These Terms and Conditions govern access to and use of Oya Commerce by buyers, vendors, authorised representatives, and other users.

By creating an account, accepting these Terms where prompted, or using a service after being notified of these Terms, you agree to the provisions that apply to you. If you do not agree, do not use the relevant service.

Where a separate agreement applies to a specific plan, payment method, banking integration, or other service, that agreement may supplement these Terms. Mandatory legal rights and obligations remain unaffected.

Oya Commerce, we, us, or our refers to the legal entity operating Oya Commerce. Platform means the Oya Commerce website, applications, software, and associated features.

User means a person or organisation using the Platform. Buyer means a user seeking to purchase a product or service from a vendor. Vendor means a business using Oya Commerce to display products, manage business activities, record sales, or use other supported tools.

Vendor Store means a vendor's storefront or business profile. Product means an item or other offering displayed by a vendor. Transaction means a purchase, order, payment, refund, or other commercial activity recorded or supported through the Platform.

Third-Party Partner means an independent provider, such as a bank, payment provider, AI provider, delivery provider, or other external service. Personal Data means information relating to an identified or identifiable individual under applicable data protection law.

Oya Commerce primarily provides software for business management and commerce-related activities. Depending on the features actually available, these may include storefronts, product catalogues, inventory management, order records, transaction histories, receipts, reports, and supported integrations.

Unless a separate written agreement expressly states otherwise, Oya Commerce is not the seller, manufacturer, owner, importer, or distributor of products listed by vendors. Vendors remain responsible for their products, listings, sales commitments, and fulfilment.

A listing on the Platform does not, by itself, mean Oya Commerce has inspected, certified, endorsed, or guaranteed the vendor or product. Use of the Platform does not automatically create a partnership, employment, joint venture, or agency relationship.

A feature mentioned in these Terms is not a promise that it is enabled for every user. Availability may depend on the account, plan, location, partner, and actual product implementation.

You must be legally capable of entering into a binding agreement under applicable law. If you use the Platform for an organisation, you confirm that you have authority to act on its behalf.

You must provide accurate, current, and complete information when registering or using a feature that requires verification. Depending on the service, this may include contact, identity, business, or address information.

You are responsible for protecting your login credentials and for activity carried out through your account, except where applicable law or circumstances attributable to Oya Commerce provide otherwise. Notify the appropriate support channel promptly if you suspect unauthorised access.

Oya Commerce or a relevant partner may request additional information where reasonably necessary for a supported service, account security, fraud prevention, or legal compliance. Providing information does not guarantee approval.

Requests for BVN, identity documents, or other sensitive identifiers must be tied to a legitimate disclosed purpose and handled in accordance with applicable data protection requirements.

You must use Oya Commerce lawfully and must respect the rights, privacy, and security of other users.

• Do not use the Platform for fraud, impersonation, deception, or unlawful activity.
• Do not upload unlawful, misleading, infringing, defamatory, malicious, or prohibited content.
• Do not offer unlawful, counterfeit, stolen, unsafe, restricted, or prohibited products.
• Do not access accounts, systems, or data without authorisation.
• Do not interfere with Platform security or normal operation.
• Do not extract data through unauthorised automated methods.
• Do not circumvent applicable verification, security, or properly disclosed fee requirements.
• Do not misuse another person's Personal Data or send unlawful spam, threats, or harassment.

You remain responsible for content you submit or publish, including product photographs, descriptions, prices, business details, messages, and other materials. You must have the rights and permissions needed to use that content.

You grant Oya Commerce a limited, non-exclusive permission to host, store, reproduce, process, display, and transmit your content as reasonably necessary to operate, maintain, secure, and provide the features you use. This permission does not transfer ownership of your content.

Vendor store names, product listings, photographs, and business descriptions may be publicly visible depending on Platform design and settings. Do not publish confidential information or another person's Personal Data without an appropriate legal basis.

