Terms and Conditions for our Website and Mobile App

Last Updated: 10 Dec 2024 10:00 GMT+1

Welcome to Ceed - The Cross Boarder market! These Terms and Conditions govern your use of  Ceed - The Cross Boarder Market, available through our website and mobile app (collectively, the "Platform"). By accessing or using the Platform, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using the Platform, you accept and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and any other policies or guidelines incorporated herein. If you do not agree to these terms, please do not use the Platform.

2. Accounts

To access certain features of the Platform, you may need to create an account. There are three types of accounts on our Platform: Customer Account, Vendor Account, and Delivery Boy Account.

A. Customer Account:

• Eligibility: To create a customer account, you must be at least 18 years old or the legal age of majority in your jurisdiction.
• Account Creation: You must provide accurate and complete information during the registration process. You are responsible for maintaining the confidentiality of your account and password.
• Account Security: You agree to notify us immediately of any unauthorized use of your account. We are not responsible for any losses arising from unauthorized access to your account.

B. Vendor Account:

• Eligibility: Vendors must be legitimate businesses or individuals legally permitted to sell goods or services through the Platform.
• Account Creation: To become a vendor, you must provide all required business documentation, including but not limited to your business registration, tax identification number, and product details. The approval of your vendor account is subject to our review.
• Vendor Responsibilities: Vendors are responsible for the quality, legality, and description of the products listed. Vendors must adhere to applicable local laws and regulations regarding product sales.

C. Delivery Boy Account:

• Eligibility: Delivery personnel must meet the legal age requirement and possess valid transportation means (e.g., bicycle, motorcycle, or vehicle) to perform delivery services.
• Account Creation: Delivery personnel must provide personal details and identification documents. Upon approval, they will be granted access to the delivery management system.
• Delivery Boy Responsibilities: Delivery personnel must adhere to our delivery guidelines, ensuring timely and accurate deliveries while maintaining a professional attitude.

3. Vendor and Customer Relationship

• Product Listings: Vendors list products on the Platform. Customers can browse these listings, make orders, and complete purchases. All transactions between vendors and customers are conducted through the Platform.
• Order Processing: Vendors are responsible for fulfilling orders in a timely manner. Customers are responsible for reviewing product descriptions before completing a purchase.
• Pricing: Vendors set product prices. Prices may change, and customers will be notified of any price adjustments before completing a transaction.

4. Delivery and Shipping Policy

• Delivery Process: Customers can select from available delivery methods. Delivery personnel will handle the transportation of goods from the vendor to the customer’s specified address.
• Delivery Fees: Delivery charges may vary based on the shipping distance, delivery method, and other factors. Customers will be notified of any applicable charges before checkout.
• Delivery Time: Delivery times are estimates and may vary based on availability, distance, and other factors. We make no guarantees regarding delivery timelines, but we strive to ensure timely delivery.
• Delivery Boy Responsibilities: Delivery personnel must ensure the safe and timely delivery of goods. They must communicate effectively with customers in case of delays or issues.

5. Payment Gateway Policy

• Payment Methods: The Platform supports various payment methods, including credit/debit cards, bank transfers, and other electronic payment methods.
• Transaction Processing: Payments for orders are processed securely through a third-party payment gateway. By using our payment services, you agree to the terms and conditions of the payment processor, which may include additional fees and policies.
• Refunds and Cancellations: Refunds are processed according to our refund policy. Customers can cancel orders under certain conditions, subject to vendor approval and applicable fees. Refunds are issued to the original payment method, and processing times may vary.

6. Prohibited Activities

You agree not to engage in the following activities while using the Platform:

• Violating any applicable law, regulation, or third-party rights.
• Using the Platform for fraudulent or illegal purposes.
• Posting false or misleading product information.
• Harassing or abusing other users, vendors, or delivery personnel.
• Attempting to hack, disable, or interfere with the operation of the Platform.
• Using unauthorized payment methods.

7. Termination of Accounts

We reserve the right to suspend or terminate your account at any time, with or without cause, and without prior notice, if we believe that you have violated these Terms and Conditions. Upon termination, your access to the Platform will be revoked, and you will no longer be able to use the services provided.

8. Intellectual Property

All content on the Platform, including logos, trademarks, text, graphics, images, and software, is the property of Ceed Africa Limited or its licensors and is protected by copyright laws. You may not reproduce, distribute, or use any content without prior written permission.

9. Limitation of Liability

To the fullest extent permitted by law, Ceed Africa Limited is not liable for any damages, losses, or expenses arising out of your use of the Platform, including but not limited to indirect, incidental, or consequential damages. This includes any issues related to the delivery, quality, or availability of products purchased through the Platform.

10. Payment Gateway Policy, Chargebacks, Penalties, Damages, and Other Liabilities

A. Payment Processing

• Third-Party Payment Gateway
   All payments for products or services purchased through our Platform will be processed through a third-party payment gateway provider. We currently support the following payment methods:
  
• Credit/Debit Cards (Visa, MasterCard, American Express, etc.)
• Bank Transfers
• Mobile Wallets (e.g., Apple Pay, Google Pay, PayPal)
• Other electronic payment methods (e.g., Stripe, Square)
• Payment Gateway Fees
   The payment gateway charges a fee for each successful transaction processed. These fees are typically a percentage of the total transaction amount and may vary by country and payment method. The following are estimated fee structures:
  
• Credit/Debit Cards:
• United States: 2.9% + $0.30 per transaction
• European Union: 1.4% + €0.25 per transaction
• India: 2% + ₹10 per transaction
• Australia: 1.75% + AUD $0.30 per transaction
• Bank Transfers:
• United States: $2.00 per transfer
• United Kingdom: £1.50 per transfer
• India: ₹10–₹20 per transfer
• Mobile Wallets (PayPal, Google Pay, etc.):
• Global (general): 3% + fixed fee depending on the country (e.g., PayPal typically charges 3.49% + a fixed fee per transaction).
• Currency Conversion Fees
   When payments are made in a currency different from the currency set for your account, a currency conversion fee may apply. The rate is determined by the payment gateway provider and is typically between 2%–3% of the transaction amount. Currency conversion fees may be higher in countries with less commonly used currencies.
  
• Payment Security
   We use industry-standard encryption and security protocols (such as SSL and TLS) to protect all payment transactions. However, you acknowledge that the payment gateway provider is responsible for the security of your payment information once it is processed by them.
  

B. Risk of Chargebacks

• Chargeback Policy
   A chargeback occurs when a customer disputes a transaction with their bank or payment processor, requesting a reversal of the payment. Chargebacks may arise from reasons such as fraud, non-receipt of goods, or dissatisfaction with the product.
   Chargeback fees are imposed by the payment gateway and the financial institutions involved, and these may differ depending on the country.
  
• Chargeback Fees by Country and Payment Gateway
   The chargeback fees imposed on vendors for handling a chargeback can be as follows:
  
• United States: $15–$25 per chargeback
• European Union: €15–€20 per chargeback
• India: ₹100–₹500 per chargeback
• Australia: AUD $20 per chargeback
• These fees will be deducted from the vendor's account in the event of a chargeback.
  
• Risk of Chargebacks for Vendors
   Vendors are responsible for mitigating chargebacks and fraudulent transactions. Vendors who experience high chargeback rates (typically above 1% of monthly transactions) may be subject to additional penalties, including suspension or termination of their account.
  
• Refund Policy and Chargebacks
   In the event of a chargeback, we encourage customers to first attempt to resolve the issue directly with the vendor. If a chargeback is initiated despite efforts to resolve the dispute, the payment gateway provider may issue a refund to the customer, and the vendor may be responsible for reimbursing the chargeback fees and costs.
  

C. Penalties and Liabilities

• Vendor Liabilities for Chargebacks
   Vendors who incur chargebacks due to non-delivery, fraudulent product listings, or failure to resolve disputes may be liable for the chargeback fees and any associated damages. Vendors will be required to reimburse us for any costs or penalties incurred as a result of chargebacks or disputes.
  
• Chargeback Penalties
  
• United States: Vendors may be penalized with higher fees (up to 3%) on future transactions if they accumulate more than 1% chargebacks in a given month.
• European Union: Vendors may face a 1% penalty of total sales volume for the month if chargebacks exceed 2% of total transactions.
• India: Vendors may have their accounts suspended for a period of time if chargebacks exceed 5% of total sales.
• Australia: Vendors with chargebacks higher than 2% of monthly transactions may be banned from using the platform for 30 days.
• Reimbursement for Chargeback Fees
   If chargebacks occur due to vendor error or failure to deliver goods or services, the vendor is required to reimburse us for all related fees, penalties, and any legal costs incurred by our platform to resolve the chargeback.
  
• Liability for Damages and Harm
   In addition to chargeback fees and penalties, vendors and customers may be held liable for any damages resulting from fraud, violation of these terms, or failure to fulfill their obligations. This includes, but is not limited to:
  
• Loss of Reputation: Damage to the Platform's reputation or the vendor's reputation due to fraud, chargebacks, or customer dissatisfaction.
• Financial Losses: Losses resulting from excessive chargeback rates, customer disputes, or fraudulent transactions.
• Legal Liabilities: Vendors or customers may be subject to legal action if found to be engaged in fraudulent activity, including misrepresentation or unauthorized use of payment methods.

D. Payment Gateway Termination

• Suspension of Payment Gateway Services
   We reserve the right to suspend or terminate the use of the payment gateway if fraudulent activity is detected, if these terms are violated, or if the payment gateway provider suspends or terminates its services. In such cases, users may not be able to process payments through the Platform until the issue is resolved.
  
• Dispute Resolution
   In the event of a payment dispute, chargeback, or other issue, both customers and vendors are encouraged to first seek resolution through direct communication. If the dispute cannot be resolved, it may be escalated to the payment gateway provider or the relevant financial institution for further action.
  

11. Governing Law and Dispute Resolution

These Payment Gateway Terms, including all chargeback, penalties, and liability clauses, are governed by the laws of every region. Any disputes arising from these terms, including disputes related to chargebacks, penalties, or payment gateway fees, will be resolved through binding arbitration, unless otherwise required by law.

Certainly! Below is a breakdown of several popular payment gateways categorized by countries and regions. Each gateway has specific fees, features, and services available depending on the region. For each country or region, I have listed common payment gateways that are widely used. Please note that some gateways may support multiple regions or countries.

12. Payment Gateways by Country and Region

A. United States

• PayPal
  
• Fees: 2.9% + $0.30 per transaction (domestic); higher for international transactions.
• Supported Methods: Credit/Debit Cards, PayPal balance, Bank Transfers, and eCheck.
• Popular Features: Seller protection, easy integration for online stores, mobile payments.
• Stripe
  
• Fees: 2.9% + $0.30 per transaction (domestic); 3.9% for international transactions.
• Supported Methods: Credit/Debit Cards, ACH payments, Google Pay, Apple Pay, Alipay.
• Popular Features: Subscription billing, online marketplace support, recurring payments.
• Square
  
• Fees: 2.6% + $0.10 per swipe (domestic); higher for online or international transactions.
• Supported Methods: Credit/Debit Cards, Apple Pay, Google Pay.
• Popular Features: Point-of-sale (POS) solutions, small business tools, online store integration.
• Authorize.Net
  
• Fees: 2.9% + $0.30 per transaction (domestic); higher for international.
• Supported Methods: Credit/Debit Cards, eChecks, PayPal.
• Popular Features: Recurring billing, fraud prevention tools, secure payment processing.
• Braintree (owned by PayPal)
  
• Fees: 2.9% + $0.30 per transaction.
• Supported Methods: Credit/Debit Cards, PayPal, Google Pay, Apple Pay, Venmo (in the U.S.), and more.
• Popular Features: Cross-border payments, mobile apps, recurring billing.

B. European Union

• Stripe
  
• Fees: 1.4% + €0.25 per transaction (for EU-issued cards); 2.9% for non-EU cards.
• Supported Methods: Credit/Debit Cards, SEPA Direct Debit, Apple Pay, Google Pay.
• Popular Features: Multi-currency support, integration with local EU payment methods (e.g., iDEAL, Giropay).
• PayPal
  
• Fees: 1.9% to 3.4% per transaction, depending on the country (for EU-based merchants).
• Supported Methods: Credit/Debit Cards, PayPal balance, bank transfers, local payment methods (iDEAL, Sofort, etc.).
• Popular Features: Cross-border transactions, PayPal Credit.
• Adyen
  
• Fees: Varies based on transaction volume and methods.
• Supported Methods: Credit/Debit Cards, iDEAL, Bancontact, Giropay, SEPA Direct Debit.
• Popular Features: Cross-border transactions, multi-currency, subscription billing.
• Skrill
  
• Fees: 1.9% to 3.99% per transaction, depending on the country and payment method.
• Supported Methods: Credit/Debit Cards, Skrill Wallet, bank transfer, local payment methods (e.g., Giropay, Sofort).
• Popular Features: International money transfers, crypto payments, online gambling payments.
• Klarna
  
• Fees: Typically around 2.29% + €0.25 per transaction.
• Supported Methods: Credit/Debit Cards, Bank Transfer, Invoice.
• Popular Features: "Buy now, pay later" services, popular in Scandinavian countries.

C. United Kingdom

• PayPal
  
• Fees: 2.9% + £0.30 per transaction (domestic); 3.4% for international transactions.
• Supported Methods: Credit/Debit Cards, PayPal balance, and local payment methods.
• Popular Features: Seller protection, fast cross-border payments.
• Stripe
  
• Fees: 1.4% + £0.20 per transaction (for UK cards); 2.9% for non-UK cards.
• Supported Methods: Credit/Debit Cards, Apple Pay, Google Pay, iDEAL, Alipay, and other local methods.
• Popular Features: Multi-currency support, subscription billing, one-click payments.
• Worldpay
  
• Fees: Varies based on transaction volume and type.
• Supported Methods: Credit/Debit Cards, Direct Debit, PayPal, Apple Pay, and others.
• Popular Features: Merchant accounts, point-of-sale systems, international payment support.
• GoCardless
  
• Fees: 1% + £0.20 per transaction.
• Supported Methods: Direct Debit.
• Popular Features: Recurring billing, direct bank payments, B2B payments.

D. Canada

• Stripe
  
• Fees: 2.9% + CAD $0.30 per transaction.
• Supported Methods: Credit/Debit Cards, Interac, Google Pay, Apple Pay.
• Popular Features: Online subscription, multi-currency support, invoicing.
• PayPal
  
• Fees: 2.9% + CAD $0.30 per transaction (domestic).
• Supported Methods: PayPal balance, credit/debit cards, local payment methods.
• Popular Features: Simple and secure online payments, recurring billing, PayPal Credit.
• Moneris
  
• Fees: Varies based on transaction volume and methods.
• Supported Methods: Credit/Debit Cards, Apple Pay, Google Pay, Visa Debit.
• Popular Features: Merchant services, mobile payment solutions, fraud protection.

E. Australia

• Stripe
  
• Fees: 1.75% + AUD $0.30 per transaction.
• Supported Methods: Credit/Debit Cards, Google Pay, Apple Pay, Alipay, and more.
• Popular Features: Recurring payments, easy integration for online stores, global transactions.
• PayPal
  
• Fees: 2.6% + AUD $0.30 per transaction (domestic); higher for international.
• Supported Methods: Credit/Debit Cards, PayPal balance.
• Popular Features: Mobile payments, fast transactions, buyer and seller protection.
• Square
  
• Fees: 1.6% for tap & go, 2.2% for online payments.
• Supported Methods: Credit/Debit Cards, Apple Pay, Google Pay.
• Popular Features: Small business solutions, in-person and online payments.
• Afterpay
  
• Fees: Varies based on retailer agreement.
• Supported Methods: Credit/Debit Cards, Bank Transfer.
• Popular Features: "Buy Now, Pay Later" service, popular in the retail and fashion industries.

F. India

• Razorpay
  
• Fees: 2% for domestic transactions, 3% for international.
• Supported Methods: Credit/Debit Cards, UPI, Netbanking, Wallets (Paytm, PhonePe), and more.
• Popular Features: Indian-specific payment methods, recurring billing, easy integration.
• Paytm
  
• Fees: Varies by payment method and transaction type.
• Supported Methods: Paytm Wallet, UPI, Credit/Debit Cards, Netbanking.
• Popular Features: Wallet-based payments, mobile app for businesses, bill payments.
• Instamojo
  
• Fees: 1.99% + ₹3 per transaction.
• Supported Methods: Credit/Debit Cards, UPI, Wallets, Netbanking.
• Popular Features: Easy integration for small businesses, custom payment links.
• PayPal
  
• Fees: 3.9% + ₹10 for domestic transactions; higher for international.
• Supported Methods: PayPal balance, Credit/Debit Cards, Netbanking.
• Popular Features: International payments, buyer protection, business accounts.

12. Regional Payment Gateways

Africa

• Flutterwave
  
• Fees: 1.4% per transaction (varies by country).
• Supported Methods: Cards, bank transfers, mobile money (M-Pesa, Airtel Money, etc.).
• Popular Features: Cross-border transactions, e-commerce support.
• DPO Group
  
• Fees: Varies based on country and payment method.
• Supported Methods: Cards, bank transfers, mobile money.
• Popular Features: Local payment methods, integration for African businesses.

**Latin

America**

• MercadoPago
  
• Fees: 3.49% + local tax per transaction.
• Supported Methods: Credit/Debit Cards, MercadoPago wallet, bank transfer.
• Popular Features: Regional focus, easy integration for e-commerce in Latin America.
• PagSeguro
  
• Fees: 4.99% per transaction (Brazil).
• Supported Methods: Cards, Boleto Bancário, bank transfer.
• Popular Features: Popular in Brazil, mobile payments, and online transactions.

Summary of Key Features:

• Cross-Border Transactions: Stripe, PayPal, and Braintree are commonly used for global payments with multi-currency support.
• Buy Now, Pay Later: Afterpay, Klarna, and PayPal Credit are popular in specific countries or regions.
• Local Payment Methods: Many gateways (e.g., Razorpay in India, MercadoPago in LATAM, Paytm) integrate with region-specific payment methods like UPI, M-Pesa, or Boleto Bancário.

13. Payment Gateway Chargeback Policy Based on Countries

A. Overview of Chargebacks

A chargeback occurs when a customer disputes a transaction with their bank or payment provider, and the funds are reversed from the merchant's account back to the customer. Chargebacks may occur for various reasons, including fraud, dissatisfaction with products or services, or billing errors. As an eCommerce platform, we want to ensure both merchants (vendors) and customers understand the chargeback process, the associated risks, and the specific policies that apply depending on the country or region.

By using our services, vendors and merchants agree to comply with the chargeback terms outlined below.

B. General Chargeback Terms

• Chargeback Reasons
   Chargebacks can occur due to various reasons including but not limited to:
  
• Fraudulent Transactions: Unauthorized use of a credit card or payment method.
• Product/Service Not Received: The customer claims they did not receive the goods or services they paid for.
• Product/Service Not as Described: The customer asserts that the item or service does not match the description or expectations.
• Technical Errors: Errors related to payment processing or double billing.
• Unrecognized Charges: The customer does not recognize the charge and disputes it as a mistake.
• Chargeback Fee
   Each chargeback initiated by a customer may incur a fee, depending on the payment gateway used. This fee is typically passed on to the merchant who is responsible for the chargeback. This fee is separate from the transaction amount and is non-refundable.
  
   The chargeback fee can vary depending on the country or region in which the transaction was processed.
  
• Dispute Process
   If a chargeback occurs, the merchant is entitled to dispute the chargeback within the allowed period, which typically ranges from 30 to 60 days from the chargeback notification. The merchant must provide sufficient evidence to support their case (e.g., proof of delivery, proof of customer acknowledgment, etc.). If the chargeback is successfully disputed, the merchant will receive the original payment and the chargeback fee refunded.
  
• Chargeback Risks and Penalties
   Merchants should be aware that too many chargebacks may lead to penalties or the suspension of payment processing services. Payment gateways may implement a chargeback threshold, beyond which a merchant’s account could be flagged for review, frozen, or terminated.
  

C. Chargeback Fees by Country or Region

The following outlines typical chargeback fees charged to merchants based on the payment gateway and the country where the transaction originated. Please note that the exact fees may vary depending on the payment provider and the specific terms of your agreement with them.

1. United States (US)

• Chargeback Fee: $15 - $50 USD per chargeback (varies by payment processor)
• Chargeback Threshold: 1% of total transactions or 100 chargebacks per month, whichever comes first.
• Average Dispute Period: 45-60 days.
• Chargeback Process: Card networks such as Visa, Mastercard, and American Express have specific rules regarding the chargeback process, which may differ from those of other international card issuers.

2. European Union (EU)

• Chargeback Fee: €15 - €30 EUR per chargeback (varies by processor).
• Chargeback Threshold: Typically, 0.9% of total transactions or 10 chargebacks per month.
• Average Dispute Period: 45 days.
• Chargeback Process: Chargebacks can be initiated within 120 days of the transaction date for fraud-related disputes, or within 180 days for other types of disputes (product not as described, etc.).

3. United Kingdom (UK)

• Chargeback Fee: £20 - £40 GBP per chargeback.
• Chargeback Threshold: 1% of total transactions or 100 chargebacks per month.
• Average Dispute Period: 60 days.
• Chargeback Process: The cardholder has 120 days to dispute a charge from the transaction date. Disputes can be resolved via the chargeback process or through arbitration if the chargeback is contested.

4. Canada

• Chargeback Fee: CAD $25 - $35 per chargeback.
• Chargeback Threshold: Generally 1% of total transactions or 30 chargebacks per month.
• Average Dispute Period: 45 days.
• Chargeback Process: Canadian merchants are subject to the rules of the Canadian Payments Association (CPA), with card networks like Visa and Mastercard adhering to similar rules as in the US.

5. Australia

• Chargeback Fee: AUD $15 - $30 per chargeback.
• Chargeback Threshold: 1% of total transactions or 50 chargebacks per month.
• Average Dispute Period: 30-45 days.
• Chargeback Process: Australian merchants are subject to the rules of the card schemes, and the chargeback process follows similar guidelines to the EU and North America.

6. India

• Chargeback Fee: ₹500 - ₹1,500 INR per chargeback.
• Chargeback Threshold: Generally 0.5% of total transactions or 5 chargebacks per month.
• Average Dispute Period: 30-45 days.
• Chargeback Process: India follows the general card scheme rules (Visa, Mastercard, etc.), with specific additional consumer protection regulations under the Reserve Bank of India (RBI).

