Terms of Use

1.1. General Acceptance

By accessing, browsing, or otherwise using the SARAWARKGLOBAL website and services (the "Platform"), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions and our associated policies, including our Privacy Policy and Intellectual Property Policy. These terms govern your access to and use of all SARAWARKGLOBAL services. You are strongly encouraged to read these terms in their entirety and carefully consider them before creating an account or using the services. Your presence on this website, interaction with any information provided herein, or creation of an account constitutes an explicit, unconditional, and unreserved acceptance of all following terms and conditions. If you find any portion of these terms unacceptable or disagree with them, you must immediately cease all use of this website and uninstall our application.

1.2. Legal Capacity and Authority

You represent and warrant that you meet the following criteria:

1.2.1 Legal Age: You are of legal age to form a binding contract in your jurisdiction.

1.2.2 Capacity to Consent: You possess the full legal capacity to give consent to these Terms and understand the laws, rules, and restrictions that govern your use of the Platform.

1.2.3 Individual Use: If you are using the services as an individual consumer, you have the necessary authority to purchase the features, services, or products displayed on the platform for your own benefit.

1.3. Business Use and Organizational Authority

If you are accessing or using our marketplace for business purposes (e.g., on behalf of a company, non-profit organization, or team):

1.3.1 Organizational Agreement: You are agreeing to these Terms on behalf of both yourself as an individual and the organization you represent.

1.3.2 Confirmation of Authority: By proceeding, you confirm that you have the proper authority to legally bind that organization to these Terms. In this context, references to "you" within these Terms refer to both the individual user and the organization on whose behalf the services are used.

2.1. Age Requirements and Minor Usage

(a) Minimum Age: Users must be at least 18 years old, or possess permission from a parent or legal guardian who can consent to a binding contract on their behalf. Persons under the age of 18 are advised not to use SARAWARKGLOBAL services without this explicit consent.

(b) Adult Content Responsibility: You are responsible for ensuring that any related products or features intended for adult audiences only are restricted appropriately.

2.2. Account Information and Security

Creating an account with SARAWARKGLOBAL requires the submission of personal information, which remains confidential to you.

2.2.1 Confidentiality: You are required not to disclose your username or password to any third party. Keep your credentials confidential.

2.2.2 Monitoring and Updating: You agree to monitor and update your account information regularly to restrict use by minors or unauthorized third parties.

2.2.3 Accuracy of Information: You agree that all information provided to us is true, accurate, complete, and not misleading. You may not use a name other than your legal real name for your account registration.

2.2.4 Account Responsibility: You are responsible for all activities carried out under your account. Every order, product, and service transaction made using your account is considered to be exclusively made by you. Third-party usage is entirely at your own risk.

2.2.5 Liability for Unauthorized Use: If your account is accessed by minors or third parties, you accept full responsibility for any unauthorized activities, losses, or damages that occur within your account.

2.3. Eligiblity and Geo-location Restrictions

By using our marketplace, you agree that you meet the necessary eligibility criteria:

2.3.1 Binding Contract: You must be able to enter into a binding contract with us.

2.3.2 Location: The services are primarily intended for users located within Nigeria.

2.3.3 Prohibited Jurisdictions: You may not use our services if:

(a) You are a resident of, or located in, a country or region subject to comprehensive trade embargoes or sanctions by Nigeria, the United States, the European Union, or the United Nations.

(b) You appear on any government sanctions or denied persons list.

(c) You have been previously banned from the services by us for a violation of our Terms.

2.4. Account Management and Limitations

2.4.1 Transfer Prohibition: You are not allowed to transfer access or ownership of your Account to another person or corporate entity.

2.4.2 Notification of Breach: You agree to immediately notify SARAWARKGLOBAL of any unauthorized use of your username or password, or any other security violations.

2.4.3 Account Violations: You are responsible for any actions or violations that warrant the cancellation or deletion of your Account.

2.4.4 Single Account Limit: Only one account is permitted per user. We reserve the right to identify duplicate accounts using technical analysis (e.g., matching phone numbers) and merge them into a single account.

2.4.5 Legal Capacity: Users must confirm they have the full legal capacity to enter into binding contracts within their jurisdiction of residence. Minors may not use this platform without appropriate parental consent and supervision in compliance with applicable law.

2.4.6 Prohibited Jurisdictions: We reserve the right to monitor, restrict, or block access from specific regions or jurisdictions due to legal, compliance, or sanctions requirements. Access from these areas may be permanently prohibited.

Users and guests are strictly prohibited from engaging in any activity that compromises the integrity of our platform, violates the law, infringes upon the rights of others, or disrupts the experience of other users. You understand and agree that you will not engage in any of the following activities:

3.1. Unlawful and Harmful Content & Conduct

3.1.1 Illegal Activities: You may not use the platform in any way that violates applicable local, state, national, or international laws or regulations.

3.1.2 Misleading Content: You are forbidden from using our features, advertisements (including those provided by SARAWARKGLOBAL), or products to generate or disseminate misleading social content or participate in deceptive practices.

3.1.3 Infringement of Rights: Engaging in any activity that misappropriates the privacy, publicity, or other legal rights of any person, entity, or organization is strictly prohibited.

3.1.4 Harmful Communication: You must not transmit, post, or facilitate content that is unlawful, deceptive, defamatory, pornographic, obscene, discriminatory, harassing, threatening, or promotes violence or illegal acts against any individual or group, both during and after the use of the Service.

3.1.5 Spam and Unauthorized Promotion: Your use must not constitute spam, unauthorized promotion, advertising, or the distribution of unsolicited commercial electronic communications or bulk messages.

3.2. Platform Security and System Integrity

3.2.1 Price Manipulation: You agree not to manipulate or interfere with the prices of listed products or services in an unauthorized manner.

3.2.2 Account Security and Impersonation: You are strictly prohibited from attempting to compromise the security or integrity of other user's accounts. This includes using stolen credentials, access tools, or methods to impersonate another person, entity, or misrepresent your affiliation with any individual or organization.

