1 Agreement to Terms
These Terms and Conditions constitute a legally binding agreement between you ("User", "Client", or "Artisan") and SolteQ Innovations Ltd ("SolteQ", "Company", "we", "us"), governing your access to and use of the ArtisanPay mobile applications and websites (artisanpay.com.ng).
By downloading, registering, or using ArtisanPay, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must immediately discontinue use of the platform.
2 The Escrow Payment Mechanism
ArtisanPay operates on an Escrow First principle to eliminate payment defaults and fraud:
- Funding Escrow: When a client hires an artisan, the agreed job fee is deposited into a secure escrow lockbox. The artisan is notified that funds are secured.
- Job Execution: The artisan must perform the agreed scope of work diligently, professionally, and within the agreed timeline.
- Work Inspection & Release: Upon job completion, the client must physically inspect and verify the delivered work. Tapping "Confirm Job Completed" releases the escrow funds to the artisan's wallet.
- Finality of Release: Once a client authorizes the release of escrow funds, the payment is final, irrevocable, and non-refundable.
3 Platform Fee Schedule
To maintain our secure escrow engine, servers, and dispute mediation infrastructure, ArtisanPay applies the following transparent fee structure:
| Fee Component | Rate / Amount | Description |
|---|---|---|
| Seeker Escrow Fee | 5% (Min ₦150, Max ₦2,500) | Charged to client upon funding escrow for fraud protection and mediation. |
| Artisan Service Fee | 5% (Min ₦150, Max ₦2,500) | Deducted from gross job payout upon client confirmation. |
| Bank Payout Fee | ₦100 Flat | Charged per bank withdrawal to cover banking settlement charges. |
4 Artisan Warranties & Code of Conduct
Every service provider on ArtisanPay represents and warrants that:
- All identification credentials (NIN, voter card, certificates) submitted are authentic, current, and belonging to the user.
- They possess the required technical competence, tools, and experience to execute the service safely.
- Anti-Disintermediation: Artisans shall NOT solicit or accept off-platform payments (cash, private bank transfer) to evade escrow protections. Doing so results in immediate permanent account termination, forfeiture of pending service funds, and legal prosecution.
5 Dispute Resolution & Refunds
In the event of an abandoned job, substandard execution, or material damage, either party may initiate a dispute ticket before funds are released.
ArtisanPay resolution officers review timestamped photo/video evidence, in-app chat logs, and agreed scopes. If the artisan failed to perform, the escrow funds are reversed and refunded to the client's wallet. If the work was completed as agreed, funds are disbursed to the artisan.
6 Governing Law & Legal Contact
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. For legal correspondence: