DailyPayTerms of Service
A single set of Terms covering Client users and Artisan users of the DailyPay NG application
Effective date: 01.07.2026
Last updated: 01.07.2026
Operator: Dekon Industries Limited, Uyo, Akwa Ibom, Nigeria
1. Introduction and acceptance of these Terms
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
These Terms of Service (“Terms”) are a binding legal agreement between you and Dekon Industries Limited, a company incorporated in Nigeria, with its registered office in Uyo, Akwa Ibom, Nigeria (“Dekon Industries,” “DailyPay NG,” “we,” “us,” or “our”). These Terms govern your access to and use of the DailyPay NG mobile application and related services (the “Platform”).
The Platform serves two categories of registered user: a Client, who posts requests for skilled trade services and pays for work performed, and an Artisan, who offers and performs skilled trade services in response to Client requests. This document is written as a single set of Terms covering both categories. Where an obligation applies to only one category, the relevant section is marked with a coloured tag, as shown above. Sections marked “All users” apply to both Clients and Artisans equally.
By creating an account, or by otherwise accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, you must not register for, access, or use the Platform.
If you are accessing the Platform on behalf of a business or other legal entity, you represent that you have authority to bind that entity, and “you” in these Terms refers both to you personally and to that entity.
2. Eligibility
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
To register for and use the Platform, you must:
Be at least 18 years of age;
Have the legal capacity to enter into a binding contract;
Not be barred from using the Platform under the laws of Nigeria, the United Kingdom, or any other jurisdiction applicable to you;
Provide accurate, current, and complete information during registration, and keep that information up to date; and
Complete any identity verification steps required for your account type, described in Section 5 (Artisans) and in our Privacy Policy.
We reserve the right to refuse registration, or to suspend or terminate an existing account, where we reasonably believe these eligibility requirements are not met, in accordance with Section 13.
3. What DailyPay NG is, and what it is not
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
DailyPay NG operates a marketplace platform that connects Clients seeking skilled trade services with independent Artisans who offer those services. This section describes the legal nature of that role precisely, because it determines who is responsible for what.
3.1 Artisans are independent contractors, not our employees
Artisans using the Platform are independent providers of services. An Artisan is not an employee, worker, partner, joint venturer, or agent of Dekon Industries Limited, and nothing in these Terms creates an employment, agency, or partnership relationship between Dekon Industries Limited and any Artisan. Artisans are solely responsible for determining how, when, and with what materials and methods they perform a job, subject to the specifications agreed with the Client.
3.2 What we do: vetting, matching, escrow, and facilitation
In operating the Platform, we undertake the following, each described precisely because it forms the basis of the assurances we give Clients and Artisans:
Identity and reference screening: before an Artisan is approved to accept paid jobs, we require completion of identity verification (described in our Privacy Policy) and a skills and reference check appropriate to their stated trade category. This screening is a genuine condition of approval, not a formality, and an Artisan who does not pass it will not be approved, or will have their approval revoked if later found to have misrepresented their qualifications.
Algorithmic matching: we operate a matching system that ranks available Artisans for a given job request based on factors including trade category fit, proximity, rating history, and availability, and presents a recommended match to the Client.
Escrow and payment facilitation: we hold Client payments in escrow via our licensed payment processing partner, Paystack Payments Limited, and release funds to an Artisan only once a job is confirmed complete by the Client, as described in Section 7.
Insurance: Dekon Industries Limited maintains liability insurance intended to respond to certain claims arising from work performed through the Platform, including claims of poor workmanship or property damage caused by an Artisan during a job, subject to the terms, conditions, exclusions, and limits of that policy, summarised in Section 10.
Dispute facilitation: where a Client and an Artisan disagree about a completed or attempted job, we offer an optional, non-binding facilitation process described in Section 11, intended to help the parties reach a resolution without obliging either party to accept a particular outcome.
3.3 What we do not guarantee
Notwithstanding the screening, matching, escrow, and insurance arrangements described above, Dekon Industries Limited does not guarantee, and you should not rely on us to guarantee:
That any specific job will be completed to a particular standard, on a particular timeline, or at all;
The accuracy of any rating, review, or profile information submitted by another user;
That an Artisan’s conduct, on any specific job, will match the conduct anticipated from their screening or past performance; or
Continuous, uninterrupted, or error-free operation of the Platform.
