LUXA ECOSYSTEM TERMS OF SERVICE

LUXA operates a technology-enabled ecosystem designed to connect customers, vendors, service providers, manufacturers, logistics operators, institutions, and other participants through digital platforms and physical fulfilment services.

Depending on the service being used, LUXA may provide technology, marketplace infrastructure, verification, customization tools, order management, payment processing, logistics coordination, production coordination, customer support, or other related services.

These Terms apply across the LUXA ecosystem, although specific services may have additional rules, specifications, pricing, policies, or requirements.

LUXA is organized around multiple service pillars, including:

LUXA E-COMMERCE™

LUXA E-Commerce provides marketplace and commerce-related services through which customers may discover, purchase, receive, inspect, and interact with products offered through participating vendors.

LUXA CAMPUS™

LUXA Campus is a university-focused ecosystem bringing multiple everyday services into one digital environment.

Depending on the participating university and services available, LUXA Campus may include:

• LUXA Crave™ — food ordering and delivery;
• LUXA Errand™ — errands, tasks, pickup, delivery, and assistance;
• LUXA Prints™ — printing and document-related services;
• campus commerce and marketplace services;
• campus logistics and delivery;
• pickup and location-based services;
• student and university-community services; and
• other university-focused services introduced by LUXA.

Not every service will necessarily be available at every university.

LUXA MERCH™

LUXA Merch provides tools and services for the customization and production of physical products, including books, journals, jotters, jerseys, hoodies, souvenirs, branded materials, event merchandise, and other customizable products.

Customers may use LUXA Merch independently through available self-service customization tools or may request customization/design assistance where such assistance is offered.

You must meet any age, legal, institutional, or other eligibility requirements applicable to the specific LUXA service you are using.

Certain services may impose additional requirements due to their nature, location, institutional rules, payment requirements, production requirements, or applicable law.

Where a user is below the legally required age to independently enter into a particular transaction, a parent, guardian, or other legally authorized person may be required to participate.

Certain LUXA services may require you to create an account.

You agree to:

• provide accurate and current information;
• maintain the security of your account credentials;
• keep your information updated;
• not impersonate another person or entity;
• not create accounts for fraudulent purposes; and
• notify LUXA of unauthorized access where reasonably possible.

You are responsible for activity carried out through your account, subject to applicable law.

You agree to use LUXA services lawfully and in accordance with these Terms.

You must not use LUXA to:

• violate applicable laws or regulations;
• engage in fraud or deception;
• infringe another person's rights;
• submit unlawful, harmful, or prohibited content;
• interfere with the operation of LUXA systems;
• misuse payment systems;
• manipulate orders, reviews, promotions, or referrals;
• circumvent LUXA's security or verification systems; or
• conduct transactions outside the applicable LUXA process for the purpose of avoiding applicable fees, protections, verification, or platform rules.

LUXA may restrict or discontinue access to services where reasonably necessary to protect users, vendors, service providers, the platform, or the integrity of the ecosystem.

Certain LUXA services may involve independent third-party vendors or service providers.

These may include, depending on the applicable service:

• restaurants and food vendors;
• printers;
• manufacturers;
• designers;
• logistics operators;
• delivery personnel;
• event service providers;
• campus service providers; and
• other participating businesses or individuals.

LUXA may facilitate the relationship, technology, payment, order management, verification, logistics, or communication between the parties.

Where a third party is responsible for preparing, manufacturing, printing, delivering, or otherwise fulfilling an order, the applicable responsibility may depend on the nature of that service and the terms communicated at the time of the transaction.

Products available through LUXA E-Commerce may be supplied by participating vendors.

Product information may include descriptions, specifications, images, prices, availability, dimensions, materials, and other information supplied or verified through the applicable LUXA process.

LUXA aims to provide accurate information but cannot guarantee that every vendor-supplied detail will remain unchanged at all times.

Where applicable, LUXA may verify products or product information before or during listing.

Certain products may also receive 3D visualization or other digital representations.

A 3D representation is intended to assist customers in understanding the product and does not necessarily constitute a guarantee that every physical characteristic will appear identical on every device or under every viewing condition.

