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📄 Legal

Terms of Service

These are the rules of the Luuk marketplace. Written plainly so you actually understand what you're agreeing to.

Effective: 1 January 2026
Last updated: 1 June 2026
Governing law: Laws of Nigeria
TL;DR — The Short Version

What you're agreeing to, in plain English.

✅Using Luuk means you agree to these terms. If you don't agree, please don't use the platform.
🔞You must be 18 or older to use Luuk. By creating an account you confirm you are.
🏪Sellers are responsible for accurately representing their products. Misleading listings will result in account suspension.
🔒Escrow is the default payment protection. Attempting to circumvent escrow to complete off-platform payments is a violation of these terms.
⚖️Luuk mediates disputes fairly. Our rulings on disputes are final within the platform.
🚫Fraud, fake listings, scam behaviour, and harassment will result in permanent bans and may be reported to Nigerian authorities.

1. Acceptance of Terms

By downloading the Luuk app, creating an account, or using any part of the Luuk platform (the "Service"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.

These Terms constitute a legally binding agreement between you and Luuk Marketplace Limited ("Luuk", "we", "our", or "us"), a company registered in the Federal Republic of Nigeria.

If you are using Luuk on behalf of a business, you represent that you have authority to bind that business to these Terms.

2. Eligibility

You must be at least 18 years old to create a Luuk account and use the Service. By registering, you represent and warrant that you meet this age requirement.

You must have a valid Nigerian phone number and bank account to complete transactions on the platform. Sellers must additionally provide a government-issued ID for verification.

Luuk reserves the right to refuse service or terminate accounts where eligibility requirements are not met.

3. Your Account

Account creation

You must provide accurate, complete information when creating your account. You are responsible for keeping your account information up to date.

Account security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify Luuk immediately at security@luuk.com.ng if you suspect unauthorised access.

One account per person

Each person may hold one buyer account and one seller account. Creating duplicate accounts to evade suspensions or circumvent platform rules is prohibited.

4. Buyer Rules

  • You agree to pay for items you purchase and not to initiate chargebacks for legitimate transactions.
  • When using escrow, you must confirm delivery honestly. Falsely claiming non-delivery to retain escrow funds is fraud and will result in account termination and potential legal action.
  • You must confirm or dispute delivery within the stated window (typically 3 days). Failure to act will trigger automatic payment release to the seller.
  • Luuk coins are non-transferable, have no cash value, and expire 12 months after the last account activity.
  • Negotiation offers made through the app are binding upon seller acceptance. You must complete the purchase if your offer is accepted.

5. Seller Rules

Accurate representation

Your product videos and descriptions must honestly represent the exact item being sold — its condition, size, colour, and any defects. Items that arrive materially different from their listing will trigger a full refund and may result in account suspension.

Prohibited items

The following may not be listed on Luuk under any circumstances:

  • Counterfeit, pirated, or trademark-infringing goods
  • Weapons, firearms, or ammunition
  • Controlled substances or pharmaceutical drugs without proper licensing
  • Stolen goods or items of uncertain ownership
  • Adult content or sexually explicit material
  • Any item whose sale is prohibited under Nigerian law

Shipping obligations

Sellers must ship orders within the timeframe stated in their listing (default: 2 business days). Consistent failure to ship on time will result in account restrictions.

Fees

Listing on Luuk is free. Luuk charges a platform service fee on completed transactions, deducted from the seller's payout. The current fee schedule is published in the Seller Dashboard and may be updated with 30 days' notice.

💡 Boost fees are charged when a buyer watches your boosted video. You are only charged for genuine views, not impressions.

6. Payments & Escrow

Escrow

When a buyer pays via Luuk Escrow, funds are held by Luuk as a neutral third party. Escrow funds are released to the seller only upon the buyer's delivery confirmation or automatic release after the confirmation window closes.

Off-platform payments prohibited

🚫 Sellers and buyers must not arrange payment outside the Luuk platform. Soliciting off-platform payments ("send me cash on WhatsApp") is a serious violation that will result in immediate permanent account suspension for both parties.

Refunds

Buyers are entitled to a full refund if: (a) the item is not shipped within the agreed window; (b) the item is materially different from the listing; or (c) the item is not delivered and a dispute is resolved in the buyer's favour.

Payouts

Seller payouts are processed to the bank account registered in the Seller Dashboard. Luuk is not responsible for delays caused by Nigerian interbank transfer systems. If a payout is not received within 48 hours of release, contact support@luuk.com.ng.

7. Prohibited Conduct

The following behaviours will result in immediate suspension or permanent ban:

  • Creating fake accounts, fake reviews, or fake engagement on listings
  • Attempting to manipulate the coin system through artificial viewing behaviour
  • Harassment, threats, or abusive communications to other users
  • Impersonating Luuk, Luuk employees, or other users
  • Attempting to access or tamper with Luuk's systems, APIs, or databases without authorisation
  • Using Luuk for money laundering, fraud, or any activity that violates Nigerian law
  • Circumventing account suspensions by creating new accounts

Luuk cooperates with the Nigerian Police Force, the Economic and Financial Crimes Commission (EFCC), and other relevant authorities in investigations involving platform fraud.

8. Dispute Resolution

In the event of a buyer-seller dispute, the following process applies:

  1. Raise a dispute through the in-app dispute system within 3 days of the delivery confirmation window opening.
  2. Submit evidence. Both buyer and seller have 48 hours to submit photos, videos, and messages as evidence.
  3. Luuk reviews all submitted evidence and issues a ruling within 24 hours of the evidence deadline.
  4. Ruling is final. Luuk's dispute ruling is final within the platform. Either party may pursue external legal remedies under Nigerian law if they believe the ruling was unlawful.

Luuk is an independent mediator in disputes. We do not take sides — we review evidence. Submitting false evidence in a dispute is grounds for permanent account termination.

9. Content & Intellectual Property

Your content

You retain ownership of all content you post on Luuk — videos, photos, and product descriptions. By posting content, you grant Luuk a non-exclusive, royalty-free, worldwide licence to display, distribute, and promote your content for the purposes of operating the marketplace.

Luuk's intellectual property

The Luuk name, logo, app design, and platform technology are the property of Luuk Marketplace Limited. You may not use them without prior written permission.

Copyright infringement

If you believe content on Luuk infringes your copyright, contact legal@luuk.com.ng with details of the infringement and we will investigate.

10. Suspension & Termination

Luuk may suspend or terminate your account at any time for violations of these Terms. We will generally provide notice and an opportunity to appeal, except where:

  • Immediate action is required to prevent harm to other users
  • The violation involves fraud, illegal activity, or serious safety concerns
  • The account is a repeat offender following prior warnings

You may close your account at any time from within the app. Closing your account does not automatically entitle you to a refund of any outstanding escrow or coin balances — these are subject to resolution of any open transactions.

11. Limitation of Liability

Luuk is a marketplace platform — we facilitate transactions between buyers and sellers but are not a party to the underlying sale contract. To the fullest extent permitted by Nigerian law:

  • Luuk is not liable for the quality, safety, legality, or delivery of items listed by sellers.
  • Luuk's total liability to any user for any claim arising from use of the platform shall not exceed the total fees paid by that user to Luuk in the 12 months preceding the claim.
  • Luuk is not liable for indirect, consequential, or incidental damages arising from use of the Service.

Nothing in these Terms limits liability that cannot be excluded under Nigerian consumer protection law.

12. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms that are not resolved through Luuk's internal dispute process shall be subject to the exclusive jurisdiction of the courts of the FCT, Abuja, Nigeria.

If any provision of these Terms is found to be unenforceable under Nigerian law, the remaining provisions continue in full force.