Terms and Conditions

1. Who these terms are between

These terms are an agreement between you and COBRAND, a business operating from Ibadan, Oyo State, Nigeria ("COBRAND", "we", "us"). "You" means the person or business using the platform, whether as a buyer, a shop owner, an author, a reader, a professional or an advertiser.

By creating an account, opening a shop, submitting a book, reading a gated article, listing a service or buying anything on COBRAND, you accept these terms. If you do not accept them, do not use the platform.

2. Who may use COBRAND

• You must be at least 18 years old, or the age of majority where you live, whichever is higher.
• If you accept these terms for a business, you confirm you are authorised to bind that business.
• You must give accurate details and keep them current. Accounts opened with false information may be suspended without notice.
• One person or business may hold one account. Additional accounts created to evade a suspension will be closed.

3. One account, separate approvals

COBRAND is built as a single account with independently verified arms. Opening a shop does not make you a publisher; being approved as a publisher does not approve you to sell physical goods; and being verified in one arm has no effect on your standing in another.

Each arm is applied for separately, reviewed separately, and may be approved, declined or withdrawn separately. A decision in one arm is not a decision in any other, and losing access to one arm does not close your base account unless we say so in writing.

4. Your account and its security

• You are responsible for everything done through your account, including by anyone you give access to.
• Keep your password private. Tell us immediately at cobrandapgp@gmail.com if you believe someone else has used your account.
• Shop owners hold a second set of credentials for the shop dashboard. Those are separate from your COBRAND sign-in and must be protected in the same way.
• We may require you to verify your email address, and to re-verify it if we have reason to think the address is no longer yours.

5. Prices, currency and the platform fee

Every price on COBRAND is shown and charged in United States dollars (USD), for buyers inside Nigeria and outside it alike. Where a naira figure is recorded, it is a bookkeeping reference for the seller only and is not the price a buyer pays.

COBRAND charges a flat platform fee of US$0.99 per transaction. This fee is shown before checkout is completed. It is separate from the price of the item and from any payment processor charge, and it is not refunded where a refund is caused by the buyer changing their mind.

Currency conversion, card charges, cross-border fees and bank charges are set by your payment provider, not by COBRAND, and are your responsibility.

6. What you may not do

You may not use COBRAND to:

• sell, publish or advertise anything unlawful under Nigerian law, or unlawful where the buyer is;
• list counterfeit goods, stolen goods, or goods you have no right to sell;
• upload content you do not own or have permission to use;
• impersonate another person, business or brand, including COBRAND itself;
• make claims you cannot substantiate — about results, earnings, health, safety, certification or origin;
• write, buy or arrange fake reviews, fake ratings or fake engagement of any kind;
• harvest other users' details, scrape the platform, or attempt to bypass any access control, payment step or download restriction;
• interfere with the platform's operation, security or availability.

7. Review, suspension and removal

Listings, books, articles, videos and advertisements are subject to review before they appear publicly, and may be reviewed again at any time afterwards. We may decline, remove, hide or edit the placement of anything that breaches these terms, and we may suspend or close an account that repeatedly does so.

Where we remove something, we will normally tell you why and give you a chance to correct it. Where the breach is serious — fraud, illegality, or a risk to another person — we may act first and explain afterwards.

8. Your content, and what we may do with it

You keep ownership of everything you upload: your photographs, product descriptions, manuscripts, articles, videos and logos. Nothing here transfers ownership to COBRAND.

You grant COBRAND a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, resize, display and distribute that content for the purpose of operating and promoting the platform and your presence on it. That licence ends when you remove the content, except for copies retained in backups or required by law, and except where a buyer has already acquired a lawful copy.

9. Intellectual property in the platform

The COBRAND name, logo, design, written material and software are ours. You may not copy, adapt, resell or present them as your own, or use the COBRAND name in a way that suggests a partnership or endorsement that does not exist.

If you believe something on COBRAND infringes your copyright or trade mark, write to cobrandapgp@gmail.com with the material concerned, where it appears, and proof of your rights. We will investigate and, where the claim is made out, remove it.

10. Privacy and data protection

We handle personal data in line with the Nigeria Data Protection Act 2023. We collect what we need to run your account, process payments, deliver orders and meet our legal obligations, and no more. What we collect, why, how long we keep it and the rights you have over it are set out in full in the Privacy Policy, and how we use cookies is set out in the Cookie Policy.

Messages sent between buyers and shops through COBRAND are handled by COBRAND and may be reviewed for safety, fraud prevention and dispute resolution. Both sides are told this in the chat panel itself.

Regulated details — such as tax identification numbers, bank details and identity documents supplied during verification — are collected for verification only, are never displayed publicly, and are not shared except where the law requires it.

11. Third parties

COBRAND links to and depends on third-party services, including payment processors, delivery providers, messaging platforms and hosting providers. Their terms govern their part of the service, and we are not responsible for their acts or omissions.

12. The platform is provided as it is

We work to keep COBRAND available, accurate and secure, but we do not promise that it will be uninterrupted, error-free, or that any particular result — a sale, a reader, a booking, a rank — will follow from using it. Figures described as estimates or forecasts on the platform are estimates, not guarantees.

13. Limits on our liability

Nothing in these terms excludes liability that cannot lawfully be excluded, including for death, personal injury or fraud caused by us.

Subject to that, COBRAND is not liable for indirect or consequential loss, loss of profit, loss of data or loss of business opportunity. Our total liability to you for any claim connected with the platform is limited to the greater of the total fees you paid COBRAND in the three months before the claim arose, or US$100.

COBRAND provides the marketplace. Where you buy from a shop, engage a professional, or read a book, the contract for that item or service is between you and that seller, professional or author.

14. Ending the agreement

You may close your account at any time. We may suspend or close an account that breaches these terms, that is dormant for a long period, or where we are required to by law.

Closing an account does not cancel orders already placed, payouts already owed, or obligations that by their nature survive — including confidentiality, intellectual property and liability.

15. Changes to these terms

We may update these terms as the platform grows. The "last updated" date at the top of this page always reflects the current version. Where a change materially affects your rights, we will give reasonable notice by email or through the platform before it takes effect. Continuing to use COBRAND after that date means you accept the change.

16. Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Before starting formal proceedings, both sides agree to attempt to resolve the matter in good faith by writing to cobrandapgp@gmail.com. If that fails, the courts of Oyo State, Nigeria have jurisdiction.

17. How to reach us

COBRAND, Ibadan, Oyo State, Nigeria. Email cobrandapgp@gmail.com, or message us on WhatsApp. We aim to answer within two working days.

1. Who is responsible for your data

COBRAND, of Ibadan, Oyo State, Nigeria, is the data controller for the personal data described here. That means we decide what is collected and why, and we are accountable for it.

For anything in this policy, write to cobrandapgp@gmail.com with "Data protection" in the subject line.

2. What we collect

When you open an account

• Your name and email address.
• Your WhatsApp number.
• Your password, stored so that we can check it — never shown back to you or to anyone else.
• Which arm of COBRAND you signed up for: buying, selling or publishing.
• A profile photograph, only if you choose to add one. It is optional everywhere it is offered.

When you open a shop

• Your business name, city, description and delivery terms.
• Your shop logo, cover image, product photographs and any product video.
• Product details, prices, stock levels and the codes issued to them.

When you apply for a verified arm

Publisher Studio and other verified arms ask for identity and payment details so we can confirm who you are and pay you: an identity document, a business address, a tax identification number where one applies, and bank or payout details.

When you buy something

• What you ordered, when, and from which shop.
• The delivery name, address and phone number you give.
• A record that payment succeeded, the amount, and the last four digits and card type where the processor returns them. We do not receive or store your full card number, expiry date or security code — those go directly to the payment processor.

When you use the site

• Your IP address, which we use once to work out your approximate country so a form can be pre-filled sensibly. It is not used to build a profile of you.
• Your browser type, device type and screen size, so pages render correctly.
• Which pages you opened and what you searched for, in aggregate.
• Small amounts of data stored in your own browser — see the Cookie Policy.

Messages

Messages sent between buyers and shops through COBRAND are stored and may be reviewed by us for safety, fraud prevention and dispute resolution. Both sides are told this in the chat panel itself, before they write anything.

3. What we do not do

• We do not sell your personal data. Not to advertisers, not to data brokers, not to anyone.
• We do not read your messages for advertising purposes.
• We do not display your email address, phone number, home address or payout details to other users.
• We do not use your data to train machine learning models without asking you first.

4. Why we are allowed to hold it

Under the Nigeria Data Protection Act 2023 we must have a lawful basis for each use. Ours are:

• Contract — to run your account, take your order, deliver it, and pay a seller or author what they are owed.
• Legal obligation — tax records, and identity checks required of a business that handles payments.
• Legitimate interest — keeping the platform secure, preventing fraud, resolving disputes, and understanding in aggregate how the site is used. We balance this against your interests, and it never extends to selling your data.
• Consent — marketing email, and any optional cookie beyond what the site needs to function. You can withdraw consent at any time, and withdrawing it does not affect anything done before.

5. Who else sees it

We share the minimum necessary, with:

• The shop you buy from — your name, delivery address and contact number, so they can send your order. Nothing else.
• Payment processors — to take payment and make payouts.
• Delivery providers — the address and contact details needed to deliver.
• Hosting and infrastructure providers — who store the data on our behalf under contract.
• Regulators, courts and law enforcement — where we are legally required to, and only to the extent required.

Anyone processing data on our behalf is bound to use it only for the purpose we gave it to them for. A shop that receives a buyer's delivery details becomes responsible for that data in its own right, and may use it only to fulfil the order.

6. Where it is held

Data may be stored or processed outside Nigeria by the hosting and payment providers we use. Where it is, we take the steps the Act requires to make sure it stays protected to the same standard.

7. How long we keep it

• Account details — while your account is open, and for 12 months afterwards in case you return or a dispute arises.
• Order and payment records — 7 years, as tax law requires.
• Identity and verification documents — 5 years after the relationship ends, as anti-money-laundering rules require.
• Messages — 24 months, then deleted.
• Marketing consent records — until you withdraw consent, plus a record of the withdrawal so we do not contact you again by mistake.

8. Your rights

Under the Act you have the right to:

• be told what we hold about you, and get a copy of it;
• have anything inaccurate corrected;
• have your data deleted, where we have no legal reason to keep it;
• object to processing based on legitimate interest;
• restrict processing while a complaint is being looked into;
• receive your data in a portable form;
• withdraw consent to marketing at any time;
• complain to the Nigeria Data Protection Commission.

Write to cobrandapgp@gmail.com. We will respond within 30 days. We may ask you to confirm who you are first, so we do not hand your data to someone else. There is no charge unless a request is repetitive or excessive.

9. Keeping it safe

We restrict who can see personal data to those who need it, we use encrypted connections, and regulated details are kept apart from the ordinary platform data. No system is perfectly secure. If a breach occurs that is likely to harm you, we will tell you and the Nigeria Data Protection Commission within the timescales the Act sets.

10. Children

COBRAND is not for under-18s. We do not knowingly collect data about children. If you believe a child has given us data, tell us and we will delete it.

11. Marketing

We only send marketing email to people who asked for it. Every message has an unsubscribe link that works, and unsubscribing does not affect the operational emails you need — order confirmations, payout notices, review outcomes and security alerts.

12. Changes to this policy

Where we change how we use personal data in a way that materially affects you, we will tell you before it takes effect. The date at the top of this page always reflects the current version.

1. Prices and what you pay

• Every price is shown and charged in US dollars, whether you are in Nigeria or abroad.
• A flat platform fee of US$0.99 is added per transaction. It is shown before you confirm.
• Delivery is charged separately where it applies, and is shown before you confirm.
• Your bank may add its own currency conversion or cross-border charge. That is between you and your bank — COBRAND does not receive it and cannot refund it.
• Where a naira figure appears anywhere, it is a seller's own bookkeeping reference. It is not the price you are charged.

2. Placing an order

Adding something to your cart does not reserve it. Your order is an offer to buy, and the sale is made when the shop accepts it and confirms. If the item turns out to be out of stock, or the price shown was obviously wrong, the shop may decline, and you get a full refund including the platform fee.

Check your order before confirming. Once a shop has begun preparing an item made or personalised to your specification, it may not be cancellable.

3. What you should expect from a listing

Sellers are required to show the actual item, describe it honestly, and state its size, colour, condition and stock accurately. Product photographs must be of the item being sold, not stock images. Where a video is shown, it must show the product turning through a full 360° and must not contain claims or testimonials.

If a listing breaks those rules, report it. We investigate every report and remove listings that do not comply.

4. Delivery

• Each listing shows how quickly the shop will dispatch. That period is binding on the shop.
• Delivery time after dispatch depends on the courier and your location.
• Give a delivery address someone can receive at. A failed delivery caused by a wrong address, or by nobody being available, may be charged again.
• Risk in the goods passes to you when they are delivered to you or to someone you nominated.

5. Returns and refunds

Each shop sets its own returns window and must show it on the listing before you buy. The period shown is binding on that shop.

You are always entitled to a remedy where the item is:

• not what was described;
• damaged, faulty or incomplete when it arrives;
• never delivered at all.

In those cases the shop must replace it or refund you, including the delivery you paid and the platform fee. That is not a favour and is not subject to the shop's own returns window.

Where you simply changed your mind

The shop's stated returns window applies. Return postage is normally yours to pay, the item must be unused and in its original packaging, and the US$0.99 platform fee is not refunded.

Items that may not be returnable

• made to measure, personalised or custom items;
• perishable goods;
• underwear, swimwear, earrings and other items sealed for hygiene, once the seal is broken;
• digital books and articles, once access has been given — see clause 8.

None of this removes a right you have under Nigerian consumer law, or under the law where you live.

6. If something goes wrong

1. Message the shop first, through COBRAND, quoting the product code shown on your order. It keeps a record, which matters if we have to step in.
2. Give them a reasonable chance to fix it — normally 5 working days to reply.
3. If it is not resolved, contact COBRAND at cobrandapgp@gmail.com with your order reference and what has happened so far.

We will look at the messages and the evidence from both sides. Where a shop does not engage, or the evidence is clear, we may decide the dispute and refund you. Shops with repeated unresolved complaints are suspended.

Raise a problem within 30 days of delivery, or of the date delivery was due, so that evidence is still available.

7. Payment problems and chargebacks

If you believe a payment was taken in error, tell us before contacting your bank — we can usually resolve it faster. Raising a chargeback for an order you did receive, and that was as described, is fraud, and may result in your account being closed.

8. Books, articles and other digital items

• Buying a book gives you a personal, non-transferable right to read it. You may not redistribute, resell, share or upload it.
• Because access is given immediately, digital purchases are not refundable for change of mind. If the file is faulty, unreadable, or materially different from what was described, tell us and we will refund or replace it.
• Article access is personal to your account. Sharing your sign-in so others can read gated articles will end your access.

9. Reviews you leave

Review only what you actually bought, and describe your genuine experience. Do not accept payment or free goods in exchange for a review. Do not include another person's private details. We remove reviews that are abusive, defamatory, or plainly not from a real customer — but we do not remove a review simply because a shop dislikes it.

10. Your responsibilities

• Give accurate delivery and contact details.
• Do not order with the intention of not paying, or with someone else's payment details.
• Treat shop owners civilly. Abuse ends an account.
• Do not ask a shop to move a sale off COBRAND to avoid fees — you lose every protection in this document if you do, and we cannot help you.

11. What COBRAND is not responsible for

COBRAND is not the manufacturer, importer or seller of goods listed by shops, and is not responsible for their quality, safety or legality. That responsibility sits with the shop. What we are responsible for is running the marketplace properly: taking payment correctly, keeping listings honest, removing sellers who break the rules, and dealing fairly with disputes.

Where a product is regulated in Nigeria — food, drugs, cosmetics, medical devices — the seller must hold and display a valid NAFDAC number. If you see a listing in those categories without one, report it.

12. Getting help

Email cobrandapgp@gmail.com, or message us on WhatsApp. Have your order reference ready — it is the product code shown on your order and on the listing.

1. Opening a shop

• A shop is opened by applying, verifying your email address, and completing shop setup.
• A business name is required. It must be the name you actually trade under.
• You must be able to supply, package and deliver what you list, at the price you list it.
• COBRAND may decline a shop application, or ask for more information first, without giving a reason.

2. Listing products

Every listing must show the product honestly. In particular:

• Photographs must be of the actual item you are selling. Stock images, competitors' photographs, or images taken from the internet are not permitted.
• The front and back views are required. Side, top and bottom views are optional but must, if added, show the same item.
• Descriptions must not overstate. Do not claim a fabric, weight, composition, origin, certification or standard you cannot evidence.
• Sizes, colours, condition and stock levels must be accurate and kept current.
• Where a "was" price is shown, the item must genuinely have been offered at that price. Inventing a higher former price to manufacture a discount is prohibited.

3. Product videos

A product video is optional. Where one is added, two rules apply and are enforced at review:

1. The clip must show the product turning through a full 360°, so every side is visible, including wear, seams and joins.
2. No claims and no testimonials. Do not state results, guarantees, cures or savings, and do not stage a customer praising the product.

Videos are checked by COBRAND before they appear on a storefront. Anything staged or overstated is sent back, and repeated breaches can suspend a shop.

4. Restricted and prohibited items

You may not list anything unlawful, and you may not list:

• counterfeit, replica or unauthorised branded goods;
• weapons, ammunition or explosives;
• illegal drugs, or prescription medicines without lawful authority;
• live animals, endangered species or products made from them;
• stolen goods, or goods you cannot prove you own;
• adult or sexually explicit material;
• anything a regulator requires a licence for, unless you hold and can produce that licence.

Food, drugs, cosmetics and medical devices sold in Nigeria require a valid NAFDAC registration number where the law requires one. COBRAND asks for that number in the relevant categories, and listings without it will not be published.

5. Product codes

Every product is issued two codes automatically: a Company Product Code (CPC), running in sequence across the whole platform, and a User Shop Code (USC), unique inside your shop. Together they form the reference a customer quotes if anything goes wrong. Codes are never reused and may not be edited or transferred between products.

6. Pricing, fees and payouts

• You set your own selling price. COBRAND does not set it for you.
• A flat platform fee of US$0.99 applies per transaction.
• Payment processor charges are deducted in addition, at the processor's published rates.
• Payouts are released after the order is confirmed delivered and any returns window has passed.
• Payouts are made to the account details you verify. COBRAND is not responsible for money sent to details you supplied incorrectly.
• Where an order is refunded, charged back or found to be fraudulent, the corresponding payout may be withheld or recovered from later payouts.

7. Orders, delivery and returns

The contract of sale is between the buyer and the shop. COBRAND provides the storefront, the checkout and the messaging that connects the two.

• Sellers must dispatch within the "ready to ship" period stated on the listing.
• Each shop sets its own returns window, and it must be shown on the listing before purchase. The period shown is binding on the shop.
• Goods must arrive as described. An item that is not as described, is damaged in transit, or never arrives, must be refunded or replaced by the shop.
• Buyers should raise a problem with the shop first, through COBRAND messaging, quoting the product code. If it is not resolved, contact COBRAND.
• COBRAND may mediate, and may decide a dispute where a shop does not engage. Persistent unresolved complaints can suspend a shop.

8. Reviews and ratings

Reviews must come from real customers describing a real purchase. Writing your own reviews, paying for reviews, incentivising positive reviews, or asking a customer to remove a truthful negative one are all prohibited and are grounds for removal from the platform.

9. Communicating with customers

Messages between buyers and shops pass through COBRAND and may be reviewed for safety, fraud prevention and dispute resolution, as disclosed in the chat panel. Do not use COBRAND messaging to move a customer off-platform in order to avoid fees, and do not use customer contact details for marketing they did not ask for.

10. Suspension of a shop

We may hide listings, pause a storefront or close a shop where there is evidence of counterfeit goods, misdescription, fake reviews, non-delivery, or repeated unresolved disputes. Where a shop is closed, outstanding legitimate payouts are still paid, less any refunds and chargebacks owed.

1. What these things are

A cookie is a small file a website asks your browser to keep. Local storage and session storage do the same job with more room, and are what COBRAND mostly uses. Everything in this policy applies to all three.

Data stored this way sits on your own device. It is not sent to us unless the page explicitly sends it, and clearing your browser removes it.

2. What COBRAND stores, and why

Strictly necessary — the site does not work without these

• Sign-in state — keeps you signed in as you move between pages, so you do not have to enter your password on every one.
• Shop owner session — the second sign-in that opens the shop dashboard.
• Your cart and wishlist — so what you added is still there when you come back.
• Shop setup drafts — a part-finished shop, product or book stays where you left it.
• Security — detecting repeated failed sign-ins and other abuse.

These do not require consent, because without them the things you asked the site to do cannot happen.

Preferences — remembered so you do not set them twice

• Light or dark mode, and other display choices.
• Your approximate country, worked out once so forms can be pre-filled sensibly. Prices are in US dollars regardless, so this does not change what you pay.
• Small conveniences — which tab you had open, a collapsed section, an unsent draft.

Measurement

We count page views and searches in aggregate so we can see which parts of the platform are used. These figures are not tied to your name, and are not sold or shared for advertising.

Third parties

• Google Fonts serves the typefaces the site uses.
• YouTube serves video where a page embeds one. YouTube sets its own cookies when a video is loaded, governed by Google's policies rather than ours.
• Payment processors set cookies needed to complete a payment securely and to detect fraud.

3. What we do not use

• No advertising or retargeting cookies.
• No cross-site tracking, and no sharing of your browsing with data brokers.
• No fingerprinting to identify you when cookies are cleared.
• No social media tracking pixels.

4. Your choices

You can clear or block all of it in your browser settings, under Privacy, Cookies or Site data. Be aware what that costs you: blocking strictly necessary storage will sign you out, empty your cart, and lose any shop or product draft you had not submitted.

Most browsers also let you clear data for one site only. On COBRAND that is the cleanest option if you want a fresh start without affecting other sites.

5. How long it lasts

• Session storage — deleted the moment you close the tab.
• Sign-in state — until you sign out, or the session expires.
• Cart, wishlist and drafts — until you clear your browser, or the item is bought or submitted.
• Country lookup — refreshed every 24 hours.

6. Changes

If we add anything that tracks you across other websites, we will ask for your consent before it runs, and update this policy first. Questions go to cobrandapgp@gmail.com.

1. Never permitted

Illegal and dangerous goods

• Illegal drugs, precursors and paraphernalia for their use.
• Firearms, ammunition, explosives, and parts or conversion kits for them.
• Knives and other weapons sold as weapons.
• Fireworks, and hazardous, toxic or radioactive materials.
• Devices designed to defeat security, locks, alarms or payment systems.

