Terms of Service

1. Introduction

Welcome to Pamocart.

These Terms & Conditions (“Terms”) govern access to and use of Pamocart’s website, mobile applications, marketplace services, payment facilitation processes, logistics coordination services, customer support channels, and related platform operations.

These Terms are designed in accordance with:

• Applicable laws of the Federal Republic of Nigeria,
• Consumer protection principles,
• The Federal Competition and Consumer Protection Act (FCCPA),
• Nigeria Data Protection Act (NDPA),
• Nigeria Data Protection Commission (NDPC) guidelines,
• Applicable anti-fraud, anti-money laundering, and digital commerce compliance obligations,
• International marketplace and payment industry best practices where applicable.

By accessing or using Pamocart services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions, the Privacy Policy, Refund Policy, Cookie Policy, and all related platform policies.

If you do not agree to these Terms, you must discontinue use of the platform immediately.

2. Definitions

For the purpose of these Terms:

• “Pamocart” refers to the platform, company, affiliates, operators, employees, agents, contractors, and authorized representatives.
• “Customer” refers to any person placing orders through the platform.
• “Vendor” refers to merchants or market sellers offering products through the platform.
• “Shopper” refers to individuals assigned to source and purchase items on behalf of customers.
• “Dispatch Rider” or “Rider” refers to logistics personnel responsible for deliveries.
• “Platform” refers to Pamocart’s website, applications, APIs, software systems, and related digital infrastructure.
• “Services” refers to all marketplace, logistics, sourcing, delivery, customer support, settlement coordination, and operational services offered by Pamocart.

3. Eligibility & Account Registration

To use Pamocart services, users must:

• Be at least 18 years old,
• Possess legal capacity to enter binding agreements,
• Provide accurate, current, and complete information,
• Maintain updated account information,
• Comply with applicable laws and platform policies.

Pamocart reserves the right to:

• Refuse registration,
• Request additional verification,
• Restrict or suspend accounts,
• Terminate access where fraud, abuse, misrepresentation, or legal violations are suspected.

4. Nature of Platform Services

Pamocart operates as a technology-enabled marketplace and fulfillment coordination platform connecting customers, vendors, shoppers, and logistics providers.

Pamocart facilitates:

• Order placement,
• Market sourcing coordination,
• Delivery coordination,
• Payment processing support,
• Operational settlement coordination,
• Customer support services.

Pamocart does not operate as:

• A bank,
• A deposit-taking institution,
• A savings platform,
• An investment platform,
• An e-money issuer unless otherwise authorized by law.

Transaction balances displayed within the platform are solely for operational settlement and payout purposes.

5. Marketplace Transactions & Product Availability

Pamocart facilitates sourcing and delivery services based on market availability and operational feasibility.

Customers acknowledge that:

• Prices may vary across markets and vendors,
• Product availability may change in real time,
• Packaging, appearance, and brand variations may occur,
• Certain requested items may become unavailable during fulfillment.

Where feasible, customers may be contacted regarding substitutions or price adjustments before purchase completion.

Pamocart is committed to fair dealing, transparency, and commercially reasonable fulfillment practices in accordance with applicable consumer protection standards.

6. Pricing, Fees & Charges

Pamocart may apply:

• Service fees,
• Delivery charges,
• Marketplace commissions,
• Transaction processing charges,
• Promotional or advertising fees where applicable.

Applicable charges shall be displayed or communicated before transaction completion where reasonably practicable.

Pamocart reserves the right to revise pricing structures, commissions, or service charges in response to:

• Market conditions,
• Operational costs,
• Regulatory requirements,
• Platform improvements.

Users will be notified of material pricing changes through appropriate communication channels.

7. Payments & Transaction Processing

Payments made on Pamocart are processed through licensed and regulated third-party payment service providers.

By using the platform, users authorize Pamocart to:

• Facilitate payment processing,
• Coordinate operational settlements,
• Process eligible refunds,
• Facilitate payouts to verified participants.

Pamocart may delay, restrict, reverse, or reject transactions where:

• Fraud is suspected,
• Legal or regulatory obligations require intervention,
• Disputes or chargebacks arise,
• Security reviews are ongoing,
• Transaction irregularities are identified.

Pamocart reserves the right to request additional verification before processing certain transactions.

8. Consumer Protection & Fair Use

Pamocart is committed to fair consumer practices and transparent service delivery.

Customers have the right to:

• Receive accurate transaction information,
• Raise complaints or disputes,
• Request eligible refunds in accordance with platform policies,
• Receive fair treatment during complaint resolution processes.

Pamocart shall not engage in:

• False or misleading representations,
• Unfair commercial practices,
• Deliberate concealment of material transaction information.

Users are expected to act honestly and refrain from abusive, fraudulent, or manipulative conduct.

9. Refunds, Returns & Cancellations

Refunds, returns, and cancellations are governed by Pamocart’s Refund Policy.

