FINTACLOUD MARKETPLACE TERMS AND CONDITIONS
These Terms govern the FINTACLOUD website, marketplace, merchant workspaces and transaction records. By using the Platform, you agree to them.
1Definitions and Service
FINTACLOUD is a marketplace technology and transaction-management platform operated by the FINTACLOUD platform operator.
2Platform Role
FINTACLOUD is not a bank, deposit-taking institution, escrow company or payment service provider. It does not accept deposits or independently hold customer funds. Regulated payment services are provided by the provider shown at checkout under that provider's terms.
3Eligibility
You must have legal capacity, provide accurate information and use the Platform lawfully.
4Accounts
You are responsible for your credentials and account activity. Notify support promptly of suspected unauthorized access.
5Verification
FINTACLOUD or its providers may request identity, business or bank-account information for fraud prevention, Platform safety, provider requirements or law.
6Marketplace Listings
Merchants are responsible for accurate, current and lawful listings. Publication is not an endorsement by FINTACLOUD.
7Order Records
An order may identify the parties, item or service, price, delivery method, fee and agreed terms. Buyers must review it before paying.
8Payment Processing
Payments are processed by an integrated third-party provider. The provider may allocate or settle proceeds through supported marketplace or subaccount infrastructure. FINTACLOUD records provider-reported status but does not independently receive or hold buyer funds.
9Payment Confirmation
Screenshots and buyer-supplied receipts are not authoritative confirmation. Sellers should rely on status generated from a verified provider event or response.
10Fulfillment and Delivery
Sellers remain responsible for lawful fulfillment, delivery information, packaging and proof of delivery.
11Order Completion
Completion is a recordkeeping status. It does not release funds held by FINTACLOUD and does not prevent a provider, bank, network, regulator or court from applying a lawful refund, reversal, chargeback, freeze or correction.
12Issue Reporting and Support Review
A buyer or seller may report a material issue. FINTACLOUD may collect order details and evidence to assist review and communication. Reporting an issue does not automatically pause provider settlement, guarantee a refund or determine legal rights.
13Evidence
Evidence must be authentic, relevant and lawfully obtained. Do not submit passwords, authentication codes or unrelated sensitive data.
14Fraudulent or Abusive Claims
Users must not fabricate evidence, make knowingly false claims, impersonate others or attempt to obtain goods, services or money dishonestly. Accounts may be restricted and suspected unlawful conduct reported.
15Refunds Reversals and Chargebacks
Refunds are processed through the applicable provider where supported and may require merchant authorization, provider approval or another lawful basis. Reversals and chargebacks are controlled by the provider, bank or payment network. FINTACLOUD may assist with records but cannot guarantee outcome, timing or recovery after settlement.
16Marketplace Fee
The FINTACLOUD platform fee is 1.7% of the applicable transaction amount, capped at ₦15,000 per transaction. The checkout identifies the party charged. Third-party charges may apply separately.
17Fee Changes
Fee changes apply prospectively and do not alter a fee already displayed and accepted for completed checkout.
18Seller Proceeds
Displayed seller proceeds are estimates before provider, bank, tax, refund, reversal, chargeback or other authorized deductions. Timing is controlled by the provider and financial institutions.
19Buyer Obligations
Buyers must review the order, pay through displayed checkout, provide accurate delivery information and raise genuine concerns with relevant information.
20Seller Obligations
Sellers must describe offerings accurately, fulfill accepted orders, comply with law, maintain records and honor lawful refund obligations.
21Prohibited Activity
The Platform must not be used for fraud, money laundering, sanctions evasion, unauthorized financial services, illegal or stolen goods, counterfeit products or other prohibited activity.
22Merchant Verification
Verification labels reflect checks completed at a particular time and are not warranties of conduct, licensing, product quality or future performance.
23Reviews and User Content
User content must be truthful, relevant and lawful. You grant FINTACLOUD a limited licence to host it for Platform operation.
24Third Party Services
Payment, banking, logistics and identity providers operate under their own terms. FINTACLOUD is not responsible for third-party decisions outside its reasonable control.
25Security
Users must not disrupt or bypass Platform security. FINTACLOUD may use authentication, authorization, rate limiting, audit logs and provider-event verification.
26Privacy
Personal data is handled under the FINTACLOUD Privacy Policy and applicable Nigerian law.
27Service Availability
The Platform may be unavailable because of maintenance, provider outages or events outside reasonable control.
28Suspension and Termination
Access may be restricted for security, fraud prevention, legal compliance, provider requirements or material breach.
29Intellectual Property
The Platform, software and branding belong to FINTACLOUD or its licensors.
30Disclaimers
The Platform is provided as available. Marketplace listings come from independent merchants. FINTACLOUD does not guarantee payment, delivery, quality, refund or recovery.
31Limitation of Liability
To the extent permitted by law, FINTACLOUD is not liable for indirect loss, merchant or buyer conduct, or third-party provider decisions. Rights that cannot lawfully be excluded remain unaffected.
32Indemnity
You are responsible for losses reasonably arising from your unlawful use, fraud, material breach or infringement of another person's rights.
33Changes
Material changes will be posted with an updated date and may be communicated through the Platform.
34Governing Law and Disputes
These Terms are governed by Nigerian law. Contact support first for good-faith resolution. Courts of competent jurisdiction in Nigeria retain jurisdiction subject to mandatory rights.
35Contact
Support: support@fintacloud.com. General enquiries: info@fintacloud.com. Privacy: privacy@fintacloud.com. Technical: dev@fintacloud.com.