Stolen, counterfeit and infringing goods

• Anything stolen, or that you cannot show you own.
• Counterfeit, replica or unauthorised branded goods, including "inspired by" copies using another brand's name.
• Pirated books, films, music or software.
• Goods bearing a trade mark you do not have permission to use.

People, exploitation and harm

• Anything involving human trafficking, forced labour or exploitation.
• Human remains, organs or bodily fluids.
• Adult or sexually explicit material of any kind.
• Material sexualising minors — reported to the authorities immediately, without notice.
• Material promoting terrorism, or inciting violence or hatred against a group.

Living things

• Live animals.
• Endangered species, and anything made from them — including ivory, pangolin scales, rhino horn and protected timber.

Financial and identity

• Counterfeit currency, and machines for producing it.
• Identity documents, passports, certificates, licences and academic qualifications.
• Personal data, mailing lists and contact databases.
• Stolen card or account details, and account credentials of any kind.
• Pyramid schemes, matrix schemes, "money doubling" and get-rich-quick programmes.

Health claims

• Anything claiming to cure, treat or prevent a disease without approval to say so.
• Prescription medicines sold without lawful authority.
• Unapproved slimming, fertility, enlargement or "detox" products making medical claims.

2. Restricted — permitted only with the right paperwork

These may be listed, but only if you hold and can produce what the law requires. COBRAND may ask for that evidence at any time, and will remove the listing if it is not produced.

• Food, drink, cosmetics, drugs and medical devices — a valid NAFDAC number is required and must be entered on the listing. Listings in these categories are not published without one.
• Alcohol and tobacco — only where you hold the licence required, and never advertised to under-18s.
• Electrical goods — must meet the applicable safety standard, and be supplied with the correct plug and voltage for the market you sell into.
• Children's toys and equipment — must meet applicable safety standards, including age marking and small-parts warnings.
• Second-hand goods — must be described honestly as pre-owned or refurbished, with faults and wear disclosed.
• Chemicals, fuels and pesticides — only where lawful to sell and correctly labelled.
• Professional services — where the profession is regulated, the licence must be held and producible. See the Professionals Terms.
• Gift cards and vouchers — only your own, and only where you can honour them.

3. Restrictions on how you describe things

Even a permitted item can be listed unacceptably. You may not:

• state a fabric, composition, weight, origin, certification or standard you cannot evidence;
• describe an item as new when it is not;
• invent a "was" price to manufacture a discount;
• use another seller's photographs, or stock images, in place of the actual item;
• imply an endorsement, approval or partnership that does not exist — including by COBRAND.

4. Books and articles

The same principles apply to what is published. We will not publish material that infringes copyright, defames a real person, breaches someone's privacy, incites violence or hatred, sexualises minors, or presents unsupported medical, legal or financial claims as fact.

5. What happens if you list something on this page

1. First time, minor — the listing is removed and you are told why. You can correct and relist where the item itself is permitted.
2. Repeated — your shop is paused pending review.
3. Serious — counterfeits, stolen goods, weapons, drugs, or anything involving a child — the account is closed immediately, outstanding payouts are held, and where the law requires it, the matter is reported to the authorities.

To report a listing you believe breaks these rules, email cobrandapgp@gmail.com with the product code and what is wrong with it.

1. Becoming a publisher

Publisher Studio is a separately approved arm of your COBRAND account. You apply, complete the verification steps, and are approved, declined or asked for more information. Approval as a publisher does not approve you for any other arm of the platform.

2. You keep your copyright

3. What you promise about your work

By submitting a manuscript you confirm that:

• the work is yours, or you hold the rights to publish it;
• any co-author named has agreed to be named, and to this arrangement;
• quotations, images, photographs and artwork are either your own, licensed to you, or properly in the public domain;
• the work does not defame anyone, breach anyone's privacy, or infringe anyone's copyright or trade mark;
• where the work makes factual, medical, legal or financial claims, you can support them.

You indemnify COBRAND against claims arising from a breach of these promises.

4. Files and specifications

• Manuscripts are accepted as PDF or Word.
• Covers are accepted as JPEG or TIFF, and must match the trim size chosen for the manuscript.
• Front and back cover artwork must be supplied where the format requires it.
• Interior samples must reflect the interior you are actually publishing — colour or black and white as selected.
• You are responsible for proofreading. COBRAND does not edit your work and does not correct errors in it.

5. Review before publication

Every submission is reviewed before it goes on sale. We aim to complete that review and email you the outcome within 48 hours of submission. A book may be declined where it breaches these terms, infringes someone's rights, or cannot be produced from the files supplied.

A submission that is declined can be corrected and submitted again. Repeated submissions of infringing material will end your access to Publisher Studio.

6. Royalties and pricing

• You set the retail price of your book, in US dollars.
• Royalties are split 80% to the author and 20% to COBRAND on the net receipts of each sale — that is, the retail price after the platform fee, payment processing and any applicable tax.
• Where a title has more than one author, COBRAND pays the account that submitted it. Dividing that share between co-authors is a matter between them.
• Royalties are calculated per sale and paid to your verified payout details.
• Refunded and charged-back sales are reversed out of royalties.

7. "Look Inside" previews

Books published on COBRAND carry a preview of the opening pages so a reader can judge the book before buying. By publishing, you agree to that preview being shown. The preview is limited to a short extract and cannot be downloaded.

8. Sales figures and rankings

Best Sellers Rank, category positions and similar figures shown on a book page are indicative measures produced by COBRAND from platform activity. They are not audited sales statements and must not be presented as certified sales figures in your own marketing.

9. Readers' rights and limits

Buying a book on COBRAND buys you a personal, non-transferable right to read it. It does not give you the right to redistribute it, resell it, share your account, upload it elsewhere, or strip any protection applied to it.

