Terms of Service

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 theloyegroup@gmail.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.

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.

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.

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: 5% of the product price, capped at a maximum of ₦5,000 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. Orders placed before 15 August 2026 were charged under our previous rates (1% on the first ₦10,000 and 5% above, capped at ₦2,000) and are unaffected by this change. All amounts are denominated in Nigerian Naira.

The commission covers the cost of processing the transaction and settling funds - including our payment partner's card and bank collection charges, transfer fees on each payout to a seller's bank account, statutory stamp duty on qualifying transfers, and related banking costs - as well as escrow protection, dispute handling, and the operation of the Platform. These costs are borne by Unveeyl and are not itemised or charged separately to buyers or sellers.

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

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.

Some listings are marked as paid on collection. These are physical items the buyer collects in person and pays the seller for directly, at the point of handover. They are available only from sellers on a Premium or Business plan.

For these orders, Unveeyl does not process, hold, or transfer any payment, and no marketplace commission is charged. The order record exists so that both parties have a shared reference and so the seller's stock and sales figures remain accurate. Payment is a matter strictly between the buyer and the seller.

Because no funds pass through the Platform, escrow protection does not apply to these orders and Unveeyl cannot reverse, refund, or recover a payment made in person. The dispute and refund process described in the following section applies only to orders paid through the Platform. Buyers should inspect the item before paying, and should not send money in advance for a pay-on-collection listing - if a seller asks for advance payment, please report the listing.

The seller marks the order as collected once the exchange has taken place. This confirmation is the seller's own record of the sale; Unveeyl does not witness or verify the payment.

If a seller's Premium or Business plan lapses, their pay-on-collection listings are paused automatically and cannot be purchased until the plan is renewed. Orders already agreed are unaffected.

This section applies to orders paid through the Platform. Pay-on-collection orders, described above, involve no payment held by us and are therefore outside the dispute and refund process.

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.

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.

Financial statements are a Business-plan feature. Recording stock is not, and remains available on every seller plan. If a Business subscription lapses, the records a seller has entered are kept and remain accessible; it is the ability to produce a statement from them that stops. See section 9.

Sellers can record what their stock does - deliveries from suppliers, goods sent back, damage and losses, shelf counts, and the opening position their records begin from - together with expenses and income. Stock records are available on every seller plan. Turning them into a Statement of Profit or Loss is a Business-plan feature.

The figures come from you. Unveeyl calculates from what you enter: the stock you counted when your records began, what you say your goods cost, the deliveries you record and the expenses you add. Cost of goods sold is calculated on a first-in, first-out basis, so the oldest stock is treated as sold first. If what you enter is wrong, incomplete or out of date, the statement will be wrong in the same way, and we have no means of detecting that.

These are management accounts. They are prepared automatically from a seller's own records; they are not audited or independently verified, and Unveeyl does not certify their accuracy. Nothing produced by these tools is tax, accounting or investment advice, and Unveeyl is not your accountant, auditor or tax agent. Anyone relying on these figures for lending, tax filing or any other decision should have them reviewed by a qualified accountant.

Your legal obligations remain yours. Keeping proper accounting records and making accurate returns to the Federal Inland Revenue Service, the Corporate Affairs Commission or any other authority is your responsibility as a seller, and these tools do not discharge it or replace the books you are required to keep.

Reports stay live; exports do not. Adding or backdating an entry changes what a report shows for a past period, which is correct - the entry belonged to that period. A statement you export is frozen exactly as it read on the day it was issued, carries its own reference, and does not change afterwards, so a copy given to a bank and the copy on your screen can be compared.

Only the account owner can record or change these entries. Team members granted financial access can read the records and the statements but cannot alter them. Bear in mind that such access shows what your goods cost you, who supplies you, and money you have taken out of the business.

You are responsible for information about other people that you enter here - supplier and customer names, and anything shown on a receipt or invoice you upload. You must be entitled to provide it and to have us process it on your behalf, and it must be accurate.

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.

The Platform hosts content created by its users - listings, posts, stories, comments, reviews, profile details, and messages ("User Content"). User Content is created by the user who submits it, not by Unveeyl. We do not endorse, verify, or adopt any User Content, and any opinion, claim, recommendation, or product representation in it is that user's alone.

You are solely responsible for the User Content you submit and for any consequence of submitting it. You represent that you own it or have the rights to submit it, and that it does not infringe anyone's intellectual-property, privacy, or publicity rights, is not defamatory, obscene, hateful, harassing, deceptive, or otherwise unlawful, and does not violate section 12 (Prohibited Conduct).

We are not obliged to pre-screen or monitor User Content, and we do not do so exhaustively. We do operate moderation: content may be reviewed automatically using third-party AI services (described in section 15) and, where a report is made or a review is escalated, by our administrators. Automated moderation is imperfect - it can miss violating content and can flag content that is not violating. Reviewing some content does not make us the author or publisher of any content, and does not create a duty to review all of it.

We may remove, restrict, blur, age-gate, decline to distribute, or refuse to reinstate any User Content, and suspend the account behind it, at our discretion and without notice where we consider it necessary. Removal is a content decision, not a determination of legal liability.

