Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the BitesBanq platform — including our website at bitesbanq.com, mobile application, and any associated services (collectively, the "Platform") — provided by Bitesbanq Limited, a company duly incorporated under the Companies and Allied Matters Act (CAMA) 2020 in the Federal Republic of Nigeria ("BitesBanq", "we", "our", or "us").

By accessing or using the Platform in any manner, you ("User", "you", or "your") confirm that you have read, understood, and agree to be legally bound by these Terms, together with our Privacy Policy and any additional guidelines or policies we may publish from time to time.

If you do not agree to these Terms, you must not access or use the Platform. Your continued use of the Platform following any amendment constitutes acceptance of the revised Terms.

BitesBanq is a financial-technology and food-commerce platform that enables users to:

• Save money for food-related expenditure through a dedicated Savings Wallet;
• Shop from a curated marketplace of verified food vendors, farmers, and grocers across Nigeria;
• Smart Cart — receive budget-aware product recommendations tailored to your savings goals.

BitesBanq does not hold a banking licence and is not a bank. Financial services (including payment processing and BNPL) are provided in partnership with licensed financial institutions and payment service providers regulated by the Central Bank of Nigeria (CBN). These are Paystack, for the payment processing SafeHaven Microfinance Bank for savings account, and Globus Bank for credit facility and group buy feature. Any applicable payment service is subject to CBN guidelines and the relevant partner institution's terms.

To use the Platform, you must:

• Be at least 18 years of age or the applicable age of majority under Nigerian law;
• Have the legal capacity to enter into binding contracts under Nigerian law;
• Not have been previously suspended or removed from the Platform for violation of these Terms;
• Provide accurate, truthful, and complete registration information; and
• Comply with all applicable Nigerian laws, including but not limited to the Cybercrimes Act 2015, the FCCPA 2018, and CBN regulations.

Users accessing the Platform on behalf of a corporate entity represent and warrant that they have the authority to bind that entity to these Terms.

Vendor eligibility additionally requires valid business registration with the Corporate Affairs Commission (CAC), compliance with applicable food safety standards (NAFDAC regulations), and approval by BitesBanq at our sole discretion.

To access certain features of the Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration and keep it updated;
• Maintain the confidentiality of your password and access credentials;
• Immediately notify us at support@bitesbanq.com of any unauthorised access or security breach;
• Be solely responsible for all activity conducted through your account, whether authorised by you or not; and
• Not share, sell, transfer, or assign your account or credentials to any third party.

We reserve the right to suspend or terminate accounts that we reasonably believe are being misused, compromised, or operated in violation of these Terms.

For Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance in accordance with CBN regulations and the Money Laundering (Prevention and Prohibition) Act 2022, we may require you to provide identity verification documents (e.g., NIN, BVN, government-issued ID) before accessing certain financial features of the Platform.

BitesBanq provides the Platform "as is" and reserves the right to modify, suspend, or discontinue any part of the services at any time with reasonable notice. Specific terms applicable to individual services include:

All financial transactions on the Platform are processed in Nigerian Naira (NGN) unless otherwise specified. By initiating a transaction, you agree to the following:

• Pricing: All prices displayed are in NGN and are inclusive of applicable VAT at the prevailing rate prescribed by the Federal Inland Revenue Service (FIRS). Prices may change without prior notice due to market conditions.
• Payment Methods: We accept payments via bank transfer, debit/credit cards, USSD, and other methods supported by our licensed payment gateway partners. All payment data is processed by PCI-DSS compliant processors and is not stored on our servers.
• Refunds & Chargebacks: Refund requests must be submitted within 7 calendar days of the disputed transaction through the Platform or via support@bitesbanq.com. Approved refunds are processed within 5–10 business days. Initiating chargebacks without first exhausting our internal dispute resolution process may result in account suspension.
• Failed Transactions: Where a transaction fails after your account has been debited, funds will be reversed within 5 business days in accordance with CBN reversal guidelines.
• Taxes: You are responsible for all taxes applicable to your purchases. We collect and remit VAT as required under the Value Added Tax Act.

You agree to use the Platform lawfully and in good faith. The following conduct is strictly prohibited:

Violation of these provisions may result in immediate account suspension or termination, reporting to law enforcement, civil action, or all of the above. We fully cooperate with Nigerian law enforcement authorities in investigating cybercrimes and financial offences.

All intellectual property rights in the Platform — including but not limited to the BitesBanq name, logo, trademarks, software, source code, user interface design, written content, and databases — are owned by or licensed to Bitesbanq Technology Limited and are protected under Nigerian law, including the Copyright Act 2022, the Trade Marks Act, and applicable international intellectual property conventions to which Nigeria is a signatory.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform solely for your personal, non-commercial purposes in accordance with these Terms.

You must not:

• Copy, reproduce, distribute, or modify any part of the Platform without our prior written consent
• Use our trademarks, logos, or brand assets in any manner that is likely to cause confusion or imply our endorsement
• Reverse engineer, decompile, or attempt to extract the source code of our software
• Frame or mirror any part of the Platform on any other website without our express written permission

User-generated content (e.g., reviews, photos you upload) remains your property, but you grant BitesBanq a worldwide, royalty-free, perpetual licence to use, display, and distribute such content in connection with operating the Platform and promoting our services.

