1. Eligibility and Registration

To use our Services, you must:

• Be at least 18 years old
• Have the legal authority to enter into these Terms
• Provide accurate, complete, and up-to-date registration information

You are responsible for maintaining the confidentiality of your account and login details.

2. Use of Platform

CrayonFMCG connects:

• Suppliers/producers to verified buyers and exporters
• Users to financial services like escrow, payment gateways, and bank integrations
• Agricultural cooperatives and processors to global markets

You agree to use the platform only for lawful purposes and in a manner consistent with all applicable laws and regulations.

3. Account Responsibilities

As a user, you agree:

• Not to impersonate anyone or use false identity
• Not to misuse the platform for fraud, scams, or illegal trade
• To keep your contact and banking information accurate
• To comply with our verification and due diligence procedures

4. Financial Transactions and Escrow Services

Payments made for exports or transactions on the platform may be held in escrow until all conditions are met. CrayonFMCG partners with regulated financial institutions for these services.

You acknowledge that:

• Transaction fees may apply (disclosed before final payment)
• Payment processing is subject to partner bank regulations and timelines
• CrayonFMCG is not liable for delays caused by third-party financial institutions

5. User Generated Content

Users may upload farm data, product information, certifications, and business records. You retain ownership of your content but grant CrayonFMCG a license to use, store, and display it as needed to facilitate transactions and verification.

6. Prohibited Activities

You may not:

• Use bots, crawlers, or scraping tools on the site
• Upload false documents or misrepresent produce quality
• Distribute harmful software, viruses, or unauthorized advertising
• Interfere with the integrity or performance of the Services

7. Mobile Devices and Sponsored Services

CrayonFMCG may provide mobile devices or tools to verified supplier. These devices remain the property of CrayonFMCG unless stated otherwise. Misuse, resale, or unauthorized transfer of the devices may result in termination of account and legal action.

8. Data Privacy

Your data is processed in accordance with our Privacy Policy. We may share limited data with partners for services such as escrow, payments, logistics, and identity verification.

9. Limitation of Liability

CrayonFMCG is not liable for:

• Losses incurred due to inaccurate user information
• Disruptions caused by third-party services (e.g., banks, logistics)
• Market fluctuations or price differences
• Delays in product delivery or customs-related issues

Use of the platform is at your own risk. We provide services on an "as is" and "as available" basis.

10. Termination

CrayonFMCG reserves the right to:

• Suspend or terminate your account for breach of these Terms
• Remove or restrict access to content
• Modify or discontinue the Services at any time with notice

11. Intellectual Property

All platform content (logos, text, design, software) is the property of CrayonFMCG or licensed third parties. You may not copy, distribute, or reverse-engineer any part of the platform without express permission.

12. Dispute Resolution

In case of any dispute:

• Parties agree to first resolve the matter amicably
• If unresolved, disputes shall be referred to arbitration under Nigerian law
• Arbitration will take place in Lagos, Nigeria

13. Modifications to the Terms

We may update these Terms occasionally. Continued use of the platform after such updates indicates your acceptance of the changes.

14. Contact Us

If you have questions about these Terms, reach out to: