ACCOLADE INDEPENDENT MEDIATORS LIMITED
- REFUND POLICY
1.1 Overview
Accolade Independent Mediators Limited is committed to ensuring transparency and fairness in all financial transactions conducted through our website and digital platforms. This Refund Policy governs refunds relating to payments made for services through our website and approved payment gateways.
1.2 Eligibility for Refunds
Refunds may be granted under the following circumstances:
- Where a payment was erroneously made due to system malfunction or technical error.
- Where a service paid for cannot be delivered by Accolade Independent Mediators Limited within the agreed time.
- Where there is duplicate payment for the same service.
- Where a service paid for is materially different from the description provided at the time of purchase.
In line with Nigerian consumer protection law, customers are entitled to a refund where goods or services are not delivered as promised or are materially different from what was advertised.
1.3 Non-Refundable Circumstances
Refunds may not be granted where:
- Services have already been fully rendered.
- The request is based solely on a change of mind after service delivery.
- The service involved consultation, mediation preparation, documentation or advisory work already completed.
- The user violated the company’s Terms and Conditions.
1.4 Refund Processing
Where a refund is approved:
- Refunds will be processed through the original payment method used.
- Processing may take 7–14 business days, depending on the payment gateway or financial institution involved.
- Accolade Independent Mediators Limited reserves the right to request documentation to verify the transaction before processing refunds.
1.5 Chargebacks and Disputes
Customers are encouraged to contact Accolade Independent Mediators Limited before initiating a chargeback through their bank or payment provider. The company reserves the right to contest fraudulent or unjustified chargeback claims.
ACCOLADE INDEPENDENT MEDIATORS LIMITED
- CANCELLATION POLICY
2.1 Service Cancellation by Clients
Clients may cancel booked services under the following conditions:
- 48 hours or more before scheduled service: Full refund or rescheduling may be granted.
- Less than 48 hours before scheduled service: Partial refund (up to 50%) may be granted at the discretion of the company.
- No-show or failure to attend scheduled sessions: Payment may be forfeited.
2.2 Cancellation by the Company
Accolade Independent Mediators Limited reserves the right to cancel a service where:
- There are unforeseen operational or technical circumstances.
- The client provides false or misleading information.
- The service requested is contrary to law or public policy.
Where cancellation is initiated by the company, clients may choose either:
- A full refund, or
- Rescheduling of the service.
2.3 Payment Gateway Cancellations
Where payment transactions are pending, declined, or reversed by the payment gateway, the service request will be automatically cancelled.
ACCOLADE INDEPENDENT MEDIATORS LIMITED
- TERMS AND CONDITIONS
3.1 Acceptance of Terms
By accessing or using the website of Accolade Independent Mediators Limited, users agree to comply with these Terms and Conditions.
3.2 Services
Accolade Independent Mediators Limited provides professional mediation, dispute resolution, advisory, and related services through its digital and physical platforms.
3.3 Payment and Billing
Payments for services may be made through approved payment gateways such as:
- Debit or credit card
- Online bank transfers
- Digital payment processors
All transactions are processed through secure third-party payment processors, and Accolade Independent Mediators Limited does not store sensitive financial data such as full card numbers.
Websites that accept online payments must clearly disclose payment procedures, security practices, and dispute processes to users.
3.4 User Responsibilities
Users agree to:
- Provide accurate information during registration or booking
- Use the website only for lawful purposes
- Not attempt to interfere with the website’s security features
3.5 Limitation of Liability
Accolade Independent Mediators Limited shall not be liable for:
- Interruptions caused by third-party payment gateways
- Technical failures beyond its control
- Delays caused by financial institutions
3.6 Intellectual Property
All content on the website including text, graphics, logos, and materials are the intellectual property of Accolade Independent Mediators Limited and may not be reproduced without written consent.
3.7 Dispute Resolution
Any dispute arising from use of the website or services shall first be resolved through mediation or negotiation. Where unresolved, disputes shall be subject to the jurisdiction of competent courts in Nigeria.
ACCOLADE INDEPENDENT MEDIATORS LIMITED
- DATA PRIVACY POLICY
4.1 Introduction
Accolade Independent Mediators Limited respects the privacy of users and is committed to protecting personal data in accordance with the Nigeria Data Protection Act (NDPA) 2023 and applicable international data protection standards.
4.2 Information We Collect
We may collect the following information:
- Name
- Email address
- Phone number
- Payment transaction details
- Communication records
- Device and website usage information
4.3 Purpose of Data Collection
Your information may be used to:
- Process payments and service bookings
- Deliver mediation and dispute resolution services
- Provide customer support
- Improve our services and website functionality
- Comply with legal and regulatory obligations
4.4 Payment Information Security
Payment information is processed through secure third-party payment gateways that use encryption and industry-standard security protocols such as SSL/TLS.
Accolade Independent Mediators Limited does not store full credit or debit card details on its servers.
4.5 Data Sharing
We may share personal data only with:
- Payment processors and financial institutions
- Regulatory authorities where required by law
- Service providers assisting in website operations
We do not sell or trade personal data to third parties.
