Terms of Service

Terms and Conditions

Last updated: December 12, 2021

ONE

Item(s) in the CDcare App are to be purchased on installment, however a Buyer who desires to buy outrightly may select the shortest installment plan for a one-off payment. Buyer(s) may change a chosen instalment plan anytime before the delivery of the item(s) is processed.

TWO

THREE

All orders for purchase are subject to approval.

The Installment Plan allows a buyer to pay for an order in equal consecutive installments of desired even numbers of weeks or months e.g 4 weeks, 2 months, 6 months etc. Any duration for payment as chosen by a Buyer must run its course and the duration cannot be reviewed by the Buyer once item(s) has been processed for delivery. Buyers can request to change their installment plan before reaching the midpoint of the chosen installment plan, or before delivery is processed as the case may be; for instance a Buyer who indicates an interest to purchase an Item(s) for a duration of say 6 months will only be entitled to request for delivery of such Gadget(s) after 3 months from the date of commencing payment and provided that 50% of the purchase price has been paid as and when due in accordance with the chosen installment plan.

A Buyer who pays up 50% of the purchase price before half of the chosen duration (midpoint) for payment runs its course shall ONLY be entitled to request delivery when half of his chosen duration for payment (midpoint) is reached while a Buyer who pays up 50% of the purchase price as and when due shall be entitled to request delivery 15 days after half of his chosen duration (midpoint) for payment is reached.

Instalment plan may be changed only 10 days before a Buyer reaches half of the duration (midpoint) of chosen instalment plan provided always that if the review extends the payment period beyond what was earlier chosen, the Buyer shall have to wait until half (midpoint) of the new chosen period is reached before requesting delivery, notwithstanding that the Buyer has paid half of the purchase price.

Buyer(s) are liable to pay for the delivery of Item(s) ordered before delivery of the ordered Item(s) will be processed.

A Buyer who desires to change his/her chosen installment duration/plan for payment shall reach out to CDcare via the means provided by CDcare for that purpose and proceed as follows:

Go to “History” tab on the CDCare app, click on the order, click on more options and proceed to change to the installment plan.

The Buyer shall wait for approval from CDcare indicating whether the proposed new duration is acceptable or not. If the proposed duration for payment is acceptable to CDcare, the Buyer’s payment plan shall be reviewed accordingly, provided always that until the Buyer receives the approval of CDcare that the change in duration has been accepted and approved accordingly, the initial chosen duration for payment shall stand and shall continue to run its course as if no request for a change of installment plan/ payment duration has been made by the Buyer.

Once the change of installment plan/ payment duration is approved by CDcare, the Buyer shall be liable to immediately pay the amount due on the approved plan, if any.

CDcare solely reserves the right to approve or not approve a Buyer(s)’ application to change his/her initial chosen installment plan/ duration for payment.

FOUR

Instalment plans attract no processing fee, additional cost or hidden charges but processing fees chargeable by payment gateway service providers is applicable, as well as the calculated delivery fee for the ordered Item(s) all of which shall be paid by Buyer(s) before ordered Item(s) are processed for delivery.

FIVE

To subscribe to an Installment Plan on the CDCare App, Buyer is required to:

Once logged in, all available items are listed in the marketplace.

Browse through the listed Item(s) and select your desired Item(s).

Follow the prompts to choose your installment plan and provide other required details, then proceed to start your installment.

Please note the following:

Buyer(s) must add his/her payment card details to enable CDcare automate payment, failure to do so shall mean that buyer is not entitled to delivery of his/her item until the total installment has been completed.

Buyer(s) who fail to add payment card details or meet other delivery conditions shall not be entitled to delivery of ordered Item(s) until the total installment has been completed.

Buyer(s) must add his/her government-approved Identification Card to enable CDcare process delivery of the ordered Item(s) in line with the CDcare Terms and Conditions, failure to do so shall mean that the Buyer is not entitled to delivery of his/her item until the total installment has been completed.

A woman in purdah must provide a co-collector and must add all required details as well as a government approved ID Card of the co-collector to enable her to take delivery of the ordered Item(s) in line with the CDcare Terms and Conditions. The failure of a woman to provide a suitable co-collector shall mean that she is not entitled to delivery /her item until the total installment has been completed.

A woman in purdah’s co-collector, or the replacement co-collector must be a spouse or an adult child (not in purdah) resident in the same address as that of the Buyer.

SIX

Successful subscription to an instalment payment plan is subject to CDcare approval. A Buyer(s) on approved subscription for instalment payment plan hereby agrees as follows:

Not to travel out of Nigeria during the pendency of an active instalment payment plan. Failure to comply with this paragraph means the Buyer shall not be entitled to delivery of ordered Item(s) until the total instalment has been fully completed.
To PERSONALLY take delivery of the ordered Item(s) AT THE REGISTERED ADDRESS. Delivery SHALL NOT be made to any person other than the actual Buyer (s), and SHALL NOT be delivered to the actual Buyer (s) at any address other than the registered address on record with CDcare.
To be photographed carrying or standing by the delivered Item(s) at the point of delivery. The Buyer(s) hereby agrees to be photographed fully, with the full height, body, and total face shape (starting from the bottom of the chin to the top of the head) clearly captured in the photograph.
Where the Buyer is a woman in Purdah, she hereby agrees to be photographed alongside her indicated co-collector, whose government approved Identification Card has been duly uploaded as and when required. An indicated co-collector may be replaced by another co-collector where the indicated co-collector is absent at the time/point of delivery, provided that the replacement co-collector shall have with him/her the original of his/her government approved Identification Card which shall be held beside his/her face while been photographed, and a copy of his/her government approved Identification Card which shall be submitted to the CDcare Delivery Team before the ordered Item(s) are delivered to the Buyer(s).
A Buyer who refuses to be photographed at the point of delivery shall not be entitled to delivery of the ordered Item(s) notwithstanding that CDcare has in fact conveyed the ordered Item(s) to the address indicated for delivery for the purpose of delivering the ordered Item(s) to the Buyer, and CDcare shall have the right to defer/delay delivery of the ordered item(s) until the purchase price is fully paid up by the Buyer(s).

The delivered Item(s) shall, at all time during the pendency of an active installment plan, be kept at the delivery address and shall be provided by the Buyer(s) to the CDcare team for inspection as and when required until the installment is fully completed.
To complete all installment payments before giving out any Item(s) ordered from and delivered by CDcare as a gift. Take note that a defaulting Buyer(s) who is unable to promptly return the ordered Item(s) in line with Clause 10 paragraphs (i) to 10(iv) because he/she has given out the ordered Item(s) as a gift shall be liable to be charged for fraud and criminal conversion as indicated in Clause 10(ix).

SEVEN

Failure to pay an instalment sum on or before the due date(s) entitles CDcare to terminate an active instalment plan and the money already paid refunded less an amount equal to 10% of the total instalment sum already paid including the initial deposit if any. No refund shall be made earlier than 30 days from the date of termination of the installment plan. Where no notice of termination is communicated to the Buyer(s), and the Buyer(s) continues making payment, CDcare shall have the right to defer/delay delivery of the ordered Item(s) until the purchase price is fully paid up by the Buyer(s).

EIGHT

NINE

Buyer(s) may make payment any time before the due date; however, payments will be automatically attempted on the scheduled dates from a buyer’s registered card. Where a Buyer(s) fails to process instalment payment on or before the due date, and where automatically attempted payment for such Buyer(s) fails, the following shall take place:
In the event that ordered Item(s) is yet to be delivered, the provisions of paragraph 8 above shall become applicable.
In the event that ordered Item(s) has been delivered, the following late fee charges shall become applicable:
For weekly installments, 3% of the amount due shall be charged on a weekly basis until payment is made by the Buyer; while. For monthly installments, 10% of the amount due shall be charged on a weekly basis until payment is made by the Buyer.
There shall be no limit to late fee chargeable in the event that ordered Item(s) has been delivered.