3.2.3 System Disruption: You will not disrupt, compromise, or interfere with the security, integrity, or proper functioning of any computer network, communications system, or the Services' infrastructure.

3.2.4 Security Bypass: You may not bypass, disable, or circumvent any security feature, access control, or technological protection measure implemented within our Services.

3.2.5 Automated Access (Bots/Scraping): The use of any automated system, including but not limited to "robots", "spiders", "scrapers", "crawlers", or offline readers, to access, monitor, or copy data from the Services is strictly prohibited without our explicit prior written consent. (This does not typically apply to standard public search engines accessing publicly available information).

3.2.6 System Overload: You must not employ any process (such as auto-responders, automated posting, scripts running while not logged in, "flooding", "mail bombing", or "denial-of-service" attacks) that places an unreasonable or disproportionate load on our infrastructure or network capacity.

3.2.7 Malware Distribution: You must not introduce or upload to the Services any viruses, Trojan horses, worms, logic bombs, time bombs, cancelbots, or other material that is malicious or technologically harmful.

3.2.8 Operational Interference: You will not take any action designed to intentionally damage, disable, overburden, or impair the proper working of the Services or the experience of other users.

3.3. Permitted Use of Services

We grant eligible users a limited, non-exclusive, non-transferable right to access and use our platform:

3.3.1 Users are expressly allowed to view and download our mobile application from authorized app stores.

3.3.2 Users may create a personal account and utilize the provided services, features, and functionalities strictly for their own personal, non-commercial benefit, unless otherwise agreed upon in a separate written agreement.

3.4. Additional Platform License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the platform for personal, non-commercial purposes, subject to these terms.

3.4.1 We provide an online marketplace connecting buyers with third-party sellers.

3.4.2 We act as intermediaries, not manufacturer or direct seller for most products.

3.4.3 Services may include: (a) Product listings and search functionality (b) Payment processing (c) Order management (d) Customer support coordination (e) Logistics coordination

3.5. Scope of Services

3.5.1 We facilitate the sale of Products listed on the Platform.

3.5.2 We may engage third-party vendors, couriers, and service providers to fulfill orders.

3.5.3 We reserve the right to modify, suspend, or discontinue any aspect of the Platform at any time.

3.6. Definitions

Customer/User/Guest: Any individual or entity visiting or purchasing through the Site. Products: Physical or digital items offered for sale.

Service Providers: Third-party entities assisting in operations (e.g., logistics, payment processors). By using our Site or transacting with us, registering an account, or placing an order, you agree to be legally bound by these Terms and all applicable laws and regulations governing business and consumer operations in Nigeria.

This policy establishes the ownership rights regarding all materials, content, and intellectual property found on or generated through the SARAWARKGLOBAL platform ("Our Platform" or "Services"). We are committed to protecting our intellectual property and respecting the intellectual property rights of others. This policy outlines our approach to intellectual property, the legal protections in place under Nigerian law, and the procedures for reporting and handling infringement claims. All content and assets available on SARAWARKGLOBAL e-commerce platform are protected by various Nigerian intellectual property laws, primarily the Copyright Act 2022 and the Trademarks Act LFN 2004.

5.1 Ownership of Our Platform and Content

We own all the rights, title, and interest in our technology, website, application, brand, and core content. Specifically, we own:

5.1.1 The Services: All aspects of the SARAWARKGLOBAL platform, including the underlying software, source code, systems, architecture, and design.

5.1.2 Our Content and Branding: All text, graphics, logos, images, audio clips, data compilations, digital downloads, and our trademarks, service marks, and trade dress (unless otherwise specified).

5.1.3 Feedback and Data: Any feedback, suggestions, recommendations, or data derived from your use of the platform that helps us improve the service (this data is typically aggregated and anonymized).

You are granted a limited, non-exclusive, non-transferable license to use Our Platform for its intended purpose, in accordance with our Terms of Service, but you do not acquire any ownership rights to Our Platform or our content by using it.

5.2 Our protected assets include, but are not limited to:

5.2.1 Trademarks: SARAWARKGLOBAL name, logo, slogans, domain name, and overall brand identity are registered trademarks (or applications are pending) with the Nigerian Trade Marks Registry. Unauthorized use of these marks is strictly prohibited.

5.2.2 Copyrighted Content: All original content on our platform, including website design, graphics, product images, descriptions, text, articles, software code, and video content, is protected by copyright

5.2.3 Trade Secrets & Confidential Information: Our internal business processes, specific algorithms, customer lists, and proprietary data are treated as confidential trade secrets, protected under common law principles of confidentiality.

5.2.4 Industrial Designs: The unique aesthetic design or shape of any proprietary products we offer may be protected under the Patents and Designs Act. You may not use, reproduce, distribute, modify, or create derivative works of any of our IP without our express written permission.

5.3 Ownership of User-Generated Content (UGC)

You retain ownership of the original intellectual property that you create and upload to our platform. Specifically, you own:

5.3.1 Your Submissions: Any original text, photos, reviews, data, or files you upload, post, or transmit, provided that you created them and own the rights to them.

5.3.1 Your Submissions: By submitting your content, you grant SARAWARKGLOBAL a necessary license to use that content to operate, market, and improve our services. Which essentially gives us a non-exclusive right to display, distribute, and reproduce your content within the scope of our business operations.

5.4 Respect for Third-Party IP

SARAWARKGLOBAL is committed to a platform free from intellectual property infringement. If you are a vendor or user uploading content to our platform, you must ensure that your content (including product listings, images, and descriptions) does not infringe upon the copyrights, trademarks, patents, or trade secrets of any third party. We will promptly remove content that is found to infringe the IP rights of others and may terminate the accounts of repeat infringers. Content from third parties may appear on Our Platform (e.g., partner advertisements, linked articles, product images from manufacturers).

5.4.1 Third-Party Ownership: All third-party trademarks, product names, company names, and logos are the property of their respective owners. We do not grant you any rights to use these third-party materials.

5.4.2 Respecting Rights: You agree not to infringe upon the intellectual property rights of any third parties while using Our Platform.

5.5 Copyright Infringement and DMCA

We respect the intellectual property rights of others and expect our users to do the same.