4.6 Data Retention
Personal data will be retained only for as long as necessary to:
- Fulfil the purposes outlined in this policy
- Comply with legal obligations
- Resolve disputes and enforce agreements
4.7 User Rights
Users have the right to:
- Request access to their personal data
- Request correction of inaccurate information
- Request deletion of personal data
- Withdraw consent to data processing where applicable
4.8 Cookies
Our website may use cookies and similar technologies to enhance user experience and analyse website usage.
4.9 Policy Updates
Accolade Independent Mediators Limited reserves the right to update this policy periodically. Updates will be published on the website.
4.10 Contact Information
For privacy-related inquiries or requests, please contact:
Accolade Independent Mediators Limited
Email:
Address:
Phone:
ACCOLADE INDEPENDENT MEDIATORS LIMITED
- PAYMENT / BILLING POLICY
5.1 Introduction
This Payment and Billing Policy governs all payments made for services provided by Accolade Independent Mediators Limited through its website and digital platforms. By making a payment through the website, users agree to comply with this policy.
5.2 Accepted Payment Methods
Accolade Independent Mediators Limited accepts payments through secure third-party payment gateways including:
- Debit and credit cards
- Online bank transfers
- Mobile money or digital wallets (where applicable)
Payments are processed through secure payment processors such as Paystack, Flutterwave, or other approved financial service providers.
5.3 Payment Authorization
By providing payment details on the website, users confirm that:
- They are authorized to use the payment method provided.
- All information supplied is accurate and complete.
- They consent to the authorization and processing of the payment.
Unauthorized or fraudulent use of payment instruments is strictly prohibited and may be reported to relevant authorities.
5.4 Billing Confirmation
Upon successful payment:
- The user will receive a transaction confirmation email or receipt.
- The receipt will include transaction details such as amount paid, service description, and payment reference number.
Users are advised to retain payment receipts for their records.
5.5 Pricing and Currency
All prices for services are displayed in Nigerian Naira (₦) unless otherwise stated.
Accolade Independent Mediators Limited reserves the right to update pricing without prior notice; however, such changes will not affect payments already completed.
5.6 Payment Security
Accolade Independent Mediators Limited prioritizes payment security and ensures that:
- Transactions are encrypted using Secure Socket Layer (SSL) technology.
- Sensitive payment information is processed through PCI-DSS compliant payment gateways.
- The company does not store full card details on its servers.
5.7 Failed or Declined Transactions
A transaction may fail or be declined due to:
- Insufficient funds
- Card authorization failure
- Network or technical errors
- Payment gateway restrictions
Where a transaction fails, the user may attempt payment again or contact their bank or payment provider.
5.8 Fraud Prevention
Accolade Independent Mediators Limited reserves the right to:
- Verify transactions suspected to be fraudulent.
- Suspend or cancel services associated with suspicious transactions.
- Report fraudulent activity to financial institutions and law enforcement authorities.
5.9 Taxes and Regulatory Charges
Where applicable, payments may include taxes, regulatory charges, or service fees as required under Nigerian law.
ACCOLADE INDEPENDENT MEDIATORS LIMITED
- WEBSITE DISCLAIMER & ACCEPTABLE USE POLICY
6.1 General Disclaimer
The information and services provided on the Accolade Independent Mediators Limited website are intended for general informational and professional service purposes only.
While the company makes reasonable efforts to ensure accuracy, it does not guarantee that all information on the website is complete, current, or error-free.
6.2 Professional Services Disclaimer
The mediation and dispute resolution services provided by Accolade Independent Mediators Limited are intended to assist parties in resolving disputes amicably.
However:
- Outcomes of mediation are not guaranteed.
- The company does not provide legal representation unless expressly stated.
- Users may be advised to seek independent legal or professional advice where necessary.
6.3 Third-Party Services Disclaimer
The website may integrate or link to services provided by third parties including payment processors, financial institutions, and communication platforms.
Accolade Independent Mediators Limited shall not be liable for:
- Service interruptions from third-party providers
- Security breaches originating from external platforms
- Transaction delays caused by banks or payment gateways
6.4 Acceptable Use of the Website
Users agree to use the website only for lawful purposes. Users must not:
- Engage in fraudulent or deceptive activities
- Upload malicious software, viruses, or harmful code
- Attempt to gain unauthorized access to the website or its systems
- Interfere with the operation or security of the website
- Use the website to transmit unlawful, defamatory, abusive, or offensive material
6.5 User Content
Where users submit information, documents, or communications through the website, they agree that:
- The content provided is lawful and accurate.
- They have the necessary rights or authority to submit such content.
- The company may process the content in accordance with its Data Privacy Policy.
6.6 Suspension of Access
Accolade Independent Mediators Limited reserves the right to suspend or terminate access to the website where users violate this policy or engage in unlawful activities.
6.7 Limitation of Liability
To the fullest extent permitted by law, Accolade Independent Mediators Limited shall not be liable for:
- Indirect or consequential damages arising from the use of the website
- Losses caused by technical interruptions
- Errors or delays in electronic communications
6.8 Governing Law
This policy shall be governed by the laws of the Federal Republic of Nigeria, and any dispute arising from the use of the website shall be subject to the jurisdiction of Nigerian courts.