Oya Commerce may review, restrict, or remove content where reasonably necessary to enforce these Terms, respond to complaints, protect users, address intellectual property concerns, or comply with applicable law.

Supported payment or banking functions may depend on third-party partners. Those providers may impose separate terms, eligibility criteria, verification requirements, fees, limits, and transaction rules.

The role of Oya Commerce and each partner in initiating, processing, recording, receiving, holding, transferring, settling, reversing, or refunding money depends on the actual transaction flow and applicable service terms.

Transactions may be declined, delayed, reversed, duplicated, or remain pending because of incorrect details, network issues, partner restrictions, fraud controls, outages, or other circumstances.

Users should retain transaction references and compare important records with confirmations or statements from the relevant provider. A Platform record or receipt should not be treated as proof of bank settlement unless it expressly confirms that status based on reliable information.

Applicable fees, commissions, subscriptions, partner charges, and taxes must be disclosed before the relevant commitment or transaction where required by law. No particular fee or collection method is created merely by mentioning a possible pricing model in these Terms.

While actual fiat funds are held by our licensed banking and payment partners, Oya Commerce maintains digital ledger records, wallet balances, and credit tracking to assist merchants with business accounting. Ledger credits and balances reflect transactional states within the platform and are governed by our refund and credit-usage policies.

While Oya Commerce acts as software infrastructure and does not directly provide banking services (which are handled by licensed financial partners), we are committed to maintaining the accuracy of our unified transaction ledger and assisting users with reconciliation, recordkeeping disputes, and transaction support in accordance with our standard operational timelines.

Where available, Oya Commerce may provide AI-assisted tools for tasks such as generating or improving product descriptions, product images, or other business content. The availability and scope of these tools may change.

AI-generated output may be incomplete, inaccurate, misleading, unsuitable, or inconsistent with the actual product. Users must review and correct generated content before publishing or relying on it.

Vendors remain responsible for final product listings and claims. Users must have the rights necessary to use submitted reference images, logos, photographs, and other materials.

Where a feature uses an external AI provider, information submitted to that feature may be processed by that provider to produce the requested output, subject to the relevant arrangements and privacy disclosures. Do not submit unnecessary Personal Data, banking credentials, or confidential information.

AI outputs are not guaranteed to be unique, error-free, legally compliant, or suitable for a particular purpose.

Subject to third-party rights, Oya Commerce and its licensors retain ownership of the Platform software, branding, logos, designs, interfaces, documentation, and materials created or licensed by Oya Commerce.

You receive a limited, revocable, non-exclusive, non-transferable right to use the Platform for its intended purposes, subject to these Terms. You must not copy, resell, reverse engineer, distribute, or commercially exploit Platform components except where permitted by law or expressly authorised.

Users retain ownership of content they own and submit, subject to the limited permissions granted under these Terms. You must not upload or use another person's protected material without appropriate authorisation.

Where reports or exports are available, users may use them for lawful personal or business purposes, subject to third-party rights and applicable service terms.

Use of Oya Commerce is also subject to its Privacy Policy, which explains the Personal Data collected, purposes of use, disclosures, retention, safeguards, and applicable user rights.

Depending on the services used, information may include account details, business information, storefront content, orders, transaction records, contact information, delivery details, and information required for a supported verification or banking service. Not every user will be required to provide every category.

Vendors may access Buyer Data to fulfil orders or use relevant features. Vendors must use that information lawfully and must not sell buyer contact lists or use Personal Data for unrelated purposes without an appropriate legal basis.

Users must take reasonable steps to protect Personal Data they access. A user who becomes aware of unauthorised access, disclosure, loss, or misuse must notify the appropriate party and cooperate with reasonable investigation and mitigation steps.

In compliance with the Nigeria Data Protection Act (NDPA) and NDPR, users retain the absolute right to access, rectify, object to, or request the deletion of their personal data. Data privacy requests can be submitted directly via our privacy contact channels or by emailing oyacommerce.privacy@itcloser.com.

Oya Commerce will make reasonable efforts to operate the Platform, but uninterrupted access cannot be guaranteed. Maintenance, updates, connectivity issues, outages, security incidents, third-party failures, or circumstances beyond reasonable control may affect availability.

Oya Commerce may add, modify, suspend, or discontinue features for technical, operational, legal, security, or commercial reasons. Where a change materially affects a paid service or existing commitment, notice will be provided where reasonably practicable and as required by law or the applicable agreement.

Users should maintain appropriate records of important business information. Backup, recovery, retention, and export capabilities depend on the features actually provided. Unlimited retention or recovery is not promised unless expressly stated in a separate agreement.

To the extent permitted by law, Oya Commerce does not guarantee that vendor products, descriptions, stock, business claims, or conduct have been independently verified.

Oya Commerce does not guarantee that a buyer and vendor will complete a transaction, that a product will meet a buyer's expectations, or that third-party banking, payment, delivery, or AI services will be approved, uninterrupted, or successful.

Information and reports provided through the Platform may need to be checked against the relevant source or transaction record.

Nothing in these Terms excludes a right, remedy, warranty, or obligation that cannot lawfully be excluded.

Each user is responsible for their own actions, omissions, representations, products, and use of the Platform. Vendors are responsible for products, fulfilment, pricing, legal disclosures, and obligations to buyers. Buyers are responsible for accurate order information and lawful use of payment methods.

To the extent permitted by law, Oya Commerce will not be liable for indirect or consequential losses that were not reasonably foreseeable, subject to non-excludable rights and the circumstances of the claim.

Nothing in these Terms excludes or limits liability for fraud, wilful misconduct, death or personal injury where exclusion is prohibited, or any other liability that cannot lawfully be excluded or limited.

To the extent permitted by law, a user may be responsible for reasonable losses, claims, liabilities, and costs arising directly from that user's unlawful conduct, material breach, infringement of third-party rights, or misuse of Personal Data. This does not make a user responsible for losses caused by another party's own breach or unlawful conduct.

Users may request account closure through the available process or published support channel. Before closure, users should preserve important records where an export feature is available.

Oya Commerce may restrict or suspend access where reasonably necessary to protect users, investigate suspected misuse, address security risks, enforce these Terms, respond to valid partner restrictions, or comply with law.

Access may be terminated for material or repeated breach, unlawful use, a material security risk, or another lawful reason, subject to applicable notice and consumer protection requirements.

We reserve the right to suspend or terminate accounts that breach these Terms, engage in fraud, or violate financial compliance rules. We will provide reasonable advance notice of significant changes to these Terms or service modifications where practicable, except in cases of urgent security threats or legal compliance.

Termination does not erase obligations that arose earlier. Records may be retained where necessary for legitimate operational, security, dispute-resolution, accounting, or legal purposes, subject to the Privacy Policy and applicable law.

Users should first raise complaints through the official Oya Commerce support channel once it has been confirmed and published. Include relevant account, order, or transaction references and avoid sending passwords or unnecessary sensitive information in ordinary support messages.

Oya Commerce may review available records, request relevant information, contact affected parties, or refer a payment issue to the responsible Third-Party Partner.

Nothing in these Terms prevents users from exercising statutory rights, contacting an appropriate regulator, or seeking urgent legal relief where permitted by law.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms shall be subject to the jurisdiction of the competent courts of Nigeria, subject to applicable Nigerian law.

Oya Commerce may update these Terms to reflect changes in services, operating arrangements, partner relationships, legal requirements, or business practices.

Revised Terms should display an updated date. Where required by law or where a change materially affects users, appropriate notice will be provided and renewed consent obtained where necessary.

If you do not agree to a material change, you should stop using the affected service and may request account closure, subject to outstanding obligations and applicable law.

These Terms, the applicable Privacy Policy, and any additional service terms expressly incorporated into them govern the relevant use of Oya Commerce, subject to any separate written agreement that applies.

If a provision is unlawful or unenforceable, it will be limited or removed only to the extent necessary, and the remaining provisions will continue to apply to the extent permitted by law. Failure or delay in enforcing a provision does not automatically waive the right to enforce it later.

Users may not transfer their rights or obligations without required consent. Oya Commerce may transfer its rights and obligations as part of a lawful business reorganisation or transfer of the relevant service, subject to applicable law and any required notice.

Third-Party Partners may provide services under separate terms and privacy notices. Oya Commerce remains responsible for its own obligations under applicable law and agreements it has accepted.

Notices may be provided through the Platform, by email, or through another appropriate account channel, subject to legal requirements. Users must keep contact details current.

These Terms are written in English.

Buyers must provide accurate information when registering or placing an order. A buyer must not use another person's account, payment details, identity, or contact information without proper authority.

Before confirming a purchase, buyers should review the product, quantity, price, delivery information, applicable charges, and relevant product conditions.

Product listings are generally provided by vendors, who are responsible for the accuracy of product descriptions, photographs, prices, availability, specifications, warranties, and other representations.

Buyers should review the information provided and ask the vendor for clarification where important details are unclear. A listing's presence on the Platform does not mean Oya Commerce independently verified every statement or product characteristic.

Buyers may report listings they reasonably believe are unlawful, deceptive, unsafe, counterfeit, or materially inaccurate through the published reporting or support channel.

Submitting an order is not necessarily the same as receiving confirmation that the order has been accepted. The actual order flow and vendor terms determine when an order is accepted and a purchase contract is formed.

Unless the relevant transaction flow expressly provides otherwise, the vendor is responsible for accepting, rejecting, or fulfilling an order. A vendor may be unable to fulfil an order because of stock limitations, pricing errors, delivery restrictions, or other legitimate reasons, subject to applicable law.

A buyer's ability to change or cancel an order depends on its status, the vendor's disclosed policy, applicable service terms, and law. Buyers should contact the vendor promptly. Nothing in these Terms removes a legal right to cancel.

If payment has been made for an order that cannot be fulfilled, the vendor, Oya Commerce, and/or the relevant payment partner must handle the next steps according to their respective roles, transaction arrangements, and applicable law.

Vendors are responsible for setting and maintaining product prices. Buyers should review the total amount payable, including disclosed delivery charges, taxes, and other applicable fees, before completing an order.

Available payment methods depend on the features enabled for the buyer and the relevant partners. Buyers must use payment methods lawfully and provide accurate information required by the provider.

An order confirmation, receipt, or transaction entry may indicate different transaction stages. Buyers should distinguish between an order being recorded, a payment being initiated, a payment being completed, and funds being settled.

Where a transaction is pending, duplicated, reversed, or disputed, buyers should retain the transaction reference and contact the appropriate support channel and payment provider as necessary.

Where a receipt is provided, buyers should check its contents. A receipt should not be treated as proof of bank settlement unless it expressly and accurately confirms that status.

Unless a specific service expressly provides otherwise, the vendor is responsible for preparing and fulfilling an order, providing accurate delivery information, and communicating material delays or problems.

Delivery may be performed by the vendor, the buyer, or a separate delivery provider, depending on the arrangement for the transaction. Buyers should review the delivery terms supplied by the vendor before placing an order.

If an order is delayed, incomplete, damaged, or not received, the buyer should contact the vendor and, where relevant, the delivery provider and Oya Commerce through the available complaint channel.

Oya Commerce does not promise a particular delivery time or outcome unless that promise is expressly made for the specific service or transaction.

Returns, cancellations, replacements, and refunds are handled through a shared process involving the vendor and, where applicable, Oya Commerce and the relevant payment partner. Responsibility depends on the transaction, the issue, service arrangements, and applicable law.

The vendor is responsible for addressing product-related matters within its control, including inaccurate descriptions, incorrect items, defective goods, missing items, fulfilment failures, and its stated return or warranty commitments.