5.5.1 Reporting Infringement: If you believe your copyright has been violated on Our Platform, please follow our procedures for reporting infringement, which are designed to comply with applicable laws (like the US Digital Millennium Copyright Act - DMCA, or equivalent local regulations)

5.5.2 Removal: We will promptly investigate and remove content found to be infringing upon valid copyrights. Repeat infringers may have their accounts terminated.

5.6 Procedure for Reporting Infringement (Takedown Notice)

If you believe that your intellectual property rights have been infringed by a user or content on our platform, you (or your authorized agent) may send a formal "Takedown Notice" to our designated agent. This procedure is in line with the provisions of the Nigerian Copyright Act 2022. Your notice of infringement must be in writing and include the following details:

5.6.1 Identification of Your Work: A clear description of the copyrighted work, trademark, or other intellectual property you claim has been infringed.

5.6.2 Proof of Ownership: Evidence that you own the IP (e.g., copies of your registration certificates from the Nigerian Copyright Commission or the Nigerian Trade Marks Registry).

5.6.3 Identification of Infringing Content: The specific location (URLs or description) of the material on our platform that you claim is infringing your rights.

5.6.4 Contact Information: Your full name, address, phone number, and email address.

5.6.5 A Statement of Good Faith: A declaration that you have a good faith belief that the disputed use is not authorized by the IP owner, their agent, or the law.

5.6.6 A Statement Under Penalty of Perjury: A statement that the information in your notice is accurate and that you are the IP owner or authorized to act on their behalf.

5.6.7 Signature: Your physical or electronic signature.

Please send your Takedown Notice to our Designated IP Agent: Sarawarkglobal IP Compliance Team Email: compliance@sarawarkglobal.com Physical Address: BB24a Electronics Alaba International Market Ojo Lagos. Phone Number/Whatsapp (Optional): +234 812 777 7747

5.7 Counter-Notice Procedure

If content you uploaded is removed due to an infringement notice, and you believe the content was removed mistakenly or lawfully (e.g., under "fair dealing" provisions), you may send a counter-notice. The counter-notice must also be in writing and include:

5.7.1 Identification of Removed Content: The URLs or description of the material that was removed.

5.7.2 Your Contact Information: Your full name, address, phone number, and email address.

5.7.3 A Statement of Good Faith: A statement that you have a good faith belief that the material was removed as a result of mistake or misidentification.

5.7.4 Consent to Jurisdiction: A statement consenting to the jurisdiction of the Federal High Court of Nigeria in the district where your address is located, and that you will accept service of process from the person who provided the initial infringement notice.

5.7.5 Signature: Your physical or electronic signature.

We will review valid counter-notices and may restore the content within a certain timeframe unless the complaining party files a court action seeking an injunction against you.

6.1. Liability Release and Waiver of Claims

You hereby release and forever discharge SARAWARKGLOBAL and our affiliates, directors, officers, employees, and agents from any and all claims, demands, damages (actual and consequential), losses, liabilities, actions, lawsuits, costs, and expenses of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Services or any interactions with other users or third-party advertisers. You expressly waive any rights you may have under any statute or common law principles that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

6.2. Limitation of Liability

PLEASE READ THIS SECTION CAREFULLY, AS IT LIMITS OUR LIABILITY TO YOU. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SARAWARKGLOBAL, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO: (a) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (b) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; (c) ANY CONTENT OBTAINED FROM THE SERVICES; OR (d) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

6.3. Cap on Liability

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF SARAWARKGLOBAL FOR ALL CLAIMS RELATING TO THE SERVICES AND/OR PRODUCTS EXCEED THE GREATER OF:

6.3.1 THE AMOUNT YOU PAID TO SARAWARKGLOBAL FOR THE SPECIFIC PRODUCTS OR SERVICES GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE LIABILITY; OR

6.3.2 ONE THOUSAND NIGERIAN NAIRA (NGN 1,000).

6.4. Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN THOSE JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

6.5. Warranty Disclaimer

THE FOLLOWING DISCLAIMER APPLIES TO ALL PRODUCTS, SERVICES, AND CONTENT PROVIDED BY SARAWARKGLOBAL: YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES AND ANY PRODUCTS PURCHASED THROUGH OUR PLATFORM IS ENTIRELY AT YOUR SOLE RISK.

6.5.1 "AS IS" AND "AS AVAILABLE" BASIS

ALL SERVICES AND PRODUCTS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SARAWARKGLOBAL HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE SERVICES AND ANY PRODUCT, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND SECURITY.

6.5.2 NO GUARANTEES

SARAWARKGLOBAL MAKES NO WARRANTY THAT: (1) THE SERVICES OR PRODUCTS WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS; (2) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (3) THE RESULTS OBTAINED FROM THE USE OF THE SERVICES OR PRODUCTS WILL BE ACCURATE OR RELIABLE; OR (4) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE PLATFORM WILL MEET YOUR EXPECTATIONS.

6.5.3 EXCLUSIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS IN THIS SECTION MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

6.5.4 MANUFACTURER'S WARRANTY: WE DO NOT OFFER ANY SEPARATE WARRANTY ON PHYSICAL PRODUCTS BEYOND WHAT IS REQUIRED BY LAW. ANY WARRANTIES PROVIDED FOR PHYSICAL PRODUCTS ARE PROVIDED SOLELY BY THE ORIGINAL MANUFACTURER OF THAT PRODUCT. PLEASE CONSULT THE DOCUMENTATION THAT CAME WITH YOUR PRODUCT FOR DETAILS REGARDING THE MANUFACTURER'S WARRANTY.

6.6. Indemnification

We are not liable for: (1) Third-party seller actions or product quality (2) Indirect, incidental, or consequential damages (3) Errors in product descriptions or pricing (4) Delivery delays or failures (5) Maximum liability limited to the purchase price of the relevant product. Users agree to indemnify us against claims arising from: (1) Breach of these Terms (2) Violation of laws or third-party rights (3) Use of the platform.

6.7. Third-Party Sellers and Products

(1) We verify seller credentials but don't warrant product quality or seller reliability. (2) Seller terms are independent of our Terms. (3) Product information is provided by sellers; we don't guarantee accuracy.