An order submitted through LUXA constitutes a request to purchase the applicable product or service.

Acceptance of an order may depend on:

• product availability;
• vendor confirmation;
• payment confirmation;
• customization requirements;
• production capacity;
• location;
• logistics availability; or
• other applicable conditions.

LUXA may communicate acceptance, rejection, modification, or cancellation of an order where necessary.

Prices displayed through LUXA are intended to represent the applicable price at the time of purchase.

Additional costs may apply where clearly communicated, including applicable:

• delivery charges;
• customization charges;
• special-location charges;
• production charges;
• revision charges;
• taxes or statutory charges; or
• other service-specific fees.

Payment methods may vary by service.

Zero Customer Deposits: LUXA operates strictly on an order-driven checkout standard. Customers do not maintain stored-value accounts, prepaid liquid balances, or open custodial deposit facilities on the platform. All customer transactions are processed per order at the point of checkout for the exact cart total via licensed payment gateways (including Paystack).

Buyer Protection Architecture: Payments authorized by buyers are held under LUXA's merchant Buyer Protection framework within corporate operating accounts. Funds remain securely allocated to the active fulfillment lifecycle until the order is successfully confirmed as delivered or collected.

Automated Source-to-Source Refunds: In the event of an order cancellation, out-of-stock event, or verified dispute resolution in favor of the customer, refunds are executed programmatically via the payment processor directly back to the customer's original funding instrument (debit card, USSD account, or bank account). LUXA does not accept or store personal bank account details from buyers for manual cash refunds.

Partner Settlement & Accounts Payable: Fulfillment partners—including food vendors, retail butteries, student couriers, and freelance designers—operate under milestone-driven accounts payable ledgers. Net receivables (sales proceeds less platform commission or earned contractor delivery/design fees) are credited upon verified fulfillment and disbursed strictly to pre-registered, verified KYC bank accounts in accordance with scheduled settlement cycles.

Delivery times may depend on:

• product availability;
• vendor processing;
• production requirements;
• customer location;
• logistics availability;
• order volume;
• weather;
• traffic;
• public holidays;
• events; and
• other circumstances beyond LUXA's reasonable control.

Estimated delivery times are estimates unless expressly stated otherwise.

Where inspection is part of the applicable LUXA service, LUXA or an authorized party may conduct checks before dispatch, pickup, or delivery.

The scope of inspection depends on the service and product involved.

If a customer receives a product that materially differs from the agreed order, the customer should report the issue within the applicable period communicated for that service.

LUXA may review available evidence, including order details, photographs, inspection records, vendor information, and communications.

Where appropriate, LUXA may facilitate a replacement, correction, refund, credit, or other resolution, subject to applicable law and the circumstances of the transaction.

Customers are responsible for:

• providing accurate delivery information;
• reviewing order details;
• selecting appropriate product specifications;
• providing required information or materials;
• making required payments; and
• promptly reporting relevant problems.

Participating vendors are expected to provide accurate information, fulfil accepted orders according to applicable specifications, comply with applicable laws, and meet LUXA's operational requirements.

LUXA may suspend or restrict vendors that fail to meet applicable standards.

LUXA Campus provides a collection of university-focused services through a common digital environment.

The exact services available may vary by university, location, institutional arrangement, and operational capacity.

LUXA Crave enables users to order food and related products from participating food vendors.

Food preparation is generally performed by the applicable food vendor.

Users are responsible for providing accurate order, delivery, and relevant dietary information.

LUXA may facilitate ordering, payment, communication, and delivery but does not necessarily prepare the food itself.

Food orders are subject to vendor availability, preparation time, operating hours, location, and delivery conditions.

Estimated delivery times may change because of preparation time, traffic, weather, order volume, or other circumstances.

LUXA Errand may facilitate requests for errands, tasks, pickup, delivery, assistance, or other permitted activities.

Certain requests may be refused where they involve unlawful, prohibited, unsafe, restricted, or licensed activities that cannot appropriately be performed through the service.

Users must provide accurate instructions and information necessary for an errand.

Users must not knowingly request activities that would place an operator, courier, service provider, or other person at unreasonable risk.

LUXA Prints may provide printing, photocopying, scanning, binding, formatting, document preparation, and related services through participating service providers.

The availability, quality, production time, and pricing of these services may vary depending on the provider and requested specification.

LUXA Campus may also provide commerce and marketplace services within participating university communities.

Such transactions may involve student sellers, vendors, university-related businesses, service providers, or other approved participants.

Applicable E-Commerce provisions may also apply to these transactions.

LUXA Campus may provide or facilitate logistics, pickup, delivery, location-based services, and other university-focused services.

The availability and operational rules for each service may differ according to the participating university and local operating conditions.

LUXA Merch provides customers with tools and services for creating and producing customized physical products.

Customers may choose to complete their designs themselves using available LUXA customization tools.

Depending on the product, the customer may be able to:

• select a product;
• select available sizes, materials, formats, or configurations;
• upload artwork;
• add text;
• position design elements;
• modify available options;
• preview the design;
• inspect the product using 3D visualization where available; and
• submit the completed design for production.

Customers who use LUXA's self-service customization tools are responsible for ensuring that their submitted design is correct before production.

This includes checking:

• spelling and text;
• images and artwork;
• positioning;
• colours where applicable;
• dimensions;
• product specifications;
• quantities;
• personalization details; and
• other information displayed during the ordering process.

Once production has commenced, changes may not be possible or may result in additional costs.

Where available, customers may request design or customization assistance from LUXA or an approved service provider.

Assistance is an optional service and does not replace the customer's responsibility to review and approve the final design.

The applicable assisted-design service may include a defined number of:

• design review rounds;
• revisions;
• modifications;
• correction requests; or
• other forms of assistance.

The applicable limits may be communicated before or during the order process.

Where a customer requests changes beyond the stated number of permitted review or revision rounds, LUXA or the applicable service provider may charge an additional fee, decline further revisions, or require the customer to complete the remaining changes independently where the applicable tools permit this.

Before production begins, customers may be required to approve the final design and specifications.

Customers are responsible for carefully reviewing the final design before approval.

Approval may constitute confirmation that the customer has reviewed the submitted specifications and authorizes production.

LUXA is not responsible for customer-approved errors that were clearly displayed or reasonably identifiable before production, except where applicable law provides otherwise.

Where available, LUXA may provide a 3D preview of a customized product.

The purpose of the 3D preview is to allow the customer to inspect aspects of the proposed product, including where applicable:

• front;
• back;
• spine;
• overall proportions;
• placement of design elements; and
• other visible characteristics.

3D previews are visualization tools and may not perfectly reproduce every physical characteristic, material texture, colour, finish, or manufacturing tolerance.

Customized products are produced according to the applicable specifications communicated during the order process.

Specifications may include:

• product type;
• dimensions;
• materials;
• page or leaf count;
• printing format;
• cover type;
• finishing;
• quantity;
• packaging;
• production location; and
• delivery location.

Certain products may have minimum order quantities or restricted configurations.

Production timelines may vary according to:

• product type;
• quantity;
• customization complexity;
• material availability;
• production capacity;
• customer location;
• vendor capacity; and
• other operational factors.

Any stated production period should be treated as an estimate unless expressly guaranteed.

Customers requesting delivery or production arrangements outside standard service locations may be subject to additional terms, pricing, negotiation, or manual processing.

LUXA may decline requests where appropriate production or logistics arrangements cannot reasonably be established.

Because customized products are produced according to customer-specific specifications, cancellation, modification, return, or refund conditions may differ from those applicable to standard products.

Where production has already commenced, cancellation or modification may be restricted to the extent permitted by applicable law.

Nothing in these Terms removes rights that cannot lawfully be excluded.

Customers are responsible for ensuring that artwork, photographs, logos, text, designs, trademarks, and other materials submitted to LUXA may lawfully be used for the requested production.

Customers must not submit content that infringes another person's intellectual property rights or violates applicable law.

By submitting content for the purpose of fulfilling an order, the customer grants LUXA and relevant service providers a limited, non-exclusive permission to use, reproduce, process, modify as technically necessary, and transmit that content solely as reasonably required to provide the requested service.