7. Brazil

• Chargeback Fee: R$40 - R$100 BRL per chargeback.
• Chargeback Threshold: Generally 1% of total transactions or 30 chargebacks per month.
• Average Dispute Period: 30-45 days.
• Chargeback Process: Brazil follows the guidelines of the card schemes (Visa, Mastercard), but local laws such as the Consumer Protection Code provide additional considerations for chargebacks related to fraud or dissatisfaction.

8. Mexico

• Chargeback Fee: MXN $200 - $500 per chargeback.
• Chargeback Threshold: 0.5% of total transactions or 15 chargebacks per month.
• Average Dispute Period: 30-45 days.
• Chargeback Process: The chargeback process in Mexico is governed by local consumer protection laws and card network regulations. Merchants are required to provide evidence of delivery and transaction details when disputing chargebacks.

9. South Africa

• Chargeback Fee: ZAR 150 - ZAR 500 per chargeback.
• Chargeback Threshold: Generally 1% of total transactions or 20 chargebacks per month.
• Average Dispute Period: 30-45 days.
• Chargeback Process: South African merchants are subject to the regulations of local financial institutions and card networks, with additional consumer protection measures in place to resolve disputes.

D. Mitigating Chargeback Risk

• Fraud Prevention Measures
  
• Secure Payment Gateways: Use secure payment processors that comply with the Payment Card Industry Data Security Standard (PCI DSS).
• Multi-Factor Authentication (MFA): Implement MFA for transactions to reduce the risk of unauthorized access.
• Fraud Prevention Tools: Use fraud detection tools that can flag suspicious activities in real-time.
• Clear Communication with Customers
  
• Transparent Return and Refund Policies: Ensure that your return and refund policies are clearly communicated to customers to avoid disputes.
• Timely Shipping and Delivery Confirmation: Always provide shipping confirmations and tracking numbers to customers, which can be used as evidence in case of a chargeback.
• Customer Service
  
• Provide excellent customer service to resolve issues before they escalate to chargebacks. Encourage customers to contact you directly if they are dissatisfied with a product or service.
• Evidence for Disputing Chargebacks
  
• Always maintain records of transactions, shipping information, customer communication, and proof of delivery. This documentation will be crucial if you need to dispute a chargeback.

This Payment Gateway Chargeback Policy Based on Countries provides clear guidelines for merchants on how chargebacks are handled based on their country or region. It ensures transparency and helps merchants understand the risks, fees, and dispute processes associated with chargebacks.

14. Copyright and Trademarks of Payment Gateways

A. Payment Gateway Intellectual Property Rights

• Payment Gateway Trademarks
   All logos, names, and marks related to third-party payment gateway providers (such as PayPal, Stripe, Square, Razorpay, Authorize.Net, and others) displayed on the Platform are the trademarks or service marks of their respective owners. These marks are protected under intellectual property laws and are not owned by Ceed Africa Limited.
  
• PayPal
  
• Trademark: "PayPal" and the PayPal logo are registered trademarks of PayPal, Inc.
• Copyright: PayPal, Inc. holds the copyright for the software and content on its platform.
• Stripe
  
• Trademark: "Stripe" and the Stripe logo are registered trademarks of Stripe, Inc.
• Copyright: Stripe, Inc. owns the copyright for its software, APIs, and platform-related content.
• Square
  
• Trademark: "Square" and the Square logo are registered trademarks of Square, Inc.
• Copyright: Square, Inc. holds the copyright for its payment solutions and related technologies.
• Razorpay
  
• Trademark: "Razorpay" and the Razorpay logo are registered trademarks of Razorpay Software Private Limited.
• Copyright: Razorpay owns the copyright for the payment gateway and its associated technology.
• Authorize.Net
  
• Trademark: "Authorize.Net" and the Authorize.Net logo are registered trademarks of Visa, Inc.
• Copyright: Authorize.Net holds the copyright for its payment processing technology and software.
• Other Gateways (e.g., Adyen, Skrill, Braintree, Flutterwave, pastack, etc.)
  
• All trademarks and copyrights associated with other payment gateway providers are the property of their respective owners. You agree to abide by their terms of service and intellectual property rules when utilizing their services through the Platform.
• Usage Restrictions of Payment Gateway Trademarks
   You are not authorized to use any of the payment gateway providers' trademarks, logos, or service marks in any manner that is likely to confuse, defame, or harm the reputation of the respective payment gateway provider. Specifically, you may not use their trademarks:
  
• In any promotional materials or advertisements without prior written consent from the trademark owner.
• In any way that suggests an endorsement or partnership unless specifically authorized.
• As part of your own trademark or service mark.
• No Ownership Rights
   By using the Platform's payment gateway services, you acknowledge that you do not acquire any ownership rights to the payment gateway providers' trademarks, logos, or content. All rights, title, and interest in and to these intellectual property assets remain with the respective payment gateway providers.
  

B. Copyright of Payment Gateway Content and Software

• Copyright Ownership
   The payment gateway providers, such as PayPal, Stripe, Square, Razorpay, and others, retain full ownership and control over their software, APIs, technology, and any content provided through their platforms. The use of these services on the Platform is subject to the respective terms of service and licensing agreements provided by the payment gateways.
  
• Prohibited Activities
   You agree not to:
  
• Copy, modify, adapt, distribute, or reverse engineer any payment gateway software, API, or code, except as expressly permitted by the applicable license or terms of service.
• Use the payment gateway providers' copyrighted materials for any unauthorized purposes.
• Reproduce or use the payment gateway content without prior authorization.
• License to Use Payment Gateway Services
   When you integrate or use any payment gateway through the Platform, you are granted a limited, non-exclusive, non-transferable license to access and use the payment gateway services solely for the purpose of processing payments in accordance with the terms and conditions of that payment gateway. This license does not convey any ownership rights over the software or technology of the payment gateways.
  
• Payment Gateway Updates
   Payment gateways may periodically update their software or services. You acknowledge that you will comply with any changes or updates to their systems and technology and that these updates may modify how payments are processed or how certain features of the payment gateway are accessed.
  

C. Reporting Infringement of Payment Gateway Trademarks and Copyrights

• Reporting Trademark Infringement
   If you believe that any content, logo, or trademark of a payment gateway provider has been used improperly on the Platform, you can contact Ceed Africa Limited at [Your Email Address]. We will promptly review and take appropriate action to address any potential trademark infringement.
  
• Reporting Copyright Infringement
   In the event you believe that copyrighted material from a payment gateway (such as API code, software, or any other intellectual property) has been used inappropriately or without authorization, please contact us. We will follow the appropriate procedures to resolve the issue and take action, which may include removing infringing material.
  
   For DMCA or copyright-related complaints, please follow the same process outlined in the "Reporting Copyright Infringement (DMCA@ceed.africa)" section above.
  

15. Indemnification for Infringement of Payment Gateway Intellectual Property

• Indemnification by Users
   If you, as a vendor, customer, or user, infringe upon any payment gateway's trademark, copyright, or other intellectual property rights, you agree to indemnify and hold harmless Ceed Africa Limited and its affiliates, agents, and partners from any claims, damages, costs, losses, liabilities, or expenses (including reasonable attorney’s fees) arising out of such infringement.
  
• Third-Party Claims
   In the event that a third party brings a claim against Ceed Africa Limited related to your use of the payment gateway services or any violation of intellectual property rights, you agree to assist in defending such claims and provide all necessary documentation and support for the defense.
  

16. Termination and Suspension of Payment Gateway Access

• Suspension of Access
   We reserve the right to suspend or terminate access to the payment gateway services at any time if we believe that the intellectual property rights of a payment gateway provider have been violated, or if you breach any relevant agreements or terms provided by the payment gateway provider.
  
• Account Termination
   In the case of repeat violations of payment gateway intellectual property, including the use of unauthorized trademarks or copyrighted content, we reserve the right to terminate your account and cease your ability to process payments through the Platform.
  

17. Content Policy

A. Introduction

At Ceed Africa Limited, we value the integrity of the content shared and exchanged on our platform. This Content Policy outlines the rules and guidelines that users must follow when posting, uploading, or interacting with content, whether it is related to product listings, images, reviews, comments, or any other form of user-generated content. By using the Platform, you agree to comply with these guidelines.

B. Acceptable Content

You are responsible for the content you upload or share on the Platform. The following types of content are generally allowed:

• Product Listings: Products and services that are legally sold or provided in the jurisdiction you are operating in.
• Images and Media: High-quality images and media that accurately represent products or services being sold.
• Product Descriptions: Clear, accurate, and honest descriptions of the products or services you are listing.
• Reviews and Ratings: Honest, non-defamatory reviews or ratings about products, services, or vendors.

C. Prohibited Content

To maintain a safe and respectful environment for all users, the following types of content are strictly prohibited on the Platform:

• Illegal Content: Content that violates any applicable law or regulation, including content that is unlawful or promotes illegal activities.
• Hate Speech, Discrimination, and Harassment: Content that promotes hate, violence, or discrimination against individuals or groups based on race, ethnicity, nationality, religion, gender, sexual orientation, disability, or any other protected characteristic.
• Pornography and Explicit Content: Content that is sexually explicit, pornographic, or intended to sexually arouse.
• Violent or Threatening Content: Content that promotes violence, threats, or harm against individuals, groups, or animals.
• Copyright Infringement: Content that infringes the copyrights, trademarks, or other intellectual property rights of others. This includes unauthorized use of images, videos, music, text, and logos.
• Fraudulent or Misleading Content: Content that is false, deceptive, or intended to mislead other users, including misleading product descriptions, fake reviews, or misrepresentation of a product’s origin or quality.
• Spam and Unsolicited Promotions: Content that involves spam, unsolicited advertisements, or other forms of promotional material that are not relevant to the specific context or conversation.
• Malicious or Harmful Software: Content that contains viruses, malware, spyware, or any other malicious software intended to harm, disrupt, or gain unauthorized access to users' systems or data.
• Impersonation: Content that impersonates or misrepresents your affiliation with another person or organization, or falsely claims to be someone else.

D. User-Generated Content Guidelines

If you upload or share any content on the Platform, including product listings, reviews, comments, images, or videos, you agree to the following:

• Accuracy: You are responsible for ensuring that all content you upload is accurate, truthful, and represents your products or services honestly.
• Ownership: You must only upload content that you own or have permission to use. You retain ownership of your content but grant Ceed Africa Limited a non-exclusive, royalty-free, worldwide license to use, display, and distribute your content as necessary for the operation of the Platform.
• Respect for Others: You must respect the intellectual property rights and privacy of others. Do not upload content that violates or infringes upon the rights of other individuals, companies, or entities.
• Non-Objectionable Content: Your content should not be harmful or offensive to other users. Please be mindful of the community and avoid content that could be interpreted as disrespectful, discriminatory, or offensive.

E. Content Moderation and Reporting

• Content Review: Ceed Africa Limited reserves the right to monitor, review, and approve or remove any content that violates this Content Policy. This includes reviewing user-generated content such as product listings, images, reviews, and comments.
  
• User Reporting: If you encounter content that violates this policy, you can report it to us by clicking the "Report" button next to the offending content or by contacting our support team at [Your Support Email Address].
  
• Reports will be reviewed in accordance with our internal review processes.
• We will act swiftly to remove any content that violates our policy and, where applicable, suspend or terminate the account of the responsible user.
• Enforcement Actions: In case of repeated or serious violations, we may take the following enforcement actions:
  
• Warning: A formal warning sent to the user for minor violations.
• Content Removal: Immediate removal of content that violates the policy.
• Account Suspension or Termination: For severe or repeated violations, we may suspend or terminate the user’s account.
• Legal Action: In cases of illegal activities, we may report the user to the relevant authorities.

F. Copyright Infringement and Intellectual Property

• Copyright Protection: As part of our commitment to protecting intellectual property, we will promptly respond to complaints about content that infringes on copyrighted works. If you believe that your copyright has been infringed, please submit a DMCA (Digital Millennium Copyright Act) notice to [Your Email Address for Copyright Infringement] with the necessary details as outlined in the DMCA Notice procedure.
  
• Trademarks: You may not use the trademarks, service marks, or logos of Ceed Africa Limited or any third-party payment gateway (e.g., PayPal, Stripe) without the explicit written permission of the trademark holder. All trademarks are the property of their respective owners.
  

G. Content Rights and License

• License to Use Your Content: By submitting content (such as product listings, images, reviews, etc.) to the Platform, you grant Ceed Africa Limited a non-exclusive, royalty-free, perpetual, worldwide, sublicensable, and transferable license to use, display, reproduce, modify, adapt, publish, translate, and distribute such content, in whole or in part, across any platform, medium, or technology now known or hereafter developed, for the purposes of promoting, marketing, or operating the Platform.
  
• Retention of Rights: You retain ownership of your content, but you grant us the above-mentioned license to use the content for the operation and marketing of the Platform.
  

H. Third-Party Content and Links

• Links to Third-Party Websites: The Platform may contain links to third-party websites or services that are not owned or controlled by Ceed Africa Limited. We are not responsible for the content, privacy policies, or practices of these third-party websites. We encourage users to review the terms of service and privacy policies of any third-party sites linked from our Platform.
  
• Third-Party Content: Any content that you interact with through third-party services, including payment gateways, is subject to the terms and conditions and privacy policies of the third parties involved.
  

I. Changes to the Content Policy

• Amendments: We reserve the right to modify or update this Content Policy at any time. Any changes will be posted on this page, and such changes will become effective immediately upon publication.
  
• Notification: We will notify users of any significant changes to this policy through an email or notification on the Platform.
  

18. Our Rights to Use Your Content

By submitting, posting, or uploading any content to the Platform, including but not limited to product listings, images, descriptions, reviews, ratings, comments, or other media ("Your Content"), you grant Ceed Africa Limited the following rights:

A. License to Use Your Content

• Grant of License
   You grant Ceed Africa Limited a non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable license to use, display, reproduce, modify, adapt, publish, translate, distribute, create derivative works of, or otherwise use Your Content (in whole or in part)** worldwide, in any form, media, or technology now known or hereafter developed, for the purposes of:
  
• Operating, promoting, marketing, and improving the Platform and services.
• Displaying Your Content on the Platform, in marketing materials, advertisements, or other promotional channels, including social media, email newsletters, and third-party integrations.
• Creating aggregated, anonymized reports for internal analysis or external publications.
• Using Your Content in connection with any future developments, improvements, or new features of the Platform.
• Right to Modify or Adapt
   You acknowledge and agree that Ceed Africa Limited may modify, adapt, or combine Your Content for the purpose of optimizing the content's display and performance across different platforms, devices, and media formats. This may include resizing images, translating text, or adjusting descriptions to meet technical or aesthetic requirements.
  
• No Obligation to Use Your Content
   You understand and agree that Ceed Africa Limited is not required to use Your Content in any way and may choose to remove or not publish any content at its discretion, without any obligation to notify you.
  

B. Ownership of Your Content

• Retention of Ownership
   You retain full ownership of Your Content, and nothing in these Terms grants Ceed Africa Limited ownership of Your Content. However, by uploading or submitting Your Content, you grant us the license described above. You are solely responsible for ensuring that you have all necessary rights to Your Content, including any third-party rights (such as copyright, trademark, or privacy rights) that may apply.
  
• Responsibility for Content
   You warrant that you own or control all rights to Your Content and that the content does not violate any applicable laws, infringe upon the intellectual property rights of third parties, or violate any part of these Terms and Conditions.
  

