Terms & conditions · Michael Prime Services

Welcome to Michael Prime Services. These Terms & Conditions (the “Terms”) govern your use of the website at https://mpsev.com, the Michael Prime Services mobile and web apps, and every service available through them (together, the “Service”). By creating an account, listing an item, placing an order or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Service.

Who we are

The Service is operated by Michael Prime Services, a business name registered with the Corporate Affairs Commission of Nigeria (registration no. BN 6960993), whose principal place of business is No 43, Km 43 Atani Road, Onitsha, Anambra State, Nigeria (“Michael Prime Services”, “we”, “us” or “our”). You can reach us at help@mpsev.com.

Our role: a marketplace that connects buyers and sellers

Michael Prime Services does not own, make, stock or sell the items listed on the Service. Every product, service, job opening and professional profile is created and published by an independent user. We provide the technology that connects buyers with sellers, employers with job seekers and customers with professionals, and we provide escrow-protected payments, chat, delivery tools, verification and dispute resolution to make those connections safe.

A sale is a contract between the buyer and the seller. Michael Prime Services is not a party to it and is not the seller of any item.
Sellers are solely responsible for their listings: the description, photos, price, condition, availability, legality, quality, safety and delivery of what they sell, and for any taxes due on their sales.
We do not inspect items before they are sold and we do not guarantee any item, seller, buyer, employer or professional. Verification badges mean a user has passed the checks described in the app; they are not an endorsement.

Definitions

Buyer: a user who orders an item or service through the Service.
Seller: a user (an individual or a business) who lists items or services for sale. A Store is a seller's page; an Official store is a business whose registration we have verified.
Escrow: the way order payments are handled on the Service. The buyer's payment is held and released to the seller only when the buyer confirms delivery, or automatically after the confirmation period shown in the app if the buyer does not respond or open a dispute.
Listing: an item, service, job opening or professional profile published by a user.
Wallet: the balance shown in your account for refunds, sales proceeds, funding and bill payments.
Device: any phone, tablet, computer or other device used to access the Service.

Your account

You must be at least 18 years old and able to enter into a binding contract to create an account.
Give accurate, current information and keep it up to date. Each person may hold one personal account; businesses may open a store linked to it.
Keep your password, PIN and one-time codes secret. Michael Prime Services staff will never ask for them. You are responsible for activity on your account until you tell us it has been compromised.
Some features (for example selling above certain amounts, withdrawals or an Official store) require identity (KYC) or business (KYB) verification. We may ask for documents and may refuse or remove verification at our discretion.

Listing and selling

List only items and services you own or are permitted to sell, describe them honestly with your own photos, and state the real price, condition and any defects.
Do not list anything illegal, stolen, counterfeit, dangerous, adult, or otherwise prohibited by Nigerian law or by the safety rules shown in the app (including weapons, drugs, human remains, wildlife products and financial or investment schemes).
Prices are set by sellers. If a listing shows an obviously wrong price because of a typing error, the seller may cancel the order and the buyer receives a full refund from escrow.
Ship or hand over sold items within the time you promised and keep delivery information up to date in the order.
We may review, hide, edit for formatting, or remove any listing, and limit or suspend selling, if we reasonably believe it breaks these Terms or puts users at risk.

Buying

Read the listing, the seller's profile and reviews before you buy, and ask the seller questions in chat.
Always pay through the Service checkout. Payments made outside the Service (bank transfer to a seller, cash before inspection, payment links sent in chat) are not protected by escrow and we cannot help you recover them.
Confirm delivery only after you have received and checked the item. Confirming releases the payment to the seller.

Payments and escrow

Payments are processed by licensed payment service providers (such as Paystack and Flutterwave) under their own terms. Michael Prime Services does not store your full card details. For each order, the buyer's payment is held and is not released to the seller until delivery is confirmed, the confirmation period ends without a dispute, or a dispute is decided. If an order is cancelled before dispatch, or a dispute is decided in the buyer's favour, the refund is made from the held payment.

When you pay in a currency other than the listing's, the exact amount and exchange rate are shown and locked before you confirm. Converted prices shown while browsing (marked “≈”) are estimates for information only.

Fees

Buyers may pay a buyer protection (service) fee and any delivery fee, both shown before payment.
Sellers pay a commission on completed sales, capped as shown in the app, which is deducted when the payment is released. Optional paid features such as listing boosts are charged as shown when you buy them.
Fees are how Michael Prime Services pays for escrow, dispute handling, fraud checks, support and running the Service. We may change fees for future transactions by updating them in the app; fees already shown on an order do not change.

Delivery

Delivery is arranged by the seller, by a delivery partner offered in the app, or by collection in person, as agreed in the order. Delivery partners are independent businesses responsible for the goods while in their care. Risk in an item passes to the buyer when it is delivered or collected.

Returns, refunds and disputes

Because Michael Prime Services does not sell the items listed, returns are between the buyer and the seller, and sellers may set their own return policy in their listing or store. Escrow gives every buyer the following protection:

Item not received: if the item does not arrive, open a dispute from the order before the confirmation period ends. If the seller cannot show delivery, you receive a full refund.
Item not as described: if what you received is materially different from the listing (wrong item, counterfeit, damaged or missing parts), open a dispute with photos or video before confirming delivery. If the dispute is upheld, the item is returned to the seller as instructed in the app and you are refunded.
Change of mind is not covered unless the seller's own return policy allows it.
Either side may ask Michael Prime Services to decide a dispute. We review the order, the chat and the evidence both sides provide, and our decision on how the held payment is released or refunded is final for the purposes of the Service. It does not affect any right you have under Nigerian law, including under the Federal Competition and Consumer Protection Act.
Refunds go back to your wallet or to the original payment method, as shown in the app.

