Terms of Service

1. Acceptance and eligibility

By creating an account on Seed, including by signing in with Google and completing your sign-up, you confirm that you have read these Terms and our Privacy Policy and you agree to them. When you sign up, you tick a box to say so. If you don’t agree, please don’t use Seed.

You must be at least 18 and legally able to enter into an agreement. Seed is intended for adults; it is used both by individuals (for example Buyers) and by businesses. If you use Seed on behalf of a business, you confirm you are allowed to do so.

2. What Seed is, and is not

Seed is an online marketplace, operated by Bia’net Tech Ltd. (“we”, “us”), that connects farmers, buyers, traders, suppliers, agro investors and logistics providers across Africa. Through Seed you can list and buy products, make price offers, message other users, pay through an in-app wallet where the money is held until the goods are received, arrange pick-up or delivery through approved logistics providers, join the community, and use tools such as AI plant diagnosis, weather and commodity prices.

• Seed is not the seller. Products are listed and sold by independent users. The sale is between the buyer and the seller.
• Seed is not the carrier. Logistics Providers on Seed are independent businesses. Seed matches buyers with providers and handles the payment for the job; it does not itself transport goods.
• Seed is not a bank. Card and bank payments and payouts are processed by Paystack. Your Seed wallet is a record of money you have added, and of payments held or released, inside Seed.
• We do not guarantee the accuracy of any listing, the identity or reliability of any user, the quality of any goods, or the outcome of any transaction.

Requires client/legal confirmation: Whether holding payments in a wallet until release, and taking a commission, requires any licence or regulatory approval is a legal question for the client’s legal adviser. This section states only how the app works.

Some sections of the app, such as Jobs and Bartar (the commodity exchange), are currently shown as “coming soon”. These Terms do not cover them until they open.

3. Account types

When you sign up, you choose one account type. What you can do on Seed depends on it.

4. Your account and its security

• Give accurate information when you sign up and keep it up to date. You verify your email address or phone number with a one-time code we send you.
• Keep your password and any codes secure. You are responsible for activity on your account. Tell us straight away at bianettechltd@gmail.com if you think someone else has used it.
• After five wrong password attempts on an account, sign-in is locked for a period (currently 15 minutes). This is meant to protect your account.
• Do not share your delivery code with anyone until you have received your goods (see Section 8).
• You must not use someone else’s account, or let someone else use yours.

5. Profiles, verification and badges

• Buyer profile. A Buyer profile shows your personal name, photo, bio and interests to other signed-in users. Your address is never shown on it. See the Privacy Policy for exactly what is and is not visible.
• Business verification. To list products for sale, Farmers, Traders and Suppliers apply for business verification by uploading a CAC certificate, or proof of business ownership together with a saved bank account in the business’s name. Seed reviews the request and may approve or reject it. The type of verification you receive decides which marketplace your listings appear in.
• Verified badges. “Verified” and “Premium Verified” show that we reviewed a verification request. They are not a guarantee of a user’s reliability, honesty, or the quality of their goods.
• Identity verification. Seed has optional NIN, BVN, identity-photo and bank-link checks, run by outside partners, which are used only if Seed switches them on or you choose to use them. Before any check you give separate consent. An “Identity verified” tick on a profile means the checks completed successfully. It is not a guarantee about the person. Only submit your own ID details and your own photo.
• Logistics Providers must be approved by Seed before they are listed to buyers.

6. Listings, offers and purchases

Sellers

• You may list only products you have the right to sell. Describe them honestly: name, quantity, unit, price, location, description and photos must be accurate and current.
• You set your own price in the currency for your country. You are responsible for keeping quantity and availability up to date.
• Seed may review, reject or remove any listing that breaks these Terms or is reported.
• Once a buyer’s payment for your goods has been made, you are expected to make the goods available for collection or delivery as agreed with the buyer.

Buyers, Traders and Suppliers buying

• You can pay a listing’s asking price (“Buy now”), or make an offer. An offer must be between half of the asking price and the full asking price, and you can have one open offer per listing at a time. The seller can accept or decline. If an offer is accepted, the payment must be for the agreed price.
• You can also send a payment directly to another Seed user by their phone number; it is treated the same way as other payments (held until release, see Section 7).
• Prices shown in your local currency are converted for display using exchange rates from a public data feed. They are estimates for your convenience.
• Only pay for goods through the Seed wallet if you want Seed’s payment protection. Seed cannot help with payments you make outside Seed.

Seed does not check goods, their quality or their quantity. Read the listing, ask the seller questions in messages, and check what you receive before you confirm.

