The rules that keep Seli fair.

1. Acceptance of these Terms

By creating an account, downloading the app, browsing the website, or otherwise using the Services, you agree to these Terms of Service (the "Terms") and our Privacy Policy. If you do not agree, please do not use the Services.

These Terms form a binding contract between you and Seli Trading Company ("Seli", "we", "us", "our"), a company registered in Nigeria. The "Services" mean the Seli mobile application, the seli.com.ng website, and all related features, including the marketplace ("Seli Market"), the delivery network ("Seli Pilot") and the AI listing assistant ("Shemi AI").

Where these Terms mention "you", they apply to you as a buyer, a seller/merchant, a pilot, a guest visitor, or any combination of those roles. Some sections apply only to specific roles and are labelled as such.

2. Who we are & the Services

Seli operates a video-first social commerce platform in Nigeria. Through the Services we provide a range of connected products:

• Seli Market - where buyers watch curated videos and photo carousels, discover products, place orders and pay, and where sellers open verified stores, list products and receive payouts;
• Seli Pilot - an on-demand delivery network that connects orders to verified delivery agents, with live tracking and code-secured handovers;
• Shemi AI - an AI assistant that helps sellers draft listing titles, descriptions, SEO tags and product images from a photo;
• Wallet, escrow and rewards - payment protection and Shop-to-Earn loyalty features that apply across the platform.

Seli is a marketplace facilitator and technology provider. We are not the owner of the products listed for sale unless the listing expressly says so. The contract for the sale of a product is between the buyer and the seller; Seli provides the platform, escrow and delivery rails that make the transaction safe.

3. Your account

3.1 Eligibility

• You must be at least 18 years old to create an account, open a store, or register as a pilot;
• You must provide accurate, current and complete information at registration and keep it up to date;
• One person and one business may hold only one account unless we agree otherwise. Multiple or fake accounts may be suspended;
• You must have the legal capacity to enter this contract.

3.2 Account security

• You are responsible for safeguarding your password, one-time codes and delivery codes;
• You must not share your login credentials or verification codes, including codes shown to pilots as part of secure handovers, with anyone;
• You must immediately notify us at support@seli.com.ng of any unauthorised use of your account;
• We are not liable for losses caused by your failure to keep your credentials secure.

3.3 Verification

To open a store or register as a pilot, you must complete our verification process, which includes identity and (where applicable) KYC checks. You authorise us and our verification partners to confirm your details. We may refuse, suspend or close accounts where verification fails or where we reasonably believe the account is used for fraud.

4. Acceptable use

You agree to use the Services only for lawful purposes. Without limiting the generality of that obligation, you must not:

• Use the Services to violate any Nigerian law, regulation or court order, or the laws of any jurisdiction that apply to you;
• Impersonate any person or business, or misrepresent your identity, qualifications or affiliation;
• Post false, misleading, infringing, counterfeit, prohibited or unlawful content (see Section 13);
• Attempt to manipulate prices, reviews, ratings, rewards, payouts or escrow outcomes;
• Place orders without intending to complete them ("fake orders"), collude with buyers or sellers to defraud escrow or insurance, or otherwise abuse the platform;
• Harass, threaten, defame or spam any user, pilot or member of our team;
• Interfere with or disrupt the Services, servers or networks, including through viruses, bots, scraping at unreasonable volume, denial-of-service or automated abuse;
• Reverse engineer, decompile or attempt to extract the source code of the Services, except where permitted by law;
• Use another person's payment details, bank account or identification without authorisation;
• Facilitate any third party in any of the above.

We may remove content and restrict or close accounts that breach these rules (see Section 18).

5. Buying on Seli Market

• Listings display the seller's price, the applicable delivery fee and any applicable fees before you confirm an order;
• Placing an order creates an offer to buy; the sale is formed when the seller confirms and fulfils the order in line with our order flow;
• You must have funds available (in your wallet or via an accepted payment method) when an order is placed. Successful payment places those funds into escrow (Section 10);
• You are responsible for providing a correct delivery address and being available (or designating someone available) to receive the order and supply the delivery code;
• Delivery is handled by Seli Pilot in supported zones; you can track the order live and confirm completed handovers with your delivery code;
• If a delivery cannot be completed because you are unavailable or provided wrong contact details, we and the seller may treat the order as unattempted, re-schedule it, or cancel it under Section 10;
• Buyers Claims, returns and refunds operate under the Buyer Protection rules in Section 10.

Prices are set by sellers and may change between when you view a product and when you place an order. The price shown at the point of order confirmation is the binding price.

6. Selling on Seli Market

6.1 Verified stores

To sell you must open a store and complete verification (Section 3.3). A store that passes verification may be marked as a "Verified Seller". We may verify based on identity documents, bank details, product evidence and account history, and we may pause verification labels if a store's standing changes.

6.2 Listings

• You are solely responsible for the accuracy, legality and quality of your products and listings, including content generated with Shemi AI before you publish it;
• Every listing must describe the product truthfully - including condition, material, size, origin, and whether it is new, refurbished or used;
• You must not list prohibited items (Section 13) or use images, videos, text or designs you are not entitled to use;
• Listings that are inaccurate, engage in price gouging, or mislead buyers may be removed and your store may be penalised.

6.3 Fulfilment

• You must fulfil orders promptly and only confirm readiness when the product is actually ready for pickup by Seli Pilot or by any buyer pickup channel we support;
• Products must be packaged so they arrive in the condition described;
• You must honour the price at order confirmation, even if you later notice an error, unless the error is clearly unreasonable and we agree otherwise;
• You must respond to buyer questions, delivery issues and Buyers Claims in a timely manner.

6.4 Payouts

Funds for completed orders are released from escrow automatically 24 hours after delivery confirmation if no dispute is raised (Section 10), minus the Seli commission (currently 5.5% - see Section 9). Net proceeds are paid out automatically once released, generally within 24 hours of release. Payouts require valid linked bank account details; if a payout cannot be delivered, funds are held in your wallet until you correct the details.

6.5 Reviews & standings

Buyer ratings, review content and dispute history contribute to a store's standing, which can affect search placement, verification status and eligibility for features. You must not ask or incentivise buyers to leave positive reviews, or retaliate against buyers who leave negative ones.

7. Seli Pilot delivery network

7.1 Registration & vetting

Pilots are independent delivery agents, not employees of Seli. To register you must be at least 18, pass our verification (identity, and where applicable transport and character checks), and maintain the credentials we require (for example a valid driver's licence for motorised deliveries).

7.2 Accepting and completing jobs

• You provide your own transport and equipment, and you choose when to be available and which jobs to accept;
• Once you accept a job, you agree to complete it in line with the assigned pickup, delivery and handover steps, using live tracking only for the job while it is active;
• Handovers use code-secured confirmation: you confirm pickup and delivery by entering the codes shown to you. You must never share codes or release packages without confirmation;
• You must keep packages secure and report loss, damage or safety incidents immediately through the app.

7.3 Earnings

Your earnings, fees and penalties (if any) are shown in the pilot interface. Fees for jobs accrue to your pilot wallet and can be withdrawn in line with payout rules. We may adjust job pricing, availability and zones from time to time with notice where practicable.

7.4 Conduct & accountability

• Treat buyers, sellers and colleagues with respect; harassment or theft results in suspension and may be reported to law enforcement;
• Unauthorised use of a passenger or delivery vehicle, driving without required licensing or insurance, or unsafe practices are grounds for removal;
• Metrics such as acceptance, on-time and completion rates inform job allocation; poor performance may reduce access to jobs.

As an independent contractor, you are responsible for your own taxes, insurance and compliance with transport regulations. Seli provides a marketplace of delivery jobs, not employment.

8. Shemi AI

• Shemi generates draft titles, descriptions, tags, category suggestions and product images from the photo you upload and the instructions you give;
• Shemi output is suggestion: you must review, check for accuracy, and approve content before it is applied to a listing. You are responsible for the final published content;
• AI-generated output can be wrong, outdated or unsuitable. You remain fully responsible for product claims, compliance (including prohibited or regulated items), and factual accuracy;
• You own the Shemi drafts you create. You grant Seli a licence to process and store them to provide the feature, as described in our Privacy Policy;
• You must not use Shemi to generate content that is illegal, infringing, deceptive or that violates Section 13 of these Terms.

Shemi AI is provided as-is and may change as the technology develops. See the disclaimers in Section 15.

9. Fees, payments & payouts

9.1 Fees that apply

We may introduce, change or remove fees, and change commission rates, with reasonable notice through the app, website or email. Fees payable for a transaction already placed are set at the time of that transaction.

9.2 Payment methods & wallet

• You may pay with supported cards, or by topping up and paying from your Seli wallet;
• Funds in your wallet are held by us as a stored-value balance backing your purchases and (for sellers) payouts;
• We are not a bank. Wallet balances are not deposits insured by any deposit insurance scheme, and do not earn interest;
• Card payments are processed by third-party processors (for example Paystack) under their own terms; card details are not stored by us.

9.3 Refunds & chargebacks

Refunds are issued under the Buyer Protection rules in Section 10. Where a chargeback or reversal is initiated through a payment provider, we may deduct the reversed amount, including from any wallet balance or future payouts, and investigate the underlying order.

9.4 Set-off

We may deduct from your wallet balance or payouts any amounts you owe us under these Terms (for example refunds, chargebacks or recovered fraud), up to the amount owing, and provide you with a statement of the adjustment.

11. Rewards & promotions

• Shop-to-Earn and other promotional programmes reward eligible activities as described in the app;
• Rewards have no cash value, and are subject to the specific terms of each promotion (eligibility, caps, expiry and redemption);
• We may withhold or claw back rewards earned through fraud, abuse or error;
• Promotional terms prevail over these Terms only to the extent the promotion expressly says so.

12. Intellectual property & content

12.1 Our IP

The Services, including all software, design, logos, graphics, text, video effects, trade names and proprietary technology (and the "Seli", "Seli Market", "Seli Pilot" and "Shemi" brands) are owned by Seli or its licensors. You may not reproduce, distribute, modify, or create derivatives of them without our written consent.

12.2 Your content

• You retain ownership of the content you post (listings, videos, photos, reviews, Shemi drafts);
• You grant Seli a worldwide, non-exclusive, royalty-free, sub-licensable and transferable licence to host, store, display, reproduce and modify your content as reasonably needed to operate and promote the Services (for example displaying your listing in the feed or in campaign materials);
• You confirm that your content does not infringe any third-party rights, and that you have all rights in it;
• Where the law entitles you to it, you waive moral rights in your content to the extent needed for the licence above.

12.3 Takedown requests (IP)

If you believe content on the Services infringes your copyright or other rights, contact support@seli.com.ng with enough detail to identify the work and the listing, and we will investigate and take appropriate action.

13. Prohibited items & conduct

The following may not be listed, sold, or facilitated on Seli, and doing so is grounds for immediate removal and account closure:

• Products or services prohibited by law in Nigeria or the jurisdiction of the buyer;
• Firearms, ammunition, explosives and weapons subject to licensing restrictions;
• Illicit drugs, narcotics, and any substance or paraphernalia for their consumption or cultivation;
• Counterfeit, pirated, cloned or infringing goods (including look-alikes and unauthorised replicas);
• Stolen goods and goods obtained fraudulently;
• Human body parts, organs, blood and (except where compliant with regulations) medical products;
• Animals and endangered wildlife and products derived from them (subject to our pet/adoption channels, where open);
• Financial instruments, bank details, and payment-services that are unlicenced;
• Services offered in circumvention of these Terms (for example selling an account, selling of delivery codes, or Facebook/WhatsApp transactions channelled through Seli);
• Any content that is defamatory, hateful, harassing, sexually explicit (beyond our adult-restricted channels if any), or that promotes illegal activity;
• Any item whose sale is otherwise restricted by these Terms or the law and is not properly authorised.

14. Third-party services

The Services integrate with and link to third-party services, including payment processors, verification providers, analytics, app stores, and external websites. These are provided for convenience and we are not responsible for them. Your use of those services is subject to their own terms and privacy policies.

Transactions that buyers and sellers conduct outside Seli (for example by phone or WhatsApp) are outside these Terms. We encourage keeping transactions on-platform so escrow, tracking and Buyer Protection apply.

15. Disclaimers & warranties

• The Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy or availability;
• We do not warrant that the Services will be uninterrupted, secure or error-free, that defects will be corrected, or that the platform will meet your specific needs;
• Products and listings are the responsibility of the sellers. We do not independently verify every product claim, and buyer protection (Section 10) is the primary remedy for order issues;
• Shemi AI output is generated automatically and may be inaccurate; it is your responsibility to review before use;
• Delivery times, agent availability and zones are estimates and are not guaranteed, except as provided under any express delivery policy.