Refund eligibility may depend on:

• Order fulfillment stage,
• Product condition,
• Delivery status,
• Transaction verification,
• Applicable legal obligations,
• Evidence provided by involved parties.

Approved refunds shall be processed within commercially reasonable timelines, subject to banking and payment processor procedures.

Pamocart reserves the right to investigate disputes prior to refund approval.

10. Delivery & Fulfillment Standards

Pamocart aims to facilitate timely and professional fulfillment services.

However, delivery timelines may be affected by:

• Market conditions,
• Traffic conditions,
• Vendor delays,
• Weather events,
• Public disruptions,
• Force majeure circumstances,
• Operational or technical interruptions.

Pamocart shall make commercially reasonable efforts to communicate material delays where feasible.

11. Verification, Compliance & Fraud Prevention

Pamocart applies risk-based verification and fraud prevention measures which may include:

• BVN verification,
• Identity verification,
• Facial verification,
• Address verification,
• Business verification,
• Transaction monitoring,
• Geolocation verification where operationally necessary.

Pamocart reserves the right to:

• Conduct compliance reviews,
• Request additional documentation,
• Suspend transactions,
• Restrict accounts,
• Report suspicious activities to appropriate authorities where legally required.

12. User Responsibilities

Users agree not to:

• Engage in fraudulent conduct,
• Provide false information,
• Abuse platform systems,
• Circumvent platform procedures,
• Interfere with security infrastructure,
• Upload malicious content,
• Harass vendors, shoppers, riders, employees, or support personnel,
• Use the platform for unlawful purposes.

Users remain responsible for activities conducted through their accounts.

13. Data Protection & Privacy

Pamocart processes personal information in accordance with:

• The Nigerian Data Protection Act (NDPA),
• NDPC guidelines,
• Applicable privacy and cybersecurity obligations.

Use of the platform is subject to the Pamocart Privacy Policy.

Pamocart implements reasonable safeguards designed to protect personal information from unauthorized access, misuse, disclosure, or loss.

14. Intellectual Property Rights

All trademarks, platform designs, logos, software, content, text, graphics, systems, and related intellectual property remain the exclusive property of Pamocart or its licensors.

Users may not:

• Copy,
• Modify,
• Reproduce,
• Reverse engineer,
• Distribute,
• Commercially exploit platform materials without prior written authorization.

15. Service Availability

Pamocart aims to maintain reliable platform operations but does not guarantee uninterrupted or error-free access.

Temporary interruptions may occur due to:

• Maintenance activities,
• Technical upgrades,
• Third-party service failures,
• Cybersecurity incidents,
• Regulatory or operational requirements.

Pamocart reserves the right to modify, suspend, or discontinue parts of the platform where reasonably necessary.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Pamocart shall not be liable for:

• Indirect or consequential losses,
• Loss of profits,
• Business interruption,
• Third-party actions,
• Marketplace pricing fluctuations,
• Vendor stock shortages,
• Delays beyond reasonable operational control.

Nothing in these Terms excludes rights or remedies that cannot legally be excluded under applicable consumer protection laws.

Where liability cannot be excluded, Pamocart’s liability shall be limited to the amount directly paid for the affected transaction, except where otherwise required by law.

17. Suspension & Termination

Pamocart reserves the right to:

• Suspend or terminate accounts,
• Restrict platform access,
• Withhold settlements where legally permissible,
• Reject transactions,
• Remove content or listings,

where necessary to:

• Protect platform integrity,
• Prevent fraud,
• Comply with legal obligations,
• Enforce these Terms,
• Protect users and third parties.

18. Complaints & Dispute Resolution

Users may submit complaints or disputes through Pamocart’s official support channels.

Pamocart shall make reasonable efforts to:

• Investigate complaints fairly,
• Communicate outcomes transparently,
• Resolve disputes within reasonable operational timelines.

Where disputes cannot be resolved internally, parties may pursue remedies available under applicable Nigerian laws and consumer protection regulations.

19. Force Majeure

Pamocart shall not be liable for delays or failures caused by circumstances beyond reasonable control, including:

• Natural disasters,
• Civil unrest,
• Government actions,
• Internet failures,
• Telecommunications disruptions,
• Public emergencies,
• Labor disputes,
• Payment network failures.

20. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of the Federal Republic of Nigeria.

Any disputes arising from these Terms shall be subject to the jurisdiction of competent courts within Nigeria, subject to applicable dispute resolution procedures.

21. Changes to Terms

Pamocart reserves the right to update these Terms periodically to reflect:

• Legal or regulatory developments,
• Operational changes,
• Security improvements,
• Platform enhancements.

Updated Terms shall be published on the platform with the revised effective date.

Continued use of the platform after updates constitutes acceptance of the revised Terms.

22. Contact Information

For inquiries, complaints, consumer protection concerns, or legal notices, users may contact:

Pamocart Support Team

Email: hello@pamocart.com

Phone: 09050008618

Website: www.pamocart.com

By accessing or using Pamocart services, you confirm that you have read, understood, and agreed to these Terms & Conditions.