The Platform may contain links to, or integrate with, third-party websites, services, or applications ("Third-Party Services") including payment processors, social media platforms, and delivery partners.

• BitesBanq does not control Third-Party Services and is not responsible for their content, privacy practices, or reliability.
• Accessing Third-Party Services is at your own risk and subject to those parties' own terms and privacy policies.
• Our inclusion of any link or integration does not imply endorsement of the Third-Party Service.

For payment services specifically, your relationship with our payment gateway partners (e.g., Paystack, Flutterwave) is governed by their respective terms of service. BitesBanq is not liable for any loss arising from the failure, outage, or fraudulent misuse of third-party payment infrastructure.

Disclaimers

The Platform is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or continuous availability. We do not warrant that the Platform will be error-free, uninterrupted, secure, or free from viruses.

Limitation of Liability

To the maximum extent permitted under applicable Nigerian law, including the Federal Competition and Consumer Protection Act (FCCPA) 2018, BitesBanq and its officers, directors, employees, and affiliates shall not be liable for any:

• Indirect, incidental, consequential, punitive, or special damages;
• Loss of revenue, profit, data, goodwill, or business opportunities;
• Damages arising from your reliance on any information or content on the Platform;
• Losses arising from unauthorised access to your account due to your failure to maintain the confidentiality of your credentials.

Our total aggregate liability to you in respect of all claims arising out of or in connection with the Platform in any twelve (12) month period shall not exceed the total fees paid by you to BitesBanq during that same period, or ₦50,000 (Fifty Thousand Naira), whichever is greater.

Nothing in these Terms limits our liability for fraud, death or personal injury caused by our negligence, or any liability that cannot be excluded under the mandatory provisions of the FCCPA 2018 or other applicable Nigerian consumer protection law.

You agree to indemnify, defend, and hold harmless BitesBanq, its parent, subsidiaries, affiliates, officers, directors, employees, agents, and successors from and against any and all claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:

• Your use of or access to the Platform;
• Your violation of these Terms or any applicable Nigerian law or regulation;
• Your violation of any third party's rights, including intellectual property, privacy, or consumer rights;
• Any content you submit, post, or transmit through the Platform; or
• Any fraudulent or wilful misconduct on your part.

We reserve the right to assume exclusive control of the defence of any matter subject to indemnification by you, at your expense. You agree to cooperate fully with us in asserting any available defences.

By You: You may close your account at any time by contacting us at support@bitesbanq.com. Account closure is subject to settlement of any outstanding balances, including BNPL obligations. Wallet funds will be returned to your nominated bank account within 10 business days following account closure, after applicable deductions.

By BitesBanq: We may suspend or permanently terminate your access to the Platform, with or without prior notice, if we reasonably determine that:

• You have violated these Terms or any applicable law;
• Your account poses a security, reputational, or regulatory risk;
• We are required to do so by a court order or regulatory directive; or
• We are discontinuing the relevant service.

Upon termination, all licences granted to you under these Terms immediately cease. Provisions that by their nature survive termination (including Sections 8, 10, 11, 12, and 13) shall continue in full force and effect.

Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Informal Resolution

Before initiating formal proceedings, you agree to attempt in good faith to resolve any dispute by contacting us at legal@bitesbanq.com. We will acknowledge your notice within 5 business days and endeavour to resolve the matter within 30 days.

Arbitration

If informal resolution fails, any dispute arising out of or in connection with these Terms, including questions regarding their existence, validity, or termination, shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Mediation Act 2023 (AMA 2023) of Nigeria. The seat of arbitration shall be Jos, Nigeria. The language of arbitration shall be English. The arbitral tribunal shall consist of a sole arbitrator appointed by agreement of the parties, or in default, by the Jos Court of Arbitration. The arbitrator's decision shall be final and binding.

Consumer Rights

Nothing in this Section limits your rights as a consumer under the FCCPA 2018 to lodge a complaint with the Federal Competition and Consumer Protection Commission (FCCPC) or to seek remedies available under mandatory consumer protection legislation.

Courts

For matters not subject to arbitration, the parties submit to the exclusive jurisdiction of the Federal High Court of Nigeria or the High Court of Jos State, as applicable.

We may revise these Terms at any time. When changes are material, we will:

• Post the updated Terms on this page with a new "Last Updated" date;
• Send you advance notice by email or in-app notification, where practicable, at least 14 days before the changes take effect for significant alterations; and
• Obtain fresh consent where required by applicable Nigerian law.

Your continued use of the Platform after the effective date of any revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must discontinue use of the Platform immediately.

• Entire Agreement: These Terms, together with our Privacy Policy and any supplementary terms for specific services, constitute the entire agreement between you and BitesBanq with respect to the Platform.
• Severability: If any provision of these Terms is found to be invalid or unenforceable by a competent court or arbitrator, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
• Waiver: Our failure to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign our rights without restriction.
• Force Majeure: We shall not be liable for any delay or failure in performance caused by circumstances beyond our reasonable control, including acts of God, government actions, network failures, or civil unrest.
• Language: These Terms are written in English. In the event of any conflict with a translated version, the English version shall prevail.

For any questions, complaints, or notices regarding these Terms, please contact us:

For consumer complaints under the FCCPA 2018, you may also contact the Federal Competition and Consumer Protection Commission (FCCPC):