7. Payments and your Seed wallet

Your wallet

• Each account has a wallet in one currency, based on your country.
• Adding money. You add money through Paystack. You enter your card or bank details on Paystack’s page, not on Seed. Your wallet is credited when Paystack confirms the payment succeeded. A failed or abandoned payment is not credited.
• Withdrawing money. You can withdraw released funds to a bank account you have saved in the app, and Paystack sends the payout. The withdrawal shows as pending, processing, completed or failed; if it fails, the money is returned to your wallet. Seed does not add a separate withdrawal fee; your bank may apply its own charges.

How a payment to a seller works

• When a buyer pays, the money leaves the buyer’s wallet and is held. The seller cannot withdraw it yet.
• The payment is released to the seller when the buyer confirms they received the goods. If the buyer neither confirms nor opens a dispute, Seed’s system is designed to release the payment automatically after a set number of days (currently 7).
• If there is a problem, the buyer can open a dispute while the payment is still held, explaining what went wrong. A Seed administrator reviews it and decides whether the money is released to the seller, refunded to the buyer, or split between them.
• Refunds happen only through a dispute decision or a correction by Seed. There is no other automatic refund.

Commission and other charges

• When a held payment is released, Seed deducts a platform commission. The rate that applies to a payment is fixed when the payment is made and is shown on its receipt. It is currently 5%. The seller receives the amount after commission.
• The same commission applies to payments for Pick-up and Delivery jobs, taken from the logistics provider’s payment.
• Seed Premium has its own price (Section 9). Seed does not currently charge any other fee in the app.

Corrections

If a wallet balance or payment is wrong, Seed may correct it. Every correction is recorded, and we will tell you.

Requires client/legal confirmation: Confirm the current commission rate (5%) and the automatic-release period (7 days) before publishing; both are admin settings and can change. Also confirm that the scheduled job that performs automatic release is running in production, because the code provides it as a script and does not schedule it. The app also does not define what happens to held payments or a wallet balance when an account is suspended or closed; the client’s legal adviser should decide.

8. Pick-up and Delivery

After you have paid for goods, you can choose how they get to you:

• Collect them yourself. Seed shows you the seller’s name, phone number and address for that purchase, and tells the seller.
• Use a Seed logistics provider. Choose an approved Logistics Provider and send a request with the price you propose (for a Pick-up request you also give the drop-off address). The provider accepts or declines. Once accepted, you pay from your wallet and the money is held. The provider is shown the sellers’ pick-up details for that job.
• Continue with Bolt. This takes you to Bolt’s own delivery service, outside Seed. Seed does not arrange, price, track or insure a Bolt delivery, and only records that you chose it.

Handover and payment

• When a logistics payment is made, you receive a delivery code. At handover you give the code to the provider only after you have received your goods; the provider enters it in Seed, and the provider’s payment is released. You can also confirm receipt yourself.
• The code has a limited number of tries. If it is entered wrongly too many times it is locked for a while. If you don’t confirm or dispute, the payment is released automatically after the same period as other payments (Section 7).
• If something goes wrong, you can open a delivery dispute while the payment is held; a Seed administrator decides in the same way as in Section 7.

Responsibilities

• Buyers must give a correct drop-off address and be reachable, and must not share the delivery code before receiving the goods.
• Logistics Providers must keep their profile, service areas and rates accurate, collect and hand over goods as agreed, and use sellers’ and buyers’ addresses and phone numbers only for that job and keep them confidential.
• Sellers must have the goods ready for collection once a buyer has paid.

Requires client/legal confirmation: The app does not define who is responsible for goods lost or damaged in transit, or any insurance. The client’s legal adviser should decide what, if anything, to state here.

9. Seed Premium

• Seed Premium is available to Farmers, Traders and Suppliers. It costs ₦500 for a month (30 days) or ₦3,000 for a year (365 days), paid from your Seed wallet.
• Premium gives a “Premium Seller” badge, a boost in how your listings are ranked, and eligibility for a limited number of featured listing slots.
• Premium does not renew automatically; you renew it yourself, and we send reminders before it ends.
• If you cancel, your Premium benefits continue until the end of the period you paid for. There is no refund.

10. Agro Investors

Agro Investors can send a listing’s seller an expression of interest, which the seller can accept or decline, and can then message each other. This feature does not move any money. Seed is not an investment broker or adviser, does not check any claim made about an investment, and does not guarantee returns. Any agreement is made directly between the people involved, outside Seed.

11. Your content

You keep ownership of what you post (listings, photos, business documents, messages, reviews, community posts and your profile). You give us the right to store, display, and distribute it within the app so the service can work. You are responsible for making sure your content is accurate, lawful, and does not infringe anyone else’s rights, and that you have permission to post any photo of another person.

