FindAmNow Returns and Refunds Policy

How Payments Are Handled

• Payments made through FindAmNow checkout (card, bank transfer, or USSD via Paystack) are split by Paystack at the time of payment, using Paystack Subaccounts.
• The seller's share is settled by Paystack directly to the seller's own registered bank account, on Paystack's normal settlement schedule. FindAmNow never receives, holds, or releases it.
• FindAmNow receives only its service fee out of the same payment. It is not a deposit against the order and is not held on the seller's behalf.
• Sellers and buyers do not have wallets or stored balances on FindAmNow. Funds cannot be transferred between users.
• A seller who has not registered a settlement bank account with us cannot accept online payment at all; their page shows contact options only.

Cancelling Before Dispatch

You may cancel a paid order at any time before the seller dispatches it, for any reason, including not agreeing with the quoted delivery fee. Contact the seller or email disputes@findamnow.com with your payment reference. You will receive a full refund of the goods amount.

Returns After Delivery

You may request a return within 7 days of delivery if:

• The item arrived damaged or defective.
• You received the wrong item, wrong size, wrong colour, or wrong quantity.
• The item is materially different from the listing description or photos.

To request a return, contact the seller and email disputes@findamnow.com with your payment reference, a description of the problem, and photos or a short video of the item as received. Items should be returned unused and in their original packaging where possible. Return shipping for damaged, defective, or incorrect items is the seller's responsibility.

Items Not Eligible for Return

• Perishable goods such as food.
• Custom-made, cut-to-length, or personalised items made to your specification, unless faulty.
• Items damaged through misuse after delivery.
• Change-of-mind returns after delivery, unless the seller agrees to accept one.

Undelivered Orders

If your order is not delivered within 7 days of dispatch, or the seller does not dispatch it within the times set out in our Shipping Policy, you are entitled to a full refund from the seller. Because the seller was paid directly at the time of purchase, the refund is owed and paid by the seller. FindAmNow will raise it with them on your behalf, and will refund its own service fee for that order.

Refund Processing

• Approved refunds are issued to your original payment method through Paystack, funded by the seller who received the payment.
• Refunds are processed within 5 to 10 business days of approval. Your bank or card issuer may take additional time to show the credit.
• Refunds cover the goods amount paid through FindAmNow. Delivery fees paid directly to a seller or courier outside FindAmNow are agreed between you and the seller.

Disputes Between Buyers and Sellers

1. Contact the seller first. Most issues are resolved directly between buyer and seller on WhatsApp or by phone.
2. If the seller does not respond within 2 business days or you cannot agree, email disputes@findamnow.com with your payment reference and any evidence (chat screenshots, photos, tracking information).
3. FindAmNow reviews the evidence from both sides and gives a decision within 5 business days.
4. If the decision is in the buyer's favour, the seller must refund the buyer in full. FindAmNow does not hold the seller's funds and cannot pay a refund out of them; where a refund is due, FindAmNow will also return its own service fee for that order and will pursue the refund with the seller on the buyer's behalf.
5. Sellers who repeatedly generate disputes or refuse to honour this policy may have payment acceptance suspended under our Acceptable Use Policy.

Chargebacks

Please contact us before raising a chargeback with your bank. We can usually resolve the issue faster, and a chargeback raised while a refund is already in progress can delay your money.

Contact

Refunds and disputes: disputes@findamnow.com. General support: support@findamnow.com or Findamnow Limited on +2347067162698.