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Terms and Conditions

NAVO App – Terms and Conditions

Effective Date: [Insert Date]
Last Updated: [Insert Date]

Welcome to NAVO, a mobile and web-based platform that enables users to send and receive packages, shop across borders, and manage transactions via wallet funding. These Terms and Conditions (“Terms”) govern your use of the NAVO app, website, and associated services (collectively, “Services”). By accessing or using NAVO, you agree to be bound by these terms.

1. Eligibility

To use NAVO, you must:

  • Be at least 18 years old (or the legal age of majority in your jurisdiction)

  • Provide accurate personal and payment information

  • Comply with applicable local and international regulations

NAVO reserves the right to decline access or suspend accounts that violate these terms.

2. User Accounts

  • You are responsible for maintaining the confidentiality of your login credentials.

  • All activity under your account is your responsibility.

  • You agree not to create multiple accounts for misuse or impersonate another person.

3. KYC (Know Your Customer) & Identity Verification

To comply with local laws and ensure platform security, NAVO may require you to verify your identity by submitting:

  • Government-issued ID

  • Proof of address

  • Selfie verification or biometric data (if necessary)

Failure to comply may lead to account suspension or transaction blocking.

4. Wallet & Payment Services

a. Funding & Payments

  • You may fund your NAVO Wallet using a debit/credit card, mobile money, or a bank transfer.

  • Funds can be used for deliveries, shopping orders, and other NAVO services.

  • NAVO partners with third-party payment providers and is not liable for delays or processing failures beyond its control.

b. Withdrawals

  • Wallet funds may not be withdrawable unless specified (e.g., in refund scenarios).

  • Withdrawals, if allowed, may be subject to KYC review, transaction limits, and processing times.

5. Shipping and Delivery

NAVO enables customers to send and receive shipments between the UK and Nigeria hubs.
You agree to the following:

  • You are responsible for the content and legality of items shipped.

  • Prohibited items include weapons, illegal substances, counterfeit goods, and restricted materials.

  • Delivery times are estimates and may vary due to customs, weather, or other external factors.

  • Customs duties or taxes are the user’s responsibility unless specified otherwise.

NAVO is not responsible for loss, delay, or damage due to force majeure, third-party carrier errors, or customer negligence.

6. Shopping Services

NAVO offers a personal shopping service where users can request purchases of groceries or products.

  • Orders are confirmed only after full payment.

  • NAVO does not guarantee item availability or pricing from external retailers.

  • Delivery timelines and pricing may vary depending on vendor locations and logistics conditions.

7. Restrictions

You may not:

  • Use NAVO for fraudulent, illegal, or unauthorized transactions

  • Reverse-engineer or tamper with the app

  • Use automated systems (e.g., bots or scrapers)

  • Misrepresent identity or payment sources

Violation of these restrictions may lead to immediate account termination and legal action.

8. Intellectual Property

All content, designs, code, logos, and trademarks on the NAVO platform are the property of NAVO or its licensors. You may not reproduce, distribute, or modify them without express permission.

9. Service Availability

NAVO may temporarily suspend or limit access for maintenance, upgrades, or unforeseen issues. We are not liable for unavailability but we strive to maintain 99.9% uptime.

10. Disclaimers

  • NAVO is provided “as is” and “as available.”

  • We make no warranties (express or implied) about service reliability, merchantability, or fitness for a particular purpose.

  • We are not liable for damages arising from use or inability to use the app.

11. Limitation of Liability

To the fullest extent permitted by law, NAVO is not liable for:

  • Indirect, incidental, or consequential damages

  • Loss of data, income, or opportunity

  • User errors or third-party service failures

Total liability, if any, will not exceed the amount paid by you in the past 3 months.

12. Termination

NAVO may terminate or suspend your access at any time for violations of these terms or legal concerns. You may also delete your account at any time.

13. Privacy

Use of NAVO is also governed by our Privacy Policy, which explains how we handle your data.

14. Dispute Resolution

Disputes will be resolved through arbitration or mediation, where applicable. Jurisdiction is subject to Nigerian and/or UK laws, depending on the location of service delivery.

15. Updates

We may update these terms occasionally. You will be notified via email or app notification. Continued use of the service means you accept the revised terms.

16. Contact Us

If you have questions or complaints about these terms, contact:
NAVO Support
📧 Email: support@navoapp.com
🌐 Website: www.navoapp.com

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