LUXA does not acquire ownership of customer-owned intellectual property merely because the customer submits it for production.

Customers may be permitted to submit reviews, ratings, comments, or feedback.

Such submissions must be truthful and must not contain unlawful, defamatory, abusive, fraudulent, or infringing content.

LUXA may remove content that violates applicable rules or law.

LUXA may communicate with users regarding:

• orders;
• payments;
• deliveries;
• production;
• account activity;
• service updates;
• support requests;
• security;
• important changes to services; and
• other matters reasonably connected to the user's use of LUXA.

LUXA's trademarks, logos, software, interfaces, designs, 3D models, graphics, systems, content, databases, documentation, and other proprietary materials belong to LUXA or their respective owners and may not be used without appropriate authorization.

Customers and third parties retain ownership of intellectual property they lawfully own.

Nothing in these Terms transfers ownership of such intellectual property to LUXA unless expressly agreed otherwise.

LUXA may collect and process personal information necessary to operate its services, including information required for:

• account creation;
• order processing;
• payment;
• production;
• customer support;
• delivery;
• verification;
• fraud prevention;
• security; and
• service improvement.

Processing will be carried out in accordance with applicable data-protection law and LUXA's applicable Privacy Policy.

Users may have rights concerning their personal data under applicable law.

The scope and method for exercising such rights may be described in LUXA's Privacy Policy or through applicable legal channels.

LUXA aims to provide reliable services but does not guarantee that every service will always be available, uninterrupted, error-free, or suitable for every particular purpose.

Where services are performed by independent third-party vendors or service providers, LUXA's responsibility may depend on the nature of the service, the applicable arrangement, and the extent of LUXA's role.

LUXA will not be responsible for delays or failures caused by circumstances reasonably outside its control, including natural disasters, severe weather, government actions, public emergencies, infrastructure failures, major network disruptions, industrial action, or other comparable circumstances.

To the fullest extent permitted by applicable law, LUXA will not be liable for indirect, incidental, special, consequential, or unforeseeable losses arising from use of its services.

Where legally permitted, LUXA's total liability in relation to a specific transaction may be limited to the amount paid by the customer for the affected transaction.

This limitation does not apply to liability that cannot lawfully be excluded or restricted.

Nothing in these Terms is intended to exclude, restrict, or waive any consumer, statutory, contractual, or other legal right that applicable law does not permit LUXA to exclude, restrict, or waive.

LUXA may suspend or restrict access to an account or service where reasonably necessary, including where there is suspected:

• fraud;
• abuse;
• security risk;
• unlawful activity;
• payment misuse;
• violation of these Terms; or
• conduct that threatens the integrity of the LUXA ecosystem.

A user may stop using LUXA at any time, subject to outstanding orders, payments, obligations, or other matters that survive termination.

LUXA may terminate or discontinue services where reasonably necessary and subject to applicable law.

Where a dispute arises, users are encouraged to contact LUXA first so that the matter can be reviewed and, where appropriate, resolved internally.

Customers should provide relevant order details and evidence where necessary.

Where appropriate and legally permitted, disputes may be referred to negotiation, mediation, arbitration, regulatory processes, or competent courts.

The applicable process may depend on the nature of the dispute and the rights available under Nigerian law.

Nothing in these Terms prevents a user from exercising a mandatory statutory or regulatory right.

These Terms are governed by the laws of the Federal Republic of Nigeria, subject to any mandatory rights or legal requirements applicable to the relevant transaction.

LUXA may update these Terms from time to time to reflect changes to its services, technology, operations, business structure, or legal requirements.

Where appropriate, material changes may be communicated through the LUXA platform or other reasonable means.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

These Terms, together with applicable service-specific terms, policies, order conditions, and other documents expressly incorporated into them, constitute the applicable agreement between the user and LUXA regarding the use of the relevant services.

Users may not transfer their rights or obligations under these Terms without LUXA's prior consent where such consent is legally required.

LUXA may assign or transfer its rights and obligations where permitted by law.