Our screening process is intended to make it less likely that an unqualified or dishonest individual is approved to act as an Artisan on the Platform, and our insurance is intended to provide a real avenue of redress where a job goes wrong. Neither is, or is intended to operate as, an unconditional warranty that every job performed through the Platform will be satisfactory. Section 10 describes how our insurance interacts with your rights, and Section 12 describes the limits of our liability beyond what that insurance covers.
4. Your account
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
You are responsible for maintaining the confidentiality of your account credentials, including any password and any biometric device authentication you enable, and for all activity that occurs under your account.
You must notify us promptly at the contact details in Section 18 if you become aware of any unauthorised access to or use of your account.
You may not transfer, sell, or share your account with another person. Each account must correspond to one individual or, where permitted, one duly authorised representative of a business Client.
You may close your account at any time through the Platform's settings or by contacting us; closure does not affect obligations that arose, or rights that accrued, before closure, including outstanding payment obligations.
5. Artisan registration, verification, and conduct
APPLIES TO: ARTISANS ONLY
This section applies only to users registered as Artisans.
5.1 Verification and approval
You must complete identity verification, including National Identification Number (NIN) or alternative government ID verification and a biometric liveness check, as described in our Privacy Policy, before you may accept paid jobs.
You must provide accurate information about your trade category, skills, and experience, and consent to a skills and reference check appropriate to that trade category as part of our approval process.
Approval to act as an Artisan on the Platform is granted at our reasonable discretion, may be conditioned on information you provide proving accurate, and may be revoked under Section 13 if we later determine that information was false, misleading, or no longer accurate.
5.2 Performing jobs
You are responsible for assessing whether you have the skill, capacity, equipment, and time to complete a job you accept, and for declining jobs that fall outside your genuine competence.
You must perform accepted jobs with reasonable skill and care, consistent with the trade category and standard you have represented on your profile.
You must comply with all applicable laws, including health and safety obligations, and must hold any licence, permit, or certification legally required to perform the trade you offer, where such requirements exist.
You must accurately update your job status within the Platform (en route, arrived, in progress, complete) so that Clients receive accurate live information, as described in our Privacy Policy.
You must not request or accept payment for a Platform-originated job outside the Platform's payment system, except where the Platform itself directs an alternative payment method (such as bank transfer through our payment partner).
5.3 Your earnings
You will be paid the agreed job amount, less the platform service fee disclosed to you at the time of quoting or booking, upon the Client confirming the job complete and the corresponding escrow release described in Section 7.
You are solely responsible for determining and meeting your own tax obligations, including any income tax, value-added tax, or other levy applicable to your earnings under Nigerian law or any other applicable law. We do not withhold tax on your behalf unless required by law to do so, and nothing in these Terms constitutes tax advice.
6. Client obligations
APPLIES TO: CLIENTS ONLY
This section applies only to users registered as Clients.
You must provide an accurate and sufficiently detailed description of the job you are requesting, including accurate location information, so that Artisans can assess and perform the work safely and appropriately.
You must provide a safe environment for the Artisan to perform the agreed work, and disclose any known hazard relevant to the job (for example, structural concerns, electrical faults, or animals on the premises) before the Artisan arrives.
You must pay the agreed amount for a job you confirm as complete, through the Platform's payment system, and must not pressure or request an Artisan to accept payment outside the Platform.
You are responsible for reviewing an Artisan’s profile, ratings, and reviews before selecting them for a job, and for exercising your own judgment in that selection, in addition to (not instead of) the screening we describe in Section 3.2.
You must not request that an Artisan perform work outside the scope of the original job request without agreeing a revised price and, where the change is material, a revised job description through the Platform.
7. Payments, fees, and escrow
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
All payments are processed through Paystack Payments Limited, our licensed payment processing partner. By using the Platform's payment features, you also agree to be bound by Paystack’s applicable terms governing the processing of that transaction.
A Client typically pays a deposit on confirming a booking, with the balance due on confirmation of job completion, in the proportions and according to the process described within the Platform at the time of booking.
Funds paid by a Client are held in escrow and are not released to the Artisan until the Client confirms the job complete through the Platform, or until release is otherwise directed under the dispute facilitation process described in Section 11, or by order of a competent court or arbitrator.
We charge a service fee, disclosed to you before you confirm a booking or accept a job, calculated as a percentage of the job value. We reserve the right to change our fee structure for future bookings, with notice provided through the Platform.
Refunds, where due, are processed back to the original payment method through Paystack, and may take a number of business days to appear, depending on the Client’s bank or card issuer.
You are responsible for ensuring the bank account, card, or other payment method you use is your own, or that you are otherwise authorised to use it, and for any fees your own bank or payment provider charges in connection with a transaction.
8. Cancellations
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
A Client may cancel a job request before an Artisan has been assigned, at no charge.
Once an Artisan has accepted a job, cancellation by either party may be subject to a cancellation fee, disclosed within the Platform, intended to reflect time or cost already incurred by the other party (for example, an Artisan who has already travelled toward the job site).
Repeated cancellations by either a Client or an Artisan, in a pattern we reasonably consider abusive of the Platform or unfair to other users, may result in restrictions on your account under Section 13.
9. Reviews, ratings, and user content
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Following a completed job, both Clients and Artisans may be invited to leave a rating and written review of the other party. Reviews must be honest, based on direct experience of the job in question, and must not contain unlawful, defamatory, harassing, or knowingly false content.
We do not independently verify the factual accuracy of user-submitted reviews before publication, though we reserve the right to remove a review that we reasonably believe breaches this section or applicable law, including following a report from the subject of the review.
By submitting a review, photograph, portfolio image, or other content to the Platform (“User Content”), you grant Dekon Industries Limited a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display that User Content for the purpose of operating and promoting the Platform. You retain ownership of your User Content, and may request its removal subject to Section 12 of our Privacy Policy regarding data retention for active disputes.
You must not post User Content that infringes the intellectual property, privacy, or other rights of any person, or that is unlawful, obscene, threatening, or discriminatory.
10. Insurance
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Dekon Industries Limited maintains a liability insurance policy intended to respond to certain claims arising from jobs performed through the Platform, including claims of poor workmanship and claims of property damage caused by an Artisan in the course of a job booked through the Platform. This insurance is a genuine protection, and is a key reason we are able to take on more responsibility for job outcomes than a purely hands-off marketplace would.
This insurance is, however, subject to the specific terms, conditions, exclusions, and policy limits set by our insurer, which are not reproduced in full in these Terms. In particular, and without limitation:
The policy may exclude certain categories of loss (for example, pre-existing damage, loss arising from work not booked through the Platform, or loss exceeding a stated monetary limit per claim or in aggregate).
A claim under this insurance is assessed by reference to the policy's own terms, and Dekon Industries Limited’s facilitation of a claim under Section 11 does not itself guarantee that the insurer will accept or pay a given claim.
Where a claim falls outside the scope of this insurance, Section 12 (Limitation of Liability) describes the extent to which Dekon Industries Limited otherwise accepts responsibility.
Where you believe you have suffered a loss covered by this insurance, you should notify us promptly using the contact details in Section 18, and in any event within [SUGGEST: 14 days] of the job in question, so that a claim can be properly assessed.
11. Disputes between Clients and Artisans
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Where a Client and an Artisan disagree about a job — for example, about the quality of work performed, a missed appointment, or a claimed instance of damage — the following process applies.
Direct resolution first: we encourage Clients and Artisans to first attempt to resolve the disagreement directly with each other, using the Platform's messaging feature, in good faith.
Optional facilitation: if direct resolution is not reached, either party may request that we facilitate a resolution. Facilitation under this section is optional for both parties to request, and any outcome we suggest is non-binding: neither party is obliged to accept it, and requesting facilitation does not prevent either party from subsequently pursuing the matter through the courts, as described in Section 16, or, where applicable, making a claim under the insurance described in Section 10.
Effect on escrow: while a job is the subject of an active, reported dispute, we may pause release of any escrowed funds relating to that job until the dispute is resolved between the parties, resolved through facilitation, or resolved by order of a competent court or arbitral tribunal.
We are not a court or arbitrator, and nothing in this section, nor our participation in facilitating a resolution, constitutes a legal determination of either party’s rights or liabilities, or a waiver of either party’s right to pursue the matter independently.
12. Limitation of liability
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Nothing in this section excludes or limits liability that cannot lawfully be excluded or limited under the laws of Nigeria or any other applicable jurisdiction, including liability for death or personal injury caused by our negligence, liability for fraud or fraudulent misrepresentation, or liability for breach of any consumer protection obligation that cannot lawfully be excluded.
Subject to that overriding statement, and subject to the insurance described in Section 10 responding to a given claim on its own terms:
To the maximum extent permitted by law, Dekon Industries Limited’s total aggregate liability to you arising out of or in connection with these Terms or your use of the Platform, in respect of any single job or claim, shall not exceed the greater of (a) the total fees paid by or to you (as applicable) in respect of that specific job, or (b) [SUGGEST: a fixed sum, e.g. ₦100,000 or its equivalent], save to the extent a higher amount is recovered under the insurance described in Section 10.
We are not liable for indirect, consequential, or special losses, including loss of profit, loss of business opportunity, or loss of data, except where such loss arises directly from our own negligence or breach and is not reasonably capable of exclusion under applicable law.
We are not liable for the acts or omissions of an Artisan or a Client, as between themselves, except to the extent expressly provided in Section 10 (Insurance) or as otherwise required by applicable law given the additional responsibility we have voluntarily assumed through our vetting process described in Section 3.2.
13. Suspension and termination
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
We may suspend or terminate your account, or restrict your access to specified features of the Platform, where we reasonably believe that:
You have breached these Terms or our Privacy Policy;
You have provided false, misleading, or fraudulent information, including in connection with identity verification or skills and reference screening;
Your conduct poses a risk to the safety, security, or rights of another user, Dekon Industries Limited, or the public;
Your account has been used for unlawful activity, or activity that circumvents the Platform's payment system as described in Section 5.2; or
We are required to do so by law, or by a direction of a competent regulator or court.
Where reasonably practicable, and where doing so would not itself create a safety or legal risk, we will give you notice and an opportunity to respond before suspending or terminating your account. Termination does not affect any payment obligation that arose, or any right that accrued, before termination.
You may stop using the Platform, and close your account, at any time, as described in Section 4.
14. Intellectual property
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
The Platform, including its software, design, trademarks, logos, and all content we provide (excluding User Content), is owned by or licensed to Dekon Industries Limited and is protected by applicable intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for its intended purpose, in accordance with these Terms. You may not copy, modify, reverse-engineer, distribute, or create derivative works from the Platform, except to the extent expressly permitted by applicable law notwithstanding this restriction.
15. Disclaimers
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Save as expressly stated in these Terms, including the vetting commitment in Section 3.2 and the insurance described in Section 10, the Platform is provided on an “as available” basis. To the maximum extent permitted by applicable law, we disclaim all implied warranties and conditions, including any implied warranty of satisfactory quality, fitness for a particular purpose, or non-infringement, in relation to the Platform itself (as distinct from any job performed through it, which is addressed in Sections 3, 10, and 12).
We do not warrant that the Platform will be uninterrupted, timely, secure, or error-free, or that any defect will be corrected, though we will use reasonable efforts to maintain and improve the Platform’s reliability over time.
16. Governing law and jurisdiction
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
These Terms, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), are governed by, and construed in accordance with, the laws of the Federal Republic of Nigeria.
You and Dekon Industries Limited agree that the courts of the Federal Republic of Nigeria shall have jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, and each party irrevocably submits to that jurisdiction, without prejudice to either party’s right to seek interim or protective relief in any other jurisdiction where its assets or interests may be located.
17. Changes to these Terms
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
We may update these Terms from time to time to reflect changes in our practices, the law, the Platform's features, or other relevant factors. We will notify you of material changes through the Platform or by email and will update the “Last updated” date at the top of these Terms. Continued use of the Platform after such changes take effect constitutes your acceptance of the revised Terms. If you do not agree to revised Terms, you must stop using the Platform and may close your account as described in Section 4.
18. Contact us
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Questions or concerns regarding these Terms may be directed to:
Contact: Customer Care Agent
Email: support@chrismgroup.com
Postal address: Dekon Industries Limited, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
For matters relating to personal data specifically, please also refer to the contact details in our Privacy Policy.
19. General provisions
APPLIES TO: ALL USERS (CLIENTS AND ARTISANS)
Entire agreement: these Terms, together with our Privacy Policy and any policy expressly referenced within the Platform, constitute the entire agreement between you and Dekon Industries Limited regarding the Platform, and supersede any prior agreement on the same subject.
Severability: if any provision of these Terms is found unenforceable by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
No waiver: our failure to enforce a provision of these Terms is not a waiver of our right to enforce it later.
Assignment: you may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of substantially all of our relevant assets, on notice to you.
Force majeure: neither party is liable for delay or failure to perform an obligation under these Terms to the extent caused by circumstances beyond that party's reasonable control.
END OF DRAFT. This document requires sign-off from Nigerian-qualified counsel, given the chosen governing law, and from UK counsel given the operator's incorporation, before publication. Particular attention should be given to the callouts in Sections 3.2, 10, 12, and 16, each of which depends on facts (insurance policy wording, a deliberately chosen liability cap, and cross-border enforceability) that only the business and its lawyers can finally settle.