C. Permission for Use in Marketing and Advertising

• Marketing Use
   You agree that Ceed Africa Limited may use Your Content in marketing materials, advertisements, or promotions. This includes but is not limited to using Your Content in social media posts, advertisements, videos, banners, newsletters, or other promotional materials for the purpose of promoting the Platform and your products or services.
  
• Social Media
   By posting or uploading Your Content, you authorize Ceed Africa Limited to share, repost, or feature Your Content on official social media accounts and other public-facing marketing platforms used to promote the Platform and its services. You may opt out of this use by contacting us at [Your Support Email Address], but note that any content that has already been shared publicly may not be retractable.
  

D. No Obligation for Payment

• No Compensation
   You acknowledge that you will not be entitled to any compensation, royalties, or other payments for the use of Your Content, whether in whole or in part, by Ceed Africa Limited, except as expressly provided by separate agreements or as may be required by applicable laws.
  
• Your Right to Withdraw Content
   You retain the right to remove or update Your Content at any time from the Platform. However, you acknowledge that Ceed Africa Limited may still retain copies of Your Content in backups or archives, or continue to use it in previously published materials (such as advertisements or marketing campaigns that have already been distributed or displayed).
  

E. Permissions for User-Generated Content (Reviews, Ratings, Comments)

• Public Nature of Reviews and Comments
   Any reviews, ratings, or comments you submit to the Platform become part of the public domain and can be accessed by other users of the Platform. You grant Ceed Africa Limited the right to use such reviews and ratings in connection with the promotion, advertising, and marketing of the Platform or the specific product(s) or service(s) you reviewed.
  
• Right to Display User Content
   When you post a review or comment, you are granting Ceed Africa Limited the right to display your review or comment on the product or service page, in search results, or in promotional materials related to the Platform.
  

F. Third-Party Services and Use of Content

• Sharing Content with Third-Party Partners
   By submitting Your Content, you authorize Ceed Africa Limited to share Your Content with trusted third-party partners or affiliates for marketing, distribution, or analysis purposes, provided that such third parties agree to handle Your Content in accordance with our Privacy Policy and applicable laws.
  
• Payment Gateway and Transactional Content
   In the case of transactional or payment-related content (e.g., receipts, invoices, transaction history), you grant us the right to store, share, and process this data in accordance with the Privacy Policy and for the purposes of processing payments or resolving disputes.
  

G. Termination of License

• End of Relationship
   If you choose to close your account or withdraw Your Content from the Platform, the license granted to Ceed Africa Limited will terminate with respect to any future use of Your Content. However, the termination of the license does not affect any content that has already been used in accordance with this policy (e.g., for promotional materials or advertisements).
  
• Retention of Rights
   Even after you remove Your Content from the Platform, we may continue to use aggregated, anonymized versions of Your Content, or continue to use content that has already been published in prior marketing campaigns or materials.
  

19. Agent/Company Representative Policy

A. Appointment of Agents or Representatives

• Authorization to Act on Your Behalf
   If you are a business entity or an individual who appoints an agent, company representative, or other third party ("Agent") to act on your behalf in relation to your account, purchases, listings, or other activities on the Platform, you represent and warrant that:
  
• You have the full authority to appoint the Agent.
• The Agent is authorized to perform any actions related to your account, including placing orders, managing payments, adding products, processing transactions, or communicating with Ceed Africa Limited on your behalf.
• Scope of Authority
   The authority of any appointed Agent or representative will be limited to the specific tasks or functions assigned by the account holder. This may include, but is not limited to:
  
• Managing and updating account information.
• Listing, updating, or managing products (for vendors and sellers).
• Handling payments, invoicing, and transactions.
• Responding to customer service inquiries or addressing disputes.
• Verification of Agency Relationship
   Ceed Africa Limited reserves the right to verify the legitimacy of any Agent or company representative acting on behalf of a user. You may be required to submit written confirmation or other supporting documents to confirm the appointment of an Agent. Ceed Africa Limited may, at its sole discretion, approve or reject the appointment of an Agent based on the provided documentation and information.
  
• Limitations of Agency
   Any Agent or representative acting on your behalf is authorized solely within the scope of the authority granted by you. They will not have the right to:
  
• Transfer or sell the account.
• Change ownership or make any unauthorized modifications to account terms.
• Act in a manner that violates these Terms and Conditions or any applicable law.

B. Responsibilities of Agents and Representatives

• Obligations to the Platform
   Agents and representatives must comply with all applicable laws, regulations, and these Terms and Conditions. They are also responsible for ensuring that the actions they take on behalf of the account holder are consistent with the account holder’s instructions and the Platform’s rules.
  
• Account Maintenance
   Any Agent authorized to manage a user’s account is responsible for ensuring the account is up to date, including:
  
• Keeping the contact details, payment information, and any other necessary account data current.
• Monitoring the account for any suspicious or unauthorized activity and notifying Ceed Africa Limited immediately if any discrepancies or issues are identified.
• Communication with Ceed Africa Limited
   Agents are authorized to communicate with Ceed Africa Limited on behalf of the account holder regarding issues related to account management, transactions, disputes, or other matters. However, the account holder remains responsible for ensuring that all communications are in accordance with these Terms and Conditions.
  

C. Responsibility of the Account Holder

• Authorization of Actions
   By appointing an Agent, the account holder agrees to assume responsibility for all actions taken by the Agent, as well as any consequences arising from such actions. The account holder acknowledges that they are legally bound by the Agent’s actions within the scope of the appointed authority.
  
• Account Liability
   The account holder remains fully liable for any activity conducted on the account, whether by themselves or their appointed Agent. This includes all transactions, orders, and content listings made by the Agent. If the appointed Agent violates any terms of these Terms and Conditions, the account holder will bear responsibility for any resulting consequences.
  
• Revocation of Agent Authority
   The account holder may revoke the authority of any appointed Agent at any time. To do so, the account holder must notify Ceed Africa Limited through the designated communication channels (e.g., email, account settings) and provide evidence of the revocation. Once the revocation is confirmed, the Agent will no longer be authorized to act on behalf of the account holder. Ceed Africa Limited may request documentation confirming the revocation.
  
• Notification of Changes
   It is the responsibility of the account holder to notify Ceed Africa Limited if there are any changes to the Agent’s role or if the Agent’s authority is revoked. Failure to provide notice may result in the continuation of actions being taken by the Agent, and the account holder may remain liable for any associated activity.
  

D. Limitations on Liability

• No Liability for Agent Misuse
   Ceed Africa Limited is not responsible for any actions, errors, or omissions made by an appointed Agent. If an Agent misuses their authority, causes damage, or engages in fraudulent activity, Ceed Africa Limited will not be held liable for any resulting consequences. The account holder is responsible for addressing any issues arising from the Agent’s conduct directly with the Agent.
  
• Indemnification
   The account holder agrees to indemnify and hold harmless Ceed Africa Limited, its affiliates, officers, directors, and employees from any claims, damages, losses, or costs (including legal fees) arising out of or related to the actions of an appointed Agent.
  

E. Termination of Agency Relationship

• Termination by the Account Holder
   The account holder may terminate the relationship with an Agent at any time by notifying Ceed Africa Limited through the appropriate channels. Ceed Africa Limited will promptly process the termination request and take necessary steps to prevent the Agent from accessing or performing actions on the account.
  
• Termination by Ceed Africa Limited
   Ceed Africa Limited reserves the right to suspend or terminate any Agent’s ability to access or manage an account at its sole discretion, without notice, if the Agent is found to be engaging in activities that violate these Terms and Conditions, or if the actions of the Agent are determined to harm the Platform, other users, or the account holder.
  

20. Other Platform Authentication Terms

A. User Authentication and Account Security

• Account Login and Authentication
   To access certain features of the Platform, you may be required to create a user account and log in using your username, password, and other credentials. The authentication process is designed to ensure the security of your account and personal data.
  
• Username and Password: You are required to choose a username and a password during the account creation process. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• Unique Credentials: You agree to use a unique username and password for your account, and not share your login details with third parties.
• Account Access: You must immediately notify Ceed Africa Limited of any unauthorized use of your account or any other breach of security.
• Multi-Factor Authentication (MFA)
   To enhance the security of your account, Ceed Africa Limited may require the use of multi-factor authentication (MFA) for certain actions, including but not limited to:
  
• Logging in to your account.
• Making payments.
• Changing account settings or personal information.
• Performing high-risk transactions, such as large purchases or order modifications.
• MFA may include the use of:
  
• One-Time Passcodes (OTP) sent to your email address or phone number.
• Authentication Apps (e.g., Google Authenticator, Authy).
• Biometric Verification (e.g., fingerprint, facial recognition) on mobile apps.
• You agree to enable and use MFA if required by Ceed Africa Limited, and to take all necessary precautions to protect your authentication methods and devices.
  

B. Third-Party Authentication Services

• Third-Party Login Options
   Ceed Africa Limited may allow users to authenticate and log in to the Platform using third-party services, such as:
  
• Social Media Accounts (e.g., Facebook, Google, Apple ID, Twitter, etc.).
• Single Sign-On (SSO) providers.
• When using third-party authentication methods, you understand that:
  
• The third-party service may share certain information (such as your email address or profile information) with Ceed Africa Limited in order to facilitate the authentication process.
• You are bound by both Ceed Africa Limited's Terms and Conditions and the terms of service and privacy policies of the third-party authentication provider.
• By using a third-party service to authenticate, you consent to Ceed Africa Limited accessing the necessary information required for login and account creation. You must ensure that your third-party service account credentials are kept secure and that you do not share them with others.
  
• Security of Third-Party Authentication
   While third-party authentication may offer convenience, you understand that:
  
• [Your Company Name] does not have control over the security of your third-party authentication provider. Any issues or breaches related to third-party services are subject to their own terms, privacy policies, and security measures.
• If your third-party service account is compromised, you are responsible for immediately changing your password with both the third-party provider and Ceed Africa Limited.

C. Responsibility for Secure Authentication Practices

• Account Security
   You are solely responsible for maintaining the security and confidentiality of your account, login credentials, and any authentication methods used to access the Platform. You agree to:
  
• Never share your username, password, or MFA details with anyone.
• Log out of your account at the end of each session, especially when using public or shared devices.
• Update your credentials regularly and choose a strong, unique password.
• Notify Ceed Africa Limited immediately if you suspect any unauthorized access to your account, including compromised login details.
• Security of Authentication Devices
   If you use an authentication app or device for MFA (e.g., a mobile device or hardware token), you agree to:
  
• Keep the device or app secure and avoid leaving it in unsecured locations.
• Ensure that only authorized individuals have access to the device used for authentication.
• Immediately report any loss or theft of the device to Ceed Africa Limited to disable your account or authentication method, if necessary.

D. Authentication Failures and Account Lockouts

• Failed Authentication Attempts
   If there are multiple unsuccessful attempts to log in to your account (whether through password attempts, MFA challenges, or third-party login), Ceed Africa Limited may:
  
• Temporarily lock your account to prevent unauthorized access.
• Require additional verification (e.g., email confirmation, security questions) before allowing further login attempts.
• Account Lockout and Recovery
   If your account is locked due to failed authentication attempts or suspected fraudulent activity, you will be instructed to go through an account recovery process. This may include:
  
• Identity verification: You may be asked to provide additional information (such as government-issued ID or email verification) to verify your identity.
• Password reset: You may be required to reset your password by following the steps sent to your registered email or phone number.
• Additional security checks: If necessary, further verification may be required to ensure that the account recovery process is legitimate.
• If you cannot successfully recover your account, you should contact Ceed Africa Limited's customer support team at [Support Email] for assistance.
  

E. Termination or Suspension of Authentication Methods

• Suspension of Authentication
   Ceed Africa Limited reserves the right to temporarily or permanently suspend your authentication methods (including third-party authentication) if we suspect that your account is compromised or being used fraudulently. If this happens, you will be notified, and you may need to verify your identity and follow security procedures to restore your access.
  
• Termination of Authentication Access
   If you violate these Terms and Conditions, Ceed Africa Limited may terminate your access to the Platform and revoke your ability to use any authentication methods, including third-party authentication options, multi-factor authentication, and other account access features.
  

F. No Liability for Authentication Issues

• Platform Not Responsible for Third-Party Services
   Ceed Africa Limited is not liable for any issues arising from third-party authentication services. This includes issues related to service outages, data breaches, or failure of third-party systems that may prevent you from accessing your account or using certain features.
  
• Limited Liability
   While we take measures to ensure the security of your account and personal data, Ceed Africa Limited cannot guarantee the absolute security of your authentication methods. You agree that we are not liable for any damages or losses resulting from unauthorized access to your account or failure to secure your authentication credentials.
  

21. Social Media Authentication Terms and Policy

A. Use of Social Media Authentication

• Third-Party Social Media Login
   To facilitate easier and faster access to the Platform, Ceed Africa Limited may offer the option to log in or sign up using third-party social media accounts, such as:
  
• Google
• Facebook
• Apple ID
• Twitter
• LinkedIn
• Instagram
• By using these third-party authentication methods, you grant Ceed Africa Limited permission to access the necessary information from your social media account(s) to create and manage your user account on our platform.
  
• Data Shared by Third-Party Social Media Providers
   When you choose to authenticate using a social media account, we may collect certain data that the social media provider shares with us. This may include, but is not limited to:
  
• Your name.
• Email address.
• Profile picture.
• Publicly available information (e.g., username, social media activity).
• The specific data shared will depend on the settings and permissions granted by the social media provider and the information you choose to share with us during authentication. We will only use this data for account creation, login, and user identification purposes.
  
• Permission to Access Your Social Media Account
   By choosing to log in or register using a social media account, you grant Ceed Africa Limited permission to access your account details, as described above. You understand and agree that this access is strictly for the purposes of providing authentication services on the Platform.
  

B. Responsibilities of Users

• Accuracy of Social Media Account Information
   You are responsible for ensuring that the information in your social media account is accurate and up to date. If any of your social media account details change (such as email or username), you must ensure that your account information on Ceed Africa Limited's platform is updated accordingly.
  
• Maintaining Privacy and Security
   You are responsible for maintaining the security and confidentiality of your social media account login credentials. If you suspect any unauthorized access to your social media account or the Platform, you should:
  
• Immediately change your password on the relevant social media provider’s site or app.
• Inform Ceed Africa Limited of any potential security breaches regarding your account or social media credentials.
• Authorization for Social Media Use
   You represent and warrant that you have the legal right to grant Ceed Africa Limited access to your social media account information. You agree not to use another person's social media account without authorization, and you understand that any misuse may result in the suspension or termination of your account.
  

C. Data Usage and Privacy

• Data Accessed from Social Media Providers
   When you use a social media account to authenticate or log in, Ceed Africa Limited may collect and store data from that account. This data is subject to our Privacy Policy, which outlines how your personal information is collected, used, and shared.
  
   You acknowledge and consent that:
  
• [Your Company Name] may use the data shared by the social media provider to create and maintain your user account.
• Your social media profile picture, name, or other public data may be used on the Platform to identify your account.
• We will not access private information from your social media account unless you provide explicit consent or unless required by law.
  
• Data Privacy
   Your use of third-party social media authentication is also governed by the privacy policies and terms of service of the relevant social media provider. Ceed Africa Limited encourages you to review these privacy policies to understand how your data is handled by the third-party provider.
  
• Opting Out or Disconnecting Social Media Accounts
   If you wish to stop using a social media account to log in to Ceed Africa Limited, you can disconnect your account at any time. This may be done through the Account Settings section of the Platform. After disconnecting, you will need to log in using alternative credentials (e.g., email and password) if you wish to continue using the Platform.
  

D. Social Media Authentication Security

• Platform Security Measures
   While Ceed Africa Limited takes reasonable steps to ensure the security of your data and account information, we cannot guarantee the security of your third-party social media account. By using social media authentication, you acknowledge and accept that:
  
• The security of your social media credentials is ultimately your responsibility.
• [Your Company Name] is not liable for any data breaches, unauthorized access, or losses that arise due to issues with your social media account’s security.
• Suspension of Access Due to Security Issues
   If we suspect that your social media account has been compromised or that there is suspicious activity involving your third-party authentication, we reserve the right to:
  
• Temporarily suspend or lock your access to the Platform.
• Require you to verify your identity or provide additional security measures, such as enabling multi-factor authentication (MFA).
• Disconnect your social media account from your Ceed Africa Limited account.
• Third-Party Service Limitations
   Social media authentication is dependent on the availability and security of the third-party service. If the third-party provider (e.g., Facebook, Google) experiences a service outage, changes their authentication process, or suspends your account, you may not be able to log in to the Platform using that provider until the issue is resolved.
  

E. Termination of Social Media Authentication

• Termination of Authentication Access
   Ceed Africa Limited reserves the right to suspend or terminate your access to social media authentication at its sole discretion, if:
  
• You violate these Terms and Conditions or the terms of the third-party service.
• We suspect that your social media account is being used fraudulently.
• The third-party service discontinues the social media authentication feature.
• User-Initiated Disconnection
   You may disconnect your social media account from the Platform at any time through the Account Settings section of the Platform. Once disconnected, you will be required to log in using your registered email and password, or other available authentication methods.
  

F. Liability and Disclaimers

• No Liability for Social Media Service Failures
   Ceed Africa Limited is not liable for any issues that arise from the use of third-party social media authentication services, including but not limited to:
  
• Service outages or interruptions.
• Unauthorized access to your social media account.
• Changes in third-party provider terms, policies, or security settings.
• Limitation of Liability
   While we strive to provide a secure and convenient login process, Ceed Africa Limited cannot be held responsible for any damages or losses resulting from:
  
• Misuse of your social media account credentials.
• Third-party breaches or security vulnerabilities.
• Changes or disruptions to the third-party social media services.

22. Privacy and Data Protection

Your use of the Platform is governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data. By using the Platform, you consent to our collection and use of personal information as described in our Privacy Policy.

23. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Any changes will be posted on the Platform, and the date of the most recent update will be reflected at the top of this page. By continuing to use the Platform, you agree to be bound by the updated terms.

19. Breaches of These General Terms and Conditions

A. General Provisions

• Responsibility for Compliance
   You are responsible for ensuring that your use of the Platform complies with these Terms and Conditions, as well as all applicable laws, regulations, and guidelines. Any breach of these terms may result in actions taken by Ceed Africa Limited, including but not limited to suspension, termination of access, or legal action.
  
• Violation of Terms
   A breach of these Terms and Conditions may occur if you:
  
• Violate any provisions of these Terms and Conditions, including but not limited to those related to user conduct, prohibited activities, intellectual property rights, or use of the Platform.
• Fail to meet payment obligations or misuse the payment services.
• Engage in fraudulent, abusive, or illegal activity, or attempt to circumvent Platform rules.
• Provide false, misleading, or inaccurate information to Ceed Africa Limited.
• Fail to fulfill any obligations, including shipping, delivery, or product quality obligations if you are a vendor or seller.

B. Consequences of Breach

• Account Suspension or Termination
   In the event of a breach, Ceed Africa Limited may, at its sole discretion, take the following actions:
  
• Suspension of Access: Temporarily suspend your access to certain features or the entire Platform while the breach is investigated.
• Termination of Account: Terminate your account permanently or for a specified duration, depending on the severity of the breach.
• Revocation of Permissions: If you are a vendor, seller, or affiliate, we may revoke your permission to list products, access vendor tools, or participate in sales programs.
• Ceed Group Limited reserves the right to take action without prior notice if the breach is severe or poses a significant risk to the integrity of the Platform or its users.
  
• Termination for Cause
   In cases of egregious or repeated violations, Ceed Africa Limited may immediately terminate your access to the Platform without the possibility of reinstatement. This includes, but is not limited to:
  
• Repeated violations of the Terms and Conditions.
• Fraudulent activity, including attempting to manipulate the Platform or its systems.
• Engaging in any conduct that harms the reputation, safety, or security of the Platform, its users, or partners.
• Refunds and Cancellations
   In the event of a breach by you (e.g., non-payment, fraudulent activity, or failure to comply with product fulfillment obligations), Ceed Africa Limited reserves the right to cancel or reverse any orders and withhold any refunds, partial or full, as deemed necessary. If you are a vendor or seller, you may also be required to refund customers for any defective or misrepresented products.
  
• Legal Action
   If a breach involves illegal activity, fraud, or any other actions that cause damage or loss to Ceed Africa Limited, its users, or third parties, Ceed Africa Limited reserves the right to pursue legal action. This may include reporting the breach to law enforcement authorities and seeking damages in a court of law.
  

C. Enforcement Actions

• Investigation of Breach
   Upon suspicion of a breach, Ceed Africa Limited may investigate your activity on the Platform. This may include reviewing your account, order history, and interactions with other users. During the investigation, we may limit or suspend your ability to make purchases, access certain services, or engage in any other activities on the Platform.
  
• Corrective Actions
   If a breach is detected, we may take corrective actions to address the issue, including:
  
• Removing or modifying any content that violates our policies.
• Issuing a warning or penalty if the violation is minor or a first offense.
• Requiring you to rectify the breach by providing accurate information, returning goods, or fulfilling your obligations.
• Reporting to Authorities
   If we suspect that a breach involves criminal activity or legal violations, we reserve the right to report the matter to the relevant authorities, including law enforcement and regulatory agencies, and cooperate with investigations as required.
  

D. Indemnification and Liability

• Indemnification
   You agree to indemnify, defend, and hold harmless Ceed Africa Limited, its affiliates, officers, directors, employees, agents, and third-party partners from and against any losses, damages, liabilities, claims, costs, and expenses (including attorney’s fees) arising from your breach of these Terms and Conditions, misuse of the Platform, or violation of applicable laws or rights of third parties.
  
• Liability for Damages
   If you breach these Terms and Conditions, you may be held liable for any direct or indirect damages caused to Ceed Africa Limited, its partners, or other users. This may include costs associated with resolving the breach, reputational damage, loss of business, or legal liabilities incurred due to the breach.
  

E. Right to Modify or Waive Breach Terms

• Discretionary Enforcement
   Ceed Africa Limited reserves the right, at its sole discretion, to modify the consequences of a breach based on the specific circumstances of each case. We may, in certain cases, waive specific penalties or enforcement actions if we deem it appropriate.
  
• Modification of Terms
   Ceed Africa Limited may modify these Terms and Conditions at any time, including the provisions governing breaches. Any changes will be effective upon publication of the revised Terms on the Platform. We encourage you to review these Terms periodically to stay informed about any updates.
  

25. Contact Information

For any questions, concerns, or clarifications regarding these Terms and Conditions, please contact us using the contact Page.