Refund Policy

2.1 Event Planners and Vendors — Subscription Cancellations

Subscription fees paid by Event Planners and Vendors for access to Peabuk's platform tools are refundable only in the following circumstances:

• Cancellation within forty-eight (48) hours of the initial subscription commencement date, where no platform services have been materially used — full refund;
• Cancellation before the next billing renewal date — no refund for the current billing period; access continues until the end of the paid period; and
• Where Peabuk discontinues a subscription tier or materially reduces its features, a pro-rata refund of the unused portion will be issued.

All other subscription fees are non-refundable. Subscription plans auto-renew unless cancelled in accordance with the cancellation procedure on the Platform before the renewal date.

2.2 Platform Transaction and Listing Fees

Transaction service charges and listing fees are non-refundable, except where a material technical error on Peabuk's part caused a duplicate or erroneous charge, in which case a refund will be processed within ten (10) Business Days of verification.

3.1 Planner-Determined Refund Policy

Each Event Planner listed on the Platform is required to maintain and prominently display their own cancellation and refund policy on their profile page, which guests and Hosts may review prior to engagement. That policy governs refunds for the Planner's services.

3.2 Minimum Peabuk Cancellation Framework

Where an Event Planner has not published a specific refund policy, or where their policy is silent on a particular circumstance, the following minimum framework applies:

• Cancellation more than sixty (60) days before the event date: full refund of amounts paid to the Planner, less applicable Peabuk platform fees;
• Cancellation between thirty (30) and sixty (60) days before the event date: fifty per cent (50%) refund of amounts paid to the Planner, less applicable Peabuk platform fees; and
• Cancellation fewer than thirty (30) days before the event date: no refund, unless the Planner consents or force majeure provisions apply under Clause 8 below.

3.3 Impact on Peabuk Commission and Service Fees

Where a refund of a Planner payment is approved, Peabuk's commission and service fees collected on the original transaction will be refunded proportionally to the extent that the Planner refund reduces the net transaction value. Peabuk's platform fee (subscription component) is not refundable in these circumstances.

4.1 Vendor-Determined Refund Policy

Each Vendor offering bookable services through the Platform (including caterers, decorators, photographers, and similar service providers) must maintain and display their own cancellation and refund policy on their Platform profile. Users are advised to review the Vendor's policy carefully before confirming a booking.

4.2 Minimum Standards

Regardless of a Vendor's individual policy, Peabuk requires all Vendors to provide a refund where:

• the Vendor cancels the booking without the Host's consent;
• the Vendor fails to appear or perform on the event date without reasonable justification; or
• the services delivered are materially different from the agreed description.

Refund requests under this Clause must be submitted through the Platform's Resolution Centre within seven (7) days of the booking date or non-performance.

4.3 Impact on Peabuk Fees

Where a Vendor service booking refund is approved following a dispute determination, Peabuk will refund its commission on the transaction. Vendor platform fees (subscriptions) are not refundable.

5.1 Merchant-Determined Returns Policy

Each Merchant selling physical products through the Platform's marketplace or registry must publish a returns and refund policy on their storefront, which must comply with Nigerian consumer protection law. Users must review the Merchant's policy before purchasing.

5.2 Minimum Refund Standards — Physical Goods

Notwithstanding a Merchant's individual policy, Peabuk requires all Merchants to accept returns and process refunds where:

• the item received is materially different from its listing description;
• the item arrives damaged, defective, or otherwise unfit for its stated purpose; or
• the item was not delivered within the stated timeframe and no satisfactory update is provided.

Refund requests must be submitted through the Platform's Resolution Centre within seven (7) days of delivery or the expected delivery date in cases of non-delivery.

5.3 Cash Gifts and Digital Registry Credits

Where a guest contributes a cash gift through the Platform's registry:

• cash gift contributions are non-refundable once accepted by the Event Host or credited to the registry;
• where a technical failure prevents a cash gift from being properly credited, and this is verified by Peabuk, a refund will be processed to the contributing guest's original payment method within ten (10) Business Days; and
• Peabuk is not liable for fraudulent claims made against cash gift registries by third parties impersonating Event Hosts. Users are advised to exercise caution and to report suspected fraud immediately to support@peabuk.com.

5.4 Payout Clawback

Where a refund is approved in a buyer's favour following a dispute determination, Peabuk reserves the right to deduct the refunded amount from any pending or future payouts to the Merchant. Where no such funds are available, the Merchant shall repay the refunded sum within fourteen (14) days of written demand.

5.5 Impact on Peabuk Commission

Where a product purchase refund is approved, Peabuk's commission on the transaction will be refunded in proportion to the approved refund amount.