Acceptable Use Policy

Effective date: 1 March 2026 · Last updated: 1 March 2026

This Acceptable Use Policy (“AUP”) governs your use of the Merx Africa Limited platform at merx.com.ng, the Merx mobile application, and related services. This policy supplements our Terms of Service and applies to all users. Violations may result in account suspension, termination, and referral to law enforcement.

1. Permitted Use

The Merx platform is designed for legitimate commerce between buyers and sellers. You may use the Platform to:

List and sell lawful goods and services through your Merx storefront
Purchase goods and services from verified Merx sellers
Conduct escrow-protected transactions as described in our Escrow Agreement
Communicate with buyers and sellers through the Merx inbox
Access analytics and reporting tools for your store

2. Prohibited Goods and Services

You may not list, sell, or facilitate the sale of:

Counterfeit or replica goods, including fake designer items, pirated software, or unauthorised copies of copyrighted material
Stolen property or goods obtained through illegal means
Controlled substances, narcotics, or illegal drugs
Firearms, ammunition, explosives, or other weapons
Human organs, body parts, or any form of human trafficking
Wildlife products or items derived from endangered species
Pornographic or sexually exploitative material, especially involving minors
Financial instruments, securities, or cryptocurrency without appropriate licensing
Goods that violate Nigerian export control laws or international sanctions
Pyramid schemes, Ponzi schemes, multi-level marketing programmes, or fraudulent investment products
Any product or service that is illegal under the laws of the Federal Republic of Nigeria

3. Prohibited Conduct

You may not:

Provide false or misleading information in your profile, product listings, or communications
Create fake reviews, testimonials, or endorsements
Manipulate pricing, transaction volumes, or analytics data
File fraudulent disputes or abuse the escrow dispute process
Collude with another party to defraud a buyer, seller, or Merx
Harass, threaten, or abuse other users through the Platform or related channels
Attempt to bypass or circumvent escrow protections, including off-platform payment solicitation for items listed with escrow
Use automated bots, scripts, or crawlers to access or interact with the Platform without authorisation
Exploit vulnerabilities, conduct denial-of-service attacks, or otherwise interfere with Platform operations
Create multiple accounts to circumvent bans, restrictions, or transaction limits
Use the Platform to launder money, finance terrorism, or engage in any form of financial crime

4. Content Standards

All content you post on the Platform, including product listings, images, descriptions, and messages, must:

Be accurate and not misleading
Not infringe on any third party’s intellectual property rights
Not contain hate speech, discriminatory language, or incitement to violence
Not include malware, phishing links, or other malicious content
Comply with the advertising standards guidelines issued by the Advertising Regulatory Council of Nigeria (ARCON)

5. Enforcement

Merx reserves the right to investigate and take appropriate action against any user who violates this AUP. Actions may include, at our sole discretion:

Issuing a warning
Removing offending content or product listings
Temporarily suspending account access
Permanently terminating the account
Freezing escrowed funds pending investigation
Reporting the activity to the EFCC, Nigeria Police Force, or other relevant authorities
Pursuing civil or criminal legal action

6. Reporting Violations

If you encounter a user or listing that violates this AUP, report it to us at abuse@merx.com.ng or through the “Report” function on the Platform. All reports are investigated and kept confidential.

7. Contact

For questions about this Acceptable Use Policy, contact us at:
Merx Africa Limited
Email: support@merx.com.ng
Lagos, Nigeria