Terms of Service

3.1 Account Creation

Certain Platform features require account registration. You must provide accurate registration details and keep them updated. The Platform accommodates the following account types, each subject to its dedicated Terms of Use:

• Event Host — an individual or entity hosting a personal, social, or corporate event;
• Event Planner — a professional or entity managing or coordinating events on behalf of Hosts; and
• Merchant or Vendor — these are distinct categories. A Merchant is an entity that sells physical gifts, products, or souvenirs through the Platform. A Vendor is a service-based provider (such as a caterer, decorator, or photographer) who offers bookable services through the Platform. The obligations applicable to each are separately set out in their respective Terms of Use.

A single user may hold more than one account type, subject to compliance with all applicable terms.

3.2 Account Security

You are solely responsible for safeguarding your login credentials and all activity under your account. Notify us immediately at support@peabuk.com of any unauthorised access. Peabuk shall not be liable for loss arising from your failure to maintain account security. Each account belongs solely to the individual or business entity that registered it. Accounts may not be transferred, sold, assigned, or otherwise disposed of to any third party without Peabuk's prior written consent. Any purported transfer without such consent is void.

6.1 Platform Fees

Peabuk charges fees for certain services, including subscription plans, marketplace commissions, and promotional placements, as set out in the applicable fee schedule published on the Platform from time to time. All fees are displayed in the subscriber's local currency where supported, with foreign exchange conversion applied at prevailing market rates where necessary. Peabuk reserves the right to revise its fee structure at any time, with notice provided in accordance with these Terms. Users are responsible for all bank charges, transfer fees, and other financial institution charges incurred in connection with Platform transactions. Promotional and advertising fees are generally non-refundable once activated and the relevant promotion has commenced. Failure to successfully process a payment for a paid service may result in the suspension or downgrade of that service until payment is received.

6.2 Peabuk Is Not a Bank or Financial Institution

PEABUK IS NOT A BANK, PAYMENT SERVICE PROVIDER, OR FINANCIAL INSTITUTION and is not regulated as such. Payment processing on the Platform is performed by licensed third-party payment service providers operating under applicable financial services regulations. By transacting on the Platform, you also agree to the terms and conditions of the relevant payment processor. Peabuk does not hold user funds in a fiduciary capacity. Funds held in connection with Platform transactions are not insured by any government deposit protection scheme. Peabuk is not liable for losses arising from the failure of any payment processor, bank, or financial institution.

6.3 Fraud Review and Payment Delays

Peabuk reserves the right to conduct fraud review processes that may delay the processing or release of payments. Where a transaction is flagged for review, Peabuk will notify the affected User and endeavour to resolve the review promptly. Peabuk shall not be liable for losses arising from payment delays caused by fraud review, third-party processor delays, or regulatory holds.

6.4 Foreign Exchange

Where transactions are processed in currencies other than the currency of the User's account or the Platform's primary settlement currency, foreign exchange conversion rates and applicable charges will apply. Exchange rates fluctuate and Peabuk does not guarantee any particular rate. Users are responsible for any foreign exchange risk arising from multi-currency transactions.

6.5 Tax Responsibilities

Each User is solely and independently responsible for determining and fulfilling their own tax obligations arising from their use of the Platform, including but not limited to Value Added Tax (VAT), withholding tax, Pay-As-You-Earn (PAYE), and other statutory deductions. Peabuk does not withhold, collect, or remit taxes on behalf of any User except as expressly required by applicable law. Users are solely responsible for issuing invoices, filing tax returns, and maintaining records in compliance with applicable Nigerian tax law and the laws of any other jurisdiction in which they operate.

6.6 Third-Party Payment Integration Disclaimer

The Platform integrates with third-party payment processors and service providers to facilitate transactions and communications. Peabuk shall not be liable for failures of third-party payment systems, email bounce-backs, SMS delivery failures, failed payment notifications, or any other disruption caused by a third-party integration. Such failures do not constitute a breach by Peabuk of these Terms.

8.1 User Content

Users may submit content on the Platform, including listings, reviews, photographs, and communications. You retain ownership of your content but grant Peabuk a non-exclusive, royalty-free, worldwide licence to use, display, reproduce, and distribute it for the purposes of operating and improving the Platform.

8.2 Content Standards

All content must comply with applicable law (including the laws of the User's jurisdiction, not solely Nigerian law where the User is not based in Nigeria) and must not contain material that is unlawful, defamatory, obscene, fraudulent, misleading, harassing, or that infringes any third-party rights.