6.8. General Provisions

(1) Severability: If any provision is invalid, remainder remains enforceable. (2) No waiver of terms unless in writing. (3) Force majeure: Not liable for delays beyond reasonable control.

These Terms of Service ("Terms") govern your access to and use of the website, mobile applications, and all related services (collectively, the "Platform"). By accessing or using our Platform, you agree to be bound by these Terms and our Privacy Policy.

7.1. The Platform as a Venue/Marketplace

SARAWARKGLOBAL acts primarily as a venue or marketplace connecting buyers with independent third-party vendors/sellers. We provide the technology to facilitate transactions but are not the direct seller of products listed by these independent vendors, unless specifically stated otherwise (e.g., for "Shipped by Sarawark” items). We are not an agent for any vendor, and vendors are not our agents. The contract for sale is directly between the buyer and the vendor for third-party listings. (1) The platform may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these sites. (2) We verify seller credential but don't warrant product quality or seller reliability. (3) Seller terms are independent of our Terms (4) Product Information is provided by sellers; we don't guarantee accuracy.

7.2. Third-party Sharing

Your data may be shared with: (1) Payment processors; (2) Shipping and logistics partners; (3) Analytics and marketing providers; (4) Legal authorities if required by law. We ensure third parties adhere to data security standards.

(a) Product Descriptions: While we strive to be accurate as possible in our product descriptions, pricing, and visual representations (images, videos). However we do not guarantee that product descriptions, images, pricing, or other content are entirely accurate, complete, reliable, or error-free. (b) Pricing and Currency: All prices are listed in Nigerian Naira (NGN) unless stated otherwise and include applicable taxes where required. (c) We reserve the right to correct pricing errors and cancel orders if the listed price is incorrect. (d) Availability: All products are subject to availability. We reserve the right to limit the quantity of products we supply and to refuse service or cancel orders at our sole discretion. We will notify you promptly if an item you ordered is unavailable.

8.1. Pricing and Payment

(1) Currency and Taxes: All prices listed are in Nigerian Naira (NGN) unless otherwise specified. Prices are subject to applicable taxes (e.g., VAT) which will be added at checkout as required by law.

(2) Payment Processing: We may include bank transfers, card payments, mobile money, and other electronic options. You agree to pay all charges incurred until the order is complete. We also use secure third-party payment processors (e.g., Paystack, Flutterwave). By using these services, you agree to their terms and conditions. We are not responsible for errors or issues arising from the payment processors

(3) Payment Authorization: By submitting your order, you authorize us to charge your selected payment method for the total amount of your order, including applicable taxes and shipping fees

(4) Order Acceptance/Rejection: We reserve the right to refuse or cancel any order for any reason, including limitations on quantities available for purchase, inaccuracies in product information, or suspected fraud.

8.2. Third-party Sharing

All prices displayed on the Platform are in Nigerian Naira (NGN) and, unless explicitly stated otherwise, are inclusive of Value Added Tax (VAT) at the prevailing rate of 7.5% as required by Nigerian law. Where prices are shown exclusive of VAT, the applicable VAT amount will be clearly indicated and added at checkout.

SARAWARKGLOBAL charges and collects VAT on its platform fees, commissions, and any other taxable services it provides. For transactions involving third-party sellers, VAT obligations on the goods/services sold remain the responsibility of the respective seller unless SARAWARKGLOBAL is required by the Nigeria Revenue Service to collect VAT on the full transaction value. You agree to comply with all applicable tax laws, including the timely payment and remittance of any taxes due on your transactions.

14.1 Termination by the User (Closing Your Account)

You maintain the right to end your relationship with SARAWARKGLOBAL and discontinue the use of our services at any time. (1) How to Terminate: You may close your account by [contacting customer support@sarawarkglobal.com through our help center / visiting the "Delete Account" section in your profile settings]. (2) Effect of Termination: Upon the termination of your account by you, your access to the services will be revoked. You remain responsible for any outstanding payments or obligations incurred prior to the effective date of termination.

14.2 Suspension or Termination by SARAWARKGLOBAL (Our Rights)

We reserve the right to suspend or terminate your access to the Services or your Account immediately, without prior notice, at our sole discretion, and without liability to you. We will generally exercise this right if: (1) Breach of Terms: You breach any of the terms, conditions, or policies outlined in this agreement, our Privacy Policy, or any other guidelines provided on the platform. (2) Legal Requirement: We are required to do so by law or a court order. (3) Security Risk: We reasonably believe your actions are causing legal liability, compromising the security of our platform, or disrupting the services for other users. (4) Inactivity: Your account has been inactive for a prolonged period (12 months).

14.3 Effect of Termination (General Provisions)

Upon the termination of the service relationship for any reason, the following applies: (a) Access Revoked: Your license to use the Services immediately ends, and you must cease all use of the platform. (b) Data Deletion: We may delete your account and associated data and content. We are not liable for the loss of any data following termination. (Please refer to our Privacy Policy for data retention specifics.) (c) Surviving Obligations: Certain sections of our Terms that by their nature should survive termination will remain in effect, including provisions related to intellectual property ownership, disclaimers of warranty, liability limitations, and dispute resolution clauses (arbitration agreement, class action waiver). (d) Outstanding Payments: Termination does not relieve you of any obligation to pay any fees or charges accrued prior to the effective date of termination.

When you download, install, or use our mobile application ("The App") from third-party platforms such as the Apple App Store or Google Play Store (collectively, "App Stores"), you acknowledge and agree that your usage is subject to both our own Terms of Service and the specific rules and policies mandated by those App Stores.

15.1 Compliance with App Store Terms

By downloading The App, you confirm that you have read, understood, and agree to comply with the applicable terms of service and usage guidelines set forth by the App Store from which you obtained the application (Apple Media Services Terms and Conditions or Google Play Terms of Service).

15.2 End User License Agreement (EULA)

The license granted to you for The App is a non-transferable license to use the application on any device that you own or control, as permitted by the App Store's specific usage rules. This license is subject to the limitations set forth in our primary Terms of Use.