Jobs and professional services

Employers are responsible for their job openings, their hiring decisions and their compliance with labour law. Professionals are responsible for the services they offer, their qualifications and the quality of their work. Michael Prime Services is not an employer, recruiter or agent of any user. Genuine employers never ask applicants to pay to apply or to be interviewed; report anyone who does.

Wallet and bill payments

Your wallet shows money due to you (sales proceeds, refunds and funding). Withdrawals go to a bank account in your verified name and may be held for security checks or while a dispute or investigation is open.
Airtime, data, electricity, TV and other bill payments are delivered by licensed billers and aggregators. If a bill payment fails, the amount is returned to your wallet. Check the account number, meter number or phone number before paying; we cannot reverse a payment made to details you entered incorrectly once the biller has accepted it.

What you must not do

Use the Service for fraud, money laundering, or any illegal purpose, or to sell prohibited items.
Ask others to pay or communicate outside the Service to avoid fees or escrow.
Harass, threaten, discriminate against or mislead other users, or post false reviews.
Create fake or multiple accounts, impersonate anyone, or use someone else's account or payment method.
Copy, scrape, reverse engineer, overload or interfere with the Service, or try to get around its security.

Content you post

You keep ownership of the photos, text and other content you post. You give Michael Prime Services a worldwide, royalty-free, non-exclusive licence to host, display, reproduce, adapt (for example resize or translate) and promote that content in connection with the Service, including in search results and advertising for your listing, for as long as it is on the Service. You confirm you have the rights needed to grant this licence and that your content does not infringe anyone's rights.

Reviews

Reviews must be honest and based on your own experience. Reviews from completed purchases are marked as such. We may remove reviews that are fake, abusive, irrelevant or that break these Terms, but we do not edit their meaning.

Your suggestions

If you send us feedback or ideas about the Service, we may use them freely without any obligation to you.

Intellectual property

The Service, including its software, design, the Michael Prime Services name and the MP logo, belongs to Michael Prime Services and is protected by Nigerian and international intellectual property laws. Except for content posted by users, you may not copy, modify or distribute any part of the Service without our written permission.

Copyright and trademark complaints

If you believe a listing infringes your copyright or trademark, email help@mpsev.com with your contact details, the listing link, proof of your rights and a statement that the information is accurate. We will review it and may remove the listing and act against repeat infringers.

Third-party services and links

The Service uses and links to services run by others (payment providers, billers, delivery partners, map, translation and advertising providers). Their own terms and privacy policies apply, and we are not responsible for their content or availability.

Cookies

We use cookies and similar technologies as explained in our Privacy Policy. You can choose which optional cookies we may use at Cookie preferences.

Suspension and termination

You may close your account at any time from the app. We may restrict, suspend or close an account, hold payments connected to it, or remove content if we reasonably believe you have broken these Terms or the law, to protect other users, or where required by a payment provider, regulator or court. Where we can, we will tell you why. Orders already paid remain subject to escrow and the dispute process.

Disclaimers

The Service is provided “as is” and “as available”. We work hard to keep it accurate, secure and available, but we do not promise that it will be uninterrupted or error-free. Information in listings, job openings and profiles comes from users, and we do not guarantee its accuracy. Please read our Disclaimer.

Limitation of liability

To the extent permitted by law, Michael Prime Services is not liable for: the items, services, jobs or conduct of users; indirect or consequential losses; or loss of profit, business or data. For any other claim related to the Service, our total liability to you is limited to the fees you paid to Michael Prime Services in the twelve months before the claim, together with any order payment still held for you in escrow. Nothing in these Terms limits liability that cannot be limited under Nigerian law, including for fraud or for death or personal injury caused by negligence.

Indemnity

You agree to compensate Michael Prime Services for claims, losses and reasonable costs (including legal fees) arising from your listings, your sales or purchases, your breach of these Terms or your violation of the law or of anyone's rights.

Changes to the Service and these Terms

We may change, add or remove features of the Service. We may update these Terms to reflect changes to the Service, our policies or the law. If a change is material, we will give you notice in the app or by email before it takes effect. If you keep using the Service after that, the updated Terms apply; if you do not agree, you can close your account.

Governing law and disputes with us

These Terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint about Michael Prime Services, please contact us first at help@mpsev.com so we can try to resolve it within thirty (30) days. If we cannot, either party may refer the dispute to mediation and, failing that, to arbitration seated in Anambra State, Nigeria under the Arbitration and Mediation Act 2023, or to a Nigerian court of competent jurisdiction. This does not stop you from contacting the Federal Competition and Consumer Protection Commission or exercising any other right you have as a consumer.

General

If any part of these Terms is found unenforceable, the rest stays in effect.
If we do not enforce a right immediately, we have not given it up.
You may not transfer your rights under these Terms. We may transfer ours to a successor business, including a company that takes over the Service.
These Terms, together with our Privacy Policy, Disclaimer and any rules shown in the app for a specific feature, are the whole agreement between you and Michael Prime Services about the Service.

Contact us

Email: help@mpsev.com
Address: Michael Prime Services, No 43, Km 43 Atani Road, Onitsha, Anambra State, Nigeria
Website: https://mpsev.com