Refund, Cancellation, Returns & Booking Policy

This Policy applies, where applicable, to transactions through all Titaar marketplace categories, including:

1. Titaar Magazine Center
2. Titaar Music Center
3. Titaar Digital Assets Center
4. Titaar Software & Digital Tools Center
5. Titaar Kitchen Center
6. Titaar Food & Farm Market
7. Titaar Fashion Center
8. Titaar Automotive Center
9. Titaar Home & Living Center
10. Titaar Electronics & Gadget Center
11. Titaar Health, Sport & Fitness Center
12. Titaar Kids & Parenting Center
13. Titaar Agricultural Center
14. Titaar Creative Services Center
15. Titaar Church & Ministry Center
16. Titaar Wedding & Marriage Center
17. Titaar Gift & Personalized Products Center
18. Titaar Bundle Center
19. Titaar Subscription Center

It also applies to:

• Hotel and accommodation bookings
• Apartment and resort bookings
• Flight and air-ticket bookings
• Travel-related bookings and services
• Events and tickets
• Courses and training
• Memberships
• Coaching and professional services
• Digital products
• Physical products
• Subscriptions
• Bundles and packages
• Other approved Titaar marketplace offerings

The refund and cancellation terms displayed to the Buyer before completing a transaction form part of the applicable transaction terms.

For bookings, subscriptions, services, bundles and other products where special conditions apply, Titaar may display:

• Cancellation deadline
• Cancellation fee
• Refund percentage
• Non-refundable amount
• Change fee
• Rescheduling conditions
• Credit/voucher conditions
• No-show conditions
• Expiration date
• Booking modification rules

Buyers should review these terms before completing payment.

Titaar operates marketplace technology and may facilitate:

• Discovery
• Booking
• Ordering
• Payment
• Communication
• Refunds
• Cancellations
• Dispute resolution

Unless expressly stated otherwise, the underlying Merchant, hotel, airline, travel provider, service provider or other supplier remains responsible for delivering the purchased product or service.

Titaar may establish additional protections for Buyers and may intervene where necessary.

A refund may be available where:

• An order is cancelled under its applicable terms.
• A Merchant fails to fulfil an order.
• A product is materially different from its description.
• A product is materially defective.
• A service is not provided as agreed.
• A booking is cancelled under the applicable booking terms.
• A hotel or accommodation provider cannot honour a confirmed booking.
• A flight is cancelled and the applicable airline/ticket rules provide a refund.
• A subscription is cancelled within its applicable cancellation period.
• An event is cancelled.
• A duplicate payment occurs.
• A transaction was unauthorized or fraudulent.
• Titaar determines that a refund is appropriate.
• A refund is required under applicable law.

A change of mind does not automatically create a refund right unless the applicable product terms or mandatory law provides otherwise.

This includes:

• E-books
• Audiobooks
• Digital documents
• Video products
• Digital resources
• Downloads
• Digital assets
• Other electronically delivered products

Because digital products may be delivered or accessed immediately, refunds may be restricted after access or download where legally permitted.

A refund may nevertheless be available where:

• The wrong product was delivered.
• The product cannot reasonably be accessed.
• The product is materially defective.
• The product materially differs from its description.
• The transaction was duplicated.
• The transaction was unauthorized.
• Applicable law requires a refund.

For products offered through the Titaar Magazine Center and Titaar Music Center, refund eligibility may depend on whether the content has already been accessed, downloaded or streamed.

Where content has not been accessed, a cancellation may be possible according to the applicable product terms.

Where digital access has commenced, refunds may be restricted where legally permitted.

If content is materially defective, inaccessible or incorrectly supplied, Titaar may provide:

• Replacement access
• Corrected content
• Extended access
• Partial refund
• Full refund

For the Titaar Digital Assets Center, refund rules may depend on the type of asset.

Examples include:

• Templates
• Graphics
• Digital documents
• Creative assets
• Licensable digital resources

A refund may be considered where the asset:

• Cannot be accessed
• Is materially defective
• Is materially different from the advertised product
• Was incorrectly delivered

Once a digital asset has been downloaded or accessed, change-of-mind refunds may be restricted where legally permitted.