Where supported by the Platform and applicable arrangements, Oya Commerce may help receive complaints, review transaction records, communicate with the parties, document a dispute, or coordinate with a payment partner. This does not mean Oya Commerce guarantees every complaint outcome or funds every refund.

A payment partner may control or participate in the processing, reversal, settlement, or execution of a refund. Timing may depend on the payment method, provider, verification requirements, and applicable law.

Buyers should submit requests as soon as reasonably practicable and provide relevant information, such as an order reference, reason for the request, and supporting evidence where appropriate.

No universal refund deadline or guaranteed outcome is created by this clause. Nothing in these Terms removes a buyer's statutory rights concerning defective goods, misleading representations, unfair practices, cancellation, or refunds.

Buyers must not knowingly make fraudulent payment claims, fabricate evidence, abuse vendors, manipulate transaction records, or misuse complaint processes.

This does not prevent a buyer from making a genuine complaint, disputing an unauthorised transaction, reporting suspected fraud, or exercising statutory rights.

Where appropriate, buyers should first use the relevant vendor or support process. They may also contact a payment provider, regulator, or competent authority where permitted by law.

Buyer contact and transaction information may be shared with a vendor or Third-Party Partner to the extent necessary for the relevant order, delivery, payment, support request, or other disclosed service.

Vendors must handle buyer information lawfully and must not use it for unrelated purposes without an appropriate legal basis. Buyers should avoid sharing passwords, security codes, or unnecessary identity and banking information through ordinary messages.

Vendors must provide accurate business and account information and have the legal authority required to offer their products.

Oya Commerce or a relevant partner may request business, identity, banking, or other verification information where reasonably required for a supported service, account security, fraud prevention, or legal compliance.

Approval to use Oya Commerce is not a licence, regulatory approval, product certification, or guarantee that the vendor meets every legal requirement. Vendors remain responsible for obtaining and maintaining required registrations, permits, licences, and tax registrations.

Vendors must not use another person's identity, business details, or banking information without proper authority.

Vendors are responsible for the activities of their authorised representatives and staff to the extent those activities are carried out under the vendor's account or authority.

Where staff accounts, roles, or permissions are supported, vendors should assign access appropriately and remove access when it is no longer required. Vendors must report suspected unauthorised access promptly.

Vendors are responsible for the accuracy and lawful use of their storefront names, logos, addresses, contact details, product images, descriptions, and other published information.

Store names and product information may be publicly visible where the Platform is designed to display them. Vendors should not publish private residential addresses, personal telephone numbers, or other sensitive details unless intended for public display and supported by an appropriate legal basis.

Vendors must not use another business's branding or falsely suggest affiliation with Oya Commerce or another entity. Oya Commerce may restrict or remove content where reasonably necessary to address unlawful, deceptive, infringing, unsafe, or prohibited material.

Vendors must ensure listings accurately describe products, including material features, condition, quantity, price, limitations, and legally required warnings or disclosures. Photographs must not materially misrepresent the product.

Where inventory features are supported, vendors should take reasonable steps to keep stock and availability information accurate. Vendors must address orders they cannot fulfil and must not knowingly advertise unavailable products as available.

Vendors are responsible for setting accurate prices and disclosing applicable charges before a buyer commits to a purchase. Deceptive pricing, hidden mandatory charges, and false discounts are prohibited.

Vendors must not list products or services prohibited by law or applicable Platform rules. Vendors remain responsible for age, safety, licensing, geographic, and other product restrictions.

Vendors are responsible for reviewing incoming orders, maintaining accurate order information, and fulfilling accepted orders according to the terms disclosed to buyers and applicable law.

Where the relevant feature is available, vendors should provide accurate updates when orders are accepted, delayed, cancelled, dispatched, or otherwise changed.

Vendors must not falsely mark an order as fulfilled or use the Platform to create fictitious sales. If an accepted order cannot be fulfilled, the vendor must communicate promptly and take appropriate steps concerning cancellation, payment, and refund obligations.

Oya Commerce may provide features for recording sales, tracking inventory, maintaining purchase records, generating receipts, or producing business reports.

Vendors are responsible for entering accurate information and reviewing resulting records. Where information is imported, synchronised, or generated from another system, vendors should check its completeness and accuracy.

Vendors remain responsible for accounting, tax, regulatory reporting, recordkeeping, and other legal obligations. Platform reports do not replace professional accounting advice or records required by law.

Vendors must not knowingly alter, falsify, or manipulate transaction records for fraud, deception, or unlawful purposes.

Banking or payment features may require separate onboarding, verification, account linking, acceptance of provider terms, or other conditions.

The timing, eligibility, fees, limits, and conditions for receiving funds depend on the actual service and relevant provider. Oya Commerce does not guarantee settlement or payout timing unless an applicable written agreement expressly provides that guarantee.

Vendors must provide accurate banking details only where required for a supported feature and must have authority to use those details.

If a banking partner requires BVN or other identity information, collection and processing must follow the applicable service terms and Privacy Policy. Vendors must not request buyer banking credentials or sensitive identifiers unless lawfully required and collected through an appropriate process.

Vendors should reconcile Platform records with relevant bank statements, provider records, receipts, and supporting documents. Suspected errors should be reported through the appropriate channel.

Where supported, vendors may use Oya Commerce to generate or maintain receipts, invoices, or other transaction records.

Vendors are responsible for the accuracy of information they supply and for ensuring that invoices, tax documents, and other records meet the requirements applicable to their businesses.

A Platform-generated receipt does not automatically establish that it meets every statutory invoicing or tax requirement. Vendors must not use buyer records for unlawful marketing, harassment, or unrelated purposes without an appropriate legal basis.

Vendors must communicate return, cancellation, replacement, and refund terms where required and comply with applicable law. They must respond reasonably and promptly to genuine complaints about their products, pricing, descriptions, delivery, fulfilment, or conduct.

Vendors must reasonably cooperate with Oya Commerce when it assists with a complaint or dispute involving a transaction recorded through the Platform. This may include providing order information, communicating with a buyer, correcting an inaccurate listing, or responding to reasonable evidence requests, subject to privacy and confidentiality requirements.

The vendor's obligation to approve or fund a refund, Oya Commerce's role in coordinating it, and a payment partner's role in executing it depend on the actual transaction arrangement.

Vendors must not claim that a refund has been completed without a reasonable basis to confirm its status. No automatic right for Oya Commerce to debit a vendor's bank account or withhold a payout is created unless a separate valid agreement and applicable law permit it.

Where available, vendors may use AI-assisted tools to prepare product images, descriptions, titles, or other content. Vendors must review generated content before publication and remain responsible for the final listing.

Vendors must not publish generated content that falsely represents a product's appearance, ingredients, performance, safety, origin, certification, warranty, or another material characteristic.

Generated images must not be presented as authentic photographs of the actual product where doing so would materially mislead buyers. Vendors must have the necessary rights to use submitted photographs, logos, reference images, and other materials.

Vendors must not submit unnecessary Personal Data or confidential information to external AI features. Details of third-party processing must be explained in the Privacy Policy.

Vendors may access Buyer Data to the extent supported by the Platform and necessary for a transaction or service. Vendors must handle that information lawfully and protect it against unauthorised access, disclosure, alteration, loss, or misuse.

• Use Buyer Data only for lawful and appropriate purposes.
• Restrict access to staff who reasonably need the information.
• Do not retain Personal Data longer than necessary, subject to legal recordkeeping requirements.
• Respect applicable data subject rights and cooperate with lawful requests.
• Report relevant data incidents where required.
• Do not share buyer information with unrelated businesses or marketing providers without a lawful basis.
• Comply with applicable requirements for marketing communications, payment information, and delivery details.

Oya Commerce may offer different pricing arrangements, including activation fees, subscriptions, commissions, feature-based charges, or other disclosed fees. The fees applicable to a vendor depend on the specific plan, service, promotion, or agreement accepted.

