Effective date and last updated: 28 September 2026.

1. Introduction

Welcome to Louer. These Terms and Conditions govern your access to and use of the Louer website, mobile-friendly web application, business dashboard, Marketplace, customer request pages, support services, AI-assisted features, and all related services made available by Louer.

Louer is a Software-as-a-Service platform that helps rental businesses manage their daily operations, including inventory, bookings, customers, invoices, receipts, payments, expenses, staff, documents, handoffs, returns, and online rental enquiries. Businesses may also choose to publish selected rental items in Louer's Marketplace so potential customers can discover them and submit rental enquiries.

By creating an account, accessing Louer, or using any part of the platform, you agree to be bound by these Terms. If you do not agree, you must not use Louer.

2. Definitions

In these Terms, "Louer", "we", "us", or "our" means Louer Innovations Limited, a company registered in Nigeria with RC Number 9763709, and its successors and assigns. "Platform" means the Louer website, application, Marketplace, customer request pages, APIs, software, support tools, and related services. "Business" means a rental business, company, organization, venue, or operator using Louer. "User" means any person accessing Louer, including business owners, staff, customers, and visitors. "Customer" means a person or organization submitting a rental enquiry or renting from a Business. "Marketplace" means the section of the Louer Platform where approved rental businesses may publish selected rental items and receive rental enquiries. The Marketplace is a discovery service and does not make Louer a party to rental transactions between Businesses and Customers.

3. Eligibility and authority

You may use Louer only if you are at least 18 years old, have legal capacity to enter into binding agreements, and use the platform in compliance with applicable law. If you create or use an account on behalf of a Business, you confirm that you have authority to bind that Business to these Terms.

You agree that all information provided to Louer will be accurate, current, and complete. Louer may refuse, suspend, or terminate access where information appears false, misleading, incomplete, or unlawful.

4. Description of services

Louer provides software tools that may allow Businesses to manage inventory, assets, item quantities, asset tags, customers, rental orders, quotes, invoices, receipts, payments, deposits, discounts, expenses, vendors, staff permissions, analytics, calendar events, documents, public rental requests, handoffs, deliveries, returns, damages, missing items, late returns, and support tickets.

Louer may add, change, suspend, limit, or discontinue features at any time. Some features may be available only on certain plans, during trials, or after additional setup such as payment provider, email, SMS, AI, or domain configuration.

5. Business responsibility

Each Business is solely responsible for its rental operations. This includes item ownership, item condition, pricing, availability, customer communication, fulfilment, delivery, setup, pickup, collection, contracts, cancellation terms, refund terms, caution deposits, taxes, staff actions, customer documents, compliance with consumer protection rules, and compliance with all laws applicable to that Business.

Louer provides records and tools. Louer does not guarantee the accuracy of a Business's listings, the condition of its items, the availability of any rental item, or the conduct of any Business or Customer.

6. Marketplace and customer enquiries

The Louer Marketplace is intended to help Customers discover rental Businesses. Public requests are enquiries only, whether a Customer requests one item or multiple items in a single enquiry. A request is not a confirmed booking until the relevant Business approves availability and communicates payment, pickup, delivery, setup, or document requirements.

Louer does not own, rent, manufacture, inspect, store, deliver, install, collect, or insure items listed by Businesses. Louer may remove, hide, restrict, or review public listings that appear inaccurate, unsafe, misleading, unlawful, prohibited, or harmful to users or the platform.

Customers should carry out reasonable due diligence before paying any Business, especially for marketplace requests, manual bank transfers, account details sent after approval, delivery arrangements, or high-value rentals. Customers should review the Business name, contact details, location, rental terms, uploaded documents, payment reference, and any available verification badge before making payment.

Where one enquiry includes items from different Businesses, each Business remains separately responsible for its own pricing, availability, documents, payment instructions, fulfilment, delivery, pickup, returns, deposits, and refunds. Louer may help organize the enquiry, but it does not merge separate Businesses into one rental contract.

7. Payments and financial role

Unless Louer expressly states otherwise in writing, Louer does not receive rental payments on behalf of Businesses, operate wallets, hold customer funds, provide escrow, manage balances, or distribute rental funds to Businesses.

Where online rental payments are used, the Business should receive payments directly into its own approved payment account. Louer subscription payments are separate from rental payments between Businesses and Customers. Businesses remain responsible for confirming manual transfers, POS payments, cash payments, refunds, chargebacks, deposits, and deductions.

8. Accounts, staff, and security

Users are responsible for maintaining the confidentiality of account credentials and for all activity under their accounts. Business owners are responsible for creating staff accounts, assigning permissions, reviewing staff activity, and removing access when staff leave or roles change.

You must notify Louer promptly if you suspect unauthorized access, credential compromise, fraud, or misuse. Louer may require password resets, restrict access, or take protective action where account security is at risk.

9. Subscription plans and billing

Louer may offer trial, Starter, Growth, Premium, Enterprise, or other subscription plans. Features, usage limits, storage, staff seats, marketplace visibility, AI access, support level, notification allowances, and pricing may vary by plan.

New Businesses may receive a first-month free access period or another promotional trial communicated by Louer. Unless Louer agrees otherwise, trial access is temporary. If payment is not made before or after the trial ends, the workspace may move to the Free plan and features, records, public listings, staff access, exports, support level, email sending, AI access, or other functionality outside the Free plan may be locked, greyed out, hidden, limited, or unavailable until payment is completed or the account is otherwise approved by Louer.

Subscription fees are payable in advance unless otherwise agreed. Failure to pay may result in reminders, reduced access, suspension, deletion of public listings, or termination. Taxes, payment provider fees, bank charges, and currency conversion charges may apply.

For the MVP billing period, plan upgrades take effect immediately after payment is confirmed. Downgrades take effect at the next billing period so that access is not removed suddenly during an active paid period. Any unused value from a previous plan may be handled manually as account credit, added access time, or another billing adjustment approved by Louer. Louer may update this process as automated billing, proration, and subscription management features mature.

10. Acceptable use

You must not use Louer to violate law, deceive users, list prohibited items, infringe rights, distribute malware, attack systems, bypass permissions, scrape data without authorization, impersonate another person, create fake businesses, abuse support, or facilitate fraud.

Louer may investigate suspected misuse and may suspend, restrict, delete, or terminate accounts or listings that create legal, security, financial, reputational, or operational risk.

11. User content and uploaded materials

Businesses retain ownership of the content they upload to Louer, including inventory, images, logos, contracts, customer records, invoices, receipts, notes, documents, prices, and business settings. By uploading content, you grant Louer a limited license to host, process, store, display, transmit, and back up that content solely as needed to operate, secure, support, and improve the platform.

You represent that you have the right to upload and use the content you provide. You must not upload content that is illegal, misleading, confidential without authority, infringing, harmful, or unnecessary for your rental operations.

12. Customer documents

Businesses may use Louer to request or store customer documents such as IDs, payment proofs, signed contracts, delivery documents, or other supporting records. Businesses are responsible for deciding what documents are necessary, informing Customers why documents are requested, protecting those documents, and complying with applicable privacy and data protection rules.

13. Intellectual property

Louer owns or licenses all rights in the platform, software, source code, user interface, design, workflows, documentation, brand, trademarks, logos, AI systems, and related intellectual property. These Terms do not transfer any Louer intellectual property rights to you.

You may not copy, modify, reverse engineer, resell, sublicense, or create competing services from Louer except as expressly permitted by law or written agreement.

14. AI-assisted features

Louer currently uses OpenAI's API, including the GPT-4.1 mini model, to assist authorized Louer support personnel with support-ticket classification, diagnostics, summaries, troubleshooting, and suggested replies. The information sent may include the support message, ticket fields, relevant account or workspace identifiers, technical diagnostics, page context, recent actions, and the AI instructions needed to perform the task. Louer does not intentionally send complete payment-card details to the AI service and users should not include unnecessary identity documents, financial information, passwords, health information, or other sensitive personal data in support messages.

AI analysis supports human staff and does not by itself approve or reject rentals, determine eligibility, suspend accounts, make payment decisions, or produce decisions with legal or similarly significant effects. Louer may replace or add an AI provider after updating the Privacy Policy and completing any required risk, contractual, and transfer review.

Users remain responsible for reviewing AI outputs before relying on them. AI outputs do not constitute legal, accounting, tax, financial, insurance, safety, or professional advice.

15. Availability, maintenance, and changes

Louer aims to provide a reliable service, but uninterrupted or error-free availability is not guaranteed. Access may be affected by maintenance, updates, internet failure, hosting issues, payment provider issues, email provider issues, SMS provider issues, AI provider issues, cyber incidents, force majeure events, or other causes outside Louer's control.

16. Data export and backups

Louer may provide export or backup tools for certain records. Businesses should keep their own copies of important operational, accounting, legal, and customer records where required by law or internal policy. Louer is not responsible for losses caused by a Business failing to export or preserve records it is required to keep.

17. Third-party services

Louer may rely on or integrate with third-party services, including Supabase, Vercel, Resend, Paystack, PostHog, OpenAI, Cloudflare, email providers, SMS providers, storage providers, analytics tools, and map providers. Third-party services are governed by their own terms and policies. Louer is not responsible for third-party outages, fees, restrictions, compliance reviews, or service decisions.

18. Disclaimers

Louer is provided on an "as is" and "as available" basis to the fullest extent permitted by law. Louer does not warrant that the platform will be uninterrupted, error-free, secure against every possible threat, or suitable for every rental business model. Businesses are responsible for confirming that Louer meets their operational, legal, tax, insurance, and accounting needs.

19. Limitation of liability

To the fullest extent permitted by law, Louer will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits; lost revenue; business interruption; lost data; customer disputes; damaged rental items; missing rental items; failed deliveries; late returns; fraud by third parties; or payment disputes between Businesses and Customers.

To the fullest extent permitted by law, Louer's total liability for claims relating to the platform will not exceed the subscription fees paid by the affected Business to Louer during the twelve months before the event giving rise to the claim.

20. Indemnity

You agree to indemnify and hold Louer harmless from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of Louer, your violation of these Terms, your listings, your rental operations, your customer disputes, your uploaded content, your staff activity, or your violation of applicable law.

21. Suspension and termination

Louer may suspend, limit, or terminate access if a user violates these Terms, fails to pay, creates legal or security risk, misuses public listings, abuses support, or harms Louer, Customers, Businesses, payment providers, or third parties. Termination does not remove outstanding payment obligations or legal responsibilities.

22. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Nigeria, including the Nigeria Data Protection Act 2023, applicable directives and guidance of the Nigeria Data Protection Commission, and the Federal Competition and Consumer Protection Act 2018, without excluding any mandatory rights that apply in a user's country of residence.

Before starting formal proceedings, a complainant should email [email protected] or, for privacy matters, [email protected]. Louer will acknowledge an emailed complaint within two business days and aims to provide a substantive response within ten business days. Privacy-rights requests will be decided within 30 days after Louer receives the request and any reasonably required identity information. If more time is permitted and reasonably needed because a matter is complex, Louer will explain the delay and the expected response date.