10. Withdrawing a book

You may withdraw a title from sale at any time. Withdrawal stops future sales; it does not cancel copies already bought, and readers who have already bought the book keep their access to it.

1. Access is granted, not sold outright

Articles on COBRAND are made available to signed-in, approved accounts. Access is personal to you, is not transferable, and may be withdrawn if these terms are breached. Sharing your sign-in so that others can read gated articles is a breach.

2. What you may do with an article

• Read it, on your own devices, as often as you like while your access lasts.
• Quote short extracts, with attribution to COBRAND and to the author.
• Link to it freely.

3. What you may not do

• Copy, download, print, screenshot or otherwise reproduce an article in full.
• Republish it, in whole or substantial part, anywhere else — including on a blog, in a newsletter, in a course, or inside another publication.
• Translate, adapt or create derivative works from it without written permission.
• Use it, or any part of it, to train a machine learning or artificial intelligence model.
• Circumvent, disable or work around the copy and download protection applied to the library.
• Sell, sublicense or otherwise commercialise access to it.

4. Ownership

Articles are owned by COBRAND or by their named author. Nothing in these terms transfers ownership to a reader. Access ends when your account or your access to the library ends.

5. If you write for COBRAND

• You keep the copyright in what you write.
• You grant COBRAND a non-exclusive, worldwide licence to publish, host, edit for length and clarity, format, promote and archive the article on the platform.
• You confirm the article is your original work, is not published elsewhere in a way that conflicts with this licence, and does not infringe anyone's rights.
• You confirm that facts, figures, quotations and sources in the article are accurate, and that anything presented as an estimate is labelled as one.
• Where you were paid or given anything of value to write about a product, business or person, you must disclose it, and COBRAND will publish that disclosure with the article.
• Where an article is produced with the assistance of an AI tool, you remain responsible for its accuracy and originality.

6. Corrections and removal

We correct articles when they are shown to be wrong, and we may unpublish an article at any time — including at an author's reasonable request. Where a correction is material, we note it on the article rather than changing the text silently.

7. Nothing here is professional advice

Articles are published for general information. They are not legal, financial, medical, tax or other professional advice, and must not be relied on as a substitute for advice from a qualified professional who knows your circumstances.

1. Listing as a professional

• You must describe your service accurately — what you do, where you do it, and what it costs.
• You must be genuinely able to provide the service you list, in the area you list it.
• Your profile must be about you or your firm. Listing on behalf of someone else, or presenting another person's work as yours, is prohibited.
• COBRAND may decline or remove a listing without giving a reason.

2. Qualifications, licences and registration

Where a profession is regulated — including medicine, pharmacy, law, accountancy, engineering, architecture, surveying, financial advice, electrical work and childcare — you must:

• hold the licence, practising certificate or registration the law requires;
• keep it valid for as long as your listing is live;
• produce evidence of it to COBRAND on request;
• tell us promptly if it is suspended, withdrawn or lapses.

You may not display a qualification, certification, membership or award you do not hold. A "verified" marker on COBRAND means we checked the specific document we asked for at the time we asked for it. It is not a warranty of your competence, and clients should still satisfy themselves.

3. Insurance and liability

You are responsible for holding whatever insurance your profession and the law require, including professional indemnity and public liability cover where applicable. COBRAND does not insure you, your client, or the work.

4. Quotes, bookings and payment

• A price shown on a listing is an indication unless it is expressly stated to be fixed.
• A quote you give a client must be honoured on the terms you gave it, for the period you stated.
• Where payment is taken through COBRAND, the flat platform fee of US$0.99 per transaction applies and prices are in US dollars.
• Where payment is arranged directly between you and the client, that arrangement is entirely between you, and COBRAND will not mediate it.
• Do not use COBRAND to obtain a client and then move the payment off-platform in order to avoid fees.

5. Standards of conduct

• Turn up when you said you would, or give the client reasonable notice that you cannot.
• Carry out the work with reasonable care and skill, and to the standard normal in your profession.
• Be clear about what is and is not included before the work starts.
• Treat clients, their property, their household and their data with respect.
• Keep confidential anything you learn about a client's business or personal affairs.
• Do not discriminate against a client on any unlawful ground.

6. Advice and outcomes

Advice you give a client is yours, not COBRAND's. You must not present COBRAND as endorsing, supervising or standing behind your advice. You must not guarantee an outcome that depends on factors outside your control, and you must not make earnings, health, legal or investment claims you cannot substantiate.

7. For clients

• Satisfy yourself about a professional before engaging them. Ask for their licence, registration or insurance, and check it where the work is significant or regulated.
• Agree the scope, the price and the timescale in writing before work starts.
• Raise problems with the professional first, through COBRAND messaging, so there is a record.
• Reviews must describe work actually done for you.

8. Complaints

COBRAND will look at complaints about a listed professional and may suspend or remove a listing where there is evidence of misrepresentation, an invalid licence, unsafe work or repeated failure to turn up. We do not adjudicate the quality of professional work itself, and we cannot award compensation for it — that is a matter between you and the professional, and, where relevant, their regulator.

9. Removal

We may remove a professional listing where a required licence is not produced, where a regulator has acted against the professional, or where these terms are breached.

1. Running a campaign

• You set the goal, the daily budget and the duration. COBRAND does not commit your money without you confirming it.
• Every campaign is reviewed before it runs. We may decline one, or ask for changes first.
• The budget you set is reserved from your COBRAND balance when the campaign is submitted. If the campaign is declined, the reservation is returned to your balance in full.
• You may pause or stop a campaign at any time. Budget already spent on delivered advertising is not refundable; unspent reserved budget returns to your balance.

2. What your advertising may not do

Everything in Prohibited and Restricted Items applies to advertising as well as to listings. In addition, an advertisement may not:

• make a claim you cannot substantiate — about results, earnings, savings, health, safety, certification or origin;
• promise or imply a guaranteed outcome, income or cure;
• use a testimonial that was not given by a real customer about a real experience;
• use another business's name, logo or trade mark without permission, including in comparisons;
• imply endorsement by COBRAND, or use COBRAND branding as though the advertisement were ours;
• create false urgency — countdowns that reset, stock figures that are not real, or offers that never actually expire;
• target or appeal to children, or advertise age-restricted goods where under-18s will see it;
• discriminate against a protected group, or exclude people from an offer on an unlawful ground;
• mislead about who is advertising. Your business must be identifiable from the advertisement.

3. Creative you supply

You are responsible for the images, video, text and claims in your advertisement, and you confirm you hold the rights to all of it — including model releases, music licences and stock image licences. You indemnify COBRAND against claims arising from creative you supplied.

You grant COBRAND a licence to display, resize and format that creative for the placements you bought, for the duration of the campaign.

4. AI-assisted campaigns

Where COBRAND's tools help generate targeting, copy or creative, the output is a suggestion. You remain the advertiser and remain responsible for what is published: check it for accuracy, for claims you cannot support, and for anything that does not represent your business. Approving a suggestion makes it yours.

5. Measurement, forecasts and reporting

• Forecasts shown before a campaign runs are modelled estimates. They are not commitments.
• Reported impressions, clicks and spend are COBRAND's own measurements. They may differ from figures reported by your own analytics, and where they do, COBRAND's figures govern billing.
• We filter out clicks and impressions we identify as invalid — automated traffic, repeated clicks from the same source, and self-clicks. Filtered activity is not charged.
• You may not artificially inflate your own delivery figures, or click a competitor's advertising to exhaust their budget.

6. Paying for advertising

• Advertising is bought in US dollars, and the flat US$0.99 platform fee applies per funding transaction.
• Funds added to your balance are for buying advertising on COBRAND. Unused balance can be refunded to the original payment method on request, less any fee already charged.
• Delivered advertising is not refundable, and a campaign that under-performs your expectations is not grounds for a refund.
• Where a campaign was not delivered because of a fault on our side, the affected spend is credited back to your balance.

7. Suspension

We may pause or stop a campaign that breaches these terms, that generates significant complaints, or where the advertiser cannot substantiate a claim we have queried. Where a campaign is stopped for a breach, unspent budget is returned; spent budget is not.

8. Placement

We do not guarantee a particular position, page or time slot. We may move, resize or decline a placement for editorial, technical or legal reasons, and we do not place advertising beside content where it would be inappropriate.

1. Currency

COBRAND prices, charges and reports in US dollars, for everyone, everywhere. A naira figure recorded against a product is a seller's own bookkeeping reference and is never what a buyer is charged.

Your bank or card issuer sets its own conversion rate and may add a cross-border charge. COBRAND neither sets nor receives those, and cannot refund them.

2. What COBRAND charges

• The platform fee is flat — it does not rise with the value of the order.
• It is shown before a buyer confirms, and is not hidden inside the item price.
• Payment processor charges are separate, are set by the processor, and are deducted in addition.
• Where we change our fees, we will give at least 30 days' notice to affected sellers, authors and advertisers before the change takes effect.

3. How a seller is paid

1. A buyer pays. The money is held by COBRAND, not released immediately.
2. The order is dispatched and confirmed delivered.
3. The shop's stated returns window passes.
4. The balance — the item price and delivery, less the platform fee, processor charges and any refunds — is released to your verified payout details.

Holding funds until delivery is what makes the marketplace safe to buy in. It is not a charge, and the money is yours throughout.

4. How an author is paid

Book royalties are split 80% to the author and 20% to COBRAND on net receipts — the retail price after the platform fee, payment processing and any applicable tax. Royalties are calculated per sale and paid to your verified payout details. Refunded and charged-back sales are reversed out.

Where a title has more than one author, COBRAND pays the account that submitted it. Dividing that share between co-authors is a matter between them, and COBRAND will not adjudicate it.

5. Verifying your payout details

• Payouts are made only to details that have been verified, and only to an account in the name of the verified person or business.
• You are responsible for the accuracy of those details. COBRAND cannot recover money sent to details you supplied incorrectly.
• Changing payout details triggers a fresh check and may delay the next payout.
• Bank details, tax identification numbers and identity documents are collected for verification and payment only. They are never displayed publicly. See the Privacy Policy.

6. When we may hold or reverse a payout

We may hold, reduce or recover a payout where:

• an order is refunded, disputed or charged back;
• a buyer has raised a complaint that is still open;
• we have reasonable grounds to suspect fraud, counterfeit goods or another serious breach;
• verification is incomplete, or the details fail a check;
• we are required to by law, a court, or a regulator.

Where a payout has already been made and is later reversed — a chargeback, for example — the amount is recovered from your next payouts, or invoiced to you if there are none.

7. Refunds

• A refund for an item that was not as described, faulty or undelivered includes the delivery charge and the US$0.99 platform fee.
• A refund because a buyer changed their mind follows the shop's stated returns policy, and the platform fee is not returned.
• Refunds go back to the original payment method. We do not refund to a different card or account.
• How long a refund takes to appear is set by your bank, not by COBRAND.

8. Chargebacks

A chargeback raised for an order that was delivered as described is fraud. We provide the evidence we hold to the payment processor, and an account that does this repeatedly is closed. Legitimate disputes should come to us first — we can usually resolve them faster than a bank can.

9. Tax

You are responsible for your own tax. COBRAND does not give tax advice, does not calculate your liability, and does not withhold on your behalf unless the law requires it. Sellers, authors and professionals must account for VAT, income tax and any other tax due on what they earn. Where the law obliges us to report earnings or withhold tax, we will, and we will tell you.

10. Inactive balances

If a balance sits unclaimed and the account is dormant, we will attempt to contact you at the email on the account before taking any step. We do not absorb balances without notice.

1. What this covers

Copyright in text, photographs, artwork, video, music and software; registered and unregistered trade marks; and passing off. It covers product listings, shop imagery, books, articles, videos and advertising alike.

2. Reporting an infringement

Send a notice to cobrandapgp@gmail.com with "Copyright" or "Trade mark" in the subject line. To act on it we need all of the following:

1. Your details — name, postal address, email and phone number.
2. What you own — a description of the work or mark, and evidence of your rights: a registration number, a link to the original, a dated file, or a licence.
3. What infringes it — the exact location on COBRAND. For a product, the product code. For a book, the title and author. For an article, its address.
4. A statement that you believe in good faith the use is not authorised by you, your agent or the law.
5. A statement that the information in your notice is accurate, and that you are the rights holder or authorised to act for them.
6. Your signature, electronic or physical.

An incomplete notice slows everything down. We will come back to you for anything missing, but we cannot remove content on an unevidenced assertion.

3. What we do next

1. We acknowledge your notice, normally within 2 working days.
2. Where the notice is complete and the claim is made out on its face, we remove or hide the material, normally within 5 working days.
3. We tell the person who posted it what was removed, why, and who reported it — your notice is passed to them, so do not include anything in it you are not willing for them to see.
4. We record the report against that account.

4. If your content was removed and you disagree

Send a counter-notice to the same address with:

• your details and the material that was removed;
• why you believe it does not infringe — you own it, you are licensed, it is out of copyright, or the use is permitted by law;
• the evidence that supports that;
• a statement that what you say is accurate.

We pass the counter-notice to the person who complained. If they do not pursue the matter within 10 working days, we may restore the material. Where the two sides genuinely disagree on the law, this is not something COBRAND can decide — it belongs in court, and we will keep the material down until it is resolved or one side withdraws.

5. Repeat infringers

1. First upheld report — material removed, warning recorded.
2. Second — the arm concerned is suspended pending review.
3. Third — the account is closed. Outstanding legitimate payouts are still paid, less anything owed.

A single deliberate act — uploading a pirated book, or listing counterfeits at scale — can close an account at the first instance.

6. False and abusive reports

Reporting content you know does not infringe, in order to remove a competitor, is an abuse of this process. We may reject further notices from you, restore what was taken down, and where the conduct is serious, you may be liable to the person whose content you had removed.

7. COBRAND's own rights

The COBRAND name, logo, page designs, written material and software are ours. Using them without permission — including presenting a COBRAND page as your own site, or using the mark to imply a partnership — will be pursued through this same process, from the other side.

8. Where to send it

COBRAND, Ibadan, Oyo State, Nigeria. Email cobrandapgp@gmail.com. Notices sent through WhatsApp or social media are not a substitute for a written notice and may not be actioned.

1. Rules that apply to every offer

• One offer per person and per business, unless the offer says otherwise.
• Offers cannot be combined with each other unless we say they can.
• Offers have no cash value, cannot be exchanged for cash, and cannot be sold or transferred.
• Offers apply to COBRAND's own charges. They never reduce payment processor charges, delivery charges, taxes, or money owed to a seller or author.
• We may withdraw or change an offer at any time. Withdrawal does not affect an offer already properly claimed.
• Where an offer is claimed by fraud, by duplicate accounts, or by manipulating the rules, we may cancel it, reverse the benefit, and close the accounts involved.
• Our decision on eligibility is final.

2. Founding business offer — 30% off

• Open to new business accounts only — a business that has not held a COBRAND shop before.
• Limited to the first 500 businesses to join. Once that number is reached the offer closes, whether or not it is still shown somewhere on the site.
• The discount runs for three months from the date the shop goes live, not from the date the account was created.
• It applies to COBRAND's own charges during that period — the platform fee and any COBRAND service charge. It does not reduce payment processor charges, delivery costs, taxes, advertising budget paid to third parties, or the price of goods.
• No card is needed to start. Ordinary charges resume automatically at the end of the three months.
• Closing and reopening a shop does not restart the three months.

3. Referrals — how it will work

When the programme launches, each account will have a referral link. A referral counts when the person you introduced:

1. signs up through your link, on an account that has never existed on COBRAND before;
2. verifies their email address; and
3. completes a qualifying action — for a shop, going live with at least one approved product; for a publisher, having a first title approved; for a buyer, completing a first paid order.

A reward is credited after the qualifying action, and after any returns or cancellation window on it has passed.

4. Who you may refer

• Real people and real businesses you actually know of.
• Not yourself, under another name, email address or device.
• Not a business you already control, or an account you already hold.
• Not someone who already has a COBRAND account.

5. How you may not promote a referral link

• No spam — unsolicited bulk email, bulk messaging, or comment spam.
• No paid search advertising on the COBRAND name or its misspellings.
• No coupon, cashback or deal sites without our written agreement.
• No impersonating COBRAND, or implying you speak for us.
• No promising anything on COBRAND's behalf that is not in these terms.
• No automated sign-ups, bots or scripted account creation.

Breaking these rules cancels unpaid rewards and may close your account.

6. Credits and how they are used

• Rewards are issued as COBRAND account credit in US dollars.
• Credit is applied against COBRAND's own charges. It is not withdrawable as cash and is not paid out with your earnings.
• Credit expires 12 months after it is issued if it has not been used.
• Credit is not transferable between accounts.
• If the referred account is refunded, closed as fraudulent, or reversed, the reward is reversed with it.

7. Tax on rewards

Any tax arising on a reward is yours to account for. Where the law requires COBRAND to report or withhold, we will.

8. Changes

We may change or end the referral programme with 30 days' notice. Credit already earned remains valid to its expiry date. Questions go to cobrandapgp@gmail.com.