TEN

Buyer(s) shall be eligible to have ordered Items(s) delivered 15 days after the midpoint of chosen installment plan, provided that 50% of the price of the ordered Item(s) has been paid. PLEASE NOTE THAT A BUYER WILL BE ELIGIBLE TO HAVE ITEM(S) DELIVERED ONLY IF THE BUYER HAS PAID THE INSTALLMENT SUM CONSISTENTLY AS AND WHEN DUE. FAILURE TO SATISFY THIS REQUIREMENT SHALL OPERATE TO POSTPONE DELIVERY OF ORDERED ITEM(S) TO WHEN THE INSTALLMENT IS FULLY COMPLETED.

Notwithstanding the delivery of ordered Item(s) to the Buyer(s); the following terms shall be applicable at all time during the pendency of an active installment plan:

All Item(s) purchased on Installment Plan remain property of CDcare until Buyer(s) complete all instalment payment. For the avoidance of all doubt, CDcare’s ownership of all ordered Item(s) subsists even after Item(s) has been delivered to the Buyer(s) and CDcare’s ownership in the delivered Item(s) shall continue to subsist until Buyer(s) fully complete the installment payment.
For all intent and purposes, Buyer(s) are deemed as lessees of the delivered Item(s) with a right to purchase same and the instalment sum paid are deemed as rent payable for the use of such Item(s) until the full purchase price is fully paid up.
A Buyer who fails to complete the installment payment as and when due shall lose the right to purchase the affected Item(s) and shall become immediately obligated to return the Item(s) if already delivered to him/her.
Upon becoming obligated to return the Item(s), CDcare reserves the right to retrieve such Item(s) from the possession of such Buyer(s) without first seeking or obtaining the consent of the Buyer(s).
CDcare shall be entitled to exercise the right of retrieval without making any recourse to court, or obtaining any court order, police order or any other administrative order whatsoever.
CDcare may demand return of delivered Item(s) -
virtually by sending emails or placing phone-calls to the Buyer(s), or
physically by sending CDcare Recovery Agents to visit the Buyer(s) designated address to demand a return of the delivered Item(s).
Upon demand by CDcare, defaulting Buyer(s) hereby agrees to promptly return all affected Item(s) to CDcare’s office designated for such returns within 48 hours of demand by email or or phone call, or the Buyer(s) shall immediately deliver the affected Item(s) to CDcare Recovery Agents upon the Recovery Agents visit to the Buyer’s designated address for such recovery.
A Buyer who promptly returns or delivers the affected Item(s) shall be entitled to refund in line with para 14e (i) to (iv) below.
A Buyer who fails to promptly return or deliver up the affected Item(s) in line with the above provisions shall be deemed to have schemed to defraud CDcare and CDcare shall take all necessary steps required under the law to press charges of fraud against such Buyer(s). In addition, such Buyer shall be sued for criminal conversion and shall be liable to pay the cost of litigation as well as attorney’s fee for himself/herself and for CDcare. This shall be in addition to all other rights which CDcare may exercise against the defaulting Buyer.

ELEVEN

Delivery of Item(s) purchased on Installment Plan is subject to availability of the ordered Item(s) as at the midpoint of the chosen installment plan when 50% of the purchase price must have been paid (e.g third month of a six month installment plan) and not availability on the date Item(s) were ordered. In the event that the ordered Item(s) is no longer available as at the midpoint of the chosen installment plan when payment of at least 50% of the sales price of the ordered Item(s), Buyer(s) shall be requested to choose other Item(s) within the range or category of the Item(s) ordered from a list of Item(s) in the marketplace on the CDCare App; alternatively, the Buyer(s) may be requested to wait a certain period during which period CDcare shall make reasonable effort to procure the ordered Item(s) to be delivered to the Buyer(s) in line with CDcare delivery policies.

TWELVE

The price payable on Item(s) purchased on Installment Plan shall be the current price of the Item(s) as listed on the CDcare App as at the midpoint of the installment plan duration when delivery is being processed and not as at the date the order was made by the Buyer(s). CDcare reserves the right to review the purchase price of any ordered Item(s) either upward or downward provided that downward review of purchase price shall be possible only before the Buyer(s) reaches the midpoint of his/her chosen installment plan and not thereafter. In the event of an upward review of the purchase price, the Buyer(s) shall be notified to accept the difference in price of the ordered Item(s) before the ordered Item(s) will be processed for delivery to the Buyer. Please note that the upward or downward review of a purchase price is completely at CDcare’s discretion, and CDcare shall only be obligated to deliver ordered Item(s) which purchase price has been reviewed ONLY IF the Buyer(s) agrees to pay the difference in the reviewed price of the ordered Items(s) as stated in this paragraph and fulfils all other terms and conditions of CDcare.

THIRTEEN

Buyer may request to have the Instalment Plan terminated at any time provided that the ordered Item(s) is not yet delivered. REFUND OF ANY PAYMENTS MADE PRIOR TO THE TERMINATION DATE IS REFUNDABLE LESS AN AMOUNT EQUAL TO 10% OF THE TOTAL INSTALMENT SUM ALREADY PAID INCLUDING THE INITIAL DEPOSIT IF ANY. NO REFUND SHALL BE MADE EARLIER THAN 30 DAYS FROM THE DATE OF TERMINATION OF INSTALMENT PLAN.

FOURTEEN

BUYER(S) MUST ENSURE THAT EACH PAYMENT SHALL BE MADE ON OR BEFORE ITS DUE DATE IN ORDER TO SUCCESSFULLY COMPLETE THE INSTALLMENT PLAN AND RECEIVE THE ORDERED ITEM(S) ACCORDING TO THE TERMS AND CONDITION HEREIN CONTAINED..1
FAILURE TO MAKE ANY PAYMENT AS AND WHEN DUE SHALL AMOUNT TO AUTOMATICALLY TERMINATE INSTALLMENT PLAN WITHOUT ANY RECOURSE TO THE 3. BUYER WHOSE INSTALMENT PLAN WAS TERMINATED.
BUYER(S) FURTHER UNDERSTANDS THAT REFUND OF ANY INSTALMENT PAYMENTS MADE PRIOR TO THE TERMINATION DATE IS REFUNDABLE LESS AN AMOUNT EQUAL TO 10% OF THE TOTAL INSTALMENT SUM ALREADY PAID INCLUDING THE INITIAL DEPOSIT.
BUYER FURTHER UNDERSTANDS THAT FAILURE TO MAKE ANY PAYMENT BY ITS DUE DATE WILL RESULT IN HIS OR HER ELIGIBILITY TO SUBSCRIBE TO AN INSTALLMENT PLAN BEING QUERIED AND SUCH BUYER(S) SHALL NO LONGER BE ABLE TO SUBSCRIBE TO ANY OTHER INSTALMENT PLAN UNLESS THE BUYER GIVES SUFFICIENT REASON TO CDCARE AND IS SUBSEQUENTLY CLEARED BY A CDCare AGENT AFTER CONSENTING TO BEING CHARGED ACCORDING TO THE TERMS AND CONDITIONS THAT MAY BE COMMUNICATED TO THE BUYER(S) AT THE RELEVANT TIME. TO ALL INTENT AND PURPOSES, THE ORDERED ITEM(S) SHALL NOT BE DELIVERED TO A DEFAULTING BUYER(S) UNTIL THE INSTALLMENT PAYMENT IS FULLY PAID.
IN THE EVENT OF REFUND, NO REFUND SHALL BE PAID EARLIER THAN 30 DAYS FROM THE DATE OF TERMINATION OF INSTALLMENT PAYMENT WHETHER TERMINATION WAS DUE TO THE BUYER’S REQUEST OR BUYER’S FAILURE TO COMPLY WITH THE TERM OF INSTALMENT PLAN PRIOR TO DELIVERY OF ITEM(S).
FAILURE TO COMPLY WITH THE TERMS OF INSTALLMENT PAYMENT PLAN AFTER ORDERED ITEM(S) HAS BEEN DELIVERED TO BUYER(S) SHALL BE TREATED AS FOLLOWS:
THE ITEM(S) DELIVERED SHALL BE RETRIEVED FROM THE BUYER IN LINE WITH THE TERMS CONTAINED IN PARA 10 SUBPARA (i) TO (ix).
THE ITEM(S) SHALL BE SOLD OFF AS USED ITEM(S). CDCARE IS NOT UNDER ANY OBLIGATION TO EXERCISE ANY DUTY OF CARE WHATSOEVER IN SELLING THE USED ITEM(S).
THE UNPAID BALANCE OF THE INSTALLMENT SUM SHALL BE DEDUCTED FROM THE AMOUNT THE ITEM(S) IS SOLD.
ALL COST INCURRED IN RETRIEVING THE ITEM(S) FROM THE BUYER AND IN SELLING THE ITEM(S), SHALL EQUALLY BE DEDUCTED FROM THE BALANCE OF THE AMOUNT THE ITEM(S) IS SOLD.
WHATEVER IS LEFT AS THE BALANCE OF THE AMOUNT THE ITEM(S) IS SOLD AFTER THE ABOVE DEDUCTIONS HAS BEEN MADE SHALL BE REFUNDED TO THE BUYER, PROVIDED THAT NO REFUND SHALL BE MADE WHERE NOTHING IS LEFT OF THE SALES PRICE OF THE USED ITEM(S) AFTER ALL DEDUCTIONS.
IN THE EVENT OF REFUND, NO REFUND SHALL BE PAID EARLIER THAN 30 DAYS FROM THE DATE THE RETRIEVED ITEM(S) IS SOLD OFF AS USED ITEM(S).
CDCARE MAY NOT DELIVER AN ITEM UNTIL 100% PAYMENT IF A BUYER HAS DEFAULTED IN PREVIOUS PAYMENTS.
CDCARE MAY ALSO CHOOSE TO NOT DELIVER AN ITEM UNTIL 100% PAYMENT ON SUSPICION OF FRAUD AND MAY NOT COMMUNICATE THE REASON TO THE CUSTOMER.

