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TERMS & CONDITIONS

Effective Date: 5/1/2010

1. Overview

This website, hogfurniture.co, is operated by HOG Furniture Ltd. (“HOG”, “we”, “our”, or “us”).

HOG operates as an online marketplace connecting customers with independent furniture vendors. Products listed on the platform are supplied by third-party vendors, while HOG facilitates ordering, payment coordination, and delivery support.

By accessing our website or purchasing from us, you agree to be bound by these Terms & Conditions, as well as any related policies referenced herein.

If you do not agree, you must not use this website or our services.

2. Eligibility

By using this site, you confirm that:

You are at least 18 years old or of legal age in your jurisdiction
You will use the website only for lawful purposes
All information provided by you is accurate and complete

3. User Accounts

Where you create an account, you are responsible for:

Maintaining the confidentiality of your login credentials
All activities conducted under your account

HOG reserves the right to suspend or terminate accounts suspected of misuse or unauthorized activity.

4. Marketplace Role

HOG is not the manufacturer or owner of products listed on the platform.

The contract of sale exists between the customer and the vendor
Vendors are solely responsible for:
- Product quality
- Accuracy of descriptions
- Pricing and availability

HOG acts solely as a facilitator of transactions and shall not be liable for any defects, delays, misrepresentations, or failures arising from vendor products or services, except where required by applicable law.

5. Orders & Acceptance

All orders are subject to confirmation and availability
An order is considered accepted only after:
- Successful payment (or approved payment arrangement)
- Order confirmation by HOG

We reserve the right to:

Cancel or refuse any order
Limit quantities
Request additional verification

6. Pricing & Payments

Prices are displayed in Nigerian Naira (NGN) unless otherwise stated
Prices may change without prior notice
Payments are processed through third-party providers

Accepted payment methods may include:

Bank transfer
Card payments
Approved payment solutions

Payment is deemed complete once confirmed by the payment processor. HOG is not liable for delays or errors caused by third-party payment providers.

7. Buy Now Pay Later & SplitPay

HOG offers flexible payment options, including third-party financing and HOG SplitPay.

a. Third-Party Financing

Customers may access financing through partner institutions. These services are governed by the terms of the respective financial providers, and HOG is not responsible for their decisions or processes.

b. HOG SplitPay (Price Lock Plan)

HOG SplitPay allows customers to:

Lock in product prices
Pay over an agreed period
Receive delivery only after full payment

By selecting SplitPay:

You agree to complete payments within the agreed timeline
Orders will only be processed after full payment
SplitPay transactions are generally non-refundable and non-exchangeable, except in cases of verified defects or where required by law

8. Delivery & Fulfilment

Delivery may be handled by:

HOG logistics
Vendors
Third-party shipping agents

Delivery timelines are estimates and may vary.

Risk Transfer

For direct delivery: risk passes upon delivery to the customer
For third-party shipping: risk transfers once the item is handed to the shipping agent

Customers are responsible for:

Providing accurate delivery information
Being available to receive deliveries

HOG is not liable for delays or damages caused by third-party logistics providers, except where required by law.

9. Returns & Refunds

Returns and refunds are governed by our Return & Refund Policy.

Eligible items must be returned within the stated timeframe
Certain items (including custom or made-to-order products) may not be eligible for return
Refunds are subject to inspection and approval

10. Product Information Disclaimer

We do not guarantee that product descriptions, images, or specifications are accurate, complete, or error-free.

All product details are provided by vendors and are subject to change without notice.

11. Prohibited Use

You agree not to:

Use the site for unlawful or fraudulent purposes
Violate any applicable laws or regulations
Interfere with website security or functionality
Upload malicious code or harmful content

Violation may result in suspension or termination of access.

12. Disclaimer of Warranties

The platform and all products are provided “as is” and “as available.”

We do not guarantee:

Uninterrupted or error-free service
Accuracy or completeness of content
Availability of products

Use of the platform is at your own risk.

13. Limitation of Liability

To the fullest extent permitted by law:

HOG shall not be liable for indirect, incidental, or consequential damages
We are not responsible for vendor-related issues beyond our role as a facilitator

In all cases, HOG’s total liability shall not exceed the amount paid for the specific product giving rise to the claim.

14. Indemnification

You agree to indemnify and hold harmless HOG, its directors, employees, and partners from any claims, damages, or expenses arising from:

Your use of the platform
Your breach of these Terms
Your violation of any law or third-party rights

15. Third-Party Services

We may provide access to third-party tools and services.

These are provided “as is,” and HOG is not responsible for their performance, accuracy, or reliability.

16. Force Majeure

HOG shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including but not limited to:

Natural disasters
Transportation disruptions
Vendor failures
Strikes or labor disputes
Government actions
Network or system outages

17. Termination

We reserve the right to:

Suspend or terminate access to our services
Deny service at our discretion

18. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria.

Any dispute shall:

First be resolved amicably through customer support
If unresolved, be submitted to binding arbitration in Ogun State, Nigeria, in accordance with applicable arbitration laws

The decision shall be final and binding on all parties.