Effective Date: 13th July, 2026.

Welcome to Biznaire Ltd ("Biznaire", "we", "our", or "us"). These Terms of Service govern your access to and use of the Biznaire website, escrow transaction management tools, payment facilitation features, support channels, and related services.

By creating an account, making a payment, accepting a transaction, or otherwise using Biznaire, you agree to these Terms and to our related policies, including our Privacy Policy, Refund Policy, and Dispute Resolution Policy.

1. About Biznaire

Biznaire is a Nigerian escrow platform that helps users buy and sell online. Eligible categories may include online business, general merchandise, domain names, services, online accounts, and source codes.

Biznaire provides transaction workflow tools, communication features, document collection, inspection-period tracking, dispute handling, and settlement support. Biznaire is not a bank, payment processor, financial institution, investment adviser, legal adviser, or owner of sold items or services.

2. Eligibility and Account Responsibilities

To use Biznaire, you must be at least 18 years old, have legal capacity to enter into binding agreements, provide accurate information, comply with applicable laws, and complete identity or business verification when requested.

You are responsible for safeguarding your account credentials and for all activity carried out through your account. You must notify Biznaire immediately if you suspect unauthorized account access, fraud, security compromise, or misuse.

3. Prohibited and Restricted Activity

You must not use Biznaire for illegal, fraudulent, unauthorized, deceptive, restricted, sanctioned, or high-risk activity. Prohibited conduct includes selling items you do not own, transferring hacked or stolen accounts, impersonation, identity misuse, money laundering, terrorist financing, sanctions evasion, card fraud, chargeback abuse, or any transaction that violates our Acceptable Use Policy.

Biznaire may request additional due diligence information from buyers, sellers or brokers and may delay, cancel, restrict, or report escrow transactions where required for fraud prevention, compliance, dispute management, or legal reasons.

4. Payments and Third-Party Payment Providers

Payments on Biznaire may be processed by approved third-party payment providers, including Flutterwave or other providers made available on the platform. Payment providers may require verification, apply transaction rules, impose limits, review transactions, delay settlement, withhold settlement, reverse transactions, process refunds, or request additional information under their own agreements, rules, and applicable law.

Buyer payments may settle into Biznaire's payment-provider account or wallet before seller payout. Seller payout is initiated only after the transaction reaches the required completion stage, such as buyer confirmation, inspection-period expiry, admin release, or dispute resolution. Seller payout timing may also depend on payment provider settlement schedules, bank processing, compliance checks, transfer availability, and fraud review.

Biznaire does not store full card details. Card and payment information is handled by the relevant payment provider according to its own terms and privacy notices.

5. Fees

Biznaire may charge escrow transaction fees, service fees, payout fees, payment processing fees, or other disclosed charges. Fees will be displayed or communicated before they apply where reasonably possible.

Unless otherwise stated or required by law, platform fees and third-party processing fees may be non-refundable.

6. Delivery and Inspection

Buyers and sellers must follow the Delivery Policy and the transaction instructions displayed on Biznaire. Delivery may include domain transfer, source-code handover, website migration, account transition, documentation delivery, access credential rotation, or other item-specific steps.

Where an inspection period applies, the buyer must review the item or service within that period and either confirm completion or raise a dispute. If the buyer takes no action before the inspection period expires, the transaction may be completed and seller payout may be initiated according to the transaction rules.

7. Cancellations, Refunds, and Chargebacks

Cancellations and refunds are handled under our Cancellation Policy and Refund Policy. Refunds may depend on the transaction stage, seller delivery status, buyer inspection status, dispute outcome, payment provider rules, and whether seller payout has already been initiated.

You agree to cooperate with refund, fraud, and chargeback investigations. Buyers, sellers, and brokers must provide evidence of payment, authorization, delivery, item or service transfer, communication, and value received when requested. Biznaire may decide platform actions based on available evidence if a party fails to respond.

Chargebacks, payment reversals, penalties, provider fees, or losses caused by user fraud, misrepresentation, policy breaches, or failed delivery may be recovered from the responsible user where permitted by law and platform rules.

8. Disputes Between Buyers and Sellers

Biznaire may review evidence and facilitate dispute handling through the platform. Biznaire is not a court, arbitrator, legal representative, or financial institution. Payment providers are generally not responsible for resolving buyer-seller disputes unless the issue relates directly to payment processing or settlement.

Users must cooperate in good faith, submit accurate evidence, and respond promptly to requests. Fraud, false evidence, abusive conduct, or refusal to cooperate may result in account restriction, cancellation of a transaction, delayed payout, or reporting to relevant authorities.

9. Privacy and Security

Biznaire collects and processes personal, escrow transaction, and verification information according to our Privacy Policy. We use reasonable administrative, technical, and organizational safeguards to protect user information and payment-related data in our control.

You must not share passwords, one-time passcodes, private keys, recovery phrases, payment credentials, or sensitive access credentials outside secure transaction channels. Users are responsible for removing or rotating access credentials after asset transfer where applicable.

10. Suspension, Investigation, and Termination

Biznaire may suspend, restrict, or terminate an account, listing, transaction, payout, or platform access where we suspect fraud, unlawful conduct, payment abuse, security risk, policy violation, regulatory risk, or payment provider requirement.

Biznaire may retain escrow transaction records, verification records, communications, and other evidence for compliance, fraud prevention, dispute handling, and legal purposes after account closure.

11. No Investment or Business Performance Guarantee

Biznaire does not guarantee the value, revenue, traffic, profitability, legality, marketability, future performance, or commercial success of any item or service. Buyers are responsible for their own due diligence before purchasing.

12. Intellectual Property

Users retain ownership of their items and services subject to transaction agreements and completed delivery.

13. Limitation of Liability

To the fullest extent permitted by law, Biznaire is not liable for user misconduct, failed item delivery, business losses, lost profits, payment provider delays, bank delays, chargebacks, reversals, technical interruptions, regulatory actions, or third-party service failures.

Where liability cannot be excluded, Biznaire's liability is limited to the fees paid to Biznaire in connection with the relevant transaction, unless applicable law requires otherwise.

14. Changes to These Terms

Biznaire may update these Terms or related policies at any time. Updates take effect when published on the platform. Continued use of Biznaire after publication means you accept the updated terms.

15. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Subject to any mandatory dispute procedure, disputes shall be submitted to competent courts or other lawful dispute resolution forums in Nigeria.

16. Contact

For support, complaints, refund requests, disputes, or payment issues, contact Biznaire through the support ticket system or by email.

• Email: [email protected]
• Website: www.biznaire.com
• Support ticket: https://biznaire.com/ticket
• Phone: see the phone number published on our Contact page at https://biznaire.com/contact

Biznaire aims to respond to customer enquiries and payment-provider information requests within one business day.