General Terms and Conditions of Use of the Penda Marketplace for Buyers and Sellers.

1. Introduction
1.1. “Penda” is the trading name for Penda LLC. The company (“Penda” or “we”) operates an
e-commerce platform consisting of a website and mobile application (“marketplace”) together with
supporting IT logistics and payment infrastructure for the sale and purchase of consumer products
and services (“products”) in Nigeria.
1.2. These general terms and conditions shall apply to buyers and sellers on the marketplace and
shall govern your use of the marketplace and related services.
1.3. By using our marketplace, you accept these general terms and conditions in full. If you
disagree with these general terms and conditions or any part of these general terms and conditions,
you must not use our marketplace.
1.4. If you use our marketplace in the course of a business or other organizational project, then
by so doing you:
1.4.1. Conﬁrm that you have obtained the necessary authority to agree to these general terms and
conditions;
1.4.2. bind both yourself and the person company or other legal entity that operates that business
or organizational project to these general terms and conditions; and
1.4.3. agree that you in these general terms and conditions shall reference both the individual
user and the relevant person company or legal entity unless the context requires otherwise.

2. Registration and account
2.1. You may not register with our marketplace if you are under 18 years of age (by using our
marketplace or agreeing to these general terms and conditions you warrant and represent to us that
you are at least 18 years of age).
2.2. If you register for an account with our marketplace, you will be asked to provide an email
address/user ID and password and you agree to:
2.2.1. keep your password conﬁdential;

2.2.2. Notify us in writing immediately (using our contact details provided at section 26) if you
become aware of any disclosure of your password; and
2.2.3. be responsible for any activity on our marketplace arising out of any failure to keep your
password conﬁdential and that you may be held liable for any losses arising out of such a failure.
2.2.4. Your account shall be used exclusively by you, and you shall not transfer your account to
any third party. If you authorize any third party to manage your account on your behalf this shall
be at your own risk.
2.2.5. We may suspend or cancel your account and/or edit your account details at any time in our
sole discretion and without notice or explanation providing that if we cancel any products or
services you have paid for but not received and you have not breached these general terms and
conditions, we will refund you in respect of the same.
You may cancel your account on our marketplace by contacting us.

3. Terms and conditions of sale
3.1. You acknowledge and agree that:
3.1.1. the marketplace provides an online location for sellers to sell and buyers to purchase
products;
3.1.2. we shall accept binding sales on behalf of sellers but (unless Penda is indicated as the
seller) Penda is not a party to the transaction between the seller and the buyer; and
3.1.3. a contract for the sale and purchase of a product or products will come into force between
the buyer and seller and accordingly you commit to buying or selling the relevant product or
products upon the buyer’s conﬁrmation of purchase via the marketplace.
3.2. Subject to these general terms and conditions the seller’s terms of business shall govern the
contract for sale and purchase between the buyer and the seller. Notwithstanding this the following
provisions will be incorporated into the contract of sale and purchase between the buyer and the
seller:
3.2.1. the price for a product will be as stated in the relevant product listing;

3.2.2. the price for the product must include all taxes and comply with applicable laws in force
from time to time;
3.2.3. delivery charges packaging charges handling charges administrative charges insurance costs
other ancillary costs and charges where applicable will only be payable by the buyer if this is
expressly and clearly stated in the product listing; and delivery of digital products may be made
electronically;
3.2.4. products must be of satisfactory quality ﬁt and safe for any purpose speciﬁed in and conform
in all material respects to the product listing and any other description of the products supplied
or made available by the seller to the buyer; and
3.2.5. in respect of physical products sold the seller warrants that the seller has good title to
and is the sole legal and beneﬁcial owner of the products and/or has the right to supply the
products pursuant to this agreement and that the products are not subject to any third party rights
or restrictions including in respect of third party intellectual property rights and/or any
criminal insolvency or tax investigation or proceedings; and in respect of digital products the
seller warrants that the seller has the right to supply the digital products to the buyer.

4. Returns and refunds
4.1. Returns of products by buyers and acceptance of returned products by sellers shall be
managed by us in accordance with the returns page on the marketplace as may be amended from time to
time. Acceptance of returns shall be in our discretion subject to compliance with applicable laws
of the territory.
4.2. Refunds in respect of returned products shall be managed in accordance with the refunds page
on the marketplace as may be amended from time to time. Our rules on refunds shall be exercised in
our discretion subject to applicable laws of the territory. We may offer refunds in our discretion:
4.2.1. in respect of the product price;
4.2.2. local and/or international shipping fees (as stated on the refunds page); and by way of
store credits vouchers mobile money transfer bank transfers or such other methods as we may
determine from time to time.

