Payment Policy
Last updated: 29 July, 2024
1. Introduction
At Seamium, we are committed to providing a seamless and secure payment experience for our customers. This Payment Policy outlines the terms and conditions governing payments made through our platform, including accepted payment methods, pricing transparency, refunds, and data protection.
By using Seamium’s services, you agree to comply with this Payment Policy. If you have any questions or concerns, please contact us at [email protected].
2. Accepted Payment Methods
We offer a variety of convenient and secure payment options to suit your needs. These include:
- Debit/Credit Cards: Verve, Visa, MasterCard, and other major card providers.
- Mobile Money: MTN Mobile Money, Airtel Smartcash, Opay, Moniepoint and other popular mobile payment platforms in Nigeria.
- Bank Transfers: Direct bank transfers to our designated account.
- Seamium Pay™: Our proprietary digital wallet for faster and more secure transactions.
Please ensure that your payment method is valid and has sufficient funds to complete your transaction.
3. Pricing Transparency
At Seamium, we believe in clear and honest pricing.
- No Hidden Fees: The total cost of your order, including gas cylinder price, delivery fees, and applicable taxes, will be displayed before you confirm your purchase.
- Dynamic Pricing: Prices may vary based on location, demand, and cylinder size. Any changes will be communicated clearly during checkout.
- Promotions & Discounts: Discounts or promotional offers will be applied automatically if eligible.
For recurring deliveries, the price at the time of scheduling will remain valid unless otherwise notified.
4. Payment Security
Your financial security is our top priority.
- Encryption Technology: All payment information is encrypted using industry-standard SSL (Secure Socket Layer) technology to protect your data.
- PCI DSS Compliance: We adhere to the Payment Card Industry Data Security Standard (PCI DSS) to safeguard cardholder information.
- Third-Party Processors: Payments are processed through trusted third-party payment gateways, ensuring an additional layer of security.
We do not store your full card details on our servers. Instead, tokens are used to process recurring payments securely.
5. Refunds and Cancellations
5.1 Refunds
Refunds are issued under the following circumstances:
- Order Cancellation Before Delivery: If you cancel your order before it is dispatched, you will receive a full refund.
- Delivery Issues: If there is an issue with your delivery (e.g., incorrect product, damaged goods), you may be eligible for a refund or replacement.
- Refund Processing Time: Refunds typically take 3–5 business days to reflect in your account, depending on your bank or payment provider.
To request a refund, contact our support team at [email protected] with your order details.
5.2 Cancellations
You can cancel or reschedule your order through the Seamium app or website, subject to the following conditions:
- Orders can only be cancelled before they are marked as "EnRoute."
- Recurring deliveries can be paused or cancelled at any time, provided at least 24 hours’ notice is given before the next scheduled delivery.
6. Failed Payments
If your payment fails due to insufficient funds, expired cards, or technical issues, you will receive a notification prompting you to update your payment details.
- Retry Mechanism: You can retry the payment within 24 hours without losing your order slot.
- Order Cancellation: If the payment is not completed within the specified timeframe, your order may be cancelled.
7. Merchant Payments
For certified gas suppliers registered as Seamium merchants:
- Payment Terms: Merchants receive payments directly through the Seamium Merchant Portal within 1 (one) business days after successful delivery.
- Transaction Records: Detailed records of all transactions, including commissions and fees, are available in the portal.
- Disputes: Any disputes regarding payments must be raised within 7 days of the transaction date.
8. Compliance with NDPR
Under the Nigerian Data Protection Regulation (NDPR), we are committed to protecting your personal and financial data.
- Data Minimization: We only collect the minimum amount of data necessary to process payments.
- Consent: By making a payment, you consent to the processing of your payment data as outlined in this policy and our Privacy Policy.
- Retention Period: Payment data is retained only for as long as necessary to fulfill legal, accounting, and operational requirements.
9. Dispute Resolution
If you encounter any issues related to payments, such as unauthorized charges or billing errors, please contact us immediately at [email protected].
Our dispute resolution process includes:
- Acknowledgment: We will acknowledge your complaint within 24 hours.
- Investigation: Our team will investigate the issue and provide a resolution within 5 business days.
- Escalation: If the issue remains unresolved, you may escalate it to our Data Protection Officer (DPO) at [email protected].
10. Updates to This Policy
We reserve the right to update this Payment Policy periodically to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised "Last Updated." We encourage you to review this policy regularly to stay informed about our payment terms.