For inquiries, notices, or support concerning these Terms of Service, contact the operating entity:

Marketplace and commerce services.

University ecosystem services, including where available:

• LUXA Crave™
• LUXA Errand™
• LUXA Prints™
• campus commerce
• campus logistics
• pickup and delivery
• student and university-community services
• other university-focused services.

Self-service customization, optional design/customization assistance, 3D product visualization where available, custom manufacturing, and related production services.

These Referral and Creator Affiliate Partner Terms (“Partner Terms”) govern your enrollment, participation, and conduct within the LUXA Referral Program and the LUXA Creator Affiliate Program (collectively, the “Partner Programs”). By registering as a referrer or creator affiliate, clicking “I Agree”, or sharing a LUXA referral link, you enter into a legally binding agreement with LUXA E-COMMERCE ECOSYSTEMS LIMITED.

61.1 Independent Promotional Partner Status

Participation in the Partner Programs establishes an independent contractor relationship. You are an independent promotional partner and not an employee, agent, joint venturer, or legal representative of LUXA. You have no authority to bind LUXA, make representations on our behalf, or incur liabilities in our name. You are solely responsible for compliance with applicable local taxes, income reporting, and statutory obligations arising from referral earnings or affiliate commissions.

61.2 Direct Closed-Loop Bank Settlement & Payout Mechanics

In alignment with revised Central Bank regulations and LUXA’s Order-Driven Financial Architecture, LUXA does not operate arbitrary, non-regulated stored-value wallets for promotional earnings. Accordingly:

• Mandatory NUBAN Verification: All participating partners must link a verified Nigerian Uniform Bank Account Number (NUBAN) registered in their legal name prior to link generation or reward distribution.
• Direct-to-Bank Disbursement: Referral rewards and verified creator commissions are initiated directly to the partner’s linked bank account via licensed payment switches (such as Paystack / NIBSS).
• Receipts & Audit Trail: A verifiable transaction record is generated and permanently accessible in the partner’s dashboard ledger for transparency and tax records.
• Zero Stored Balance: Partner earnings bypass arbitrary wallet holding tanks and transfer directly to the recipient’s commercial bank account.

61.3 Qualifying Orders, Attribution & Commission Calculation

Commissions and referral cash rewards accrue solely on Qualifying Orders:

• A Qualifying Order is a genuine, successfully paid, and delivered order placed on the LUXA platform by a distinct third-party customer who accessed the platform via your valid referral tracking link or entered your unique code.
• Commissions are calculated strictly on the merchandise subtotal (customization and blanks) and explicitly exclude logistics, shipping, waybill costs, value-added taxes, or promotional discounts.
• Orders that are cancelled, refunded, chargebacked, or determined to be fraudulent shall not accrue rewards. In the event of a post-payout refund or cancellation, LUXA reserves the right to claw back or debit equivalent sums against future disbursements.

61.4 Strict Prohibition of Self-Referrals, Sybil Attacks & Fraudulent Traffic

LUXA maintains a zero-tolerance policy against fraudulent, synthetic, or abusive practices. You explicitly agree not to engage in:

• Self-Referral: Registering alternate accounts, secondary email addresses, synthetic profiles, or using personal credit/debit cards to purchase through your own referral or affiliate link.
• Collusion & Device Cloaking: Utilizing proxy networks, VPNs, device spoofing, or cooperating with third parties to generate fictitious order volume.
• Spam & Unsolicited Communication: Distributing referral links via automated spam, unauthorized mass messaging, unsolicited direct messages, or deceptive redirects.
• Trademark Bidding & Brand Impersonation: Purchasing paid search advertisements (Google Ads, Meta Ads) targeting LUXA brand keywords or impersonating official LUXA social handles.

61.5 Investigation, Forfeiture, and Termination

LUXA reserves the absolute right to monitor traffic, audit attribution logs, and withhold payouts pending investigation of suspicious activity. Any violation of these Partner Terms results in immediate revocation of partner privileges, cancellation of pending payouts, forfeiture of unremitted earnings, and potential legal action where financial fraud has occurred. LUXA may amend or discontinue the Partner Programs at any time upon notice via platform publication.