If a contractual dispute remains unresolved 30 days after a written complaint, either party may propose good-faith mediation through a mutually agreed accredited mediator or multi-door courthouse in Nigeria. Mediation is voluntary unless the parties agree otherwise in writing and does not prevent a user from making a regulatory complaint or seeking urgent relief. If the dispute is not settled, it may be brought before the Federal High Court where that court has subject-matter jurisdiction or otherwise before a State High Court or other court of competent jurisdiction in Nigeria. Mandatory consumer, privacy, and local-law rights are not waived by this clause.

23. Changes to these Terms

Louer may update these Terms from time to time. Where required by law or where changes are material, Louer may notify users by email, in-app notice, or website notice. Continued use after updates take effect means acceptance of the updated Terms.

24. Contact

Questions about these Terms, legal notices, or unresolved complaints may be sent to [email protected]. General complaints may be sent to [email protected], and privacy requests to [email protected].

Effective date and last updated: 28 September 2026.

1. Introduction

Louer respects privacy and is committed to protecting personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, how we protect it, how long we keep it, and what rights may be available to you.

This policy applies to the Louer website, mobile-friendly web application, Marketplace, customer request pages, business dashboard, support services, AI-assisted support tools, and related services.

2. Identity and data-protection roles

Louer Innovations Limited, a company registered in Nigeria with RC Number 9763709, operates the Platform and is the data controller when it decides why and how account, subscription, billing, direct Marketplace, website, analytics, security, support, and legal-compliance information is processed. The controller can be contacted at [email protected]; legal notices may be sent to [email protected].

Each rental Business is ordinarily the data controller for customer, staff, vendor, rental, document, and operational personal data that it places in its workspace or asks Louer to collect for it. Louer processes that data as the Business's data processor or service provider, under the Business's instructions, except where Louer must process the data for its own security, fraud prevention, billing, legal-compliance, or platform-administration purposes. The individual whose personal data is processed is the data subject. Suppliers such as hosting, database, email, payment, analytics, and AI providers may act as Louer's subprocessors.

If a rental Customer's information was entered by a Business, the Customer should normally contact that Business first. Louer will assist the Business with verified requests and will respond directly where Louer is the controller or applicable law requires it.

3. Account information

When a user creates or uses an account, we may collect name, email address, phone number, password credentials in protected form, business name, business address, country, currency, role, subscription plan, staff permissions, login activity, and account preferences.

4. Business information

Businesses may provide business registration details, public contact information, branch locations, business logo, business settings, payment settings, notification settings, marketplace settings, social media links, delivery preferences, staff records, and internal operational notes.

5. Customer information stored by Businesses

Businesses may store customer names, email addresses, phone numbers, addresses, rental histories, invoices, receipts, balances, uploaded documents, payment records, signed agreements, delivery instructions, return notes, damage records, and communication notes. This information is used by the Business to manage rental operations.

6. Rental, inventory, and operational information

Louer may process inventory records, item images, item quantities, asset tags, item condition, availability, bookings, rental dates, quotes, invoices, receipts, part payments, deposits, discounts, fees, expenses, vendors, delivery notes, handoff status, returned quantities, missing items, damages, late returns, calendar notes, follow-ups, and audit logs.

7. Marketplace information

If a Business chooses to publish selected items publicly, Louer may display business name, location, item names, images, descriptions, public contact details, social links, pricing where enabled, and other information the Business chooses to make public. Businesses may update or remove public listings through their settings where supported.

8. Documents and uploaded files

Users may upload contracts, terms, IDs, payment proofs, receipts, business documents, customer documents, item images, return evidence, and other files. Businesses should only request and upload documents that are necessary for their rental process and should handle sensitive documents carefully.

9. Support and diagnostics

When users contact support or submit a support request, Louer may collect contact details, support messages, screenshots, browser details, page context, error messages, diagnostics, account identifiers, and recent actions needed to investigate and resolve the issue.

10. Technical and usage information

We may automatically collect IP address, browser type, device type, operating system, approximate location inferred from technical data, pages visited, session activity, clicks, performance information, crash reports, referral URL, and security events. This helps us operate, secure, troubleshoot, and improve Louer.

11. Cookies and similar technologies

Louer may use cookies, local storage, and similar technologies to keep users signed in, remember preferences, support security, improve performance, understand feature usage, and maintain sessions. Users may disable cookies in their browser, but some features may not work properly.

12. Analytics

Louer may use analytics tools to understand how users move through the product, where users drop off, and which features need improvement. Analytics data may include page views, feature interactions, device details, and workspace-level usage patterns. We use analytics to improve the product, not to sell personal information.

13. AI-assisted processing

Louer's implemented AI support feature uses OpenAI's API and the GPT-4.1 mini model. When an authorized support administrator requests analysis, Louer may send OpenAI the support message or ticket, relevant ticket fields, workspace or account identifiers, technical diagnostics, page context, recent actions, and instructions for classifying the issue and drafting a suggested response. The resulting analysis may be stored with the support ticket. OpenAI acts as a service provider for this processing. Louer configures the API request not to create response application state where the API permits, although OpenAI may retain limited logs for abuse monitoring or legal compliance under its business data controls. OpenAI states that API inputs and outputs are not used to train its models by default unless the customer opts in; Louer does not opt in for support-ticket data.

AI output is reviewed by a human and is not used as the sole basis for decisions that produce legal or similarly significant effects. Do not include passwords, complete card details, government identification documents, health information, or other unnecessary sensitive information in support prompts. Louer will update this section before materially changing the AI provider or purpose.

14. How we use information

We use information to provide the platform, authenticate users, create accounts, manage subscriptions, display dashboards, process rental workflows, send notifications, support public enquiries, improve reliability, detect misuse, secure accounts, provide support, troubleshoot errors, develop features, run analytics, maintain records, and comply with legal obligations.

