third-Party Sites.

    We are not liable for any damages or losses incurred as a result of your interactions with Third-Party Sites, including but not limited to financial transactions, data breaches, or any other harm. You hereby release us from any claims or liabilities arising from your use of Third-Party Sites. Any content, products/goods, or services provided by Third- Party Sites are the sole responsibility of the respective third parties, and we disclaim any liability for such content.

  16. INTELLECTUAL PROPERTY AND USER CONTENT

    1. All intellectual property rights in and to the Platform, including but not limited to software, technology, databases, designs, user interfaces, features, trademarks, service marks, trade names, logos, and other proprietary materials (collectively, “Feegor IP”), are and shall remain the exclusive property of Feegor and/or its licensors. No rights in Feegor IP are granted to Users except as necessary to access and use the Platform in accordance with these Terms.
    2. Users shall not copy, reproduce, modify, distribute, display, perform, publish, license, or create derivative works from Feegor IP without Feegor’s prior written consent.
    3. Suppliers and Buyers retain ownership of all content, materials, data, product/goods information, trademarks, and other materials uploaded, published, or shared on the Platform (“User Content”). By submitting User Content, Users grant Feegor a worldwide, royalty-free, non-exclusive license to host, display, use, reproduce, adapt, publish, and distribute such User Content solely for the purpose of operating, marketing, and improving the Platform and Services.
    4. Users are solely responsible for ensuring that their User Content, including product/goods listings, branding, and related materials, do not infringe the intellectual property rights of any third party.
    5. Users are encouraged to promptly report to Feegor any suspected infringement of intellectual property rights on the Platform. Feegor reserves the right to remove or disable access to any User Content alleged to infringe third-party rights.

  17. INDEMNIFICATION, DISCLAIMER & LIMITATION OF LIABILITY

    1. Disclaimer

      TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM AND SERVICES PROVIDED BY FEEGOR ARE MADE AVAILABLE ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. FEEGOR EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF CONDITION, QUALITY, DURABILITY, PERFORMANCE, ACCURACY, RELIABILITY, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. FEEGOR MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING: (A) THE ACCURACY, COMPLETENESS, RELIABILITY, OR CURRENCY OF ANY INFORMATION PROVIDED ON OR THROUGH THE PLATFORM; (B) THE QUALITY, SAFETY, LEGALITY, OR FITNESS OF ANY GOODS OR SERVICES OFFERED, DISPLAYED, OR PURCHASED THROUGH THE PLATFORM; (C) WHETHER THE MANUFACTURE, DISTRIBUTION, OFFER, SALE, OR USE OF ANY GOODS OR SERVICES OFFERED THROUGH THE PLATFORM WILL NOT VIOLATE THE RIGHTS OF ANY THIRD PARTY. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR PLATFORMS, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. IF YOU CHOOSE TO RELY ON SUCH INFORMATION, YOU DO SO SOLELY AT YOUR OWN RISK.

      Any materials or information obtained through the Platform are accessed at the User’s sole discretion and risk. Users are solely responsible for any damage to their systems or loss of data resulting from such use. No advice or information, whether oral or written, obtained from Feegor shall create any warranty not expressly stated in these Terms.Any materials or information obtained through the Platform are accessed at the User’s sole discretion and risk. Users are solely responsible for any damage to their systems or loss of data resulting from such use. No advice or information, whether oral or written, obtained from Feegor shall create any warranty not expressly stated in these Terms.

      The Platform may provide access to products, goods or services supplied by independent third parties, including Suppliers, Logistics Partners, and Payment Partners. FEEGOR MAKES NO WARRANTY OR REPRESENTATION REGARDING THE GOODS, OR OTHER THIRD-PARTY PRODUCTS/GOODS OR SERVICES ACCESSIBLE VIA THE PLATFORM AND SHALL HAVE NO LIABILITY FOR THEM.

    2. Indemnification

      Each User agrees to indemnify and hold harmless Feegor, its affiliates, directors, officers, and employees from and against any and all losses, damages, claims, liabilities, costs, or expenses (including legal costs on a full indemnity basis) arising out of: (a) the User’s access to or use of the Platform or Services; (b) the submission, posting, or display of User Content or information on the Platform; (c) the purchase, sale, or use of goods, products, or services through the Platform; or (d) the User’s breach of these Terms, applicable laws, or third-party rights.

    3. Users are solely responsible for ensuring that their content, products, goods or services do not infringe third-party rights. Users agree to indemnify and hold Feegor harmless from any claims, damages, or liabilities arising from alleged or actual infringement. Feegor shall have the right, at its discretion, to assume control of the defense of any claim, in which case Users shall cooperate fully with Feegor.

    4. To the maximum extent permitted by law, Feegor shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages (including, without limitation, loss of profits, revenue, goodwill, business, or data), whether in contract, tort, negligence, or otherwise, arising out of or in connection with: (a) the use or inability to use the Platform or Services; (b) any goods, data, information, or services obtained from third parties through the Platform; (c) unauthorized access to or use of User data; (d) statements or conduct of any User or third party; or (e) any other matter relating to the Platform or Services.

    5. Limitation of Liability

      Notwithstanding the foregoing, Feegor’s aggregate liability to any User for all claims in any calendar year shall not exceed the greater of: (a) the total fees paid by the User to Feegor for use of the Services during that calendar year, or (b) the maximum amount permitted by applicable law.

      The limitations and exclusions in this Section apply to the fullest extent permitted by law and shall apply regardless of whether Feegor has been advised of the possibility of such losses.

  18. SUSPENSION, TERMINATION AND SUBSCRIPTION CANCELLATIONS

    1. User-Initiated Cancellations

      Users may close their Accounts and cancel any subscriptions to the Services through their Account settings at any time. Access to the subscribed content will continue until the end of the current billing cycle. No prorated or partial refunds will be issued for unused time. Cancellation will take effect from the next billing cycle.

    2. Platform-Initiated Cancellations

      Feegor reserves the right, at its sole discretion, to suspend, restrict, or terminate your account or access to the Platform and Services at any time, with or without notice, if:

      (a)

      You violate these Terms or any Feegor Policy;

      (b)

      You engage in fraud, abuse, or conduct harmful to other Users;

      (c)

      You submit excessive or fraudulent chargebacks;

      (d)

      You provide false, inaccurate, misleading, or incomplete information

      (e)

      continued provision of the Services to you would expose Feegor, its partners, or other users to legal or commercial risk.

      No refunds will be issued for termination based on violations. You may appeal a decision by contacting contact@feegor.com

    3. Appeals

      If you believe that a suspension or termination was made in error, you may contact Feegor within seven (7) business days of notice to request a review. Feegor will consider your request in good faith taking into consideration the severity of the ground for such termination or suspension. Feegor reserves sole discretion to reinstate or uphold the decision.

    4. Effect of Termination or Suspension

      Any pending obligations (including payment obligations under confirmed orders or BNPL arrangements) shall survive termination. Feegor shall not be liable to you or any third party for suspension or termination of access. Feegor may retain and use information as necessary to comply with its legal, regulatory, or contractual obligations.

  19. ANTI-MONEY LAUNDERING POLICY

    In line with the Anti-Money Laundering and Combating Terrorism Financing, we have the authority to monitor your transactions on our platform and your use of our platform for any transaction or activity. Where we suspect a transaction to be risky, we may temporarily place them as pending and request additional documents or information. You agree that we reserve the right to request additional documents and information that support your transactions. We reserve the right to investigate you and your transactions if we deem your activities to be fraudulent.

  20. FORCE MAJEURE

    Feegor is not liable for disruptions, refund delays, or non-performance due to events beyond its control, including but not limited to cyberattacks, regulatory changes, natural disasters, or third-party payment failures.

  21. GOVERNING LAW AND DISPUTE RESOLUTION

    This Agreement and the rights and obligations of the Parties hereunder shall be governed by and interpreted and construed in accordance with the laws of the Federal Republic of Nigeria.

    In the event of a controversy, claim or dispute arising out of or relating to this Terms, the Parties shall attempt in good faith to resolve such controversy, claim or dispute promptly by negotiation between the parties or their authorized representatives. You shall, before exploring any other remedy in law, notify us of the dispute or complaint through the contact details. If parties are unable to resolve the controversy, claim or dispute, the parties shall be referred to the courts of the Federal Republic of Nigeria, unless otherwise agreed in writing.

    Where mandatory arbitration is required by law or agreement, the parties shall resolve disputes through confidential, binding arbitration before a single arbitrator appointed under the Arbitration and Mediation Act 2023.

    Each Party agrees that any dispute arising out of or in connection with the Terms will be conducted only on an individual basis and not in a class, consolidated or representative action.

  22. COMMUNICATION

    You consent to receive communications from us electronically, such as e-mails, SMS, Whatsapp messages, push notifications, or phone calls, and messages, and you can retain copies of these communications for your records. You agree that all agreements, notices, disclosures, and other communications (other than phone calls) that we provide to you satisfy any legal requirement that such communications be in writing.

    If any condition in these Terms requires you to give notice to Feegor, you may send such communication to us by e-mail below.

  23. CONTACT INFORMATION

    If you have any complaints or enquiries in connection with our Services, you may contact us by e-mail at contact@feegor.com or to such other e-mail address that may be communicated to you from time to time. We will confirm receipt of this by contacting you in writing by e-mail. Alternatively, you may call us on 0814 643 9559.

  24. MODIFICATIONS TO TERMS

    We reserve the right to amend, revise, or replace these Terms at any time. In the event of material changes, we may notify Users through appropriate channels. Your continued use of the Services following the effective date of any changes constitutes acceptance of the updated Terms.

  25. DEFINITIONS AND INTERPRETATION

    1. Definitions

      In this Agreement, unless the context otherwise requires:

      “Account” means a User account on the Platform.

      “Agreement” means these Terms and Conditions, together with any policies, annexes, or documents incorporated by reference.

      “BNPL” means Buy-Now-Pay-Later.

      “BNPL Services” means the BNPL facility offered on the Platform, subject to applicable credit checks and repayment terms.

      “Business Day” means any day other than a Saturday, Sunday, or public holiday in, Nigeria.

      “Goods” means the fast-moving consumer goods, food products, or other items listed for sale on the Platform by Suppliers.

      “Logistics Partner” means any third-party service provider engaged by Feegor to provide warehousing, transportation, delivery, or related logistics services in connection with Orders.

      “Order” means a purchase request submitted by a Buyer through the Platform for Goods offered by a Supplier.

      “Platform” means the Feegor B2B e-commerce platform (including its website, mobile application, or any successor system) operated by Feegor.

      “Payment Partner” means any licensed third-party financial institution, payments service provider, or bank engaged by Feegor to process payments or provide BNPL Services.

      “NAFDAC” National Agency for Food and Drugs Administration Control.

      “SON” means Standard Organisation of Nigeria.

    2. Interpretation

      Unless the context otherwise requires:

      (a)

      sections and heading references are for convenience only and shall not affect interpretation.

      (b)

      Words importing the singular include the plural and vice versa.

      (c)

      References to a person include natural persons, corporations, partnerships, and unincorporated bodies.

      (d)

      References to a statute, law, or regulation include any modification, re-enactment, or replacement thereof.

      (e)

      The words “include,” “includes,” or “including” shall be deemed to be followed by the words “without limitation.”

      (f)

      In the event of inconsistency between this Agreement and any ancillary policy, this Agreement shall prevail unless expressly stated otherwise.

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