To report content, use the in-app report control on the item, or write to theloyegroup@gmail.com. If you believe content infringes your intellectual property, send us the item's location on the Platform, identification of the work infringed, your contact details, and a statement that you hold the rights or are authorised to act for the rights holder; we will review and act on valid notices, including by removing content and terminating repeat infringers.

To the maximum extent permitted by law, Unveeyl is not liable for User Content, for any loss or damage arising from your reliance on it, for its removal or retention, or for the conduct of any user - online or offline - in connection with it. Disputes between users about User Content are between those users. This section does not limit any liability that cannot lawfully be excluded.

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.

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.

Suspension affects access, not money you have already earned. Suspending an account does not cancel, freeze, or forfeit funds held in escrow for it. Orders already placed continue through their normal course: where a buyer confirms delivery, the escrow is released and the seller payout is made to the bank account on file on the usual schedule, and where an order is refunded, the buyer is refunded as normal. A payout that fails at the bank is retried automatically rather than abandoned.

We do not keep the balance of a suspended or terminated account. Where we are required to withhold a payout - for example while a dispute, chargeback, or fraud investigation is open, or where the law requires it - we withhold only the amount in question and only for as long as that reason stands, and we will tell you the reason on request. Funds that cannot be paid to you because the account details on file are wrong or the account is closed remain owed to you; contact support to provide valid details.

If you delete your account, the content you published goes with it. Your listings, posts, stories, comments and the reviews you wrote are deleted, and the photos and videos attached to them are removed from our storage. Comments other people left on your posts are deleted along with the posts they were written on. The licence you granted us in section 10 ends for that content when it is deleted.

Two things deliberately outlast the content. Orders keep the item title, price and quantity as they stood when the order was placed, because a buyer's receipt and a seller's sales history are that person's record as much as yours and must stay accurate after you leave; and messages remain readable to the other participant for 10 days before being purged, so nobody loses their own history the moment you go, and a chat referenced in an open dispute survives while it is resolved.

Deleting an account is not a way to erase a rating you have received. Where the reviews you WROTE are removed, the sellers you rated have their averages recalculated so no score reflects a review that no longer exists; the reviews others wrote about YOU are part of their record of dealing with you, not yours, and are not yours to remove by closing the account. Our full Account Deletion Policy sets out what is erased and what is kept.

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.

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.

Push Notifications (Android app) - Google Firebase Cloud Messaging: delivers notifications to your device when the app is closed. Firebase receives a device token that identifies your installation, together with the title and body of the notification being sent. You can stop this at any time by turning off notifications for the app in your device settings, or by signing out, which removes the device registration.

Artificial Intelligence - Google (Gemini) and Anthropic (Claude): power our AI features and our automated content moderation. Claude is used as an automatic fallback when Gemini is unavailable, so a given request may be served by either. The text and listing details you submit to an AI feature, and the content submitted for moderation, are sent to these providers to produce a result. We do not send them your payment, bank, or KYC identity data. Neither provider is given your content to train their models on; both process it to return a response and under their own terms. See ai.google.dev/terms and anthropic.com/legal.

Product Analytics - Vercel Web Analytics: measures page views and page-performance (web vitals) on our website so we can see which pages are used and where the site is slow. It is cookieless and does not build a cross-site profile of you; it processes the page visited, referrer, and coarse device and country information. See vercel.com/legal/privacy-policy. We do not use Google Analytics, advertising pixels, or third-party ad-tracking SDKs, and we do not track you across other apps or websites.

Error Monitoring - Sentry: records diagnostic reports when something fails, so we can find and fix it. These reports can include the page or screen involved, error messages and technical context, and an account identifier where you are signed in.

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.

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law rules.

Informal resolution first: if you have a dispute with Unveeyl, contact us at theloyegroup@gmail.com with a description of the claim and the relief you seek. Both parties agree to attempt in good faith to resolve it informally for 30 days before starting formal proceedings. This step is a condition of commencing arbitration.

Binding arbitration: any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Platform that is not resolved informally shall be finally settled by arbitration under the Arbitration and Mediation Act 2023 of Nigeria. The arbitration shall be before a single arbitrator appointed by agreement of the parties, or, failing agreement within 30 days, appointed by the Lagos Court of Arbitration. The seat and venue of the arbitration shall be Lagos, Nigeria, and the language shall be English. The arbitrator's award is final and binding, and judgment on it may be entered in any court of competent jurisdiction.

Exceptions: either party may bring an individual claim in a small-claims or magistrate court where it qualifies, and either party may seek urgent injunctive or other interim relief from a competent Nigerian court to protect intellectual property, confidential information, or the security of the Platform, without waiving this arbitration agreement.

Individual basis only: disputes are arbitrated individually. To the maximum extent permitted by law, you and Unveeyl each waive any right to bring or participate in a class, collective, consolidated, or representative proceeding, and the arbitrator may not consolidate claims or preside over any form of representative action. If this waiver is held unenforceable as to a particular claim, that claim - and only that claim - shall proceed in the competent courts of Nigeria, and the remainder of this section continues to apply.

Nothing in this section removes any right you have under mandatory consumer-protection law, including any right to complain to the Federal Competition and Consumer Protection Commission or another competent regulator, or any right that cannot lawfully be waived by agreement. Nothing in this section applies to disputes between a buyer and a seller over an order, which follow section 7 (Disputes & Refunds).

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 theloyegroup@gmail.com.