8.3 Monitoring, Scanning, and Enforcement

BY USING THE PLATFORM, YOU ACKNOWLEDGE AND CONSENT TO THE FOLLOWING. Peabuk reserves the right, but is not obligated, to monitor, scan, review, retain, and disclose any content, communication, listing, message, booking discussion, or uploaded material transmitted through or stored on the Platform for the purposes of:

• investigating suspected fraud, abuse, scams, or unlawful activity;
• resolving disputes between Users;
• detecting and preventing spam, harassment, or policy violations;
• complying with legal or regulatory obligations, including responding to valid law enforcement requests; and
• protecting the safety, security, and integrity of the Platform and its Users.

Peabuk's monitoring activities are conducted in accordance with its Privacy Policy. The existence of a monitoring capability does not create any obligation on Peabuk to identify or act upon every instance of non-compliant content.

8.4 Content Moderation and Removal

Peabuk reserves the right, at its sole discretion and without prior notice, to remove, restrict, suspend, edit, disable access to, or refuse to publish any content, listing, communication, review, registry, product, event, or account where Peabuk reasonably believes such action is necessary to:

• enforce these Terms or Platform Policies;
• investigate suspected fraud, abuse, or unlawful activity;
• protect the safety, integrity, reputation, or security of the Platform or its Users;
• comply with legal or regulatory obligations;
• respond to complaints or intellectual property claims; or
• prevent harm to Peabuk, its Users, or third parties.

Peabuk shall not be liable for any loss arising from such moderation actions. The dispute framework set out in Clause 10 is available to Users who wish to challenge a moderation decision.

8.5 Harassment and Abuse Policy

Peabuk operates a zero-tolerance policy against harassment, threatening conduct, and abuse directed at any User, third party, or Peabuk personnel, whether through the Platform's messaging tools, public reviews, or any other communication channel. Any User found to have engaged in harassment or abusive conduct will be subject to immediate account suspension and may be reported to relevant law enforcement authorities.

8.6 Automated Monitoring and AI-Assisted Enforcement

Peabuk may deploy automated systems, machine learning tools, and artificial intelligence technologies to assist in detecting fraud, spam, policy violations, abusive content, and suspicious account activity. Such automated tools may result in content being flagged, delayed, or removed and accounts being suspended pending human review. Peabuk will endeavour to conduct human review of material automated decisions. The use of automated systems does not limit Peabuk's broader moderation rights under Clause 8.4.

10.1 Internal Platform Mechanism

All disputes between Users should first be submitted through Peabuk's Resolution Centre, accessible from the User's account dashboard. The complaining User must initiate a dispute within thirty (30) days of the incident, providing full details and supporting evidence. The respondent will be given seven (7) Business Days to respond. Peabuk reserves the right to decline to investigate or determine a dispute where: (a) the complaint is submitted outside the thirty (30) day timeframe prescribed above; (b) the supporting evidence provided is insufficient to establish the basis of the complaint; or (c) the complaint is, in Peabuk's reasonable assessment, frivolous, vexatious, or made in bad faith.

10.2 Resolution Team Review

Peabuk's Resolution Team will assess all submissions and issue a decision within fourteen (14) Business Days. The Resolution Team is empowered to:

• issue refunds to the complaining party;
• release or withhold pending payouts;
• issue formal warnings;
• temporarily suspend or permanently remove the account of any User found to have breached these Terms; and
• refer the matter to mediation or arbitration where appropriate.

Where the Resolution Team determines that a User has engaged in fraud, repeated violations, or conduct harmful to the Platform or other Users, that User's account shall be terminated and the matter may be referred to the Nigerian Police Force, the Federal Competition and Consumer Protection Commission (FCCPC), or other relevant regulatory bodies.

10.3 Escalation to Mediation

Where a User is dissatisfied with the Resolution Team's decision, either party may request mediation before a mutually agreed mediator. Mediation costs are borne equally unless otherwise agreed.

10.4 Arbitration

Any dispute not resolved through mediation within thirty (30) days shall be finally determined by binding arbitration administered by the Lagos Court of Arbitration under its then-current Arbitration Rules. The seat of arbitration shall be Lagos. The language shall be English. The arbitral award shall be final and binding.

10.5 Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Nigeria. Either party may seek urgent interim relief from the Nigerian courts without prejudice to the arbitration clause.