15. Legal bases and lawful reasons

Depending on the activity and applicable law, Louer relies on performance of a contract or steps requested before a contract; compliance with legal obligations; legitimate interests such as securing, supporting, preventing fraud against, and improving the Platform where those interests are not overridden by individual rights; consent where consent is required; and, in an emergency, protection of vital interests. Where Louer relies on consent, it may be withdrawn at any time without affecting processing that was lawful before withdrawal.

16. Payment information

Louer does not store complete card details. Payments may be processed by approved third-party payment providers. Payment providers may collect and process payment information under their own terms and privacy policies. Louer may store transaction references, billing status, payment method labels, amounts, dates, and receipts needed for records and support.

17. Information sharing

We do not sell personal information or share it for cross-context behavioural advertising. Current service providers may include Supabase for authentication, database, storage, and server functions; Vercel and Cloudflare for web delivery and security; Resend for email delivery; Paystack for payment processing; PostHog for product analytics when configured; and OpenAI for the support-AI processing described above. A provider receives only the categories reasonably needed for its function. Providers are subject to their own terms and to contractual or other safeguards required by applicable law.

We may also disclose information where required by law, court order, regulator request, fraud investigation, or a business transfer, or where reasonably necessary to protect legal rights, users, or Platform safety. We do not permit a provider to use Business workspace data for its own direct marketing.

18. Business workspace separation

Louer is designed so each Business accesses its own workspace data. Users in one Business should not access another Business's private records. App-owner support access is kept separate and used for troubleshooting, support oversight, security, abuse prevention, diagnostics, and account administration.

19. International processing

Louer is operated from Nigeria and uses providers whose systems or personnel may process information in Nigeria, the United States, the United Kingdom, the European Economic Area, and other countries in which those providers maintain approved facilities. Those countries may have different data-protection laws from the country where the information was collected.

For a restricted international transfer, Louer will use a lawful transfer mechanism appropriate to the originating jurisdiction, such as an adequacy decision, contractual clauses, the UK International Data Transfer Agreement or Addendum, another regulator-approved instrument, or a permitted statutory derogation, together with a transfer-risk assessment and supplementary security measures where required. A data subject may request information about the applicable safeguard at [email protected].

20. Security

We use reasonable technical and organizational measures to protect information, including HTTPS, authentication, role-based permissions, database security policies, access controls, audit logs, monitoring, and secure third-party infrastructure. No electronic system is completely secure, so users must also protect passwords, devices, staff access, and exported files.

21. Data retention

Louer does not retain identifiable personal data indefinitely. Unless a shorter or longer period is required by law, a legal hold, an active dispute, fraud prevention, or documented Business instructions, the standard retention periods are:

• waitlist and unsuccessful sales-enquiry data: 24 months after the last meaningful contact;
• account, profile, staff-access, and workspace settings: while the account is active and for 30 days after verified closure;
• Business-controlled customer, rental, vendor, and uploaded-document data: while the workspace is active and for 30 days after verified closure, after which production copies are deleted or anonymized unless the Business requests earlier deletion or law requires retention;
• subscription invoices, transaction references, tax, and accounting records: six years after the relevant transaction or the end of the financial period to which the record relates;
• support tickets and related AI analyses: two years after the ticket is closed;
• security, access, and audit logs: 12 months after collection, unless needed for an investigation;
• unsuccessful Marketplace verification applications and documents: 12 months after the decision; approved verification records: while approval remains active and for two years afterward;
• product analytics containing online identifiers: up to 14 months after collection; and
• encrypted backups: up to 90 days after deletion from production systems, unless isolation for a legal hold is required.

At the end of the applicable period, information is securely deleted or irreversibly anonymized. Businesses remain responsible for setting lawful retention periods for data they control and for instructing Louer where a different period is legally required.

22. Deletion and account closure

On verified account closure, Louer will remove or hide public listings and begin the retention and deletion process described above. Information preserved for legal, accounting, security, billing, fraud-prevention, dispute, or compliance reasons will be isolated from ordinary use and deleted when the reason expires. Deletion from backups may take up to 90 days.

23. Your rights

Subject to the conditions and exceptions in applicable law, every data subject may ask Louer to confirm whether personal data is processed and obtain access to it; correct inaccurate or incomplete data; erase data; restrict processing; object to processing based on legitimate interests or to direct marketing; receive eligible data in a structured, commonly used, machine-readable format and request transfer to another controller; withdraw consent; object to or obtain human review of qualifying solely automated decisions; and complain to a competent supervisory authority. Louer will not discriminate against a person for exercising a privacy right.

Send a request to [email protected] with enough information to identify the relevant account, Business, or rental request. Louer will acknowledge it within two business days and respond without undue delay and ordinarily within 30 days after receiving the request and any reasonably required identity verification. If applicable law permits an extension for a complex request, Louer will explain the reason and expected date before the initial period expires. Requests are normally free, but Louer may refuse or charge a lawful reasonable fee for a manifestly unfounded or excessive request.

A person dissatisfied with Louer's response may escalate to [email protected] and may lodge a complaint with the Nigeria Data Protection Commission. A person in another jurisdiction may also complain to the authority competent where that person lives or works, including the UK Information Commissioner's Office, Ghana Data Protection Commission, Kenya Office of the Data Protection Commissioner, South Africa Information Regulator, Office of the Privacy Commissioner of Canada or relevant provincial authority, UAE Data Office or applicable free-zone authority, or a competent United States state regulator such as the California Privacy Protection Agency. Regulatory and court rights do not depend on completing Louer's internal process.

24. Children's privacy

Louer accounts and self-directed Marketplace requests are for people aged 18 or older. Louer does not knowingly allow a child to open an account or submit a request independently. A Business must not enter a child's personal data unless it has a lawful, necessary rental-related purpose and all required authority. Where processing relies on consent and the individual is a child or lacks legal capacity, the Business and Louer must obtain and, where appropriate, verify the consent of a parent or legal guardian, subject to the Nigeria Data Protection Act 2023 and any stricter applicable law. If Louer learns that a child's information was collected without proper authority, it will restrict and delete it unless law requires preservation.

25. Personal data breaches

Louer maintains an incident-response process and records personal data breaches. A processor must notify the relevant controller without undue delay after becoming aware of a breach. Where Louer is the controller, Louer will notify the Nigeria Data Protection Commission within 72 hours after becoming aware of a breach that is likely to result in a risk to individuals' rights and freedoms. If a breach is likely to result in a high risk, Louer will communicate it to affected data subjects immediately, in clear language, with practical mitigation steps, unless a lawful exception applies. Louer will also meet any shorter, additional, or jurisdiction-specific notice requirement that applies to the incident.

26. Countries where Louer is offered

Louer is currently designed to support rental Businesses in Nigeria, the United States, the United Kingdom, Canada, Ghana, Kenya, South Africa, and the United Arab Emirates. Technical access from another country does not mean Louer has launched, is licensed, or is legally suitable there. Louer may limit registration, payments, Marketplace publication, or features by location. Each Business must comply with local rental, tax, consumer, employment, marketing, records, and privacy laws that apply to its activities.

For users in the listed countries, this policy is intended to reflect the Nigeria Data Protection Act 2023 and, where applicable to Louer's processing, the UK GDPR and Data Protection Act 2018, Canada's PIPEDA and substantially similar provincial laws, Ghana's Data Protection Act 2012, Kenya's Data Protection Act 2019, South Africa's POPIA, the UAE Federal Personal Data Protection Law and applicable free-zone laws, and United States federal and state privacy laws including the CCPA as amended. A reference to these laws does not state that every law applies to every user or that policy wording alone completes all operational, contractual, registration, representative, impact-assessment, or security obligations.

27. Third-party websites and links

Louer may link to third-party websites, social media pages, payment pages, customer business pages, or external services. We are not responsible for the privacy practices, security, or content of third-party websites.

28. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Where required or where changes are material, we may notify users by email, in-app notice, or website notice. Continued use of Louer after updates means acceptance of the revised policy.

29. Contact

Privacy questions, data-subject requests, and breach notices may be sent to [email protected]. General support questions may be sent to [email protected] and legal escalations to [email protected].

Effective date and last updated: 28 September 2026.

This Refund Policy explains how Louer handles subscription billing refunds. It does not control refunds between rental Businesses and their Customers, which are handled by the relevant Business according to its own rental terms and applicable law.

1. Louer subscription payments

Louer subscription fees are charged based on the plan, billing cycle, agreed limits, and any applicable add-ons. Paid plans may include monthly, annual, enterprise, or custom billing arrangements. Annual plans may include discounted months compared with monthly billing.

2. Free trials and launch pilots

Where Louer offers a free trial, first-month free access, launch pilot, or early-access period, the trial may be limited, extended, converted, or ended according to the terms communicated to the Business. A trial does not guarantee permanent free access. If payment is not completed after the trial, the workspace may move to the Free plan and paid features may be limited, locked, greyed out, hidden, or unavailable.

3. Monthly subscriptions

Monthly subscription fees are generally non-refundable once the billing period has started, except where a refund is required by law, caused by a verified billing error, or approved by Louer after review of the issue.

4. Annual subscriptions

Annual subscriptions may include discounted pricing. Refunds, credits, or cancellations for annual subscriptions are reviewed case by case and may consider payment date, account usage, onboarding status, billing errors, service issues, and payment provider rules.

5. Duplicate, mistaken, or failed payments

If a Business is charged twice, pays the wrong amount, or experiences a verified payment error, Louer will review the payment record and may issue a refund, account credit, correction, or billing adjustment where appropriate.

6. Upgrades, downgrades, and cancellations

For the MVP billing period, upgrades take effect immediately after payment is confirmed. If a Business upgrades during an active paid period, any unused value from the previous plan may be handled manually as account credit, added access time, or another billing adjustment approved by Louer.

A Business may request to downgrade or cancel its subscription. Unless Louer confirms otherwise, downgrades and cancellations take effect at the next billing period. Downgrades may reduce access to staff seats, storage, marketplace visibility, analytics, premium support, or other plan-specific features after the current paid period ends.

7. Account suspension or termination

If an account is suspended or terminated because of non-payment, fraud, abuse, legal risk, security risk, or violation of Louer's Terms, fees already paid may not be refundable to the fullest extent permitted by law.

8. Rental customer refunds

Refunds between a Business and its Customer are controlled by that Business, not by Louer. Louer does not hold rental customer funds, provide escrow, or settle rental funds to Businesses. Customers should contact the relevant Business about rental refunds, caution deposits, damage deductions, or cancellations.

9. Caution deposits and damage deductions

Refundable deposits, damage deductions, missing item charges, incomplete return charges, cleaning charges, and late-return fees are managed by the Business according to its own rental agreement and applicable consumer protection rules.

10. How to request a Louer billing review

Billing or refund questions may be sent to [email protected] or [email protected]. Include the account email, Business name, payment reference, payment amount, payment date, and reason for the request. Louer will acknowledge an emailed request within two business days and aims to decide a complete request within ten business days. If additional information or payment-provider review is required, Louer will explain what is needed and provide an updated timeframe. An unresolved consumer complaint may be escalated under section 22 of the Terms, including to the Federal Competition and Consumer Protection Commission or another competent regulator without giving up any court right.

