Terms of Service and End User Licence

1. The agreement and the service

These Terms of Service and the Overcast Privacy Notice form the agreement between you and Overcast when you create an account, sign in, place an order, publish a listing, or use another protected feature. “Overcast”, “we”, “us”, and “our” refer to the operator of the Overcast marketplace. “You” means the person using the service or acting for a business.

Overcast provides technology for independent vendors to list goods and for buyers to discover, order, and pay for specific goods. The vendor remains responsible for the goods, title, legality, condition, description, price, stock, fulfilment, and delivery promise. Overcast does not become the seller of a vendor's goods merely because the marketplace displays a listing or coordinates an order.

Overcast is not a bank, deposit-taker, payment service provider, money-transfer operator, insurer, trustee, custodian, or licensed financial institution. Overcast does not market a buyer wallet or a general-purpose stored-value account. Payment collection and settlement are handled through the payment arrangements enabled for the marketplace and are subject to provider rules and applicable Nigerian law.

2. Eligibility and acceptance

You must be at least 18 years old to use Overcast independently. A person below 18 may use the service only where a parent or legal guardian has provided legally effective consent and supervises the transaction. A payment provider, bank, product category, or applicable law may impose a stricter requirement.

By accepting these Terms, you confirm that you have reviewed the key points shown during signup, read these Terms and the Privacy Notice, that the information you provide is accurate, and that you have authority to enter into any transaction you make. If you do not agree, do not create an account or use the service.

3. Accounts and account security

One person must not impersonate another person, use another person's bank account without authority, submit a false legal name, create duplicate accounts to avoid a restriction, or allow another person to use the account, password, recovery link, or transaction PIN. You are responsible for keeping your credentials and device secure and for telling us as soon as possible if you suspect unauthorised access.

Contact Overcastsupport@getovercast.app for account compromise, payment misuse, or a security concern. Never send a password, transaction PIN, payment secret, or complete identity number by email.

4. Vendor identity, shop names, and listings

A vendor must provide accurate legal identity information and complete the bank-account name check required during onboarding. The vendor's shop name is a public trading name and is not a substitute for the vendor's legal identity. Shop names and listings may be reviewed, limited, or removed when necessary to protect buyers, comply with law, or enforce these Terms.

Vendors must own or lawfully control the right to sell each item and must disclose its material characteristics, condition, quantity, price, availability, delivery areas, expected delivery time, collection requirements, restrictions, and defects. Vendors must comply with product-safety, consumer-protection, intellectual-property, advertising, tax, trade, health, import, age-restriction, and sector-specific requirements that apply to their goods.

Counterfeit or stolen goods, unsafe or deceptive goods, unlawful regulated goods, misleading prices, fake reviews, false scarcity, harassment, hate or exploitation content, malware, phishing, and goods or services that violate applicable law are prohibited.

5. Prices, checkout, and order-specific payments

A buyer pays for a specific product order. Overcast does not accept buyer deposits and does not provide a buyer wallet or a general-purpose buyer balance. Product prices, applicable processing charges, delivery charges, discounts, taxes where applicable, and the total payable amount are shown before the buyer confirms payment.

The server rechecks price, stock, order eligibility, and payment status. A browser redirect, callback body, or payment screen is not by itself proof that an order has been paid. If confirmation is delayed, do not pay again; keep the payment reference and contact support.

A cart may contain several eligible items for convenience, but checkout is completed one item at a time. Each item receives its own order and payment reference, keeping its delivery, support, dispute, and refund record separate. Stock can change before payment, so the final checkout quantity and amount may be adjusted or the item may be removed if the requested quantity is no longer available.

6. Delivery confirmation and vendor earnings

After payment, the order moves through the delivery states shown in the application. The buyer should inspect the goods without unnecessary delay and confirm receipt only when the order has arrived as described. A vendor must provide the item and delivery or collection service promised in the listing.

When the buyer confirms receipt, or when an authorised dispute decision resolves the order, the applicable release decision is recorded against that order. The vendor's resulting amount is recorded as an internal earnings balance after disclosed marketplace charges. The earnings balance is an accounting record of completed marketplace sales: it is not a bank account, deposit, interest-bearing account, buyer wallet, or user-to-user transfer facility, and it cannot be used to purchase products.

Settlement to a vendor's verified bank account occurs only through the configured payment-provider process and the order states that permit settlement. Vendors do not manually withdraw from a wallet. A displayed pending or earned amount remains subject to a valid payment reversal, refund, chargeback, fraud review, or provider correction.