• Profile information, listings and reviews are visible to other users as described in the Privacy Policy. Community posts are visible to signed-in users.
• Business verification documents are kept private and are seen only by you and by administrators reviewing them.
• Reviews must be honest and based on a real transaction; the app only lets you review after a completed payment or an accepted investment interest.
• Seed may remove content that breaks these Terms or is reported and upheld.

12. Rules for using Seed

You agree not to:

• Post false, misleading or fraudulent listings, or misrepresent goods, quantity, quality, origin or price.
• Impersonate another person, business, logistics provider or Seed staff, or submit another person’s NIN, BVN, photo, documents or bank account as your own.
• Scam, harass, threaten or deceive other users, or post hateful, abusive, sexual or unlawful content.
• List or trade anything illegal to sell.
• Manipulate payments or disputes: for example open a dispute you know to be false, give out or use a delivery code to release a payment when goods were not handed over, or otherwise try to obtain money you are not entitled to or avoid the commission Seed charges.
• Use another user’s information (such as a seller’s address or phone number, a buyer’s drop-off address, or a delivery code) for anything other than the transaction it was shared for, or try to find out private information about another user.
• Access, or try to access, accounts, admin tools or data that are not yours; attempt to bypass or test security, rate limits or account locks; or scrape Seed or use it in an automated way.
• Upload viruses, malicious files, or files that are not what they claim to be, or disrupt or overload the service.
• Send spam or unsolicited promotions through messages or Community.

Requires client/legal confirmation: The client should decide whether to add a rule against taking a deal that was started on Seed outside Seed to avoid the commission. The app does not currently state or enforce such a rule beyond the payment-manipulation rule above.

13. AI diagnosis, weather and market data

• AI Plant Diagnosis uses OpenAI to give an automatic guess about a plant photo. It can be wrong and is not professional agronomic advice. Check with a qualified expert before acting on it.
• Weather and commodity prices come from third-party data services and may be delayed, incomplete or inaccurate. Do not rely on them alone for a trading or farming decision.
• Learn articles are general information.

14. Disputes, reports and support

• Payment and delivery disputes are handled as described in Sections 7 and 8.
• Reports. You can report a user or a listing from the app. Seed administrators review reports and may remove content, or warn, restrict or suspend an account.
• Support. You can contact us from the Support page in the app. Your message is sent to Seed administrators and replies are shown in the app. We do not promise a response time.
• Notifications and emails we send about your account, payments, messages and deliveries are part of the service. Text messages are used only for verification codes.

15. Suspension, termination and deleting your account

• We may suspend or terminate an account, remove content, or reject a verification or logistics application, if you break these Terms, if we suspect fraud or abuse, or if we are required to by law. A suspended account cannot sign in.
• You can delete your account at any time from Profile → Privacy & Data. If your account has payment history (as a buyer or seller, a dispute, or a withdrawal), we must keep those records, so it cannot be fully deleted; contact us to have it deactivated instead. The Privacy Policy explains what is removed.
• Provisions that need to continue, such as those about payments already made, disputes, liability and governing law, continue after your account ends.

16. Third-party services

Seed relies on outside services, including Paystack for payments and payouts, Google for optional sign-in, OpenAI for plant diagnosis, email and text delivery providers, cloud hosting and storage, and, where switched on, identity verification partners. Their own terms apply to how they work, and Seed is not responsible for their availability or conduct. The Privacy Policy lists them and what each receives. Links to Bolt or Google Maps take you to services that are not part of Seed.

17. Disclaimers and limitation of liability

Seed is provided “as is” and “as available”, without warranties of any kind. To the fullest extent the law allows, Bia’net Tech Ltd. is not liable for losses arising from transactions between users, inaccurate listings or profiles, the conduct of other users or logistics providers, goods that are lost, damaged or not delivered, service interruptions, or third-party services (AI diagnosis, market data, weather, payment processing, identity verification) that Seed relies on.

Requires client/legal confirmation: The client’s legal adviser should review this section, including how far liability can lawfully be limited under the consumer-protection and other laws that apply, before this text is relied on.

18. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Requires client/legal confirmation: No court, arbitration or dispute-resolution forum has been chosen. The client’s legal adviser should decide whether to add one.

19. Changes to these Terms

We may update these Terms from time to time and will change the date at the top when we do. Continued use of Seed after a change means you accept the update.

Requires client/legal confirmation: Seed records that you accepted the Terms when you signed up, but not which version, and it does not ask existing users to accept a new version. Decide whether re-acceptance is needed for material changes.

20. Contact

Questions about these Terms: bianettechltd@gmail.com.

Requires client/legal confirmation: Add the company’s registered name details and address (for example registration number) if the client wants them shown; the app does not record them.