Terms and Conditions

Use of any Henry Onyx surface constitutes acceptance of these terms. The user must be at least 18 years old and have the legal capacity to enter a binding contract under Nigerian law. Where the user acts on behalf of an entity, the user warrants authority to bind that entity.

— In plain English: By using the platform you agree to these terms. You must be 18+, and if you sign up for a company you must have permission to sign for that company.

Henry Onyx operates seven divisions on one platform. Each division has a defined market and a defined contract. Use of a division is bound by both these group-level terms and any division-specific service contract presented at checkout or onboarding.

— In plain English: Henry Onyx is a group with seven divisions. These terms cover the group; each division can add its own service terms on top.

One account per natural person or entity, used across every division. The user is responsible for keeping credentials confidential and for activity under the account. Suspicious activity should be reported promptly to the security inbox so the trust-flag system can act.

— In plain English: One account covers all divisions. Keep your password private, and tell us fast if something looks wrong.

Each division has a specific payment, fee, and refund position. Refund rights under the Federal Competition and Consumer Protection Act 2018 are non-derogable for consumer transactions; division-specific terms add the operational detail.

— In plain English: Each division has its own refund rule. The Federal Competition and Consumer Protection Act 2018 sets the consumer floor we cannot lower.

Vendors and operators (logistics riders, care providers, marketplace sellers, property landlords, learn instructors, studio creatives, jobs employers) complete identity verification (NIN and BVN where applicable), bank-account verification, and any role-specific licensing before payout. KYC documents are retained for 5 years after account closure under the CBN AML/CFT Regulations 2022 and the Money Laundering (Prevention and Prohibition) Act 2022.

— In plain English: Anyone earning money on the platform must verify identity and bank details before they can be paid.

Users retain ownership of content they upload (listings, briefs, photos, messages). By uploading, the user grants Henry Onyx a limited, worldwide, royalty-free, non-exclusive licence to host, transmit, display, and operate the content for service delivery. The licence ends when the content is deleted, subject to legal-hold exceptions in the Privacy Policy. Henry Onyx retains all rights in its trade marks, logos, code, and product designs.

Takedown requests: under the Copyright Act 2022 (Nigeria) §43 (notice-and-takedown), copyright holders may serve a notice on legal@henryonyx.com. The notice must identify the work, the infringing material, and contact details, and include a good-faith statement of belief. Counter-notices follow the same route.

— In plain English: You keep your stuff; we get permission to show it while you use the platform. Henry Onyx owns the brand. Copyright takedowns go to legal@henryonyx.com.

Prohibited conduct includes unauthorised access, intercepting traffic, reverse-engineering, scraping at volume, distributing malware, fraud, and harassment. Conduct of this kind is also a criminal offence under the Cybercrimes (Prohibition, Prevention, etc.) Act 2015 §6 (unauthorised access), §13 (interception), §14 (fraud), §22 (identity theft), among others. The platform cooperates with the Nigeria Computer Emergency Response Team (ngCERT) and the NPF Cybercrime Unit where required.

— In plain English: Do not hack, scrape, defraud, or harass. These are crimes under the Cybercrimes Act, not just a terms violation.

Trust badges (Verified, KYC complete, Active in good standing) are operational signals based on verifiable inputs (identity verification, transaction history, dispute outcome). They reduce risk; they are not a financial guarantee, an insurance product, or a warranty by Henry Onyx of any specific outcome.

— In plain English: Verified means we checked something specific. It is a useful signal, not a money-back promise.

Transactional notifications (order updates, payout receipts, security alerts) are sent by email, WhatsApp, push, or SMS where the user has provided the channel. Marketing communication is sent only with consent under NDPA §25(1)(a). Opt-out controls in account settings and in every marketing message are visually equivalent to opt-in controls; no dark patterns. Opt-out is honoured within 7 days, with a 90-day suppression window before deletion per the Privacy Policy retention table.

— In plain English: We send order updates on the channels you give us. Marketing only with your yes, and you can say no the same easy way you said yes.

Consumer rights under the Federal Competition and Consumer Protection Act 2018 §128 are non-derogable and apply in full; nothing in this clause limits a right that cannot be limited under Nigerian law. Outside that non-derogable floor, total aggregate liability under or in connection with these terms is limited to the fees the customer paid to the relevant Henry Onyx division in the 12 months preceding the event giving rise to the claim. Indirect, consequential, and punitive damages are excluded.

— In plain English: Your consumer rights under Nigerian law cannot be reduced. Beyond that, our maximum liability is what you paid us in the last 12 months.

The user indemnifies Henry Onyx against third-party claims arising from the user's breach of these terms, infringement of a third-party right, or unlawful use of the platform. The indemnity does not extend to claims caused by the platform's own breach of law or contract.

— In plain English: If your misuse causes someone else to sue us, you cover that cost. If we are the ones at fault, you do not.

Either party may terminate by notice. Henry Onyx may suspend or terminate immediately for material breach, fraud, sanctions hit, or court order. On termination, balances are settled according to division payout schedules; KYC and transaction records are retained per the Privacy Policy retention table.

— In plain English: You can close your account; we can close it for serious problems. Money owed is paid out per the division rules. Required records are kept for the legal retention period.

Material changes to these terms are emailed to account holders 14 days before they take effect and the version number is bumped. Continued use after the effective date is acceptance. Minor edits (typos, citation corrections) are made without notice.

— In plain English: Important changes get 14 days notice by email, and the version goes up. Tiny fixes are silent.

These terms apply to every user regardless of location, subject to mandatory rights under the user's home jurisdiction (named in Privacy Policy section 8). Users access the platform on their own initiative; local laws on import, currency, tax, and content remain the user's responsibility.

— In plain English: These terms apply everywhere we operate, but your country's mandatory consumer protections still cover you.

Cross-border orders and services may attract customs duties, import VAT, and conversion fees that are the user's responsibility. The platform displays prices in the user's locale currency at a snapshot FX rate; settlement is recorded in Nigerian Naira under the multi-currency foundation, with the displayed currency archived for reference.

— In plain English: If you buy across a border, you may owe duty and tax in your country. We show prices in your currency; the books are kept in Naira.

Prices may be quoted in Nigerian Naira (NGN), United States Dollar (USD), Great British Pound (GBP), Euro (EUR), or another supported currency at the user's locale. FX snapshots are recorded at checkout; subsequent FX movement does not change the recorded price. Taxes and division-specific fees are disclosed before payment.

— In plain English: We show prices in your currency. The rate is locked when you check out. All taxes and fees appear before you confirm.

Henry Onyx does not service comprehensively sanctioned jurisdictions: Cuba; Iran; North Korea (DPRK); Syria; Non-government-controlled areas of Ukraine (Crimea, Donetsk, Luhansk, Kherson, Zaporizhzhia). Users on a sanctions list (OFAC, EU consolidated, UN, HMT) may not use the platform. Trust-flag screening enforces this in addition to bank-level sanctions screening.

— In plain English: We do not work with people or places under comprehensive international sanctions.

VAT applies under the Value Added Tax Act on taxable supplies in Nigeria at the prevailing rate. State consumption taxes (where applicable) are added at checkout. Vendors are responsible for their own income-tax obligations on payouts received; the platform issues payout statements suitable for vendor tax filings. International users are responsible for tax obligations in their home jurisdiction.

— In plain English: We charge Nigerian VAT where the law says we must. Vendors handle their own income tax. International users handle their own home-country tax.

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes are referred to arbitration seated in Lagos, Nigeria under the Arbitration and Mediation Act 2023, administered by the Lagos Court of Arbitration (LCA) or Lagos Multi-Door Courthouse. One (single arbitrator). Language: English. Either party retains the right to seek interim or injunctive relief from the Courts of Lagos State and the Federal High Court of Nigeria.

— In plain English: Nigerian law applies. Disputes go to a single arbitrator in Lagos under the 2023 arbitration law. Either side can still go to court for urgent injunctions.

Where mandatory law in the user's home jurisdiction confers a non-derogable right to bring proceedings in a local court or before a local regulator, this clause does not limit that right. International users may also use their home data-protection regulator (named in Privacy Policy section 8) for privacy-specific complaints.

— In plain English: If your country gives you a right to sue locally that cannot be signed away, that right still applies.

Notices to Henry Onyx are served by email to legal@henryonyx.com and (for formal service of process) by registered courier to the registered office. Notices to a user are served to the email and phone number on the account. International service of process is supplemented by the Hague Service Convention where applicable.

— In plain English: Send formal notices to legal@henryonyx.com and the registered office. We send formal notices to your account contact details.

If a clause is held unenforceable, the rest of these terms continues in force. These terms (with the Privacy Policy, division-specific terms, and any signed addendum) are the entire agreement between the parties on this subject. The user may not assign without consent; Henry Onyx may assign to a successor in a merger or acquisition. Performance is excused for events beyond reasonable control (force majeure: natural disaster, war, civil unrest, lawful government action, ISP outage, sustained DDoS).

— In plain English: One bad clause does not kill the rest. These pages are the full agreement. You cannot transfer your account without our okay; we can transfer if the company is sold. Acts of God do not break the contract.

Routine product notices (release notes, scheduled maintenance, status incidents) are posted on the platform and emailed where material. Status incidents are also posted to status.henryonyx.com where the user can subscribe to email or RSS updates.

— In plain English: Day-to-day announcements appear in-product and by email; status pages give live updates you can subscribe to.

For terms-related correspondence, use the legal inbox. For privacy questions, use the privacy inbox. For general support, use the division support inbox (faster), or the group hello inbox.

— In plain English: Legal questions to legal@henryonyx.com. Privacy questions to privacy@henryonyx.com. Service questions to your division.

Effective 2026-05-14 · version v1.0. Material changes are emailed to account holders 14 days before they take effect and the version is bumped. Continued use after the effective date is acceptance.

— In plain English: We tell you 14 days before anything important changes, and the version number always goes up.