FIFTEEN

CDcare is not obligated to join in any promo sales or season neither is it obligated to run a discounted sales, clearance sales, discount, bonus, bonanza or promo sales for any Item(s) listed on the CDcare app; however CDcare may exercise its discretion to join or run promotions as it deem fit.

SIXTEEN

Subscription to any purchase plan on CDcare app shall mean that the Buyer(s) (subscriber) has accepted the terms and conditions of CDCare, by which acceptance the Buyer(s) also represents and warrants that he/she is eligible to subscribe to the Installment Plan. Subscription to the Instalment Plan services shall be void where Buyer(s) (subscriber) is found to be ineligible.

Eligibility Requirements

To be eligible to subscribe to the Installment Plan, a buyer must:

Be a registered user of the CDCare App.
Be 18 years old and above
Be resident in Nigeria
Be capable of entering into a legally binding contract
Have a valid and verifiable email address and mobile telephone number
Have a valid and verifiable means of identification which must be any of
Drivers License
Permanent Voters Card
National Identification Card clearly showing the National Identification Number (NIN) of the holder
International Passport
Provide a valid delivery address in Nigeria; and
Be an authorized holder of an eligible Naira debit/MasterCard or any other card valid for payment and 9.must have the authority to use the payment method provided.

Must be willing to have the payment card details added to his/her account for payment automation.

Disclaimer

CDcare is not into manufacturing of any product whatsoever, hence no Item(s) listed on CDcare App is/was manufactured, produced or assembled by CDcare. CDcare shall not be liable to any Buyer(s) for error, defects, any damages suffered by such Buyer(s) as a result of coming in contact with or using any such item(s) purchased from CDcare App. All item(s) listed on the CDcare app contains the description of the respective manufacturers who shall be liable for any errors, defects, or damages suffered by such users in line with the respective manufacturer’s terms and conditions for such liability.

CDcare

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