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// terms.php — Dabil Terms of Service (public, no login required).
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  <h1>Terms of Service</h1>
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  <p class="eff">Effective date: <?php echo $effective; ?></p>
  <p class="lead">Welcome to <strong>Dabil</strong>. These Terms of Service ("Terms") govern your use of the Dabil cashless dining app, wallet and related services (the "Service"). By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.</p>

  <h2>1. Your account</h2>
  <ul>
    <li>You must be at least 18 years old and provide accurate registration details.</li>
    <li>You are responsible for keeping your password and any two-factor codes confidential and for all activity under your account.</li>
    <li>Notify us immediately at <a href="mailto:support@dabil.com.ng">support@dabil.com.ng</a> if you suspect unauthorised use of your account.</li>
  </ul>

  <h2>2. The Service</h2>
  <p>Dabil lets you scan a restaurant's QR code, browse its menu, place orders and pay from your Dabil wallet. Organisations may fund staff meal-ticket wallets that can be spent through the app. Restaurants set their own menus, prices and availability; Dabil is not the seller of the food and is not responsible for its preparation, quality or safety.</p>

  <h2>3. Wallet, payments and fees</h2>
  <ul>
    <li>You can fund your wallet through our payment partner, <strong>Paystack</strong>. Wallet balances are stored value used to pay for orders within the Service.</li>
    <li>Payments are final once an order is placed and accepted by a restaurant. Where a service fee or commission applies, it will be shown before you confirm.</li>
    <li>Withdrawals to a verified bank account (where available) are processed subject to identity checks and applicable limits.</li>
    <li>You are responsible for ensuring your wallet has sufficient balance for an order.</li>
  </ul>

  <h2>4. Orders, cancellations and refunds</h2>
  <p>Once a restaurant accepts your order, it begins preparation and the order generally cannot be cancelled. If an item is unavailable or an error occurs, the restaurant or Dabil may cancel the order and reverse the amount to your wallet. Refund requests should be raised through Contact Admin in the app; refunds, where due, are returned to your Dabil wallet.</p>

  <h2>5. Meal-ticket / organisation funds</h2>
  <p>If your organisation funds your meal-ticket wallet, those funds are provided under your organisation's rules and may be subject to conditions it sets (such as expiry or eligible use). Meal-ticket funds are used first when you pay for an order.</p>

  <h2>6. Acceptable use</h2>
  <p>You agree not to misuse the Service, including by: attempting fraud or chargeback abuse; accessing another user's account; interfering with or probing the Service's security; using the Service for unlawful purposes; or uploading harmful or infringing content.</p>

  <h2>7. Restaurants and organisations</h2>
  <p>If you use Dabil as a restaurant or organisation administrator, you additionally agree to provide accurate business information, honour orders placed through the Service, keep your menu and pricing current, and use customer data only to fulfil orders and as permitted by our Privacy Policy and applicable law.</p>

  <h2>8. Availability and changes</h2>
  <p>We work to keep the Service available but do not guarantee it will be uninterrupted or error-free. We may add, change or remove features, and may suspend or terminate accounts that breach these Terms or pose a security or fraud risk.</p>

  <h2>9. Limitation of liability</h2>
  <p>To the fullest extent permitted by law, Dabil is not liable for indirect, incidental or consequential losses, or for issues arising from food quality, restaurant conduct, or third-party services such as payment processing and network availability. Nothing in these Terms excludes liability that cannot be excluded by law.</p>

  <h2>10. Privacy</h2>
  <p>Our handling of your personal data is described in our <a href="privacy.php">Privacy Policy</a>, which forms part of these Terms.</p>

  <h2>11. Changes to these Terms</h2>
  <p>We may update these Terms from time to time. The updated version will be posted here with a revised effective date. Your continued use of the Service after changes take effect means you accept the updated Terms.</p>

  <h2>12. Governing law</h2>
  <p>These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled by the courts of competent jurisdiction in Nigeria, subject to any mandatory consumer-protection rights you have.</p>

  <h2>13. Contact us</h2>
  <p>Questions about these Terms can be sent to <a href="mailto:support@dabil.com.ng">support@dabil.com.ng</a> or by phone on +234 809 152 0709.</p>

  <div class="note">This document is provided for general information and does not constitute legal advice. Dabil should have these Terms reviewed by qualified legal counsel before relying on them.</div>
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