Effective date and last updated: 28 September 2026.

This Acceptable Use Policy explains the rules and standards that apply when using Louer. Louer is a Software-as-a-Service platform for rental businesses. The Louer Marketplace helps Customers discover approved Businesses and submit rental enquiries, but Louer does not hold rental funds, operate wallets, provide escrow, or settle payments to vendors.

By using Louer, you agree to comply with this policy, Louer's Terms and Conditions, Privacy Policy, and any other policies published by Louer. Failure to comply may result in warnings, restrictions, suspension, removal of Marketplace visibility, or permanent termination of access.

1. Purpose

The purpose of this policy is to protect Louer, Businesses, Customers, payment providers, and the public from unsafe, unlawful, misleading, abusive, or harmful use of the Platform. This policy should be read together with Louer's Terms and Conditions, Privacy Policy, Returns, Refunds, and Disputes Policy, and Delivery and Fulfilment Policy.

2. Who this policy applies to

This policy applies to every person or organization that accesses or uses Louer, including Businesses, business owners, staff members, Customers, public visitors, support users, marketplace viewers, and anyone submitting or managing rental enquiries. Each Business is responsible for ensuring that its owners, managers, staff, contractors, and authorized users comply with this policy.

3. Account eligibility

Users must be at least 18 years old and legally able to use the Platform. A person creating an account for a Business must have authority to represent that Business. Businesses must provide accurate registration information, valid contact information, current account details, and use the Platform only for legitimate rental-related activities.

Louer may refuse, restrict, suspend, or terminate accounts where information is false, incomplete, misleading, unverifiable, unlawful, or creates risk to the Platform.

4. Business verification requirements

Before a Business is allowed to appear publicly on the Marketplace, Louer may require verification information such as business name, owner or authorized representative details, email address, phone number, business address, business category, public contact details, social media pages, website, item listings, and supporting documents.

Registered Businesses may be asked to provide CAC or other registration documents. Informal or individual rental operators may be asked to provide valid identification, proof of address, business evidence, or other information Louer reasonably requires. Louer may approve, decline, limit, or remove public visibility at its discretion.

5. Marketplace listing requirements

Businesses are responsible for ensuring that all public listings are accurate, lawful, safe, current, and not misleading. Listings should accurately describe item name, item category, condition, quantity where shown, pricing where shown, availability limitations, location, delivery options, pickup options, setup options, deposit requirements, document requirements, and any customer restrictions.

Businesses must not publish items they do not own, control, have permission to rent, or reasonably expect to make available. If an item becomes unavailable, damaged, missing, withdrawn from rent, or no longer suitable for public display, the Business should update or hide the listing promptly.

6. Prohibited businesses

Louer must not be used by or for businesses that are illegal, fraudulent, deceptive, exploitative, unsafe, or prohibited by applicable law or payment-provider requirements. Louer may refuse or remove businesses involved in fraud, scams, deceptive practices, illegal businesses, impersonation, money laundering, terrorism financing, identity theft, human trafficking, unauthorized financial services, fake listings, illegal goods, abusive services, rights infringement, or repeated customer harm.

7. Prohibited rental items and services

Users must not list, advertise, request, or facilitate illegal drugs, controlled substances sold unlawfully, firearms, ammunition, weapons, weapon accessories, explosives, explosive materials, counterfeit goods, stolen property, forged products, adult services, unlawful gambling services or equipment, fake documents, endangered wildlife or animal products, hate material, human remains, recalled products, hazardous chemicals, toxic substances, biological hazards, radioactive materials, unlawful surveillance equipment, hacking tools intended for unlawful activity, medical devices requiring special authorization, or any item illegal under Nigerian law or the law of the relevant location.

Louer may also restrict regulated, dangerous, high-risk, age-restricted, offensive, or unusually sensitive items where additional verification, insurance, licensing, or safety review would be required.

8. Prohibited activities

Users must not use Louer for fraud, impersonation, fake businesses, fake customer accounts, fake bookings, fake reviews, search-ranking manipulation, spam, phishing, malware, scraping, copyright infringement, harassment, threats, payment fraud, chargeback abuse, misleading photos, unlawful surveillance, unauthorized resale, data harvesting, or misuse of customer personal data.

Users must not bypass permissions, share accounts improperly, hide staff activity, manipulate records, falsify invoices or receipts, misrepresent payment status, interfere with audits, or use Louer to deceive Customers, Businesses, payment providers, regulators, or Louer support.

9. Customer responsibilities

Customers using the Marketplace or public business pages should review listings carefully, submit accurate contact and event details, confirm rental terms directly with the Business, understand payment requirements before paying, and carry out reasonable due diligence before sending money to any Business.

A public rental request is an enquiry only. Customers should not treat a request as confirmed until the relevant Business approves availability and communicates payment, pickup, delivery, setup, document, or contract requirements.

Customers must not submit fake bookings, harass Businesses, intentionally damage rental property, misuse personal information, attempt fraud, refuse agreed returns without lawful basis, or use Louer to create unsafe or abusive interactions.

10. Intellectual property

Users must not upload or publish content that infringes trademarks, copyrights, designs, publicity rights, privacy rights, or other intellectual property rights. Businesses must have the right to use logos, item images, product descriptions, contracts, documents, and other materials uploaded to Louer.

11. Data protection and privacy

Businesses should collect and store only customer information and documents that are reasonably necessary for their rental operations. Users must not publish private customer documents, misuse identity documents, expose payment proofs unnecessarily, sell customer data, or use customer records for unrelated purposes.

12. Fraud prevention

Louer may review accounts, listings, support reports, public requests, payment records, usage patterns, documents, and technical signals to detect fraud, impersonation, unsafe listings, fake activity, or platform abuse. Louer may request additional verification before enabling or restoring public visibility.

13. Platform safety

Louer reserves the right to suspend, restrict, remove, or terminate any account, listing, Marketplace visibility, content, feature access, or activity that, in Louer's reasonable opinion, threatens user safety, creates legal risk, undermines trust in the Platform, damages Louer's reputation, interferes with Platform security, or threatens the safety, integrity, reputation, security, or lawful operation of the Platform or its users.

Louer may take protective action before, during, or after an investigation where reasonably necessary to protect users, payment providers, service providers, or the Platform.

14. Reporting violations

Suspected fraud, unsafe listings, impersonation, intellectual property infringement, customer harm, vendor abuse, phishing, privacy misuse, or other violations may be reported to [email protected]. Reports should include the Business name, listing link, screenshots, dates, messages, payment references where relevant, and a clear description of the concern.

15. Investigations

Louer may review platform records, request information from Businesses or Customers, contact affected parties, preserve relevant records, restrict public visibility, or temporarily suspend accounts while investigating suspected misuse. Louer may decline to share confidential investigation details where doing so could expose users, security controls, or legal processes.

16. Enforcement actions

Depending on the issue, Louer may warn a user, remove content, hide a listing, disable Marketplace visibility, restrict features, suspend an account, terminate access, preserve records, notify affected users, refuse future accounts, or report unlawful conduct to appropriate authorities or service providers.

17. Appeals

A Business or User may contact [email protected] to request review of an enforcement action. The request should explain why the action should be reconsidered and include supporting documents or evidence. Louer will acknowledge an emailed appeal within two business days and aims to decide a complete appeal within ten business days, subject to any investigation, urgent safety restriction, or legal requirement. Louer is not required to restore access where it reasonably believes continued use creates legal, security, financial, reputational, or customer safety risk.

18. Changes to this policy

Louer may update this Acceptable Use Policy as the Platform, laws, risk controls, payment-provider requirements, or Marketplace features evolve. Continued use of Louer after an update means acceptance of the updated policy.

19. Contact information

Questions or reports about acceptable use may be sent to [email protected]. Legal notices may be sent to [email protected].

Effective date and last updated: 28 September 2026.

This policy explains Louer's role in delivery, pickup, setup, fulfilment, and return logistics. Louer is not a fulfilment centre and does not physically handle rental items.

1. Louer's limited role

Louer provides software records for enquiries, approvals, invoices, handoffs, deliveries, customer pickup, setup, returns, damages, documents, and messages. Louer does not store, pack, ship, deliver, install, inspect, arrange, insure, or collect rental items.

2. Business responsibility

Each Business is responsible for preparing items, confirming availability, assigning staff, arranging delivery, confirming pickup, managing venue access, handling setup or installation, collecting items, inspecting returns, and communicating logistics with Customers.

3. Enquiries and confirmations

A public request submitted through Louer is an enquiry until approved by the Business. Customers should not treat an enquiry as a confirmed rental until the Business confirms availability and communicates payment, delivery, pickup, setup, or document requirements.

4. Delivery options

Businesses may offer delivery, customer pickup, collection, setup, installation, after-hours service, or other logistics options. The Business should clearly communicate available options, addresses, dates, time windows, contact persons, access requirements, and responsibility for loading or unloading.

5. Distance and logistics charges

Businesses may charge delivery, pickup, mileage, fuel, handling, setup, installation, tolls, parking, after-hours service, caution deposit, or other logistics fees. These fees should be disclosed before payment is requested, including whether the distance charge is calculated by kilometre, mile, trip, zone, or manual quote.

6. Customer pickup

Where Customer pickup is selected, the Business should provide pickup address, pickup date, pickup time, authorized collector requirements, identification requirements, loading instructions, item care instructions, return location, and return deadline.

7. Delivery by the Business

Where the Business delivers items, the Business is responsible for scheduling dispatch, assigning drivers or staff, confirming delivery address, estimating arrival time, checking venue access, managing loading and unloading, and notifying the Customer of delays or changes.

8. Third-party logistics

A Business may use its own drivers, third-party logistics providers, artisans, installers, or other service providers. The Business remains responsible for choosing, supervising, and paying those providers and for resolving Customer issues connected to their work.

9. Item handoff

Businesses should check items before release and may record handoff status in Louer, such as reserved, preparing, out for delivery, with customer, partially returned, damaged, missing, late, or returned. Handoff records are business records and do not replace proper inspection, insurance, or signed agreements where needed.

10. Setup and installation

If setup, staging, installation, mounting, decoration, or technical support is required, the Business should explain what is included, what is excluded, timing, access requirements, safety requirements, additional fees, and any customer responsibilities.

11. Delays, changes, and failed delivery

If delivery, pickup, setup, or return timing changes, the Business should inform the Customer promptly. If delivery fails because of wrong address, inaccessible venue, unavailable contact person, unpaid balance, missing documents, safety risk, or other issue, the Business is responsible for handling the outcome according to its terms.

12. Customer responsibilities

Customers should provide accurate delivery or pickup information, ensure someone authorized is available at the agreed time, prepare venue access where needed, comply with document or identification requirements, and care for rental items while in their possession.

13. Closed days and special dates

Businesses may use Louer to record closed days, internal calendar notes, unavailable dates, or special logistics notes. These records are tools to assist planning, but the Business remains responsible for confirming whether it can accept, deliver, set up, or collect rentals on any date.

14. No fulfilment guarantee by Louer

Louer does not guarantee that any Business will deliver, install, collect, or fulfil a rental. Customers should communicate directly with the Business responsible for the rental. Louer may review repeated complaints or platform misuse but does not become the fulfilment provider.

15. Platform safety

Louer may suspend, restrict, remove, or terminate any account, listing, delivery-related feature, or public visibility where fulfilment conduct creates risk to Customers, Businesses, Louer, payment providers, or the lawful operation of the Platform.

Effective date and last updated: 28 September 2026.

This policy explains the general approach to rental returns, cancellations, caution deposits, damages, and disputes on Louer. The relevant Business remains responsible for its own rental terms and customer relationship.

1. Business terms control rental transactions

Each Business should communicate its cancellation, refund, return, damage, replacement, late-return, caution-deposit, and document requirements before requesting payment from a Customer. Louer provides tools to record these matters but does not set the Business's rental terms.

2. Customer cancellations

Cancellation outcomes depend on the Business's terms, timing, work already done, item reservation, preparation cost, delivery arrangement, setup planning, and any cancellation charges disclosed to the Customer. Businesses should apply cancellation terms fairly and in line with applicable consumer protection requirements.

3. Business cancellations or rejected enquiries

A Business may reject an enquiry or cancel a rental where items are unavailable, damaged, unsafe, unpaid, affected by force majeure, missing required documents, or otherwise impossible to fulfil. The Business should communicate the reason clearly and promptly to the Customer.

4. Customer change of mind

If a Customer changes their mind, the Business decides whether any refund, credit, reschedule, cancellation fee, or deduction applies according to the Business's own terms and applicable law. Louer does not decide rental customer refunds and does not guarantee that a Customer will receive a refund from a Business.

5. Returns and inspection

Businesses may inspect returned items and record full returns, partial returns, late returns, damaged items, missing items, notes, photographs, and supporting documents in Louer. Inspection should be carried out within a reasonable time and in accordance with the Business's rental agreement.

6. Partial returns

If only part of a rental is returned, the Business should record the quantity returned, remaining quantity, reason for incomplete return, notes, follow-up actions, and any customer communication. Partial return records may affect caution deposits, balances, replacement charges, or future bookings.

7. Damage, loss, and replacement

If rental items are damaged, missing, substituted, or returned in poor condition, the Business should document the issue and explain any charges or deductions to the Customer. Evidence may include photos, signed handoff notes, return notes, staff notes, repair invoices, replacement quotations, or messages.

Responsibility for damage, loss, or replacement is determined between the Business and Customer based on their rental agreement, handoff records, return records, photos, uploaded documents, payment records, messages, and other evidence. Louer may help store records but does not act as a court, arbitrator, insurer, or final judge of fault.

8. Caution deposits

Caution deposits are managed by the Business. Deductions for damage, loss, cleaning, late return, missing parts, incomplete return, or replacement should be reasonable, documented, and explained. Businesses should record whether a deposit was refunded, partly refunded, deducted, or still held, including the amount and reason. Louer does not hold or release caution deposits unless a separate written arrangement says otherwise.

9. Late returns

Businesses may charge late-return fees where disclosed in advance or included in the rental terms. Louer may help flag late rentals, record status, and support follow-up, but the Business remains responsible for enforcement and customer communication.

10. Delivery delays and fulfilment issues

If delivery, pickup, setup, installation, or collection is late, incomplete, or unsuccessful, the Business is responsible for communicating with the Customer and deciding any compensation, refund, credit, reschedule, or remedy according to its terms and applicable law.

11. Vendor non-response or disappearance

If a Customer reports that a Business is not responding, has failed to fulfil a rental, or appears to have disappeared after payment, Louer may review the report, contact the Business, restrict public visibility, suspend the Business, remove listings, or take other platform action. Louer does not refund Customers for payments made directly to a Business unless Louer separately agreed in writing to collect and handle those funds.

12. Disputes between Customers and Businesses

Customers should first contact the Business that accepted the rental. The Business is responsible for investigating the issue and responding to the Customer under its own published complaint process and applicable consumer law. A platform-related complaint may be sent to [email protected]. Louer will acknowledge an emailed complaint within two business days and aims to provide a substantive response within ten business days. Louer may review reports involving public listing abuse, unsafe listings, repeated complaints, fraud, impersonation, or misuse of the platform.

13. Louer's role in disputes

Louer may review platform records, request evidence, restrict public visibility, ask a Business or Customer for clarification, preserve records, or suspend access where platform misuse is suspected. Louer reviews reports for platform safety and may take account or listing action, but Louer does not make binding legal decisions between Businesses and Customers.

14. Reports by Customers and Businesses

Customers may report Businesses for fake listings, suspicious payment requests, unsafe items, failed delivery, harassment, refund disputes, or items not matching public descriptions. Businesses may report Customers for damaged property, missing items, fraud, abuse, fake bookings, non-payment, chargeback abuse, unsafe conduct, or refusal to return items.

15. Temporary suspension during review

Louer may temporarily suspend, hide, or restrict a Business, Customer account, listing, or public visibility while reviewing a serious complaint or risk. Louer may permanently remove accounts or listings for fraud, repeated complaints, unsafe conduct, prohibited items, misuse of customer data, impersonation, or other violations of Louer's policies.

16. Subscription refunds are separate

Refunds for Louer software subscriptions are separate from rental customer refunds and are handled through Louer support according to Louer's billing and refund policy.

17. Platform safety

Louer reserves the right to suspend, restrict, remove, or terminate any account, listing, content, feature access, or activity that, in Louer's reasonable opinion, threatens the safety, integrity, reputation, security, or lawful operation of the Platform or its users.

18. Contact

Dispute or safety reports may be sent to [email protected]. Legal notices may be sent to [email protected].