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Terms of Service

Effective July 2026

These Terms of Service ("Terms") govern your access to and use of the Unveeyl platform, including our website, mobile applications, and related services (collectively, the "Platform"), operated by Unveeyl ("Unveeyl", "we", "us", or "our"), a product of Loye Enterprise Limited. By creating an account or using the Platform, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. Eligibility & Accounts

You must be at least 18 years old and capable of forming a binding contract to use the Platform. By registering, you represent that the information you provide is accurate and that you will keep it current.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@unveeyl.com of any unauthorized use.

We offer distinct account types — buyers, sellers, seller-team members, and internal administrators. Certain actions require identity or profile verification as described in these Terms.

2. Buyer Verification

Browsing, searching, viewing listings and seller profiles, and saving or sharing listings are open to all registered users. However, before placing an order, initiating an escrow payment, or otherwise completing a purchase, buyers must complete their profile (including name, contact, date of birth, and address details).

Until profile completion, checkout and payment actions are disabled. Completing your profile does not guarantee the availability, quality, or legality of any listing, which remains the responsibility of the seller.

3. Seller Obligations & KYC

Sellers must complete Know-Your-Customer ("KYC") verification through our third-party provider before publishing listings, receiving orders, or receiving payouts. You authorize us and our verification partners to collect and process the identity information required for this purpose.

Sellers are solely responsible for their listings, the accuracy of product and service descriptions, pricing, fulfillment, applicable warranties, and compliance with all applicable laws, including consumer-protection, tax, and product-safety regulations.

Prohibited items and activities include (without limitation) illegal goods, counterfeit products, stolen property, weapons, regulated substances, and any content that infringes intellectual-property or privacy rights. We may remove listings and suspend accounts that violate these Terms.

4. Orders, Payments & Marketplace Commission

All payments are processed by our payment partner, Paystack. Unveeyl does not operate a wallet and does not itself hold customer funds; funds are held and settled by Paystack.

Buyers pay exactly the listed product price plus any applicable delivery fee — no additional charge is added at checkout. Unveeyl instead charges sellers a marketplace commission, deducted from the seller's payout at settlement: 1% on the first ₦10,000 of the product price, and 5% on any amount above that, capped at a maximum of ₦2,000 per order regardless of order size. The commission applies to the product price only — delivery fees are never commissioned and pass through to the seller in full. All amounts are denominated in Nigerian Naira.

By placing an order you authorize the total charge (product price plus any delivery fee and applicable taxes) to your selected payment method.

5. Escrow & Order Settlement

To protect both parties, order funds are held in escrow by our payment partner after checkout. Funds are released to the seller when the buyer confirms delivery, or automatically after the applicable auto-release window if no dispute is raised.

On release, the product price and delivery fee, less the Unveeyl marketplace commission described above, are transferred to the seller. Where a dispute is raised, settlement is paused pending resolution as described below.

6. Disputes & Refunds

Buyers may raise a dispute within the applicable dispute window after delivery. Both parties agree to cooperate in good faith and to provide any evidence reasonably requested.

Unveeyl administrators may review disputes and resolve them by releasing funds to the seller, refunding the buyer, or arranging a partial settlement. Resolution decisions made by Unveeyl are final for the purposes of fund settlement on the Platform, without prejudice to any rights you may have under applicable law.

7. Seller Subscriptions & Teams

Sellers may subscribe to paid plans (such as Premium) that unlock additional features. Premium is billed monthly and may include a one-time free trial per seller. Business plans are tailored and arranged directly with our team; they are not sold through self-service checkout.

Business-tier sellers may invite team members up to their assigned seat limit. If a Business subscription lapses, team accounts are frozen (not deleted) and may be reactivated if the plan is renewed. Subscription fees are non-refundable except where required by law.

8. Content & Intellectual Property

You retain ownership of content you submit (listings, images, posts, messages). You grant Unveeyl a non-exclusive, worldwide, royalty-free license to host, display, and distribute that content for the purpose of operating and promoting the Platform.

The Platform, including its software, design, and trademarks, is owned by Unveeyl and protected by intellectual-property laws. You may not copy, modify, or create derivative works without our written permission.

9. Prohibited Conduct

You agree not to misuse the Platform, including by attempting to circumvent escrow or fees, engaging in fraud, harassing other users, scraping data, introducing malware, or interfering with the Platform’s operation or security.

Internal administrator accounts are for platform operations only and may not act as buyers or sellers.

10. Suspension & Termination

We may suspend or terminate your access at any time for violation of these Terms, suspected fraud, or legal requirement. You may stop using the Platform at any time. Certain provisions (including payment obligations, dispute outcomes, and liability limits) survive termination.

11. Disclaimers & Limitation of Liability

The Platform is provided "as is" without warranties of any kind. Unveeyl is a marketplace facilitator and is not a party to transactions between buyers and sellers. We do not guarantee the quality, safety, or legality of listings.

To the maximum extent permitted by law, Unveeyl shall not be liable for indirect, incidental, or consequential damages, and our aggregate liability arising from your use of the Platform shall not exceed the fees you paid to Unveeyl in the three months preceding the claim.

12. Third-Party Services & Data Processors

Operating the Platform requires trusted third-party providers. By using Unveeyl you acknowledge that the following categories of providers may receive and process the data necessary to deliver their service, each under their own terms and privacy policies. This list may change as our providers evolve; we will keep it current.

Payments & Escrow — Paystack: processes all card and bank payments, holds order funds in escrow, verifies bank accounts, and executes seller payouts and our service-charge settlement. Paystack receives your name, email, payment/bank details, and transaction data. Unveeyl never stores your full card details. See paystack.com/terms and paystack.com/privacy.

Identity Verification (KYC) — Dojah: verifies seller identity (e.g., NIN/BVN, business registration, and liveness/selfie checks). Dojah receives the identity information you submit for verification. See dojah.io for their terms and privacy policy.

Media Hosting & Delivery — Cloudflare Images: stores and serves the photos and media you upload for listings, posts, stories, and profiles. Uploaded images and associated metadata are processed by Cloudflare. See cloudflare.com/privacypolicy.

Authentication — Google (and, where offered, Apple): provides social sign-in. When you sign in with Google, we receive your basic profile and email from Google to create or access your account, subject to Google’s terms and privacy policy.

Real-Time Notifications — Pusher: delivers live updates such as new messages, order status, and escrow events. Pusher processes the channel and event data needed to route these notifications.

Email Delivery — our transactional email provider (Resend): sends account, order, escrow, dispute, verification, and subscription emails. Your email address and message content are processed to deliver these communications.

Cloud Infrastructure — our database, cache, and hosting providers (including MongoDB Atlas, a managed Redis provider, and cloud hosting such as AWS and Vercel): store and process Platform data to run the service securely and reliably.

Where any provider processes personal data on our behalf, we engage them under agreements requiring appropriate confidentiality and security safeguards. Our use of these providers is described further in our Privacy Policy.

13. Governing Law & Changes

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes with Unveeyl shall be subject to the jurisdiction of the competent courts of Nigeria.

We may update these Terms from time to time. Material changes will be notified through the Platform. Continued use after changes take effect constitutes acceptance.

Questions about these Terms may be directed to legal@unveeyl.com.

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