Effective Date: October 31, 2025
At Cardilobby, we value your trust and want every shopping experience to be smooth and satisfying.
If something goes wrong with your order, don’t worry — we’ve got your back!
This Refund Policy explains when and how refunds are processed for purchases made on our platform.
You can request a refund if:
The item received is damaged, defective, or different from what you ordered.
The seller fails to deliver within the promised timeframe.
The product is fake, expired, or misleadingly advertised.
Refunds are not applicable for:
Perishable goods (food, flowers, etc.)
Personal care or intimate products (e.g., underwear, skincare, cosmetics)
Digital downloads or services already accessed
Items marked as non-refundable at the time of purchase
This aligns with Section 120 of the Federal Competition and Consumer Protection Act (FCCPA 2018).
Refund requests must be made within 7 days after receiving the item.
Once approved, refunds are processed within 3–5 working days via your original payment method or Cardilobby wallet balance.
If you paid on delivery, refunds will be sent to your Cardilobby wallet or bank account after verification.
Before a refund is approved:
You must return the item in its original packaging and condition.
Our team (or the seller) will inspect the returned product.
If verified, the refund will be issued immediately.
If the product fails inspection (e.g., used, tampered, or not as delivered), refund requests may be declined.
Refunds may be issued through:
Your original payment method (e.g., debit card, bank transfer).
Your Cardilobby wallet, which can be used for future purchases.
In some cases, replacement items may be offered instead of cash refunds.
Buyers may cancel orders before the seller ships the product.
Once shipped, the order can no longer be canceled but may be returned after delivery.
Sellers are expected to process cancellations fairly and promptly.
All registered sellers on Cardilobby are bound by this policy.
Any seller who fails to honor valid refund requests may face penalties, including temporary suspension or account termination under Section 18 of the FCCPA 2018.
This Refund Policy is established in line with:
Federal Competition and Consumer Protection Act (FCCPA 2018)
Sale of Goods Act (Cap S1, Laws of the Federation of Nigeria 2004)
Cybercrimes (Prohibition, Prevention, etc.) Act 2015
These laws protect consumers’ rights and ensure fair business practices across Nigeria.
If you experience issues with your order or refund, please contact us:
📧 support@cardilobby.com.ng
📞 +2347037334371
We’re always happy to help — no long story, just quick resolution.