By continuing to use this site you are confirming that you are an adult with legal capacity to enter into contracts (18 years and above) or you are accessing the site under the supervision of a parent or legal guardian.
All intellectual property rights, information content and website design, including, but not limited to, text, graphics, software, music, photos, videos, sound, and their selection and arrangement, and all software compilations, underlying source code and software shall remain the property of Save and Buy. The entire contents of the Site also are protected by copyright as a collective work under Nigeria copyright laws and international conventions. You shall not attempt to modify or in any way change the site or post any material on the site without express authorisation of Save and Buy. You shall not make attempts to obtain materials, documents or information through means not made available on the site.
You may not transfer or assign any rights or obligations you have under this Agreement without Save and Buy’s prior written consent. You are not permitted to transfer your Account to a third party.
The Save and Buy Platform has different account types as listed below:
User Accounts ‐ Operated by a single customer and is activated upon the commencement of a savings plan or can be opened previous to the commencement of one.
Business Accounts ‐ Operated by the nominated administrator of a company and can be used to credit the Individual accounts of staff of the Company based on their internal rewards system.
Merchant Accounts ‐ Operated by merchants, merchants can view savings plans on their goods to enable them plan for delivery upon completion of savings plan.
User Accounts can be funded by the following means:
• Card Payments directly on the Save and Buy Platform (Visa, Mastercard, Verve and E-Tranzact).
• Deposits at Stanbic IBTC Bank Branches ("Stanbic").
• Interbank Transfers on the internet banking platform referencing the User account details.
• Stanbic Mobile Agent Network
• Stanbic Mobile Money Application
• Standing Order instruction to your Bank in line with your savings plan.
You may check your balance by logging into your Account. Key information relating to your payments will be provided to you via e-mail and your transaction history will also be updated and made available to you at any time by logging into your Account. You will not receive interest or any other earnings on this balance as it is part of a savings plan and not a deposit.
Upon completion of a Custom Plan you will be required to withdraw the funds for use at your own discretion. Funds can be withdrawn and transferred to your personal bank account, or you can transfer the funds from your completed plan to another plan that is in progress.
Upon completion of a Save and Buy savings plan for a specific item, you will be required to confirm the purchase before delivery is initiated. Once the purchase is confirmed, the product will be delivered to you within 14 days.
There is no penalty for missing payments or failing to complete a savings plan. Save and Buy will notify you when you have missed payments. Funds are not allowed within the Save and Buy account beyond six months. After 6 months if your savings plan has not been completed your account will become dormant and we will ask that you withdraw the funds from your account.
You may return an order for goods upon delivery within 7 days in an instance where:
• The goods are not the same product as what was ordered.
• The goods are damaged.
If the packaging of the goods have been unsealed or any physical defect is noticed on the packaging you should refuse to accept delivery and request for a replacement of the goods.
In an instance where goods are not the same as what was ordered or do not meet the product specifications, we request that you notify us within 24 hours of delivery. We may either arrange for our Courier to pick up the package or request that you send it to us through Courier, ensuring that the item is properly packaged to avoid damage during its transportation. Shipping cost will be refunded where it is confirmed that the product was validly returned (To a maximum of the Company’s current postal cost). Where it is not possible to provide a replacement for the goods, a refund will be processed within 30 days from the date of the request.
Please note that all goods must be returned in their original packaging with all accessories intact.
You are required to ensure that the goods to be purchased meet your requirements. Returns are only allowed within a maximum of 5 business days from time of delivery. All requests for returns must be sent via to firstname.lastname@example.org.
Save and Buy may communicate with you by email or by such other mode of electronic or non-electronic means of communication.
Save and Buy reserves the right to request additional information from you, other than what is referred to in this Agreement, to allow it to comply with the Know Your Customer (KYC) obligations. You hereby agree to comply with any request for further information as we reasonably require in complying with the KYC provisions. This may include, without limitation, requiring provision of certain identification documents.
You shall be responsible for maintaining the confidentiality of your Password and User ID all activities that occur under your account using your Password and User ID shall be your sole responsibility.
We may at any time amend, delete or add to this Agreement, including the Fees and other amounts which apply to your Account by giving notice of such amendment by posting a revised version of this Agreement on the Save and Buy website. An amendment will be made unilaterally by us and you will be deemed to have accepted the amendment after you have received notice of it. If you do not accept the amendment, you must close your Account. Such closure will not remove any previous liability incurred on your account.
In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately suspend, terminate or revoke any or all of your rights granted under these Terms and Conditions in an instance where in our opinion the platform is being abused, used for fraud, illegality or in any other inappropriate manner. Upon any termination your rights under these Terms & Conditions, you shall immediately cease all access to and use of the Site and we shall, in addition to any other legal or equitable remedies, immediately revoke all password(s) and User Identification issued to you and deny your access to and use of this Site in whole or in part. Any such termination shall not affect the respective rights and obligations (including without limitation, payment obligations) of the parties arising before the date of termination. You furthermore agree that the Site shall not be liable to you or to any other person as a result of any such suspension or termination.
Save and Buy shall be indemnified against any claim or demand, including legal fees made by any third party due to or arising out of your breach of this Terms & Conditions, or your violation of any law or rights of a third party.
Any dispute arising out of or relating to these Terms & Conditions which cannot be amicably resolved by the Parties, shall be settled by arbitration under the Arbitration and Conciliation Act of Nigeria Cap A 18 Laws of the Federation of Nigeria 2004 or any modification or re-enactment thereof for the time being in statutory force. The arbitration award shall be final and binding and judgment upon the award tendered may be entered in any court having jurisdiction. The arbitrator shall be a person who is legally trained and has experience in the information technology field in Nigeria and is independent of either party. Notwithstanding the foregoing, the Site reserves the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the courts.
Save and Buy does not provide any warranty or condition, express or implied, except as specifically stated in these Terms & Conditions. You acknowledge your access to the website(s) may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services. We shall make every effort to ensure that the information contained in our correspondence, reports, on the website(s) and given verbally by our directors, officers and staff is accurate to the best of our belief at the time the information is provided. However, we cannot guarantee the accuracy of all such information in all circumstances and contexts, and no reliance should be placed on such information by you.
This Agreement sets forth the entire understanding between you and Save and Buy. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall be enforced.
If you have any complaints or enquiries you can contact us on email@example.com, stating 'Enquiry' or 'Complaint' in the subject