4.3. Returned products shall be accepted and refunds issued by Penda acting for and on behalf of
the seller. Notwithstanding paragraphs 4.1 and 4.2 above in respect of digital products or services
and fresh food Penda shall issue refunds in respect of failures in delivery only. Refunds of
payment for such products for any other reasons shall be subject to the seller’s terms and
conditions of sale.
4.4. Changes to our returns page or refunds page shall be effective in respect of all purchases
made from the date of publication of the change on our website.

5. Payments
5.1. You must make payments due under these general terms and conditions in accordance with the
Payments Information and Guidelines on the marketplace.

6. Store Credit
6.1. Store Credits may be earned and managed in accordance with the Penda Store Credit Terms and
Conditions as may be amended from time to time. Penda reserves the right to cancel or withdraw
Penda store credit rewards for any reason in its discretion including if we suspect fraud or foul
play.

7. Promotions
7.1. Promotions and competitions run by Penda and/or other promoters shall be managed in
accordance with the Promotions Terms and Conditions.

8. Rules about your content
8.1. In these general terms and conditions your content means:
8.1.1. all works and materials (including without limitation text graphics images audio material
video material audio-visual material scripts software and ﬁles) that you submit to us or our
marketplace for storage or publication processing by or onward transmission; and
8.1.2. all communications on the marketplace including product reviews feedback and comments.

8.2. Your content and the use of your content by us in accordance with these general terms and
conditions must be accurate, complete and truthful.
8.3. Your content must be appropriate civil and tasteful and accord with generally accepted
standards of etiquette and behavior on the internet and must not:
8.3.1. be offensive obscene indecent pornographic lewd suggestive or sexually explicit;
8.3.2. depict violence in an explicit graphic or gratuitous manner; or
8.3.3. be blasphemous in breach of racial or religious hatred or discrimination legislation.
8.3.4. be deceptive fraudulent threatening abusive harassing anti-social menacing hateful
discriminatory or inﬂammatory;
8.3.5. cause annoyance inconvenience or needless anxiety to any person; or
8.3.6. constitute spam.
8.4. Your content must not be illegal or unlawful, infringe any person's legal rights or be
capable of giving rise to legal action against any person (in each case in any jurisdiction and
under any applicable law). Your content must not infringe or breach:
8.4.1. any copyright, moral right, database right, trademark right, design right, right in passing
off, or other intellectual property right;
8.4.2. any right of conﬁdence right of privacy or right under data protection legislation;
8.4.3. any contractual obligation owed to any person, or any court order.
8.5. You must not use our marketplace to link to any website or web page consisting of or
containing material that would were it posted on our marketplace breach the provisions of these
general terms and conditions.
8.6. You must not submit to our marketplace any material that is or has ever been the subject of
any threat or actual legal proceedings or other similar complaint.
8.7. The review function on the marketplace may be used to facilitate buyer reviews on products.
You shall not use the review function or any other form of communication to provide inaccurate,
inauthentic or fake reviews.

8.8. You must not interfere with a transaction by:
8.8.1. contacting another user to buy or sell an item listed on the marketplace outside of the
marketplace; or
8.8.2. communicating with a user involved in an active or completed transaction to warn them away
from a particular buyer seller or item; or
8.8.3. contacting another user with the intent to collect any payments.
8.9. You acknowledge that all users of the marketplace are solely responsible for interactions
with other users, and you shall exercise caution and good judgment in your communication with
users. You shall not send them personal information including credit card details.
8.10. We may periodically review your content and we reserve the right to remove any content at
our discretion for any reason whatsoever.
8.11. If you learn of any unlawful material or activity on our marketplace or any material or
activity that breaches these general terms and conditions, you may inform us by contacting us as
provided at section.

9. Our rights to use your content
9.1 You grant us a worldwide irrevocable non-exclusive royalty-free license to use reproduce
store adapt publish translate and distribute your content on our marketplace and across our
marketing channels and any existing or future media.
9.2 You grant to us the right to sub-license the rights licensed under section 9.1
9.3 You grant to us the right to bring an action for infringement of the rights licensed under
section 9.1
9.4 You hereby waive all your moral rights in your content to the maximum extent permitted by
applicable law; and you warrant and represent that all other moral rights in your content have been
waived to the maximum extent permitted by applicable law.
9.5 Without prejudice to our other rights under these general terms and conditions if you breach
our rules on content in any way or if we reasonably suspect that you have breached our rules on
content, we may delete unpublish or edit any or all of your content.

10. Use of website and mobile applications
10.1. In this section 10 words “marketplace” and website” shall be used interchangeably to refer
to Penda’s websites and mobile applications.
10.2. You may:
10.2.1. view pages from our website in a web browser;
10.2.2. download pages from our website for caching in a web browser;
10.2.3. print pages from our website for your own personal and non- commercial use providing that
such printing is not systematic or excessive;
10.2.4. stream audio and video ﬁles from our website using the media player on our website; and
10.2.5. use our marketplace services by means of a web browser subject to the other provisions of
these general terms and conditions.
10.3. Except as expressly permitted by section 10.2 or the other provisions of these general terms
and conditions you must not download any material from our website or save any such material on
your computer.
10.4. You may only use our website for your own personal and business purposes in respect of
selling or purchasing products on the marketplace.
10.5. Except as expressly permitted by these general terms and conditions you must not edit or
otherwise modify any material on our website.
10.6. Unless you own or control the relevant rights in the material you must not:
10.6.1 republish material from our website (including republication on another website);
10.6.2. sell rent or sub-license material from our website;
10.6.3. show any material from our website in public;
10.6.4. exploit material from our website for a commercial purpose; or
10.6.5. redistribute material from our website.
10.7. Notwithstanding section 10.6 you may forward links to products on our website and
redistribute our newsletter and promotional materials in print and electronic form to any person.
10.8. We reserve the right to suspend or restrict access to our website to areas of our website
and/or to functionality upon our website. We may for example suspend access to the website during
server maintenance or when we

update the website. You must not circumvent or bypass or attempt to circumvent or bypass any access
restriction measures on the website.
10.9. You must not:
10.9.1. use our website in any way or take any action that causes or may cause damage to the
website or impairment of the performance availability accessibility integrity or security of the
website;
10.9.2. use our website in any way that is unethical unlawful illegal
fraudulent or harmful or in connection with any unlawful illegal fraudulent or harmful purpose or
activity;
10.9.3. hack or otherwise tamper with our website;
10.9.4. probe scan or test the vulnerability of our website without our permission;
10.9.5. circumvent any authentication or security systems or processes on or relating to our
website;
10.9.6. use our website to copy store host transmit send use publish or distribute any material
which consists of (or is linked to) any spyware computer virus Trojan horse worm keystroke logger
rootkit or other malicious computer software;
10.9.7. impose an unreasonably large load on our website resources (including bandwidth storage
capacity and processing capacity);
10.9.8. decrypt or decipher any communications sent by or to our website without our permission;
10.9.9. conduct any systematic or automated data collection activities (including without
limitation scraping data mining data extraction and data harvesting) on or in relation to our
website without our express written consent;
10.9.10.access or otherwise interact with our website using any robot spider or other automated
means except for the purpose of search engine indexing;
10.9.11. use our website except by means of our public interfaces;
10.9.12. violate the directives set out in the robots.txt ﬁle for our website;
10.9.13. use data collected from our website for any direct marketing activity (including without
limitation email marketing SMS marketing telemarketing and direct mailing); or
10.9.14.do anything that interferes with the normal use of our website.

11. Copyright and trademarks
11.1. Subject to the express provisions of these general terms and conditions:
11.1.1. we together with our licensors own and control all the copyright and other intellectual
property rights in our website and the material on our website; and
11.1.2. all the copyright and other intellectual property rights in our website and the material
on our website are reserved.
11.2. Penda’s logos and our other registered and unregistered trademarks are trademarks belonging
to us; we give no permission for the use of these trademarks and such use may constitute an
infringement of our rights.
11.3. The third party registered and unregistered trademarks or service marks on our website are
the property of their respective owners and we do not endorse and are not afﬁliated with any of the
holders of any such rights and as such we cannot grant any license to exercise such rights.

12. Data privacy
12.1. Buyers agree to processing of their personal data in accordance with the terms of Penda’s
Privacy and Cookie Notice.
12.2. Penda shall process all personal data obtained through the marketplace and related services
in accordance with the terms of our Privacy and Cookie Notice and Privacy Policy.
12.3. Sellers shall be directly responsible to buyers for any misuse of their personal data and
Penda shall bear no liability to buyers in respect of any misuse by sellers of their personal data.

13. Due diligence and audit rights
13.1. We operate an anti-fraud and anti-money laundering compliance program and reserve the right
to perform due diligence checks on all users of the marketplace.
13.2. You agree to provide to us all such information documentation and access to your business
premises as we may require:
13.2.1. in order to verify your adherence to and performance of your obligations under these terms
and conditions;

13.2.2. for the purpose of disclosures pursuant to a valid order by a court or other governmental
body; or
13.2.3. as otherwise required by law or applicable regulation.

14. Penda’s role as a marketplace
14.1. You acknowledge that:
14.1.1. Penda facilitates a marketplace for buyers and third-party sellers on Penda
14.1.2. the relevant seller of the product (whether Penda is the seller or whether it is a
third-party seller) shall at all times remain exclusively liable for the products they sell on the
marketplace; and
14.1.3. in the event that there is an issue arising from the purchase of a product on the
marketplace the buyer should seek recourse from the relevant seller of the product by following the
process set out in PENDA’S DISPUTE RESOLUTION POLICY.
14.2. We commit to ensure that Penda or third party sellers as applicable submit information
relating to their products on the marketplace that is complete accurate and up to date and pursuant
thereto:
14.2.1. the relevant seller warrants and represents the completeness and accuracy of their
information published on our marketplace relating to their products;
14.2.2. the relevant seller warrants and represents that the material on the marketplace is up to
date; and
14.2.3. if a buyer has a complaint relating to the accuracy or completeness of the product
information received from a seller (including where Penda is the seller) the buyer can seek
recourse from the relevant seller by following the process set out in the PENDA'S DISPUTE
RESOLUTION POLICY.
14.3. We do not warrant or represent that the marketplace will operate without fault; or that the
marketplace or any service on the marketplace will remain available during the occurrence of events
beyond Penda ’s control (force majeure events) which include but are not limited to; ﬂood drought
earthquake or other natural disasters; hacking viruses malware or other malicious software attacks
on the marketplace; terrorist attacks civil war civil commotion or riots; war threat of or
preparation for war; epidemics or pandemics; or extra-constitutional events or circumstances which

materially and adversely affect the political or macro-economic stability of the territory as a
whole.
14.4. We reserve the right to discontinue or alter any or all of our marketplace services and to
stop publishing our marketplace at any time in our sole discretion without notice or explanation;
and you will not be entitled to any compensation or other payment upon the discontinuance or
alteration of any marketplace services or if we stop publishing the marketplace. This is without
prejudice to your rights in respect of any unfulﬁlled orders or other existing liabilities of
Penda.
14.5. If we discontinue or alter any or all of our marketplace in circumstances not relating to
force majeure we will provide prior notice to the buyers and sellers of not less than ﬁfteen (15)
days with clear guidance on the way forward for the pending transactions or other existing
liabilities of Penda.
14.6. We do not guarantee any commercial results concerning the use of the marketplace.
To the maximum extent permitted by applicable law and subject to section 15.1 below we exclude all
representations and warranties relating to the subject matter of these general terms and conditions
our marketplace and the use of our marketplace.

15. Limitations and exclusions of liability
15.1. Nothing in these general terms and conditions will:
15.1.1. limit any liabilities in any way that is not permitted under applicable law; or
15.1.2. exclude any liabilities or statutory rights that may not be excluded under applicable law.
15.2. The limitations and exclusions of liability set out in this section 15 and elsewhere in
these general terms and conditions:
15.2.1. are subject to section 15.1; and
15.2.2. govern all liabilities arising under these general terms and conditions or relating to the
subject matter of these general terms and conditions including liabilities arising in contract in
tort (including negligence) and for breach of statutory duty except to the extent expressly
provided otherwise in these general terms and conditions.

15.3. In respect of the services offered to you free of charge we will not be liable to you for
any loss or damage of any nature whatsoever.
15.4. Our aggregate liability to you in respect of any contract to provide services to you under
these general terms and conditions shall not exceed the total amount paid and payable to us under
the contract. Each separate transaction on the marketplace shall constitute a separate contract for
the purpose of this section 15.

15.5. Notwithstanding section 15.4 above we will not be liable to you for any loss or damage of
any nature including in respect of:
15.5.1. any losses occasioned by any interruption or dysfunction to the website;
15.5.2. any losses arising out of any event or events beyond our reasonable control;
15.5.3. any business losses including (without limitation) loss of or damage to proﬁts income
revenue use production anticipated savings business contracts commercial opportunities or goodwill;
15.5.4. any loss or corruption of any data database or software; or
15.5.5. any special indirect or consequential loss or damage.
15.6. We accept that we have an interest in limiting the personal liability of our ofﬁcers and
employees and having regard to that interest you acknowledge that we are a limited liability
entity; you agree that you will not bring any claim personally against our ofﬁcers or employees in
respect of any losses you suffer in connection with the marketplace or these general terms and
conditions (this will not limit or exclude the liability of the limited liability entity itself for
the acts and omissions of our ofﬁcers and employees).
15.7. Our marketplace includes hyperlinks to other websites owned and operated by third parties;
such hyperlinks are not recommendations. We have no control over third party websites and their
contents, and we accept no responsibility for them or for any loss or damage that may arise from
your use of them.

16. Indemniﬁcation
16.1. You hereby indemnify us and undertake to keep us indemniﬁed against:
16.1.1. any and all losses damages costs liabilities and expenses (including without limitation
legal expenses and any amounts paid by us to any third party in settlement of a claim or dispute)
incurred or suffered by us and arising directly or indirectly out of your use of our marketplace or
any breach by you of any provision of these general terms and conditions or the Penda codes
policies or guidelines; and
16.1.2. any VAT liability or other tax liability that we may incur in relation to any sale supply
or purchase made through our marketplace where that liability arises out of your failure to pay
withhold declare or register to pay any VAT or other tax properly due in any jurisdiction.

17. Breaches of these general terms and conditions
17.1. If we permit the registration of an account on our marketplace it will remain open
indeﬁnitely subject to these general terms and conditions.
17.2. If you breach these general terms and conditions or if we reasonably suspect that you have
breached these general terms and conditions or any Penda codes policies or guidelines in any way we
may:
17.2.1. temporarily suspend your access to our marketplace;
17.2.2. permanently prohibit you from accessing our marketplace;
17.2.3. block computers using your IP address from accessing our marketplace;
17.2.4. contact any or all of your internet service providers and request that they block your
access to our marketplace;
17.2.5. suspend or delete your account on our marketplace; and/or
17.2.6. commence legal action against you whether for breach of contract or otherwise.
17.3. Where we suspend prohibit or block your access to our marketplace or a part of our
marketplace you must not take any action to circumvent such suspension or prohibition or blocking
(including without limitation creating and/or using a different account).

18. Entire agreement
18.1. These general terms and conditions and the Penda codes policies and guidelines (and in
respect of sellers the seller terms and conditions) shall constitute the entire agreement between
you and us in relation to your use of our marketplace and shall supersede all previous agreements
between you and us in relation to your use of our marketplace.

19. Hierarchy
19.1. Should these general terms and conditions the seller terms and conditions and the Penda
codes policies and guidelines be in conﬂict these terms and conditions the seller terms and
conditions and the Penda codes policies and guidelines shall prevail in the order here stated.

20. Variation
20.1. We may revise these general terms and conditions, the seller terms and conditions and the
Penda codes policies and guidelines from time to time.
20.2. The revised general terms and conditions shall apply from the date of publication on the
marketplace.

21. No waiver
21.1. No waiver of any breach of any provision of these general terms and conditions shall be
construed as a further or continuing waiver of any other breach of that provision or any breach of
any other provision of these general terms and conditions.

22. Severability
22.1. If a provision of these general terms and conditions is determined by any court or other
competent authority to be unlawful and/or unenforceable the other provisions will continue in
effect.
22.2. If any unlawful and/or unenforceable provision of these general terms and conditions would
be lawful or enforceable if part of it were deleted that part will be deemed to be deleted and the
rest of the provision will continue in effect.

23. Assignment
23.1. You hereby agree that we may assign the transfer sub-contract or otherwise deal with our
rights and/or obligations under these general terms and conditions.
23.2. You may not without our prior written consent assign transfer sub-contract or otherwise deal
with any of your rights and/or obligations under these general terms and conditions.

24. Third party rights
24.1. A contract under these general terms and conditions is for our beneﬁt and your beneﬁt and is
not intended to beneﬁt or be enforceable by any third party.

24.2. The exercise of the parties' rights under a contract under these general terms and
conditions is not subject to the consent of any third party.

25. Law and jurisdiction
25.1. These general terms and conditions shall be governed by and construed in accordance with the
laws of the territory.
25.2. Any disputes relating to these general terms and conditions shall be subject to the
exclusive jurisdiction of the courts of the territory.

26. Our company details and notices
26.1. You can contact us by using the contact details listed in Appendix 1.
26.2. You may contact our sellers for after-sales queries including any disputes by requesting
their contact details from the Penda in accordance with the DISPUTE RESOLUTION POLICY pursuant to
which Penda shall be obliged to ensure that the seller is clearly identiﬁable.
26.3. You consent to receive notices electronically from us. We may provide all communications and
information related to your use of the marketplace in electronic format either by posting to our
website or application or by email to the email address on your account. All such communications
will be deemed to be notices in writing and received by and properly given to
you.