15.3 Relationship Between Parties

You acknowledge the following specific agreements: (1) You and Us: Your contract is strictly between you and SARAWARKGLOBAL. The respective App Store is not a party to our Terms of Service or this policy. (2) Maintenance and Support: SARAWARKGLOBAL is solely responsible for providing any maintenance and support services for The App. The App Stores have no obligation whatsoever to furnish any maintenance and support services with respect to The App. (3) Product Claims: We are responsible for addressing any claims related to The App or your possession and use thereof, including but not limited to: (i) product liability claims; (ii) any claim that The App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. (4) Intellectual Property: If a third party claims that The App or your possession and use of The App infringes on their intellectual property rights, SARAWARKGLOBAL, not the App Store, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

15.4 Third-Party Beneficiary

You acknowledge and agree that the App Stores (and their subsidiaries) are third-party beneficiaries of our Terms of Service and this Policy. Upon your acceptance of our terms, the App Stores have the right (and will be deemed to have accepted the right) to enforce these terms against you as a third-party beneficiary.

A. Information We Collect

B. Information you provide: Account and contact information (name, email, phone number, address, password) Payment information (processed by secure third parties) Shipping address and contact details Communications with customer service.

16.1 Automatically collected information:(1) Device information (IP address, browser type) (2) Usage data (pages visited, time spent) (3) Cookies and similar technologies data

16.2 Information from third parties: (a) Social media platforms (if connected) (b) Payment processors (c) Analytics providers (d) Marketing partners

16.3 How We Use your Information (1) To provide and maintain our services (2) To process transactions and send order confirmations (3) To communicate about products, services, and promotions (4) To personalize user experience (5) To detect, prevent, and address technical issues or fraud (6) For legal compliance and dispute resolution

16.4 Information Sharing and Disclosure

A. We share information with: (1) Sellers (necessary for order fulfillment) (2) Payment processors (3) Shipping and logistics partners (4) Service providers (hosting, analytics, marketing partners, couriers) (5) Legal authorities when required by law B. We do not sell personal information to third parties for marketing purposes without consent.

16.5 Data retention & Security

A. We retain personal data only as long as necessary for the purpose it was collected or as required by law. (1) We implement appropriate technical and organizational safeguards (encryption, secure servers, access controls) to protect data. (2) Implement SSL encryption for data transmission (3) Regular security assessments and vulnerability testing (4) Access controls and employee training (5) No guarantee of absolute security; users transmit data at own risk.

16.5.1 Retain data as long as account is active or needed for services

16.5.2 Retain transaction data as required by law (typically 7 years)

16.5.2 Anonymize or delete data after retention period

B. International Data Transfers (1) Data may be transferred to and processed in countries with different data protection laws (2) We implement appropriate safeguards for international transfers.

16.6 Your Rights (1) Access, correct, or delete your personal information (2) Opt-out of marketing communications (3) Data portability upon request (4) Limit processing in certain circumstances (5) Lodge complaints with data protection authorities (6) Request deletion of data (subject to legal retention requirements) Request should be sent using the contact details below:
email: compliance@sarawarkglobal.com
Whatsapp: +234 812 777 7747

16.7 Cookies and Tracking Technologies

16.7.1 We use: (a) Essential cookies (necessary for platform function) (b) Performance cookies (analytics) (c) Functionality cookies (preferences) (d) Advertising cookies (personalized ads) Users can manage cookie preferences through browser settings

16.8 Children's Privacy (1) Platform not intended for children under 18 (2) We don't knowingly collect data from children (3) Contact us if you believe we have collected your child's data

16.9 Contact Information

17.1 Purpose and Scope

This Communication Policy outlines the official channels for communication between Sarawarkglobal and its users, vendors, and the general public. It establishes guidelines for professional conduct, expected response times, and security measures to protect both our company and our customers from fraud and miscommunication. This policy applies to all forms of communication, including email, instant messaging, phone calls, social media, and on-platform notifications. We expect all users to adhere to professional and respectful conduct when interacting with our staff, vendors, or other users on the platform (e.g., in reviews or community forums). Prohibited Conduct: Communications that are abusive, discriminatory, threatening, harassing, obscene, or otherwise unlawful are strictly prohibited. Enforcement: We reserve the right to suspend or terminate the accounts of users who violate these communication standards.

17.2 Official Communication Channels

We will communicate with you primarily through the following official channels: Platform Notifications: Important updates regarding orders, account status, and policy changes will appear in your account dashboard notifications.
All official communication from us will originate from email addresses: support@sarawarkglobal.com, admin@sarawarkglobal.com, compliance@sarawarkglobal.com
Our official contact number: +234 812 777 7747
Official Social Media Handles: We maintain verified profiles on [e.g., Instagram/Facebook/ Twitter] as listed on our official website's "Contact Us" page. We will never ask you for sensitive information like your password, full credit card details, or banking PINs via email or social media.

17.3 Response Times and Service Level Agreements (SLAs)

We are committed to timely communication. Our standard response targets are: Customer Support Emails: Responses typically within [3 hours] during business days (Monday to Saturday, 7:00 AM - 4:00 PM WAT). Live Chat: Responses typically within [30 minutes] during operating hours. Phone Calls: Available during business hours; immediate assistance is provided or a call-back scheduled if lines are busy. Order Updates: Order confirmation, shipping confirmation, and delivery notifications are automated and sent immediately upon action. Please note that these are targets; complex issues may require longer investigation.

17.4 Marketing and Promotional Communication

Opt-In/Opt-Out: We require your consent (opt-in) to send you marketing or promotional emails. You can manage your communication preferences or opt-out of marketing communications at any time via your Account Settings page or by clicking the "unsubscribe" link in the emails. Transactional vs. Marketing Emails: We will continue to send essential transactional emails ( order confirmations, security alerts, policy changes) even if you opt out of marketing communications.

17.5 Security and Anti-Phishing Measures

We take the security of communication seriously to protect you from common scams like phishing and impersonation: Verify the Sender: Always check the sender's email address to ensure it matches our official domain (https://sarawarkglobal.com). Secure Links: We will provide links within emails that direct you only to our own secure website URL (https://sarawarkglobal.com). No Sensitive Data Requests: We will not request confidential account information, payment details, or national identification numbers outside of the secure, encrypted payment and account setup pages on our Platform.

17.6 Vendors and Third-Party Communication

If your platform is a marketplace, the following applies: Platform as Intermediary: Vendors must primarily communicate with buyers regarding orders, shipping, and product issues through the secure on-platform messaging system. No Off-Platform Solicitation: Vendors are prohibited from soliciting buyers to communicate or transact business off-platform. Vendor Conduct: Vendors must adhere to the same professional conduct standards outlined in this policy when communicating with customers.

18.1 Dispute Resolution & Arbitration Agreement

PLEASE READ THIS ARBITRATION AGREEMENT CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS, INCLUDING WAIVING YOUR RIGHT TO A COURT OR JURY TRIAL AND LIMITING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION.

18.2 Applicability: This Agreement forms an integral part of our Terms of Use, Privacy Policy, and all other contractual documents governing your use of the Platform. By registering an account, accessing our website, mobile application, communication(s) received, making a purchase, any product(s) sold or otherwise using the Platform, you expressly agree to be bound by this Arbitration Agreement. All claims and disputes arising between us (each, a "Dispute") will be resolved exclusively through final and binding arbitration, rather than in a court of general jurisdiction. This agreement to arbitrate is intended to be interpreted broadly and applies to: (a). Any disagreements that arose before the effective date of these Terms or any previous agreements; (b). Disputes arising after the termination of these Terms; and (c). Claims that occurred before this Arbitration Agreement existed.

18.3 Key Exceptions

There are two specific exceptions where a court action is permitted: (1) Small Claims Court: Either party may assert qualifying claims in a small claims court, provided the case remains in that court. (2) Intellectual Property (IP) Rights: Either party may seek immediate equitable relief in court to address the infringement or misuse of intellectual property rights (including trademarks, copyrights, patents, trade secrets, trade dress, or domain names).

18.4 Arbitration Process

All arbitration proceedings will be conducted in the English language.

18.5 Severability: If any provision of this Agreement is held to be unenforceable or invalid by any court or arbitral tribunal, the remaining provisions shall remain in full force and effect.

19.1 Mutual Consent to Binding Arbitration

You and WE mutually agree that any Dispute (as defined below) between us shall be resolved exclusively through final and binding arbitration rather than in court. This agreement to arbitrate applies to all Disputes, regardless of whether they arise from contract, tort, statute, fraud, misrepresentation, or any other legal theory.

19.2 Definition of "Dispute"

For purposes of this Agreement, "Dispute" means any dispute, claim, or controversy between YOU and the US arising out of or relating to: · Your use of the Platform or any services offered · The Terms of Use, Privacy Policy, or this Arbitration Agreement · Any transactions conducted through the Platform · Advertisement, marketing, or communications related to the Platform · Any data privacy or security incidents · EXCEPTIONS: Disputes relating to the validity, scope, or enforceability of this arbitration clause shall be determined by the arbitrator.

19.3 Arbitration Procedure

We are committed to resolving disputes with you promptly and reasonably. Before either party initiates a formal arbitration proceeding, both you and we agree to participate in a mandatory, good-faith effort to resolve the matter informally.

19.4 The Process

(1) Written Notice: The party initiating the dispute must first send a formal, written notice ("Notice") to the other party. To Us: Send your Notice via email to legal@sarawarkglobal.com The Notice Must Include: Your name, phone number, mailing address, and the email address linked to your account (if applicable); Your legal counsel's contact information (name, phone number, mailing address, and email address), if you are represented; and A clear description of your Dispute. (2) Informal Conference: The parties agree to hold a personal conference via telephone or videoconference (an "Informal Dispute Resolution Conference") within sixty (60) days of the other party receiving the Notice, unless both sides agree in writing to an extension. (3) Participation Requirement: Personal Involvement is Required: This conference must be an individualized effort for your specific issue. You agree to personally attend this meeting, even if you are represented by a lawyer (your lawyer may also participate). Individualized Conferences: Multiple individuals cannot join the same conference unless all parties agree. Similarly, if a single law firm represents multiple users in similar cases, a separate conference must be held for each individual dispute unless otherwise agreed.

19.5 Key Conditions

Condition Precedent: Engaging in and completing this Informal Dispute Resolution Conference is a mandatory requirement that must be fulfilled before formal arbitration can begin. Tolling of Deadlines: While the parties are actively engaged in this required informal process, the legal time limits (statute of limitations) for filing a claim and any associated filing fee deadlines will be paused (tolled). Ongoing Communication: Nothing in this agreement prevents the parties from communicating informally to settle the dispute during the 60-day notice period.

19.6 Waiver of Jury Trial and Court Rights

YOU AND WE HEREBY VOLUNTARILY AGREE TO GIVE UP (WAIVE) ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE EACH OTHER IN A COURT OF LAW AND TO HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY.

19.6.1 What This Means: Instead of a court trial, you and we are electing that all Disputes will be resolved through binding arbitration, as detailed in this Arbitration Agreement (with the exceptions previously noted for small claims court and intellectual property issues). In arbitration, there is no judge or jury. Legal review of the arbitrator's final decision is very limited compared to an appeal from a court verdict.

19.7 Waiver of Class, Representative, and Mass Actions

This section makes clear that we will only address disputes on an individual basis. YOU AND WE AGREE THAT NEITHER OF US MAY BRING CLAIMS AGAINST THE OTHER AS PART OF A CLASS ACTION, REPRESENTATIVE ACTION, COLLECTIVE ACTION, OR ANY TYPE OF MASS ACTION.

19.7.1 What This Means (Individual Basis Only): Instead of a court trial, you and we are electing that all Disputes will be resolved through binding arbitration, as detailed in this Arbitration Agreement (with the exceptions previously noted for small claims court and intellectual property issues). In arbitration, there is no judge or jury. Legal review of the arbitrator's final decision is very limited compared to an appeal from a court verdict.

19.7.2 Exceptions and Specific Conditions: Severability: If a final court decision determines that these limitations prevent a specific type of claim (like a request for public injunctive relief) from being arbitrated, that specific claim only will be removed (severed) from the arbitration process and can be pursued in court. All other parts of the dispute will still be resolved through individual arbitration or small claims court. Settlements: This subsection does not stop you or us from participating in a company-wide settlement of claims that is agreed upon by all parties involved.

19.8 Governing Law and Initiation of Arbitration

This agreement and any transaction evidenced by it are governed by the principles of Nigerian law. The interpretation and enforcement of this Arbitration Agreement and any arbitration proceedings will be governed by the Arbitration and Mediation Act 2023 (AMA) of the Federal Republic of Nigeria, notwithstanding any other substantive law provisions within these Terms.

19.8.1 Initiating Arbitration Proceedings: If the mandatory Informal Dispute Resolution Conference process (described in the previous section) does not satisfactorily resolve the Dispute within sixty (60) days after receipt of the Notice, either you or we shall have the right to finally resolve the Dispute through binding arbitration.

19.9 To commence arbitration:

(1) Deliver a written Notice of Dispute detailing the nature of the claim and relief sought (2) Following a 60-day settlement period, file a Request for Arbitration with the chosen arbitration institution (3) Pay the required filing fees in accordance with the applicable rules (4) The arbitration will be conducted by an established alternative dispute resolution provider, such as the Lagos Court of Arbitration (LCA) or the Chartered Institute of Arbitrators (CIArb) Nigeria Branch, under its rules then in effect, unless otherwise required by law. The proceedings may be filed in the state where you reside in Nigeria, or in Lagos, Nigeria. Any in-person hearings will be conducted at a location reasonably convenient to both parties, taking into account their ability to travel and other pertinent circumstances. If the named institutions are unavailable to arbitrate, the parties will mutually select an alternative arbitral forum.

You must send a formal demand to US (the "Arbitration Notice") which includes a personally signed certification of compliance with the prior informal dispute resolution process. The Arbitration Notice must include: (1) The name, telephone number, mailing address, and email address of the party seeking arbitration, as well as any associated account username/email. (2) A statement of the legal claims being asserted and the factual bases of those claims. (3) A description of the remedy sought and an accurate, good-faith calculation of the amount in controversy in Nigerian Naira (NGN). (4) A statement certifying completion of the informal dispute resolution process. (5) Evidence that the requesting party has paid any necessary filing fees in connection with such arbitration. (6) If you are represented by legal counsel, they must also sign the Arbitration Notice, certifying that the claims are warranted by existing law, are not presented for any improper purpose (such as harassment or delay), and have evidentiary support.

20.1 Confidentiality and Procedure

All aspects of the arbitration proceeding, including but not limited to the existence, content, and outcome of arbitration, shall be strictly confidential. Neither party may disclose any information about the arbitration to any third party except: (1) Unless you and we agree otherwise, the arbitration will be conducted in the county or relevant jurisdiction where you reside. (2) The arbitrator may direct a limited and reasonable exchange of information between the parties, consistent with the expedited nature of arbitration. (3) All materials and documents exchanged during the proceedings must be kept confidential and not shared with external parties (except legal counsel, accountants, or business advisors, who must also agree to confidentiality). (4) To enforce or challenge the arbitration award in court. (5) As part of a regulatory investigation or proceeding 6. Any settlement offer amounts must not be disclosed to the arbitrator until after they have made a final decision and award, if any.

20.2 Appointment of Arbitrator

(1) NUMBER: Arbitration shall be conducted before a single arbitrator. (2) APPOINTMENT: The arbitrator shall be appointed by mutual agreement of the parties within 35 days of the Request for Arbitration. If no agreement is reached, the appointment shall be made by the President of the Nigerian Bar Association or the chosen arbitration institution. (3) QUALIFICATIONS: The arbitrator must be a legal practitioner with at least 10 years' experience in commercial law and must be independent and impartial.

20.3 Venue and Language of Arbitration

(1) VENUE: The seat of arbitration shall be Lagos, Nigeria. (2) LANGUAGE: The language of the arbitration shall be English. (3) HEARINGS: Hearings may be conducted in person, by telephone, or via video conference at the arbitrator's discretion.

20.4 Scope of Arbitrator's Authority

The arbitrator shall have the authority to: (1) Rule on all procedural and substantive matters (2) Grant any remedy or relief that would be available in a Nigerian court (3) Award monetary damages and injunctive relief (4) Allocate arbitration costs and attorney's fees in accordance with Nigerian law (5) LIMITATION: The arbitrator shall not have authority to award punitive or exemplary damages, except where expressly authorized by statute.

20.5 Allocation of Costs

Unless otherwise required by law or the arbitrator's award: Each party shall bear its own attorney's fees and costs unless the arbitrator determines that the claim or defense was frivolous or brought in bad faith. (1) PAYMENT STRUCTURE: The parties shall generally bear their own legal fees and costs during the arbitration process. Exceptions: Frivolous Claims: The arbitrator may order the losing party to pay the other party's fees if they find that the claim or the relief sought was frivolous or brought for an improper purpose. This standard shall be measured by principles similar to those found in recognized procedural rules (such as Nigeria's relevant High Court Civil Procedure Rules regarding vexatious litigation). Court Actions: If a party must go to a Nigerian court to compel the other party to arbitrate, the party that successfully obtains the court order is entitled to collect their reasonable costs, disbursements, and attorneys' fees incurred for that action. The prevailing party in any court action related to whether a condition precedent to arbitration (including the informal dispute resolution process) was satisfied is entitled to recover their reasonable costs, necessary disbursements, and legal fees.

20.6 Managing Multiple Similar Claims (Batch Arbitration)

To manage large volumes of similar cases efficiently, we may group arbitration demands together under a "Batch Arbitration" process if specific conditions are met.

