Terms & Conditions
Effective Date: 31st March 2026
1. Introduction
Welcome to Artco, a digital platform that connects customers with independent artisans for on-demand services within Nigeria. By creating an account or using the platform, you agree to these Terms.
2. Eligibility
- Users must be at least 18 years old.
- By registering, you confirm that all information provided is accurate.
3. Nature of the Platform
Artco acts solely as an intermediary platform connecting customers and independent artisans.
- Artisans are independent contractors, not employees.
- Artco does not directly provide the services listed.
4. User Accounts
- One account per user.
- Users are responsible for account security.
- We reserve the right to suspend or terminate accounts for misconduct.
5. Artisan Verification
All artisans must:
- Submit valid government-issued ID
- Provide accurate business/service details
- Complete verification review before activation
⚠️ Artco reserves the right to reject or remove artisans at its discretion.
6. Payments
- All payments must be made through the app.
- Off-platform payments are strictly prohibited.
- A 25% commission is deducted from each completed service before artisan payout.
- Payout timelines: 24-48 hours after service completion
- Failure of payment processing may result in service cancellation
7. Cancellations
Customer Cancellation:
- Free cancellation before artisan acceptance.
- Cancellation after acceptance may attract a service fee.
Artisan Cancellation:
- Excessive cancellations may result in suspension.
8. Refunds
Refunds may be granted if:
- Service was not delivered
- Proven misconduct
- Payment errors
Refund decisions are made after internal review.
9. Ratings & Reviews
- Users may leave honest reviews.
- Abusive, defamatory, or false reviews may be removed.
10. Reward System
Users and artisans may earn points based on:
- Completed services
- Positive ratings
- Referrals
Points Terms:
- Are non-transferable
- May expire after 3 months
- May be revoked for fraud or misuse
⚠️ Artco reserves the right to modify reward rules at any time.
11. Prohibited Conduct
Users must not:
- Provide false information
- Engage in fraud
- Harass other users
- Attempt to bypass platform payments
⚠️ Violation may result in account termination.
12. Limitation of Liability
Artco shall not be liable for:
- Service quality disputes
- Personal injury
- Loss of property
- Indirect or consequential damages
13. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall first be resolved via mediation before court action.
14. Pre-Launch Clause
As Artco is currently in development, features and policies may be updated prior to full launch.
Questions?
If you have any questions about these Terms & Conditions, please contact us at:
By using Artco, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.