This document is an electronic record in terms of National Information Technology Development Agency Act, 2007 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the National Information Technology Development Agency Act, 2007. This electronic record is generated by a computer system and does not require any physical or digital signatures.

Your use of the website www.dividiconcepts.com.ng (hereinafter referred to as “DIVIDI MULTICONCEPT”) and services and tools are governed by the following terms and conditions as applicable to DIVIDI MULTICONCEPT. If you transact on DIVIDI MULTICONCEPT, you shall be subject to the policies that are applicable to the website for such transaction. By mere use of the website you shall be contracting with DIVIDI MULTICONCEPT, a company incorporated under Companies and Allied Matters Act, 1990 and with these terms and conditions constitute your binding obligations.

For the purpose of these terms of use, wherever the context so require ‘You’ shall mean any natural or legal person who has agreed to become a member of the Website by providing Registration Data while registering on the Website as a Registered User.

When you use any of the services provided by DIVIDI MULTICONCEPT, you will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, and they shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use. DIVIDI MULTICONCEPT reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, DIVIDI MULTICONCEPT grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.


Membership Eligibility

Use of the DIVIDI MULTICONCEPT Website is available only to persons who can form legally binding contracts under Nigerian governing laws. If you are a minor i.e. under the age of 16 years, you shall not register as a member of DIVIDI MULTICONCEPT and shall not transact or use DIVIDI MULTICONCEPT website. As a minor if you wish to use or transact on DIVIDI MULTICONCEPT, such use or transaction may be made by your legal guardian or parents who have registered as users of DIVIDI MULTICONCEPT. DIVIDI MULTICONCEPT reserves the right to terminate your membership and refuse to provide you with access to dividiconcepts.com.ng if it is brought to DIVIDI MULTICONCEPT’s notice or if it is discovered that you are under the age of 16 years.

Your Account and Registration Obligations

If you use DIVIDI MULTICONCEPT, you shall be responsible for maintaining the confidentiality of your User ID and Password and you shall be responsible for all activities that occur under your User ID and Password. You agree that if you provide any information that is untrue, inaccurate, not current or incomplete that DIVIDI MULTICONCEPT has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the this Terms of Use, DIVIDI MULTICONCEPT has the right to indefinitely suspend or terminate or block access of your membership with DIVIDI MULTICONCEPT and refuse to provide you with access to the Website.


When You use the Website or send emails or other data, information or communication to DIVIDI MULTICONCEPT, You agree and understand that You are communicating with DIVIDI MULTICONCEPT through electronic records and You consent to receive communications via electronic records from DIVIDI MULTICONCEPT periodically and as and when required. DIVIDI MULTICONCEPT may communicate with You by email or by such other mode of communication, electronic or otherwise.


Membership on DIVIDI MULTICONCEPT is free. DIVIDI MULTICONCEPT does not charge any fee for browsing on dividiconcepts.com.ng. However DIVIDI MULTICONCEPT reserves the right to charge fee and change its policies from time to time. In particular, DIVIDI MULTICONCEPT may at its sole discretion introduce new services and modify some or all of the existing services offered on dividiconcepts.com.ng. In such an event DIVIDI MULTICONCEPT reserves, without notice to You, the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee and related policies shall automatically become effective immediately once implemented on dividiconcepts.com.ng. Unless otherwise stated, all fees shall be quoted in Nigerian Naira. You shall be solely responsible for compliance of all applicable laws including those in Nigeria for making payments to DIVIDI MULTICONCEPT.

Pay on Delivery/Commitment Fee

As e-commerce gains ground in Nigeria, many stakeholders have sacrificed a lot to see it evolving over the years against all odds.

This is the reason PAY ON DELIVERY service was introduced to bridge the TRUST ISSUES between sellers and buyers.

However, among every 12 disciples, there is a JUDAS.

There are some sellers who care more about their stomach than giving true values.

Also, there are buyers who order for products just for the fun of it and refuse to show up when the product arrives their cities.

Both are pain points.

Our company has close to 5 years reputation of selling online and we believe in giving genuine value more than anything else.

We have successfully delivered products to thousands of customers nationwide within this period.

However, just recently, we discovered that we were running into heavy, unbearable losses because of customers who placed orders on our website but refused to collect the products after we have shipped to their states. Some customers “lied” that they traveled and wouldn’t be back until after 3 months. Some denied ever placing orders. So many excuses…

As you know so well,


Because of this, our Directors have decided that we should henceforth collect a commitment fee of N1,000 from customers who place orders from outside Lagos. This is purely to sieve out serious customers from unserious ones.

Please note that this N1,000 fee is not an additional payment. This is just a part-payment of the total product fee.

For instance, if the product ordered is N15000, we require buyers outside Lagos to pay N1,000 before we send and then pay the balance of N14,000 at the point of delivery.

All payments are to be made to our company’s account.

What if something unlikely happens and we couldn’t deliver your product?

We will fully refund your commitment fee within 24 hours. If we don’t, please report us to EFCC.

Thanks for your understanding.


You shall not attempt to gain unauthorized access to any portion or feature of DIVIDI MULTICONCEPT website, or any other systems or networks connected to dividiconcepts.com.ng Website or to any DIVIDI MULTICONCEPT’s server, computer, network, or to any of the services offered on or through DIVIDI MULTICONCEPT Website, by hacking, password “mining” or any other illegitimate means.

You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person’s use of the Website.

You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to DIVIDI MULTICONCEPT on or through the Website or any service offered on or through the Website. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Website or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of DIVIDI MULTICONCEPT or others.

DIVIDI MULTICONCEPT reserves the right, but has no obligation, to monitor the materials posted on dividiconcepts.com.ng website. DIVIDI MULTICONCEPT shall have the right to remove or edit any Content that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Use. Notwithstanding this right of DIVIDI MULTICONCEPT, YOU REMAIN SOLELY RESPONSIBLE FOR THE CONTENT OF THE MATERIALS YOU POST ON THE DIVIDI MULTICONCEPT WEBSITE AND IN YOUR PRIVATE MESSAGES. Please be advised that such Content posted does not necessarily reflect the views of DIVIDI MULTICONCEPT. In no event shall DIVIDI MULTICONCEPT assume or have any responsibility or liability for any Content posted or for any claims, damages or losses resulting from use of Content and/or appearance of Content on DIVIDI MULTICONCEPT. You hereby represent and warrant that you have all necessary rights in and to all Content you provide and all information it contains and that such Content shall not infringe any proprietary or other rights of third parties or contain any libelous, tortious, or otherwise unlawful information

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through DIVIDI MULTICONCEPT, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. DIVIDI MULTICONCEPT shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on dividiconcepts.com.ng.

It is possible that other users (including unauthorized users or “hackers”) may post or transmit offensive or obscene materials on DIVIDI MULTICONCEPT and that you may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of DIVIDI MULTICONCEPT, and that the recipient may use such information to harass or injure you. DIVIDI MULTICONCEPT does not approve of such unauthorized uses but by using the DIVIDI MULTICONCEPT Website you acknowledge and agree that DIVIDI MULTICONCEPT is not responsible for the use of any personal information that you publicly disclose or share with others on DIVIDI MULTICONCEPT. Please carefully select the type of information that you publicly disclose or share with others on DIVIDI MULTICONCEPT.

DIVIDI MULTICONCEPT shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of People, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).

Contents Posted on Site

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on DIVIDI MULTICONCEPT is owned, controlled or licensed by or to DIVIDI MULTICONCEPT, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Use, no part of DIVIDI MULTICONCEPT and no Content may be copied, reproduced, re-published, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without DIVIDI MULTICONCEPT’s express prior written consent.