A1 Buyers
Buyers on Nexo are entitled to browse, purchase, track, review, and dispute
orders placed through Nexo's own checkout. Buyer protection refunds,
compensation tiers, and dispute resolution applies only to purchases completed on-platform,
where a real order record exists in Nexo's database.
Transactions arranged off-platform
If a buyer contacts a seller directly (for example,
via Sellers WhatsApp) and completes a purchase outside of Nexo's checkout, that transaction has no
record in Nexo's database. It is considered null and void for the purposes of
any complaint. Reporting the seller for an off-platform transaction will not result in account
action against them, because there is no platform order to investigate or act on. Nexo strongly
advises that all purchases be completed through Nexo checkout this is the only way your
purchase is protected.
Buyers may not: use the platform for fraudulent payment attempts, abuse the
dispute or Pay-on-Delivery systems, create multiple accounts to evade a ban, or attempt to
circumvent seller categories, pricing, or platform fees.
A2 Sellers
Sellers are responsible for accurate product listings, fulfilling orders they
accept, honoring the return windows applicable to their product category, and responding to any
dispute within the 48-hour window given.
Store tiers (one-time purchase, no renewal)
| Tier | Price | Categories |
|---|
| Basic | ₦50,000 | 1 category |
| Standard | ₦80,000 | Up to 3 categories |
| Pro | ₦100,000 | Unlimited categories |
Store tiers are a one-time purchase and never expire. Upgrading to a higher
tier always charges the full price of the new tier tiers do not stack, do not prorate, and any
amount already paid does not count toward the next tier.
Commission
Nexo charges no commission on a seller's first ₦500,000 of revenue in a given
month. On any revenue above ₦500,000 in that month, a flat 5% commission applies to the excess
only never to the full amount.
Enforcement
Sellers who violate platform rules are subject to a strike ladder: a warning,
a forced refund with a strike recorded, store suspension, and permanent account deletion, in
escalating order depending on severity and repetition. Nexo's admin retains full discretion at
every stage an offense may be met with a warning, a suspension, or immediate permanent deletion,
depending on its severity, and admin is never obligated to proceed through every stage in order.
Permanent account deletion
A store suspended for six months without a
successful reinstatement is automatically and permanently deleted. Whether triggered
automatically or by direct admin action, permanent deletion removes the seller's entire account
the store, all product listings, and all associated images completely and irreversibly.
Past order records belonging to buyers who purchased from that store are retained for legal,
audit, and dispute purposes, with the seller's personal account otherwise fully removed.
A3 Platform-Wide Rules
All users buyers, sellers, and guests agree not to: attempt to defraud
another user or Nexo itself, interfere with the platform's fraud detection or ban systems, or use
the platform for any unlawful purpose. Nexo enforces bans using device-level and, for sellers,
BVN-level identification, meaning a ban may prevent a new account from being created on the same
device or with the same verification details.
Once a dispute is escalated to Nexo admin for review, admin's decision is
binding on both the buyer and seller involved.
What We Don't Do
- Nexo does not sell user data to any third party, ever.
- Nexo does not share a buyer's contact details with a seller beyond what's needed to fulfill
an order (delivery address, phone number for delivery coordination).
- Device fingerprinting and fraud scoring are used only for fraud prevention and the ban
system never for advertising or profiling.
- In the Nex Token referral system, a referred user's identity is never shown to the person
who referred them only the fact that a reward was triggered.
What We Collect
From every user
Full name, email, phone number, password (hashed),
a device fingerprint used for fraud detection, and, at payment time only, your IP address.
From buyers
Delivery address and state/city, order history, cart contents, wishlist items,
and a referral code if one was used at signup.
From sellers
Store name, description, logo and banner, bank account name/number/bank name
(for payouts), BVN or CAC number depending on account type, and a WhatsApp number published
publicly on the storefront.
Payment data
Nexo never stores card numbers, CVVs, or full payment details card data goes
directly to our payment processor. Nexo stores only the transaction reference, amount, and status.
Who We Share Data With
| Third party | What they receive | Why |
|---|
| Our payment processor | Payment details, transaction amount, buyer name/email, seller bank details | Processing payments and paying sellers directly |
| Cloudinary | Uploaded images (products, logos, banners) | Image hosting and delivery |
| Google (optional) | Email and basic profile info | Only if you choose "Continue with Google" |
| Our email provider | Email address | Transactional emails only (confirmations, verification, resets) |
This policy refers to "our payment processor" rather than naming one
permanently, since Nexo may change payment providers over time.
Cookies We Use
- Session cookie keeps you logged in. Required.
- CSRF cookie security, prevents cross-site request forgery. Required.
- Theme preference light/dark mode, stored in your browser.
- Currency preference NGN/USD, stored with your session.
- Guest cart tied to your session key if you're not logged in.
- Token Drop announcement flag stored only for your current browser tab,
used to avoid repeating the same announcement more than once per visit.
None of these are third-party advertising or tracking cookies. Nexo does not
currently run any ad network, analytics pixel, or cross-site tracking script.
Data Retention
- Account data is retained for as long as your account exists.
- Order records are retained indefinitely for dispute, tax, and audit purposes, even after an
account is deleted, with personal identifiers minimized where possible.
- A deleted account cannot be recovered. Sellers cannot delete their account while they have
active orders.
- Device fingerprint and ban records are retained even after account deletion, to enforce the
platform's ban system.
Your Rights
- Request a summary of the data we hold on you.
- Correct inaccurate data via your profile settings.
- Request account deletion at any time (self-serve, in your account settings).
- Withdraw consent for optional features, such as Google sign-in linking.
Children's Privacy
Nexo is not directed at anyone under 18. Accounts found to belong to someone
under this age will be removed.
Changes to This Policy
Nexo may update this policy from time to time. Material changes will be
communicated by email. Continuing to use Nexo after a change means you accept the updated policy.
Contact
Questions about this policy or your data can be sent to
.