To the maximum extent permitted by law, we disclaim all liability for content posted by users and for any reliance you place on user content or AI-generated content.

16. Limitation of liability

• To the maximum extent permitted by law, Seli, its officers, directors, employees, agents and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, data, goodwill or business opportunity, arising out of or in connection with the Services (including delivery, escrow, Shemi AI, or transactions between users);
• Our total aggregate liability for any claim arising from or relating to the Services will not exceed the greater of: (a) the fees you paid to us in the twelve (12) months preceding the claim; or (b) 250,000 Nigerian Naira (₦250,000);
• The limitation in this section does not apply to liability that cannot be excluded or limited by law, including for fraud, gross negligence, wilful misconduct, death or personal injury caused by our negligence, or liability under consumer-protection law that cannot be excluded;
• You acknowledge that the Services are a technology platform and that transactions are between users; we are not liable for the acts or omissions of buyers, sellers or pilots.

17. Indemnity

You agree to indemnify, defend and hold harmless Seli, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents and partners from and against any claims, losses, damages, liabilities, costs and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your content or listings; (c) your products and sales; (d) your breach of these Terms; (e) your violation of any law or the rights of any third party; or (f) your transactions with other users, excluding claims caused solely by Seli's gross negligence or wilful misconduct.

18. Suspension & termination

• By you: you may stop using the Services and delete your account at any time in the app or by contacting support@seli.com.ng;
• By us: we may suspend or close your account, or restrict access to the Services, if you breach these Terms, if you engage in fraud or abuse, if verification fails, if required by law or a regulatory authority, or if continued operation poses a risk to other users or to us;
• Where reasonably possible, we give you notice and an opportunity to remedy the breach before permanent closure;
• On termination, your access ends and your published content may remain visible as user content until removed; your rights to escrowed funds continue to be processed in line with Sections 9–10;
• Provisions that by their nature survive termination - including Sections 4, 8, 10, 12, 15, 16, 17, 19 and 21 - remain in force.

19. Disputes, arbitration & governing law

19.1 Informal resolution

We encourage you to resolve issues through our support team and the Buyer Claims process (Section 10) first. Contact support@seli.com.ng and we will work with you to resolve the matter within 30 days.

19.2 Arbitration

If informal resolution fails, and except where law requires otherwise, any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration in Lagos, Nigeria, conducted by a single arbitrator appointed under the rules of the Lagos Multi-Door Courthouse or a mutually agreed arbitration institution. The arbitration will be conducted in English, and the arbitrator's award is final and binding. You and Seli each agree to bring claims in your individual capacity and not as a class action.

19.3 Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law principles. For any matters that are not arbitrable or where arbitration is unavailable, the courts of Lagos State, Nigeria have exclusive jurisdiction. If you are a consumer in a jurisdiction that grants you mandatory protections, those protections are not displaced by this section.

20. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date, notify you in the app or by email for material changes, and give you a reasonable period to review before the new Terms take effect. Continuing to use the Services after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Services before the effective date.

21. General provisions

• Entire agreement: these Terms and the Privacy Policy, along with any channel-specific policies we reference, form the entire agreement between you and Seli;
• Severability: if a provision is found unenforceable, it will be limited or removed to the minimum extent necessary and the rest of the Terms remain in effect;
• No waiver: our failure to enforce a provision is not a waiver of it;
• Assignment: you may not assign rights or delegate obligations under these Terms without our written consent; we may assign these Terms in connection with a merger, acquisition or reorganisation (see our Privacy Policy for data implications);
• Electronic communications: you agree to receive notices electronically, which satisfy any legal requirement that notices be in writing, unless the relevant law requires otherwise;
• Force majeure: neither party is liable for failure to perform due to events beyond reasonable control, including natural disasters, pandemics, power and network outages, strikes or government action, provided that the affected party acts reasonably to resume performance.

22. Contact us

Questions about these Terms should be directed to:

• Customer support: support@seli.com.ng
• Legal & compliance: legal@seli.com.ng
• Data privacy: privacy@seli.com.ng
• Contact page: seli.com.ng/contact.html

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