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Acct Name: Afridigit LTD

Acct No.: 1014242413

Acct Name: Afridigit LTD

Acct No.: 0138024632


Refund and Cancellation

WHEREAS the services rendered by Afridigit LTD "Customized SMS" entails the sale of Short Message Service(SMS) credit via the national and international cellular networks to the public and corporate institutions ("a Purchaser"), and

WHEREAS SMS is a redeemable item constituting liquid monetary value ("cash"), and

WHEREAS a transaction of sale between Customized SMS and any Purchaser constitutes the exchange of cash for cash, and

WHEREAS a sale by Customized SMS, SMS credit to a Purchaser is conditional upon the Purchaser accepting the terms of Customized SMS refund policy,

NOW THEREFORE THE REFUND POLICY OF Customized SMS IS AS FOLLOWS:

1 - Upon receipt and clearance by Customized SMS of Purchaser purchase price of SMS Customized SMS shall credit the Purchaser SMS account with the number of SMS purchased in the proprietary Customized SMS business system ("the Credit")

2 - The SMS credit to the Purchaser SMS account completess the transaction of Purchase and sale between the Purchaser and Customized SMS.

3 - Customized SMS shall only refund the Purchaser the purchase price in the event that:

3.1 - the Customized SMS proprietary business system fails to make available for delivery or deliver the SMS purchased by the Purchaser within 14 (fourteen) days of Customized SMS having been given written notice by the Purchaser of such or any Customized SMS proprietary business system failure in accordance with the Terms and Conditions of Sale accepted by the Purchaser upon purchasing SMS.

3.2 - the Customized SMS proprietary business system fail to credit the Purchaser SMS account with the number of SMS purchased in the proprietary Customized SMS business system within 5 (five) days of Customized SMS having been given written notice by the Purchaser of such or any Customized SMS SMS proprietary business system failure in accordance with the Terms and Conditions of Sale accepted by the Purchaser upon purchasing SMS.

3.3 - Failure of cellular networks, satellites and satellite functions and cellular network servers, systems or apparatus ("the cellular networks") outside the management and control of Customized SMS, causing SMS delivered by Customized SMS to the cellular networks against possession by Customized SMS of proof of such delivery, to be lost and not delivered to the Purchaser intended SMS recipient SHALL NOT constitute a ground for refund by Customized SMS to the Purchaser. In such event Customized SMS shall assist the Purchaser in any claim the he, she or it may have as a result of the cellular networks receiving but not delivering such SMS.

3.4 - In the event that Customized SMS refund a Purchaser, Customized SMS shall only refund the Purchaser to the equivalent in Naira of the SMS in credit in the Purchaser SMS account alternatively the amount Purchased or depending on case.

3.5 - In applicable circumstances, to be determined by Customized SMS, administrative cost for such refund shall be deducted.