1.  Finlig Digital Limited, hereinafter referred to as “Finlig” is a social commerce platform. 
    2.  These terms and conditions are the ground norms for engagement between customers, individuals or users and shall apply and/or be binding on both users and vendors. Thus, by using this platform you consent to these terms and conditions. 
    3.  If at any time, you disagree with any part of this terms and conditions or all the parts of the terms and conditions herein, you are advised to refrain from using this platform.
    4.  If you are a minor, you are not expected to use this platform. If however, you must use this platform, the same must be done under the supervision of your literate parent and/or literate guardian.  


    1.  By using this platform, you acknowledge and understand;
    2.  That the marketplace is an online one-stop shop for vendors and/or service providers to sell their products and for buyers or individuals or users to purchase the products.
    3.  That Finlig shall only connect buyers to the vendors and/or service providers.
    4. That the vendor and/or service provider’s terms of business shall govern the contract of sale on any business transaction(s) on this platform.
    5. That the price for the products or services available on this platform may include taxes in compliance with applicable laws in force from time to time.
    6. That other charges which include delivery charges, packaging charges, handling charges, administration charges, insurance costs, and ancillary costs may be chargeable by the Vendor or service provider and/or Finlig shall be at the discretion of the Vendor or service provider and/or Finlig to fix same.
    7. That you shall make ascribed payment(s) for any product or service you opt to use.
    8. That all promotions and advertisements shall be managed by Finlig.
    9. That Finlig shall manage all communications, reviews, and feedback on this platform.
      1. You acknowledge that Finlig shall not be liable for any injury that may occur as a result of your personal interaction with another user or vendor or service provider without Finlig facilitating the same and being involved in approving such interactions.
      2. You acknowledge that Finlig owns and controls its copyright, trade name, and other intellectual property rights in its reserves.
      3. You further acknowledge that our vendors and/or service provider(s), trademarks or service mark, or copyright are solely the properties of the respective owners and Finlig, will not, cannot, and shall not endorse, condone, vest nor grant anyone the license to use such right(s).
      4. You acknowledge and agree that Finlig operates an anti-fraud and anti-money laundering compliance program and reserve the right to perform due diligence, checks on all users of the platform.
      5. Finlig reserves the right to discontinue or alter any or all of its platform services and to stop publishing its marketplace at any time in its sole discretion without notice or explanation and you shall not be entitled to any compensation or damages or other payment upon the discontinuance or alteration of any service or all the services on the platform. This is without prejudice to your rights in respect of any unfulfilled services.
      6. You acknowledge and agree that a contract under these terms and conditions is for Finlig’s benefit and your benefit and is not intended to benefit or be enforceable by any third party.


    1. If you opt to use our platform for business or on behalf of any organization or company then you confirm;
      1. That you have first sought and obtained the necessary and/or relevant authority. That you bind yourself and the person you act on behalf in agreement to the terms and conditions herein contained.
      2. That the company or organization for which you act is a legal person and not of any fraudulent nature.
    2. If you opt to use our platform for personal use and/or your own benefit; 
      1. You warrant that you are Eighteen (18) years or above the age of Eighteen (18).
      2. You agree to provide certain information that may necessitate your smooth usage and maximum satisfaction from the services you opt to derive from this platform.
      3. That you vehemently vouch for the correctness of the information supplied by you.
      4. That you shall promptly notify us should any of the information required from you becomes insecure or disclosed either as a result of using our platform or by your own act.
      5. That your account shall be exclusively used by you.
      6. That you consent to create your personal account on our platform as may be required.
      7. That where or if you authorize a third party to manage your account, you do so at your own risk.
      8. You consent that we may cancel, suspend and/or edit your account at any time in our sole discretion and without notice or explanation provided; that if we cancel any products or services you have paid for but not received and you have not breached any part of these terms and conditions, we will make good your refunds on same. 


    1. That you shall not use our platform to link to any website or webpage consisting of or containing materials that would, if posted on our marketplace would breach the provisions of these terms and conditions or any relevant laws.
    2. That you shall not submit to our platform any material(s) that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaints.
    3. That whereas the review function on our platform may be used to facilitate users on products or services, you shall not use or manipulate the review function or any other form of communication to provide inaccurate and/or inauthentic and/or fake reviews.
    4. Finlig reserves the right to suspend, restrict or prevent access to its platform or specific areas on its marketplace or to any functionality.
    5. You shall not circumvent or bypass or attempt to circumvent or bypass any access or restriction measures on this platform.
    6. You shall not take any action that causes or may cause damage to this platform or impair the performance, availability, accessibility, integrity or security of this website.
    7. You shall not use our platform in any way that is unethical, unlawful, illegal, fraudulent or harmful in connection with any harmful or hurtful purpose or activity.
    8. You shall not hack nor tamper with our platform.
    9. You shall not probe or scan or test the vulnerability of our platform without our written permission first sought and obtained.
    10. You shall not intercept, decrypt nor decipher any communication sent by or to our platform without our permission first sought and obtained.
    11. You shall not do anything that interferes with the normal use of our website.


    1. Refunds for services not offered shall be managed by Finlig.
    2. Finlig shall investigate the reason for refunds and shall facilitate the process in its discretion.
    3. Where the reason for the refunds shall be as a result of bad network or system error or system malfunction by a payment gateway or user banker or financial institution, user shall contact his/her bank for such refund or reversal.


    1. Finlig does not represent nor warrant that its platform will operate without fault or that the platform or any service on the platform will remain available  during the occurrence of any event beyond the control of Finlig which include but are not limited to flood, drought, earthquake, war, pandemic, plague or other natural disaster or hacking viruses, malware or other malicious software attack or under any circumstances which materially and adversely affect the political or macro-economic stability of the territory as a whole.
    2. Finlig’s Aggregate liability to you in respect of any contract to provide services to you under these terms and conditions shall not exceed the total amount paid to Finlig under the contract.
    3. This platform may include hyperlinks to other websites owned and operated by third parties and/or vendors and/or service providers, such hyperlinks are not recommendations and Finlig has no control over them and such accepts no responsibility for them or for any damage or loss that may arise from your use of them.
    4. Finlig will not be liable to you for any loss or damages of any nature including losses occasioned by any interruption or dysfunction of the platform, any loss(s) arising out of any events beyond Finlig reasonable control or business loss(s) or damage to profits or income or savings or business contracts, commercial opportunities or goodwill or loss occasioned by corruption of any data base or software or any special or indirect consequential loss.


    1. You hereby indemnify Finlig and undertake to keep Finlig indemnified against any and all losses, damages, cost(s), liabilities and expenses including without limitation, legal expenses and any amount paid by us to any third party in settlement of a claim or dispute incurred or suffered by us and arising directly or indirectly out of your use of our platform  or as a result of you breaching any part of these terms and conditions.
    2. You shall indemnify Finlig where Finlig incurs any VAT liability or tax liability as a result of your failure to pay same or make good of same.


    1. If in our opinion you breach any part or parts of the provisions of these terms and conditions or if we reasonably suspect that you have breached any part thereof we may in our own discretion:
    2. Temporary suspend you from accessing our platform.
    3. Permanently suspend you from accessing our platform.
    4. Suspend or delete your account on our platform
    5. Block all way with which you may explore to have access to our platform 
    6. Commence legal action against you, whether for breach of contract or otherwise.


    1. Finlig shall be at liberty to very or revise these terms and conditions, and the revised terms and conditions shall apply on the date it is published on its platform. Where you continue to use Finlig’s marketplace afterward, you shall be bound by the platform terms and conditions in force.


  1. No form of indulgence in breaching any part of these terms and condition shall be construed to mean a waiver of any right accrued to Finlig or shall constitute a license for continuous breach of same.


    1. If any provision or part of a provision of this terms and conditions is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part of a provision(s) shall be deemed deleted. Any modification to or deletion of a provision or part of a provision(s) under this clause shall not affect the legality, validity and enforceability of the rest of these terms and conditions. 


    1. You hereby agree that Finlig may assign, transfer, sub- contract or otherwise deal with its rights and obligations contained in these terms and condition as its please.
    2. You agree that you shall supply information about yourself, which may include personal information to Finlig and Finlig shall deal with such information for the purpose of completing transactions on your behalf or access/contact you through the information supplied by you. 
      1. You shall not, EXCEPT under your seal and with our prior written consent assign, transfer, sub-contract any of your rights or obligation in relation to these terms and condition to any third party or person(s).


    1. These terms and conditions and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. 
    2. Parties shall first explore mediation and/or arbitration in resolving any dispute that may arise from this terms and conditions AND WHEREAS, the place of mediation and/or arbitration shall be Lagos State, Nigeria.
    3. Where parties fail to resolve its dispute by Arbitration, recourse may be made to a court with competent jurisdiction in Nigeria at the instance of any of the parties. 
    4. During the pendency of any dispute resolution exercised whether by negotiations or arbitration, the Parties shall be bound by the terms of this marketplace and shall continue to perform their respective obligations not under dispute under these terms and conditions.  


    1. You may contact us via the channels provided on this platform.
      1. You consent to receive notices electronically from us or if need be, dispatch or send same to your address as provided. We may provide all communications and information related to your use of the platform in electronic format and make same known to you either by posting it on our platform or by sending same to your email address or by text message.
      2. All such special means of communication above, shall be deemed to be notices in writing and received by and properly given to you.