For the Titaar Software & Digital Tools Center, refunds may depend on:

• Whether the software has been downloaded
• Whether a licence has been activated
• Whether the service has commenced
• Subscription duration
• Licence type
• Product-specific terms

If software is materially defective or does not substantially perform as described, Titaar or the Merchant may provide:

• Technical support
• Replacement
• Licence correction
• Partial refund
• Full refund

Physical products include goods sold through:

• Kitchen Center
• Food & Farm Market
• Fashion Center
• Automotive Center
• Home & Living Center
• Electronics & Gadget Center
• Agricultural Center
• Gift & Personalized Products Center
• Other physical-product categories

A refund, replacement or other remedy may be available where goods are:

• Damaged
• Defective
• Incorrect
• Missing
• Materially different from their description
• Not delivered

For the Titaar Food & Farm Market and other food-related transactions, cancellation and refund rules may be different because food may be perishable.

A refund or replacement may be available where:

• The wrong food was delivered.
• The order was materially incomplete.
• The food arrived damaged.
• The food was spoiled or unsafe.
• The order was not delivered.

Buyers should report food-quality or safety problems as soon as reasonably possible after delivery.

Where food is correctly prepared and delivered, change-of-mind cancellations may not be available where legally permitted.

For the Titaar Fashion Center, return eligibility may depend on:

• Product condition
• Size
• Customization
• Hygiene requirements
• Whether the item has been worn
• Whether tags remain attached
• Merchant’s stated return terms

Personalized or customized products may be non-refundable except where defective, incorrectly produced or otherwise subject to a mandatory legal remedy.

For the Titaar Automotive Center, rules may differ between:

• Vehicle sales
• Vehicle parts
• Accessories
• Repairs
• Servicing
• Inspection
• Automotive services

A Buyer should review the specific transaction terms before purchase.

Vehicle purchases may involve separate contracts, inspections, title/registration requirements and jurisdiction-specific consumer laws.

For the Titaar Electronics & Gadget Center, refunds or replacements may apply where:

• The product is defective.
• The wrong product was supplied.
• The product is materially different from the listing.
• The product was damaged before or during delivery.

Warranty rights may be provided by the manufacturer, Merchant or applicable law.

Buyers should retain relevant:

• Receipts
• Packaging
• Serial numbers
• Accessories
• Warranty documentation

For the Titaar Health, Sport & Fitness Center, refund and return rules may depend on:

• Product type
• Hygiene considerations
• Whether the product has been opened
• Applicable health regulations
• Merchant terms

Medicines, regulated medical products and other restricted health products may be subject to additional legal requirements.

Nothing in this Policy guarantees a refund for a health product where applicable law or the product terms lawfully exclude returns.

Products sold through the Titaar Kids & Parenting Center may be subject to additional safety requirements.

A refund or replacement may be available where a product is:

• Defective
• Unsafe
• Incorrect
• Damaged
• Materially different from its description

Where a safety issue is identified, Titaar may suspend the listing and investigate.

For the Titaar Agricultural Center, refund terms may depend on:

• Product type
• Seeds
• Plants
• Livestock-related products
• Equipment
• Agricultural inputs
• Perishability
• Regulatory requirements

Perishable or time-sensitive agricultural products may have restricted cancellation rights.

For the Titaar Creative Services Center, services may include:

• Design
• Writing
• Photography
• Video
• Branding
• Consulting
• Other creative services

Refunds may depend on:

• Whether work has commenced
• Percentage of work completed
• Deliverables supplied
• Cancellation timing
• Service-provider terms

Where a service provider materially fails to deliver the agreed service, Titaar may facilitate an appropriate remedy.

For the Titaar Church & Ministry Center, transactions may include:

• Books
• Sermons
• Courses
• Conferences
• Events
• Training
• Memberships
• Ministry resources
• Tickets

Refunds are governed by the applicable product or event terms and applicable law.

