Teyweb Customer Terms of Service

1. Purchases, Checkout & Payment Methods

A. Online Card, USSD & Bank App Payments

• PCI-DSS Certified Processing: Online card payments (Mastercard, Visa, Verve) and USSD transactions are tokenized and processed through certified Level 1 PCI-DSS payment gateways (including Flutterwave and Paystack). Teyweb never stores your full card numbers, CVVs, or bank security PINs.
• 3D Secure Verification: To protect cardholders against unauthorized transactions, card transactions require two-factor 3D Secure authentication (such as a one-time password sent by your issuing bank).

B. Direct Bank Transfer & Payment Receipt Uploads

Where a merchant enables Direct Bank Transfer, you may transfer funds via your mobile banking app directly to the merchant's displayed commercial bank account and upload a payment receipt screenshot:

• Merchant Verification Required: An uploaded transfer receipt does not constitute order confirmation. The order remains in a "Pending Payment Verification" state until the merchant confirms cleared interbank funds in their banking app.
• Criminal Prohibition on Fraudulent Slips: Uploading forged, altered, photoshopped, fictitious, or reversed payment slips is a severe criminal offense under the Cybercrimes (Prohibition, Prevention, etc.) Act, 2015 and applicable financial fraud statutes. Any attempt to upload fraudulent receipts will result in immediate buyer account termination, platform blacklisting, and referral to law enforcement.

C. Pay on Delivery (POD)

Where offered by the merchant, Pay on Delivery requires you to have the exact cash or electronic payment ready upon courier presentation. Frivolous order cancellations upon delivery, unreachable contact numbers, or repeated delivery refusals may lead to permanent platform-wide restriction of your phone number and delivery addresses.

2. Pricing, Statutory Taxes & Processing Surcharges

• Pricing Authority: Product catalog prices, promotional discounts, and delivery shipping rates are determined solely by the merchant.
• Value Added Tax (VAT): Where the merchant is a registered corporate entity with automated tax calculation enabled, statutory Value Added Tax (e.g., 7.5% Nigerian VAT) or sales tax will be clearly itemized on the checkout screen and order invoice.
• Payment Surcharges: In accordance with consumer pricing transparency rules, where a merchant elects to allocate gateway processing fees to the buyer (transactionCostBearer: "customer"), the exact processing surcharge is displayed transparently on the checkout summary prior to payment submission.

3. Order Fulfillment, Shipping & Delivery

• Merchant Fulfillment Duty: The merchant is solely responsible for packing, handling, and delivering your order within the estimated timeline published on their store.
• Accurate Address Information: You must provide an accurate residential or commercial delivery address and a reachable phone number for courier coordination. Neither the merchant nor Teyweb is responsible for delivery delays resulting from incorrect address information.
• No Delivery Guarantee by Platform: Teyweb does not operate couriers or warehouses and does not guarantee delivery timeframes, tracking accuracy, or carrier performance.

4. Returns, Exchanges, Refunds & Store Policies

• Store Refund Policy Governs: Each merchant establishes their own return eligibility rules, exchange timelines, and refund terms, which are published in the store's footer. You must review the store's refund policy before completing an order.
• Platform Refund Portal: Teyweb provides an automated refund request tracking interface for your convenience. If an order is eligible for a return under the merchant's policy, you may initiate a refund request through your order confirmation screen or customer dashboard.
• No Platform Fund Custody: Teyweb does not custody buyer funds and cannot unilaterally debit a merchant's private commercial bank account to issue a refund. Approved refunds are disbursed by the merchant or processed back to your original payment card by the payment gateway.

5. Customer Accounts & Portal Security

You may browse and check out as a guest or create a customer account to track order statuses, view historical receipts, and save delivery addresses:

• You agree to provide truthful, accurate, and current contact details.
• You are responsible for safeguarding your customer account password and one-time verification tokens (OTPs).
• You must notify the store merchant and Teyweb immediately if you notice unauthorized orders placed under your account.

6. Product Reviews & User Conduct Code

When posting product reviews, ratings, or feedback on a Teyweb-powered store, you agree that:

• Your review reflects an honest, genuine experience with the product or merchant.
• You will not submit defamatory, abusive, profane, extortionate, or sexually explicit content.
• You will not post promotional links, spam, or competitor advertisements.
• Merchants and Teyweb reserve the right to moderate, unpublish, or delete reviews that violate these standards or contain unverified defamatory allegations.

7. Consumer Protection Rights (FCCPA 2018)

In accordance with the Federal Competition and Consumer Protection Act, 2018 (FCCPA 2018), consumers are entitled to fair dealing, honest representations, and merchant accountability. While Teyweb operates as an intermediary technology platform pursuant to Section 130 of the FCCPA, we require all merchants to adhere to honest trade practices, accurate product descriptions, and transparent refund guidelines.

8. Reporting Fraudulent Stores & Store Abuse

Teyweb takes consumer protection, anti-scam measures, and platform integrity very seriously. If you believe a store hosted on our platform is engaged in fraudulent activities (such as taking payment without delivering goods, selling dangerous prohibited goods, or impersonating a genuine brand):

• Direct Store Contact: First attempt to contact the merchant using the contact form, phone number, or email published on their store.
• Report Store to Teyweb: If the merchant is unresponsive or fraudulent, click the "Report Store" link located in the footer of any storefront, or email our Trust & Safety team at [email protected].
• Platform Sanctions: We actively investigate complaints and have full authority to freeze merchant payouts, take stores offline, and permanently blacklist fraudulent operators under our store sanction system (StoreSanction).

9. Privacy & Customer Data

When you purchase from a merchant store, your personal data (name, address, phone number, email, and order items) is shared with the merchant solely to fulfill your order and provide customer service. Both Teyweb and the merchant handle your data in accordance with our Privacy Policy and the Nigeria Data Protection Act (NDPA 2023). Teyweb never sells your personal information to third parties.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TEYWEB TECHNOLOGIES LIMITED SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH: (A) PRODUCTS PURCHASED FROM INDEPENDENT MERCHANTS; (B) DEFECTIVE, DAMAGED, OR DANGEROUS GOODS; (C) COURIER DELIVERY FAILURES OR CARRIER LOSSES; (D) MERCHANT MISREPRESENTATIONS OR FAILURE TO HONOR REFUND POLICIES; OR (E) DISPUTES BETWEEN YOU AND A STORE OWNER. YOUR SOLE REMEDY FOR ANY PRODUCT DEFECT OR ORDER FAILURE LIES AGAINST THE INDEPENDENT MERCHANT.

11. Governing Law & Jurisdiction

These Customer Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any legal disputes arising directly between you and Teyweb Technologies Limited regarding platform software shall be subject to the jurisdiction of the competent courts of the Federal Republic of Nigeria.

12. Contact & Platform Inquiries

If you have questions regarding an existing order, please contact the merchant directly via their store contact page. For general inquiries or to report technical platform issues, you may contact our customer support desk: