Terms of Service

1. What GioBiz Is — and What It Is Not

GioBiz is a technology platform. Henmack Integrated Technologies Ltd ("GioBiz", "we", "us") operates a marketplace and software service that connects vendors, individual riders, and dispatch logistics companies. We provide the tools — listings, ranking, booking, tracking, ratings, and management software.

2. Who Uses the Platform

The platform serves three independent classes of users:

• Vendors — sellers, retailers, e-commerce operators who use GioBiz software to manage their business and to find delivery options for their orders.
• Riders — independent motorcycle, tricycle, or vehicle operators who list themselves on the platform to receive job offers from vendors.
• Dispatch logistics companies — independent businesses (5–200+ riders) that use GioBiz software to manage their operations and to receive job offers from vendors.

All three are independent businesses or independent contractors. None of them are employees, agents, partners, or representatives of GioBiz. By using the platform, you represent that you are operating in your own legal capacity.

3. Liability and Risk — IMPORTANT

3.1 No carriage contract

When a vendor hires a rider or a dispatch company through the platform, the contract of carriage is between the vendor and the chosen provider. GioBiz is not a party to that contract.

3.2 No warranty of provider conduct

GioBiz operates a reputation system showing ratings and reviews. We do not warrant the conduct, performance, integrity, identity, qualifications, or insurance status of any rider or dispatch company. The reputation system is information; it is not a guarantee.

3.3 Insurance

GioBiz does not provide insurance for any goods moving through the platform. Vendors and senders are responsible for arranging their own insurance directly with their chosen provider or with a third-party insurer if they wish to cover high-value items.

3.4 Indemnity

You agree to indemnify and hold GioBiz harmless from any claim, demand, loss, or expense arising from your use of the platform, including any claim from a customer, supplier, recipient, or third party relating to goods carried under arrangements made on the platform.

4. Delivery Paths and Responsibility

GioBiz supports two distinct delivery booking paths. Each carries different responsibility:

Path 1 — Vendor hires a Dispatch Logistics Company (lower risk)

The vendor selects a registered dispatch company from the marketplace. The dispatch company collects the goods and is responsible for managing pickup, transit, transfer between riders, and delivery. The dispatch company is liable to the vendor for performance of that service. GioBiz is not liable for the dispatch company's performance, conduct, or solvency.

Path 2 — Vendor hires a Rider Directly (higher risk, faster)

The vendor selects an individual rider directly from the marketplace, often for urgent or high-priority items. By choosing this path, the vendor expressly accepts the risks of using an individual contractor — including the risk of loss, theft, accident, mis-delivery, or non-performance. GioBiz facilitates the connection but is not liable for the rider's conduct. Riders on this path are independent contractors of the vendor for that specific job.

In both paths, GioBiz's role is limited to: providing the marketplace, processing the booking, hosting the tracking page, sending automated notifications, and (where applicable) collecting platform commissions.

5. Accounts and Verification

• You must be at least 18 years old to create a GioBiz account.
• You must use a phone number, email address, and (where applicable) a National Identification Number (NIN) or business registration that you control or are authorised to use.
• Riders must complete identity verification (NIN or driver's licence + selfie) before accepting jobs. Dispatch companies must provide business registration documents.
• You are responsible for all activity under your account. Keep your PIN, OTP codes, and recovery email secure.
• GioBiz may suspend, restrict, or remove any account that violates these Terms, with or without notice, at our sole discretion.

6. Payments and Pricing

6.1 Types of payment on GioBiz

• (A) Subscriptions — plan fees paid to GioBiz for access to the software (Standard, Pro, Premium, Warehouse, Logistics, Dispatch, and Rider plans). Paid by card or bank transfer through our payment provider, or by manual bank transfer we confirm.
• (B) Credits — prepaid credit top-ups purchased from GioBiz and spent on metered features such as AI ("Ask Gio"), identity verification, and extra capacity. Credits are digital goods; see 6.4.
• (D) Money collected on behalf of MaRide and GioBiz — Henmack Integrated Technologies Ltd collects payments for GioBiz and, where MaRide (our delivery partner) charges a fee — for example a rider's trip commission or protection fee, or a delivery paid through GioBiz — it also collects that money as collection agent on behalf of MaRide. Money collected for MaRide belongs to MaRide and is passed on to MaRide; it is not GioBiz's own revenue. Your receipt says who each payment is for.
• (C) Customer payments — money paid between a business and its own customers for goods or delivery. This is arranged off-platform (cash, bank transfer, or the business's own arrangements). GioBiz never holds, routes, or processes money between a business and its customers and is not a party to those transactions.

6.2 Payment processing (subscriptions & credits)

• Card and bank-transfer payments to GioBiz (types A and B above) are processed by our payment service providers, Paystack and Monnify (Moniepoint Group). GioBiz does not store your full card details; card data is handled by the provider under its own security and PCI obligations.
• A payment is treated as successful only after the payment provider confirms it to us (a signed, verified payment notice or a direct check with the provider) (or, for manual transfers, after we confirm receipt). Access to a paid plan or credit balance is granted on confirmation.
• The platform also records cash, transfer, credit, and bank-transfer states that a business uses to track its own sales and delivery fees — these are bookkeeping records, not payments GioBiz processes.

6.3 Plans, renewal, cancellation & failed payments

• Paid plans run for the stated period (typically monthly) and renew for a further period unless cancelled before the renewal date. You can cancel a plan at any time from the app; cancellation stops future renewals and takes effect at the end of the current paid period (no partial-period refunds except as stated in the Refund Policy).
• New paid plans are covered by the 7-day money-back guarantee in the Refund Policy.
• If a renewal payment fails, we may retry it and will notify you; if it remains unpaid, the plan lapses to the free tier and paid features become unavailable until payment succeeds.
• Your shop, your records and your customers stay in place if a plan is not paid. You can still sign in and see everything; to keep selling, choose a plan and pay. Everything switches back on once your payment is confirmed.
• Duplicate / double payments: if you are charged more than once for the same subscription or credit purchase in error, contact support@giobiz.com and we will verify against Monnify's records and refund or credit the duplicate.

6.4 Credits

• Credits are prepaid digital goods used to unlock metered features. Once spent, credits are non-refundable. An unspent credit balance is handled as set out in the Refund Policy.
• Where your plan includes a monthly credit or usage allowance, that allowance may accumulate month-over-month while your subscription stays active. If you stop subscribing, the system will warn you; an accumulated balance that is not maintained by an active subscription may expire after that warning.
• Credits and free allowances may not be resold, exploited, or obtained by gaming trials, promotions, or referrals (see the Acceptable Use Policy).
• AI product help: 30 free each month, which you may use at once or spread through the month. After that, each AI help on a product costs 2 credits (a repeat on the same product also costs 2 credits). You are always asked before any charge, and you are charged only when the AI helped. The free 30 start again each month; they do not add up from month to month.
• GioBiz Credit Transfer Terms: GioBiz Credits are internal service units used for approved services within GioBiz. They are not cash, legal tender, savings or an investment. Credits cannot be withdrawn to a bank account, exchanged for cash or used outside approved GioBiz services. Only credits marked as transferable may be sent to another eligible GioBiz account. Promotional, trial, disputed, reversed, expired or otherwise restricted credits cannot be transferred. You are responsible for confirming the recipient's GioBiz ID and displayed account name before authorising a transfer. A completed transfer may not be reversible after the recipient has used or retransferred the credits. GioBiz may delay, hold, reject, freeze or reverse a credit transfer where necessary to prevent fraud, correct a processing error, respond to a payment dispute, protect users or comply with applicable requirements. Every authorised action will be recorded. Transfer availability and limits may differ by account status, credit source, verification level and security risk. GioBiz may update these limits to protect the platform and its users.

6.5 Chargebacks & disputes

• If you believe a charge is wrong, contact support@giobiz.com first so we can resolve it directly. Initiating a bank chargeback without first contacting us may result in your account being placed under review and any credits granted for the disputed payment being reversed. Disputes are handled in line with Monnify's dispute timelines and Nigerian payment rules.

6.6 Tariff guidance & other fees

• Vendors must confirm external payments before marking an order as paid. Riders and dispatch companies are responsible for collecting their own delivery fees from the relevant party.
• GioBiz publishes recommended price ranges (tariff guidance) for transparency. These are non-binding. Riders, dispatch companies, and vendors set their own actual prices.
• GioBiz may offer premium profile placement to riders and dispatch companies at published rates. Premium placement does not constitute an endorsement by GioBiz.
• Refunds of subscription fees paid to GioBiz are governed by our Refund Policy. Refunds or returns for goods a business sells to its own customers are that business's responsibility, not GioBiz's.

7. Vendor Obligations

• Provide accurate sender, recipient, package, and value information when booking a delivery.
• Do not ship prohibited goods (see Section 11).
• Pay agreed delivery fees promptly to the chosen provider.
• Resolve customer disputes (refunds, returns, product issues) directly with the customer. GioBiz is not a customer service intermediary.
• Honour your published store information, prices, and stock levels.

8. Rider Obligations

• Hold a valid driver's licence (where required by Nigerian law for your vehicle type) and operate a roadworthy vehicle.
• Carry goods with reasonable care. Do not tamper with, open, or remove items from packages.
• Provide pickup and delivery proof (photos, GPS, signature where supported) accurately.
• Do not solicit customers off-platform after a delivery is completed via the platform.
• Do not impersonate other riders or take jobs you cannot complete.

9. Dispatch Company Obligations

• Maintain valid business registration (CAC) and any sector-specific licences required for logistics operations.
• Take reasonable steps to verify and supervise your own riders. You are responsible for the conduct of riders operating under your company name.
• Honour published prices, schedules, and guarantees on your public profile.
• Maintain insurance appropriate to the goods you carry (recommended, not required by GioBiz).
• Accept responsibility, as the contracting carrier, for goods between pickup and delivery on Path 1 jobs.

10. Disputes

Disputes between users (vendor-rider, vendor-dispatch, rider-customer) must be resolved between those parties. GioBiz may, at our sole discretion and without obligation, offer informal mediation, hold a non-binding view of the facts, or restrict the platform privileges of a non-compliant party. Our involvement is optional and does not create a duty of care or any contractual obligation to resolve the matter.

11. Prohibited Use

You must not use the platform for any of the following:

• Fraud, counterfeit goods, illegal substances, weapons, stolen property, or any goods prohibited by Nigerian law.
• Spam, harassment, threats, or harmful behaviour towards any user.
• Misleading storefronts, false product information, or deceptive marketing.
• Attempting to access another user's account, data, or business records.
• Bypassing security rules, rate limits, authentication flows, or platform commissions.
• Using the platform to coordinate price-fixing or anti-competitive behaviour with other users.
• Reselling, re-licensing, or repackaging the GioBiz software or data without our written permission.

12. Data and Privacy

GioBiz processes user data in accordance with our Privacy Policy, which is compliant with the Nigeria Data Protection Act (NDPA) 2023 and the Nigeria Data Protection Regulation 2019, as administered by the Nigeria Data Protection Commission (NDPC). You agree that GioBiz may anonymise and aggregate platform data for tariff studies, market research, and platform improvements, and may publish such aggregated data without identifying individual users.

13. Availability and Changes

GioBiz is provided on an "as is" and "as available" basis. The service may experience downtime, bugs, data loss, or feature changes. Maintain your own backup records for critical accounting and inventory operations. We may update these Terms at any time by posting a new version. Continued use of the platform after a change constitutes acceptance.

14. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes arising from the use of the platform shall be resolved exclusively in the courts of Lagos State, Nigeria.

15. Telegram publishing

The channel and the bot are yours. You give GioBiz your bot's token only so it can post the products you choose. You are responsible for what is posted, for your prices and goods, and for every sale or dispute with your buyers. GioBiz never reads your bot's messages and is not responsible for Telegram, your channel, or anything that happens there. You can disconnect at any time.

16. Co-owners

A co-owner is a person you invite to run your business on GioBiz with their own account. Co-owner is access to the GioBiz app only. It does not make anyone a legal owner, partner, shareholder or director of your business. You can remove a co-owner's access at any time; what they did while they had access stays in your records.

17. GioBiz Credits and the wallet

Credits are prepaid units you use for GioBiz services (verification checks, AI help, extra listings, Telegram posts and other paid features). Credits are not money and cannot be withdrawn as cash. Credits you have bought do not expire while your account is open; free allowances that come with a plan follow section 6.4. You may send credits to another GioBiz ID; a transfer cannot be reversed by GioBiz once the other person has used them. If a payment for credits or a plan is disputed with your bank or refunded, GioBiz may take back the credits or plan time that payment bought, and will tell you.

18. Payment & Credit records

The money records in your shop (who owes you, what you owe suppliers, refunds) are your own records of your own business. GioBiz keeps them for you; it is not a party to those debts and does not lend money or collect it for you.

19. Maride Rider Pool

GioBiz Operations controls riders, matching and tracking. MaRide is a partner with its own brand, prices and terms for the trips it covers. Your contract for a delivery is with the rider or company that carries it.

20. Services and Property

GioBiz is where you find each other. The work, the house and the money are between you and the provider, landlord or buyer; GioBiz is not a party to that contract.

21. Seller Verification

Each level says what GioBiz checked (phone, identity, business documents, address). A level is not a guarantee of the person or the goods.

22. AI help

Your plan includes 30 free AI product checks each month (section 6.4); after that each check uses 2 credits, and you are always asked first. AI suggestions are suggestions — you decide what goes on your store.

23. Contact

Questions, complaints, or notices regarding these Terms should be sent to:

• Email: support@giobiz.com
• Operator: Henmack Integrated Technologies Ltd, Lagos, Nigeria