Donations or voluntary contributions, where separately identified as donations and legally treated as such, may be subject to different rules and may not constitute purchases.

For the Titaar Wedding & Marriage Center, transactions may include:

• Wedding services
• Venues
• Vendors
• Photography
• Planning services
• Courses
• Event services
• Marriage resources

Cancellation terms should be clearly disclosed before payment.

Because wedding services are frequently date-specific and customized, deposits and bookings may be non-refundable or subject to cancellation charges where legally permitted.

For the Titaar Gift & Personalized Products Center, customized products may be non-refundable because they are produced specifically for the Buyer.

A refund or replacement may nevertheless be available where:

• The personalization is incorrect because of Merchant error.
• The product is defective.
• The wrong product was supplied.
• The product materially differs from the approved specification.

For the Titaar Bundle Center, a bundle may contain multiple products or services sold together at a combined price.

Where a Buyer requests a refund:

• The refund may apply to the entire bundle.
• A partial refund may apply where one component is unavailable or defective.
• Individual components may not be separately refundable where the bundle was clearly sold as a single package.

Where individual components have already been accessed or consumed, applicable refund rules may take that into account, subject to applicable law.

For the Titaar Subscription Center, subscriptions may include:

• Digital memberships
• Courses
• Publications
• Software
• Communities
• Services
• Other recurring offerings

Subscription pages should clearly state:

• Price
• Billing frequency
• Renewal date
• Cancellation process
• Cancellation deadline
• Refund rules

Automatic renewal

Where a subscription automatically renews, Titaar or the Merchant should provide appropriate renewal information and cancellation mechanisms as required by applicable law.

Cancellation

Unless otherwise stated, cancelling a subscription generally prevents future renewal but does not automatically refund previously completed billing periods.

Where applicable law provides a cooling-off or cancellation right, that right will apply.

Titaar may facilitate bookings for:

• Hotels
• Resorts
• Apartments
• Short-term accommodation
• Vacation properties
• Other approved accommodation providers

Accommodation bookings are often subject to property-specific cancellation policies.

Before payment, the Buyer should be shown:

• Check-in date
• Check-out date
• Number of guests
• Room/property type
• Price
• Taxes and fees
• Cancellation deadline
• Refund amount
• No-show rules
• Modification rules
• Check-in requirements

Refundable bookings

Where a booking is identified as refundable, cancellation within the stated free-cancellation period may qualify for a full or specified refund.

Partially refundable bookings

Cancellation may result in:

• Partial refund
• Cancellation fee
• Loss of deposit

according to the booking terms.

Non-refundable bookings

Where clearly identified before purchase, a booking may be non-refundable except where:

• The accommodation provider cannot honour the booking.
• Titaar or the provider cancels the booking.
• Applicable law provides a mandatory remedy.
• The provider agrees to an exception.

No-show

Failure to check in without cancellation may result in loss of the applicable booking amount according to the stated booking terms.

Accommodation unable to honour booking

If a confirmed accommodation provider cannot honour a booking, Titaar may seek to arrange:

• Alternative accommodation
• Rebooking
• Refund
• Other appropriate remedy

subject to availability and applicable terms.

Titaar may facilitate airline and air-ticket bookings through approved travel providers, airlines or booking partners.

Flight tickets are subject to the fare rules, airline conditions and applicable aviation laws associated with the ticket.

Before payment, the Buyer should be shown, where available:

• Airline
• Flight number
• Departure
• Arrival
• Date
• Fare class
• Baggage allowance
• Change conditions
• Cancellation conditions
• Refund conditions
• Applicable fees

Refundable tickets

A refundable ticket may be refunded according to the applicable fare rules.

Non-refundable tickets

A non-refundable fare may not be refundable except where:

• The airline permits a refund.
• The flight is cancelled under applicable airline rules.
• The airline materially changes the itinerary and applicable rules provide a remedy.
• Applicable law requires a refund.

Airline cancellation

If an airline cancels a flight, the available remedy will depend on:

• Airline policy
• Fare conditions
• Applicable aviation regulations
• Route
• Departure/arrival jurisdiction
• Payment-provider procedures

Possible remedies may include:

• Refund
• Rebooking
• Travel credit
• Alternative itinerary

Passenger cancellation

If a passenger voluntarily cancels a ticket, the applicable airline fare rules and cancellation charges will determine the refund.

No-show

Failure to appear for a flight may result in loss of the fare or additional consequences according to the applicable airline rules.

Name changes

Name corrections or passenger changes may be subject to airline restrictions and fees.

Travel documentation

The Buyer is responsible for ensuring that they have the necessary:

• Passport
• Visa
• Transit authorization
• Vaccination documentation where required
• Other travel documents

Titaar does not guarantee entry into any country.

Where Titaar acts as a marketplace or booking interface for a third-party airline, hotel, travel company or booking provider, the third party’s applicable booking terms may also apply.

The Buyer should review those terms before completing the booking.

For conferences, concerts, weddings, classes, ministry programs and other events:

If the organizer cancels the event, Buyers may receive the remedy stated in the event terms and required by applicable law.

If the event is postponed, Buyers may be offered:

• New-date attendance
• Transfer
• Credit
• Refund

depending on the event terms and applicable law.

Refund eligibility may depend on:

• Whether access has commenced
• Course duration
• Amount of content accessed
• Live sessions attended
• Merchant’s stated policy
• Applicable law

If a course is cancelled by the provider before delivery, an appropriate refund may be available.

For memberships:

• Cancellation generally applies to future periods.
• Previously completed periods may not be refundable.
• Promotional pricing may have special conditions.
• Mandatory consumer cancellation rights remain applicable.

For pre-orders, the applicable product page should state:

• Expected availability
• Estimated delivery
• Cancellation terms
• Deposit requirements
• Refund conditions

If the Merchant cannot fulfil the pre-order, the Buyer may be entitled to an appropriate refund.

Where an order contains multiple products and only some are fulfilled, Titaar may provide:

• Partial refund
• Replacement
• Store/marketplace credit where legally permitted
• Alternative product
• Full refund where appropriate

If a Buyer is charged more than once for the same transaction, Titaar may investigate and refund confirmed duplicate payments.

Suspected unauthorized transactions should be reported immediately.

Titaar may investigate and cooperate with:

• Payment providers
• Banks
• Card issuers
• Financial institutions
• Relevant authorities where legally required

A Buyer may dispute a transaction through their bank or card issuer.

Titaar may provide relevant transaction and fulfilment evidence to the payment provider.

Chargebacks are also governed by Titaar’s Payments, Disputes & Chargebacks Policy.

Where possible, refunds will be returned through the original payment method.

The time required for funds to appear may vary depending on:

• Bank
• Card issuer
• Payment processor
• Country
• Currency
• Payment network

Titaar is not responsible for delays caused solely by third-party financial institutions after Titaar has successfully initiated a refund.

Where currency conversion is involved, the amount ultimately received may differ because of:

• Exchange-rate fluctuations
• Bank fees
• Card issuer fees
• Payment-provider charges
• International transaction fees

International purchases may be subject to:

• VAT
• Sales tax
• Customs duties
• Import charges
• Tourism taxes
• Airport taxes
• Local accommodation taxes
• Other government charges

The applicable transaction or booking page should disclose known taxes and fees where reasonably possible.

Creators and Merchants must honour:

• Their published cancellation terms
• Their refund obligations
• Applicable consumer laws
• Product warranties
• Booking conditions
• Titaar policies

They must not refuse a legally required refund.

Titaar may initiate or facilitate refunds where:

• A Merchant cannot fulfil an order.
• A booking cannot be honoured.
• A transaction is fraudulent.
• A prohibited product was sold.
• A payment provider requires reversal.
• A serious service failure occurs.
• Applicable law requires a refund.

Titaar prohibits fraudulent or abusive refund behaviour, including:

• False non-delivery claims
• False damage claims
• False booking claims
• Repeated fraudulent refunds
• Downloading digital products and falsely claiming non-delivery
• Fraudulent chargebacks
• Manipulation of subscription cancellations
• Coordinated refund abuse

Titaar may restrict or suspend accounts involved in suspected abuse.

Buyers are responsible for carefully reviewing:

• Product information
• Seller information
• Booking terms
• Cancellation conditions
• Delivery information
• Subscription terms
• Travel requirements
• Event details

before completing payment.

For travel bookings, Buyers are also responsible for providing accurate passenger and booking information.

Depending on the product, Buyers may be able to change:

• Booking date
• Number of guests
• Room type
• Passenger details
• Flight
• Event date
• Service appointment
• Subscription plan

Changes may result in:

• Additional charges
• Change fees
• Fare differences
• Cancellation charges
• Loss of promotional pricing

The applicable booking terms will determine whether changes are permitted.

Certain events outside the reasonable control of Titaar or a Merchant may affect fulfilment or bookings, including:

• Natural disasters
• War
• Government restrictions
• Epidemics or pandemics
• Strikes
• Major transportation disruption
• Civil unrest
• Severe weather
• Infrastructure failures

The applicable Merchant, airline, hotel or service-provider terms and mandatory law will determine available remedies.

Titaar operates internationally.

Consumer rights vary between countries.

Nothing in this Policy is intended to:

• Exclude mandatory consumer rights
• Remove statutory cancellation rights
• Limit legally required refunds
• Exclude statutory warranties
• Restrict rights that cannot legally be waived

Where local law provides greater protection, the applicable mandatory law will prevail.

For high-value, time-sensitive or booking transactions, Titaar should display the applicable cancellation and refund conditions immediately before payment.

The Buyer should be able to review those terms before completing the transaction.

For example:

FREE CANCELLATION UNTIL 48 HOURS BEFORE CHECK-IN

or

NON-REFUNDABLE AIR FARE

or

SUBSCRIPTION RENEWS MONTHLY — CANCEL BEFORE YOUR NEXT BILLING DATE

The purpose is to ensure that the Buyer understands the financial consequences before paying.

Refund requests should normally include:

• Order/booking number
• Product or service
• Date of purchase
• Reason
• Relevant evidence
• Customer contact information

Titaar may request additional information where reasonably necessary.

Titaar or the relevant Merchant/provider may consider:

• Transaction records
• Product information
• Booking terms
• Cancellation time
• Delivery records
• Access records
• Airline/hotel rules
• Merchant terms
• Customer communication
• Evidence provided
• Applicable law

A partial refund may be appropriate where:

• Only part of an order was affected.
• Part of a service was delivered.
• One component of a bundle failed.
• A booking was partially cancelled.
• A product was partially defective.

Titaar may:

• Approve a full refund
• Approve a partial refund
• Offer replacement
• Offer rebooking
• Offer credit where legally permitted
• Reject a request where no refund is available

Where appropriate, Titaar may explain the basis of the decision.

Where multiple terms apply to a transaction:

1. Mandatory applicable law prevails.
2. Specific booking/product terms disclosed before purchase apply.
3. The applicable Merchant terms apply where consistent with Titaar policies.
4. This Master Refund Policy applies to matters not specifically addressed elsewhere.

No Merchant term may lawfully remove a mandatory consumer right.

Bisyom Technology Limited

Titaar

37B Ladipo Kasumu Street

Ikeja, Lagos, Nigeria

Email: support@titaar.com

Phone: +234 806 831 2004

For faster assistance, include your order number, booking reference or subscription information.

This Policy should be read together with:

• Titaar Terms & Conditions
• Titaar Creator & Merchant Agreement
• Titaar Payments, Disputes & Chargebacks Policy
• Titaar Delivery & Fulfilment Policy
• Titaar Buyer Protection Policy
• Titaar Prohibited Products & Activities Policy
• Titaar Creator KYC & Verification Policy
• Titaar AML & Anti-Fraud Policy
• Titaar Intellectual Property & Copyright Policy
• Titaar Privacy Policy
• Titaar Cookie Policy
• Titaar Marketplace Content & Moderation Policy

Last Updated: August 2026