ZENITH BANK GLOBALPAY – SME WEBSITE POLICY PACK

1. Terms and Conditions

1.1 Payment Processing

All payments on this website are processed securely via Zenith Bank Plc GlobalPay ("Zenith Bank"), the authorized acquiring bank. The Merchant does not store, process, or have access to customer card details.

1.2 Payment Authorization

By making payment, the customer confirms that they are authorized to use the selected payment method and authorizes Zenith Bank Plc to process the transaction.

1.3 Order Confirmation

An order shall be considered confirmed only after successful payment authorization. The Merchant reserves the right to cancel or refuse any order where payment authorization fails, fraud is suspected, pricing errors occur, or the product or service is unavailable.

1.4 Product and Service Fulfillment

The Merchant is solely responsible for delivering products and services purchased by customers and for providing customer support. Zenith Bank Plc is responsible only for payment processing and is not responsible for product delivery or service fulfillment.

1.5 Refunds

Refunds shall be governed by the Merchant's Refund Policy. Zenith Bank reserves the right to reverse transactions in accordance with the GlobalPay Agreement.

1.6 Chargebacks and Disputes

Customers must contact the Merchant directly regarding any disputes, complaints, or refund requests.

1.7 Fraud Prevention

The Merchant reserves the right to cancel or refuse any transaction where fraud or unauthorized activity is suspected.

1.8 Governing Law

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

1.9 Merchant Contact Information

2. Refund Policy

2.1 Eligibility for Refund

Refunds may be granted where products are not delivered, are defective, incorrect, or where services are not provided.

2.2 Refund Requests

Customers must submit refund requests directly to the Merchant using the contact information provided above.

2.3 Refund Method

Approved refunds will be processed via Zenith Bank GlobalPay and returned to the original payment method used for the transaction.

2.4 Refund Timeline

Refunds will be processed within a reasonable time and in accordance with Zenith Bank GlobalPay and card network rules.

2.5 Chargebacks

Zenith Bank reserves the right to reverse payments and debit the Merchant account in accordance with the GlobalPay Agreement.

3. Privacy Policy

3.1 Information Collected

The Merchant may collect customer name, email address, phone number, and billing information for the purpose of processing transactions.

3.2 Payment Processing

All payment transactions are processed securely by Zenith Bank Plc GlobalPay. The Merchant does not store card details.

3.3 Use of Information

Customer information is used solely for processing transactions, delivering products or services, and providing customer support.

3.4 Information Sharing

Customer information may be shared with Zenith Bank Plc and service providers involved in fulfilling the transaction, where necessary.

3.5 Data Security

The Merchant implements reasonable administrative and technical safeguards to protect customer information.

4. Required Website Disclosures

4.1 Checkout Disclosure

"Payments are securely processed by Zenith Bank Plc GlobalPay. Your card details are not stored on this website."

4.2 Website Footer

This website footer includes links to Terms and Conditions, Refund Policy, Privacy Policy, and Contact Information.