20.6.1 When this happens: If 10 or more individual arbitration notices that are substantially similar are filed within 30 days, using the same lawyers or organizations, the cases will be grouped into batches of up to 50 claims each. Each batch will be treated as a single, consolidated case with one arbitrator, one set of fees per side, and one final award for that group. We agree to cooperate in minimizing costs and time during this process.

20.6.2 Important Note: This "Batch Arbitration" process is purely for administrative efficiency and should not be interpreted as permitting a class-action lawsuit, collective action, or mass arbitration in the traditional sense. It remains an individual claims process that is simply grouped for administrative purposes.

20.7 If Any Part of the Agreement Is Invalid

(1) General Rule: If any single part of this Arbitration Agreement is found by a court to be invalid or unenforceable, that specific part will be removed, and the rest of the agreement remains in full effect. (2) Exception for Batch Arbitration: If the Batch Arbitration section (-) is found to be invalid or unenforceable, then the entire Arbitration Agreement becomes void and will not apply to you or us. (3) Time Limits: You agree that any dispute you initiate must be started via arbitration within the standard legal time limits (statutes of limitation) that would apply if you were filing that same claim in a court of law. If you miss that deadline, the claim is permanently barred.

20.8.1 Right to Opt Out: You have the right to opt out of this Arbitration Agreement. To do so, you must: (1) Notify Us in writing within 30 days of your first use of the Platform or account registration. (2) Send your opt-out notice to: legal@sarawarkglobal.com. A clear statement that you are unequivocally choosing to opt out of the Arbitration Agreement. (3) Include your full name, phone number, address, email, and a clear statement that you are unequivocally choosing to opt out of the Arbitration Agreement.

20.8.2 Effect to Opt Out: If you validly opt out: (1) The arbitration provisions will not apply to you (2) You retain your right to sue in court (3) You retain your right to a jury trial (4) Other terms of the Platform's agreements remain in effect.

20.9 This Arbitration Agreement shall survive: (1) Termination of your account or relationship with the Company (2) The bankruptcy or insolvency of either party (3) Any transfer of the Platform's ownership or assets.

20.10 Modification Right

The Company reserves the right to modify this Arbitration Agreement. If we make material changes, we will: (1) Provide at least 60 days' notice via email and platform notification (2) Allow existing users to opt out of the new terms (3) For new users, changes become effective upon acceptance.

This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of laws principles.

21.1 Judicial Intervention

(1) ENFORCEMENT: Any court with jurisdiction may enforce this Agreement and enter judgment on the arbitrator's award. (2) INJUNCTIVE RELIEF: Notwithstanding this Agreement, either party may seek interim or injunctive relief in any Nigerian court to prevent irreparable harm pending arbitration. (3) AWARD CHALLENGE: The arbitrator's award may be challenged only on the limited grounds specified in the Arbitration and Conciliation Act.

21.2 Contact for Arbitration Matters

All arbitration-related communications should be directed to:

21.3 User Acknowledgment

BY USING THIS PLATFORM, YOU ACKNOWLEDGE THAT: (1) You have read and understood this Arbitration Agreement (2) You are voluntarily giving up your right to sue in court (3) You are giving up your right to a jury trial (4) You are giving up your right to participate in class actions (5) Arbitration outcomes are generally final and binding with limited review (6) You have the right to opt out as described above.

21.4 Nigeria-Specific Legal Considerations

Compliance with Nigerian Laws: (1) Arbitration and Conciliation Act: This Agreement complies with Nigeria's principal arbitration legislation (2) Consumer Protection: Section 146 of the Federal Competition and Consumer Protection Act, 2018 requires arbitration clauses to be fair and reasonable (3) Electronic Transactions: The Cybercrimes (Prohibition, Prevention, etc.) Act, 2015 and emerging data protection laws under the Nigeria Data Protection Act, 2023 may apply (4) Jurisdiction: Nigerian courts generally uphold arbitration agreements, as demonstrated in cases like Niger Progress Ltd. v. N.E.I. Corp. (1989) and more recently Shell Petroleum Dev. Co. v. Crestar Integrated Natural Resources Ltd. (2016)

Our policies are designed to ensure a safe, functional, and legally compliant platform for all users. They establish clear boundaries regarding your responsibilities, our limitations, and how disputes are handled.

22.1 Policy Area User Conduct & Submissions Key Takeaway for Users

You are responsible for all content you post; prohibited actions include illegal activity, harassment, spam, and system interference. Acceptance & Eligibility By using our platform, you confirm you are legally old enough to agree to a contract and accept all our rules. Ownership & Intellectual Property You own your content, but grant us a license to use it. We own the platform, our branding, and our software. Purchase & Reward Programs Purchases are bound by terms regarding payment, delivery, and returns. Reward programs are offered at our discretion and have no cash value. App Store Usage When downloading our app, you must follow both our rules and the rules of the Apple App Store or Google Play Store. Disclaimers & Liability The service is provided "as is." We limit our financial liability for indirect damages or unexpected issues that may arise. Dispute Resolution Most disputes will be resolved through binding individual arbitration, not a jury trial or class action lawsuit.

22.2 Generalized Summary of Key Principles

(1) You Agree to Play by the Rules By using our services, you enter into a binding agreement. This agreement requires you to use the platform legally and ethically. You are responsible for everything that happens under your account. We have clearly defined what you can do (create an account, make purchases) and what you cannot do (engage in fraud, disrupt the site, post harmful content). (2) We Provide the Platform "As Is" We work hard to provide a great service, but we cannot guarantee everything will be perfect all the time. Our policies contain strict disclaimers that state we are not liable for technical errors, service interruptions, or certain types of financial losses. Your use of the platform is at your own risk. (3) Clear Boundaries of Responsibility We define where our responsibility ends and yours begins. You own the content you submit, but you give us permission (a license) to use it to operate our business. We own the underlying technology and brand. You are responsible for keeping your account secure and confidential. (4) How We Resolve Disputes We strongly encourage informal resolution first. If a formal legal process is needed, you agree to waive your right to a jury trial and participate in a binding arbitration process on an individual basis, rather than joining a class-action lawsuit. In essence, these policies form the complete legal framework for our relationship, establishing clear rights and obligations for all users to ensure a safe and transparent marketplace.