Please read these terms carefully before using AcrossMart
Last Updated: 15 October 2026
Welcome to AcrossMart, an online marketplace that brings buyers directly to sellers across the markets of Nigeria. AcrossMart and its partners ("AcrossMart", "we", "us", "our" or the "Platform") provide services that place buyers in real-time contact with sellers in Nigeria's physical markets through one convenient platform.
When a buyer requests a product, they receive offers from sellers, compare them and select the offer or offers they prefer. Payment is released to the seller only once the buyer, directly or through a proxy such as a family member, friend or delivery partner, has inspected the product and is satisfied with it. AcrossMart offers a seamless virtual journey across Nigeria's markets, with the added advantage of actual, competitive and standard prices for their products. Simply put: Bringing Market to You.
AcrossMart is operated by AcrossMart Nigeria Limited (RC No. 1946934), with its head office at 65 Rijiyar Zaki Qtrs, Kano, Kano State, Nigeria.
All of our guidelines, regulations, policies, terms and conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
By using our services, whether as a buyer, a seller or otherwise, you voluntarily, unreservedly, irrevocably, wilfully, knowingly and unconditionally confirm that you have read, understood and agreed to all of our guidelines, regulations, policies, terms and conditions in full, as they may be modified at any time, in any manner and in any place, with or without prior notice. If you do not agree to any part of them, you are not eligible to use our services, and any use in those circumstances is unlawful.
"You" and "your" refer to the individual user, company, entity or other relevant person or authority, unless the context requires otherwise.
Your use of our services also constitutes your consent to our use of your data to reach and communicate with you, online and offline, in strict adherence to applicable law, and your confirmation that such communication satisfies all legal requirements. You will use our services in strict compliance with applicable laws and with our guidelines, regulations, policies, terms and conditions, and you will not use them for any unintended, unauthorised or unlawful purpose.
You acknowledge and agree that the Platform only provides an avenue for buyers to buy and sellers to sell authentic, genuine and legitimate products under a contract that comes into effect between the buyer and the seller. At AcrossMart, what you request is what you receive, inspect, test, approve and buy, through a secured and protected pay-on-delivery system. AcrossMart: built with trust; buy with security.
An account may be required to complete transactions or to access certain services, and you may be asked to provide a valid means of payment. If you register as a representative of an organisation, you confirm that you are authorised to do so by that organisation under applicable laws, guidelines, regulations, policies, terms and conditions.
Once access to an account is granted, it remains available indefinitely except in the event of a breach or a penalty. At our sole discretion, we reserve the right to impose or charge a penalty in respect of any breach, and the penalty may vary in proportion to the breach.
When using our services, you may choose the secured payment option you prefer and will be redirected to the checkout page of the relevant payment processor. Payment options can be changed at your discretion. All data you enter is secured, and we receive only the information relevant to the transaction.
You are solely responsible for maintaining the confidentiality of your account and are solely liable for all activities and actions carried out under it. We will never ask you for your password or other confidential details.
Buyers use the Platform to request and purchase products. Sellers operate stores on the Platform and are additionally bound by the Seller Terms.
When a buyer purchases a product, AcrossMart holds the payment, issues the buyer a unique Order Acceptance Code and reveals the seller's business information. When the buyer, directly or through a proxy such as a family member, friend or delivery partner, reaches the seller, they inspect the product and, if satisfied, issue the Order Acceptance Code to the seller. The seller then authenticates the code against that order on their AcrossMart platform. Once verified, both parties are notified instantly, the payment is transferred automatically to the seller's dedicated bank account, and the buyer officially receives and accepts the product as is. This completes the transaction.
If, on inspection, the product does not meet the buyer's satisfaction, the buyer may decline by withholding the Order Acceptance Code and selecting the reject option on the order in their AcrossMart platform. The amount paid is then reversed to the buyer's account automatically, exclusive of transfer charges. The same applies where a seller cancels the order, for example because the product was sold in person before the buyer arrived to inspect it. Equally, if we cancel any product or service you have paid for but not received, we will refund you in respect of it.
All rights and privileges accorded to conventional buyers, including but not limited to the issuance of receipts and invoices, applicable warranty periods, and traditional returns and refunds, are duly preserved.
Sellers may opt for AcrossMart's native advertising, a paid service that increases the visibility of their products by showcasing them at strategic locations on the Platform.
After a transaction is completed, a minimum 48-hour return window applies to products the seller has marked as eligible for return, during which the buyer may dispute the transaction should there be reason to. Once the dispute window closes, the buyer acknowledges the product "as is", "as available" and "with all faults, if any", and waives the right to return, replacement or refund.
Whether a product is eligible for return is at the sole discretion of the seller, and every offer a seller makes must state its returnability. Where a product is marked eligible, AcrossMart's 48-hour dispute window becomes active when the order is accepted, and the buyer is entitled to a return or refund within it. The returnability of each offer is shown on the order, and it is at the buyer's discretion to choose an offer that is eligible for return or not.
AcrossMart's obligations and liabilities end at the point where the buyer and seller agree to exchange the Order Acceptance Code. Buyers and sellers remain free to make local arrangements between themselves regarding extended returnability, refundability, shipment and similar matters.
We are committed to buyer satisfaction while maintaining fairness to sellers. For eligible products, an order may be disputed and returned for replacement or refund should there be reason to. All returns are subject to compliance with applicable traditional policies and governing laws, and the item must be in its original packaging, unaltered and undamaged. Return shipping costs are the responsibility of the buyer unless the return is due to a Platform error.
AcrossMart takes a customary position in settling disputes. Where a dispute is settled in favour of the buyer, processing timelines may vary but typically range from 5 to 14 business days after resolution.
The Platform reserves the exclusive right to determine eligibility for returns and refunds, to conduct investigations and inspections, to resolve disputes between buyers and sellers, and to make final and binding decisions on all such matters. To the maximum extent permitted by law, AcrossMart is not liable for indirect, incidental or consequential losses arising from return or refund decisions, including but not limited to loss of use, loss of profit or business interruption.
When you refer a buyer or a seller, you earn a points commission on their completed orders, automatically and on an ongoing basis, with no limit on the number of users you may refer or on the points you may earn. Points can be used to make purchases on the Platform. Unused points expire at the end of each year.
When a user you referred buys a product, you earn 1% of the purchase value. When you refer a seller, you earn 2% on all sales they make, continually and on an ongoing basis.
To use our services you must be law-abiding. To that extent and where applicable, you shall register and comply with all relevant authorities, including but not limited to tax, ethical, industry best practice and association requirements.
You undertake to provide lawful, accurate, complete and up-to-date information in your account, and not to provide any inconsistent, false or misleading information about yourself, your identity or your location. You will update your information promptly so that it remains lawful, accurate, complete and current.
You must not do anything that interferes with the normal operation of the Platform, or carry out any systematic or automated data collection of any kind on or in relation to it. You will not post, distribute or provide access to any malware. Direct or indirect posting of competing websites, information, pages or persons is strictly prohibited.
Any direct transaction between you and parties you may otherwise come across through AcrossMart, including parties whose contact details, physical location or other information you obtained through the Platform, falls outside the scope of these terms and conditions and of our services, as do the liabilities associated with it.
The contract of usage, however inferred, referred to or formed, is accepted by you "as is", "as available" and "with all faults, if any". AcrossMart uses cookies and similar tracking technologies to enhance the user experience, analyse usage patterns and improve service delivery; by using our services you grant us permission to use cookies on your device.
AcrossMart makes no warranty of any kind, and disclaims all warranties, as to the operation of its services and as to all content and information. You acknowledge that we do not confirm the identity or bona fides of all users, that we do not systematically check or monitor the information contained in product offerings, and that we are not the agent of any user. We are not liable for any user, information, product or contract. You expressly consent to use our services at your own risk.
You indemnify us and undertake to keep us indemnified. To the full extent permitted by law, AcrossMart will not be liable for any damages, costs, losses, liabilities or expenses, including legal expenses we incur or pay in the settlement of any dispute, arising directly or indirectly from your use of any of our services, or from any content, information or other service included in or otherwise made available to you through any AcrossMart service, including but not limited to consequential, direct and indirect damages. If we are charged, sued, fined or otherwise incur expenses as a result of a user, that user shall indemnify us in respect of them.
In no event shall we be liable for any failure to comply with our terms where that failure arises from circumstances outside our control. All articles of agreement, usage and information are legally binding by reference and are subject to review, change, modification or upgrade at any time, before or after users are notified. At our sole discretion, we may assign, share, alter, stop or transfer any or all of our rights, titles and obligations to any party, anywhere, in any manner and at any time, with or without prior notice, and users will not be entitled to any compensation or payment in cash or in kind.
Any resolution or dispute, whether or not arising from the use of our services, shall be subject to the exclusive jurisdiction of Kano State, Nigeria. If any of these conditions is adjudged null, it shall be treated as severable and, to the extent of its severability, shall not affect the validity and enforceability of any other condition.
All rights reserved. Content on the Platform is the sole property of AcrossMart and/or its content suppliers and is protected by Nigerian and international copyright laws. All rights not expressly granted to you are reserved by AcrossMart and/or the respective providers. Our services must not be misused and should be used only as intended and to the extent permitted by governing law.
Our registered and unregistered trademarks belong to us, and we grant no permission for their use without our explicit written consent. Third-party registered and unregistered service marks appearing on the Platform are the property of their respective owners, and we cannot grant permission for their use.
AcrossMart reserves the right to update, modify or change its services, guidelines, regulations, policies, terms and conditions anywhere, in any manner and at any time, with or without prior notice. These terms may be updated periodically, and the "Last Updated" date above reflects the current version. Your continued use of the Platform constitutes acceptance of the most current version.
Sellers should also review the Seller Terms, which form part of these terms for anyone operating a store.
If you have questions about these Terms, please contact us through our dedicated channels: