Terms and Conditions

1. Introduction

Welcome to Payfaci ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our eCommerce marketplace, where vendors can list and sell products, and customers can purchase them. By accessing or using our platform, you agree to abide by these Terms.

2. Account Registration

To use certain features, you must create an account and provide accurate, up-to-date information.

You are responsible for maintaining the security of your account credentials.

We reserve the right to suspend or terminate accounts that violate these Terms.

3. Vendor Obligations

Vendors must provide accurate product descriptions, pricing, and shipping details.

Vendors are responsible for order fulfillment, shipping, and handling returns or disputes.

Vendors must comply with all applicable laws and regulations related to their sales.

4. Customer Responsibilities

Customers must provide accurate payment and shipping information.

Customers agree not to misuse the marketplace for fraudulent activities.

Refunds and returns are subject to the vendor’s policies, which are clearly stated on each product listing.

5. Payments and Fees

Transactions are processed through approved payment gateways.

Vendors are responsible for any applicable fees related to sales.

We reserve the right to adjust marketplace fees with prior notice.

6. Order Processing and Shipping

Vendors must process orders within the specified timeframe.

Shipping policies and delivery times are determined by individual vendors.

Customers should contact vendors directly for shipping-related inquiries.

7. Intellectual Property

All content, trademarks, and materials on the marketplace are the property of their respective owners.

Unauthorized use, reproduction, or distribution of any content is prohibited.

8. Prohibited Activities

Users may not:

Engage in fraudulent, deceptive, or illegal transactions.

Upload harmful content, including malware or misleading advertisements.

Use the platform to infringe on the rights of others.

9. Limitation of Liability

We are not liable for transactions between buyers and vendors.

We do not guarantee product quality, accuracy, or compliance with regulations.

Our liability is limited to the extent permitted by law.

10. Dispute Resolution

Disputes between customers and vendors should be resolved directly.

If unresolved, customers may contact our support team for mediation.

Any legal disputes shall be governed by the laws of Nigeria.

11. Termination

We may suspend or terminate user accounts for violations of these Terms.

Users may delete their accounts at any time.

12. Amendments

We reserve the right to modify these Terms at any time.

Continued use of the platform after updates constitutes acceptance of the revised Terms.

13. Contact Information

For questions or concerns, contact us at support@payfaci.com.

By using our marketplace, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.