Mentioning a possible fee type in these Terms does not establish that it is currently charged or that a particular amount applies.

Applicable prices, billing periods, payment methods, renewal terms, cancellation rules, and taxes must be disclosed before the vendor commits to a paid service, as required by law.

Pricing may change prospectively subject to the applicable agreement and legal requirements. Material changes will be communicated in advance where required.

If a vendor fails to pay a properly due fee, Oya Commerce may use remedies disclosed in the applicable plan or service terms, subject to notice requirements and law. No automatic debit, commission withholding, or other collection method is created unless expressly agreed and lawfully implemented.

The final plan terms must specify cancellation procedures, any minimum commitment, and whether unused fees are refundable.

Vendors must operate lawfully and fairly. They must not sell prohibited products, misrepresent product quality or availability, create fake orders or reviews, misuse buyer information, circumvent agreed fees, engage in fraud, infringe intellectual property, make false claims about Oya Commerce, facilitate unlawful payments, or compromise Platform security.

Oya Commerce may request information, restrict a listing, suspend a feature, or take other reasonable action to address suspected violations.

Oya Commerce may restrict or remove a storefront, listing, or vendor account where reasonably necessary to address suspected fraud, prohibited products, material misrepresentation, security threats, legal requirements, substantiated repeated complaints, or material breaches of these Terms.

Where appropriate and legally permitted, Oya Commerce will explain the reason and any available review or appeal process.

Suspension or removal does not automatically resolve outstanding orders, refunds, disputes, fees, or legal obligations. Vendors remain responsible for addressing those matters according to applicable agreements and law.

A vendor may request account closure through the available process. Before closure, the vendor should fulfil or appropriately resolve outstanding orders, address pending refunds and complaints, settle undisputed amounts properly due, and export important records where an export feature is available.

Oya Commerce may retain records where reasonably necessary for lawful operations, security, dispute resolution, accounting, or legal compliance, subject to the Privacy Policy and applicable law.

Unlimited retention, a particular export format, or immediate deletion is not promised unless expressly stated in a separate service agreement.

Users should report suspected fraud, impersonation, unlawful listings, security concerns, or serious misuse through the official reporting or support channel once confirmed and published.

Reports should contain relevant facts and supporting information where reasonably available. Users must not knowingly submit false reports to harass another user or gain an unfair advantage.

Oya Commerce may review reports and take reasonable action within its role and available information. It does not guarantee that every report will result in a particular outcome.

Certain features may depend on external services, which may include banking, payment, AI, hosting, messaging, analytics, or other providers depending on the features actually implemented.

The availability, eligibility, fees, and terms of a third-party service may change independently of Oya Commerce. Users may be required to accept the provider's terms before using the relevant feature.

Material third-party processing and service relationships should be identified in the appropriate service disclosures and Privacy Policy. This clause does not establish that a particular integration is active or that a provider has accepted a specific obligation.

To the extent permitted by law, a party will not be treated as having breached these Terms solely because performance is delayed or prevented by circumstances beyond its reasonable control, such as major network failures, natural disasters, public emergencies, government actions, or widespread third-party outages.

The affected party should take reasonable steps to reduce the impact and resume performance where practicable. This clause does not automatically excuse payment obligations already due, remove statutory rights, or exclude liability where law prohibits that result.

Questions about these Terms, account restrictions, complaints, or legal matters should be directed through the official Oya Commerce contact channels.

• Legal entity: ITCloser Technologies Ltd.
• Registration number: 8952881
• Registered address: HOUSE 11A ROAD 26, IKOTA VILLA ESTATE, AJAH , LEKKI, LAGOS, NIGERIA
• General support: oyacommerce.support@itcloser.com
• Privacy contact: oyacommerce.privacy@itcloser.com
• Legal notices: oyacommerce.legal@itcloser.com
• Website: https://oyacommerce.com