7. Acceptance deadline and cancellation

A vendor must accept or cancel a pending order. If the vendor has not accepted the order within three days after creation, Overcast may automatically cancel it, restore stock where possible, and start the refund process. Service outages or a missing payment reference may delay the refund review, but they do not authorise a second payment.

A buyer or vendor may cancel an order when the order state permits cancellation. The application checks the requester's role and the order state, creates an idempotent refund record, and prevents repeated clicks from creating duplicate refunds.

8. Refunds, returns, and disputes

Approved refunds are submitted through the original payment method where the payment service supports that method. Refunds may be full or partial, including a single item from a multi-item checkout. The normal refund flow does not require a buyer to enter a bank account. If the payment service reports that an original-method refund cannot be completed, support may request the minimum information needed through a verified channel to resolve that exception.

A buyer or vendor may report a problem through the order flow with a truthful reason and relevant evidence. Administrators may review order records, payment references, delivery evidence, messages, listing data, account-security events, and provider events. An authorised decision may release an eligible amount, approve a full or partial refund, keep the order under review, or request more evidence.

Overcast coordinates commercial complaints; it is not a court, arbitrator, insurer, or statutory regulator. Nothing in these Terms removes a right or remedy that Nigerian law does not permit a business to exclude.

9. Charges, reversals, and chargebacks

A charge applies only when it is clearly shown before the relevant transaction or feature is confirmed. Any vendor verification or processing charge is shown with its amount, purpose, and timing before it is collected. A provider charge, tax, refund, reversal, chargeback, sanctions review, reserve, bank delay, or correction can change the final status of a transaction.

A buyer must not seek a duplicate recovery by requesting a marketplace refund while also pursuing a chargeback for the same amount without explaining the situation. A vendor must not treat a pending amount as finally settled until the payment and order are cleared.

10. Prohibited conduct and enforcement

Prohibited conduct includes fabricating delivery or receipt, selling an item that does not exist, submitting altered evidence or identity information, manipulating stock, prices, promotions, ratings, disputes, callbacks, or release states, using stolen payment credentials, inducing duplicate refunds, laundering proceeds, probing private data, evading a suspension, or coordinating false reports.

We may remove content, cancel orders, pause a refund, restrict an earnings record, suspend an account, permanently disable access, reverse a release where recovery is available, and report suspected fraud or unlawful conduct to a payment provider, bank, regulator, law-enforcement agency, or other competent authority. We may take temporary protective action while facts are reviewed. You may contact support with a correction or appeal; an appeal does not guarantee restoration.

11. End User Licence

Subject to these Terms, Overcast grants you a limited, revocable, non-exclusive, non-transferable licence to use the application for lawful marketplace activity. You receive no ownership of the application, source code, brand, designs, database, ranking system, or provider integrations.

You must not copy, scrape, frame, reverse engineer, decompile, resell, interfere with security, overload the service, or use automated access except through an interface that Overcast expressly makes available. You keep the rights you have in content you submit, and grant Overcast only the licence needed to host, resize, display, moderate, secure, and deliver that content through the marketplace.

12. Privacy and records

The Privacy Notice explains the personal data we process, why we process it, where it may be shared, how long it is kept, and the rights available to data subjects. Payment, order, refund, dispute, security, fraud, accounting, and support records may be retained for as long as reasonably necessary for the service, legal compliance, provider reconciliation, tax, chargebacks, complaints, security, or legal claims. We delete or anonymise information when the applicable purpose and retention requirement end.

13. Availability, responsibility, and liability

The service depends on hosting, authentication, databases, maps, image delivery, telecommunications, banks, and payment providers. Outages, maintenance, rate limits, network conditions, review queues, regional routing, or provider rule changes may delay the application, delivery, refund, or settlement.

We provide the marketplace with reasonable care and skill. Nothing in these Terms excludes or limits liability, a consumer right, a warranty, or a remedy that cannot lawfully be excluded or limited. You are responsible for losses caused by your unlawful conduct, inaccurate information, misuse of the service, infringement of another person's rights, or breach of these Terms.

14. Changes and contact

We may update these Terms when the service, provider arrangements, charges, security controls, or applicable law changes. The version and effective date will be updated, and renewed acceptance will be requested when required. The acceptance record identifies the version accepted and the time of acceptance. Restrictions, payment records, disputes, intellectual property, privacy, enforcement, and any provision that must survive termination continue after an account is closed.

For support, complaints, payment incidents, or privacy requests, contact Overcastsupport@getovercast.app. Include an order ID or payment reference, but never include a password, transaction PIN, provider secret, or complete identity number.