Terms & Conditions

Welcome to MICEP Food Plan. By registering for a Food Plan, purchasing a Food Plan package, making a contribution, submitting a payment, or otherwise participating in the programme, you confirm that you have read, understood and agreed to these Terms & Conditions.

If you do not agree with these Terms & Conditions, you should not register for or participate in the MICEP Food Plan programme.

1. Nature of the MICEP Food Plan

MICEP Food Plan is a structured food-planning and contribution programme. A participant selects an available Food Plan package and an applicable contribution option and makes contributions over the agreed programme duration.

The purpose of the programme is to enable the participant to make contributions towards the completion of a selected food package and, subject to the applicable programme rules, receive the food items associated with the completed package.

The Food Plan is therefore a food package purchase and contribution arrangement. It is not a savings account, investment product, bank deposit, loan, insurance product, or guaranteed cash-return scheme.

2. Acceptance of These Terms

By completing registration or joining a Food Plan, you confirm that the information you provided is accurate, you understand the package, contribution amount, contribution frequency and programme duration you selected, and you agree to comply with the rules governing the Food Plan.

You also understand that the programme is intended for the provision of food items and not for cash repayment, and that contributions are subject to the applicable cancellation, return, payment, fine, clearance and collection rules.

3. Choosing a Food Plan

Participants are responsible for reviewing package information before joining. Depending on the package available, the participant may select a Food Plan package, contribution option, frequency, programme cycle or duration, and the applicable number of contribution ticks.

The participant should carefully review the selected package before completing payment. Once a package has been successfully joined, the participant is expected to follow the contribution and programme rules applicable to that package.

4. Contribution Obligations

Participants are responsible for making their required contributions according to the schedule applicable to their selected package. A participant may be permitted to pay ahead where the system allows it, subject to the maximum number of outstanding ticks on the package.

A participant must not assume that making a payment automatically changes the terms, duration, package contents or collection arrangements.

5. Fines, Arrears and Outstanding Obligations

Where applicable, missed contributions may become arrears. The Food Plan may provide a grace period for missed contributions before applicable fines begin.

Where fines or other outstanding obligations apply, the participant may be required to clear them before certain programme actions, including package clearance or collection, can be completed.

6. Payment Methods

MICEP may provide different payment methods, including instant online payment and manual payment. Where manual payment is used, the participant may be required to submit proof of payment. A manual payment is not treated as finally confirmed merely because proof has been uploaded; it may be subject to review and approval.

Participants must not submit false, altered, duplicated or misleading payment evidence.

7. Payment Confirmation

A participant is responsible for ensuring that the correct amount is paid and that the payment is made for the intended Food Plan. Where a payment is incomplete, failed, duplicated, invalid or unconfirmed, the participant may be required to resolve the issue before the relevant contribution is credited.

8. Food Items and Package Contents

The primary obligation of MICEP under the Food Plan is to provide the agreed food items or food package associated with the completed programme, subject to availability and the applicable programme terms.

Food items may change because of market prices, inflation, supply changes, shortages, product availability, changes in packaging or product sizes, regulatory requirements, transportation or logistics difficulties, unforeseen events, or other circumstances affecting the ability to obtain particular items.

Where a particular item becomes unavailable or commercially impracticable to provide, MICEP may provide a reasonably comparable alternative, where appropriate, while taking the participant's completed Food Plan into consideration.

9. Changes in Food Prices

The participant understands that food prices may change significantly during the period between joining a Food Plan and completing it. The Food Plan is based on the package and contribution arrangement selected by the participant and is not a guarantee that every individual food item will remain at the same market price throughout the programme.

10. Cash Alternative

The participant understands that the agreed purpose of the programme is the provision of food items. MICEP is therefore not obligated to provide a cash equivalent simply because the participant prefers cash instead of the agreed food items.

However, MICEP may, at its discretion and where it considers appropriate, offer a cash alternative instead of physical food items. Any such cash alternative is a discretionary arrangement and does not create an automatic right for the participant or establish a general entitlement for other participants.

11. Completion of a Food Plan

Completion occurs when the participant has satisfied the contribution requirements and any other applicable conditions for the selected Food Plan. Completion of contributions does not necessarily mean that collection must occur immediately.

The participant may be required to complete the applicable clearance or collection process before the food package is released, including providing or confirming package contents, recipient information, collection or delivery preference, delivery location, outstanding obligations, and other information reasonably required for fulfilment.

12. Collection and Delivery

Food packages may be collected or delivered according to the options made available by MICEP. Where delivery is selected, applicable delivery charges, location restrictions or delivery conditions may apply.

The participant is responsible for providing accurate delivery and contact information. MICEP shall not be responsible for delays or failed delivery caused by inaccurate information supplied by the participant, inability to reach the participant, refusal to receive the package, or circumstances outside MICEP's reasonable control.

13. Inspection at Collection or Delivery

Participants should inspect the food package when it is received. Where a participant accepts a package in good condition, the participant should not subsequently attempt to return the food items merely because they have changed their mind or no longer want them.

Nothing in this provision removes any rights that cannot lawfully be excluded under applicable law.

14. No Transfer Without Approval

A Food Plan is associated with the registered participant/account. A participant must not sell, transfer, assign or otherwise give their Food Plan, account, contribution history or package entitlement to another person without MICEP's prior approval where such approval is required.

15. Account and Personal Information

Participants must keep their account information accurate and secure. The participant is responsible for protecting access credentials, tokens and other account information issued to them and should promptly notify MICEP where they believe their account has been compromised.

16. Prohibited Conduct

Participants must not provide false information, submit fraudulent or altered payment evidence, attempt to manipulate contribution records, misuse another person's account, attempt to obtain a package or benefit through deception, interfere with the operation of the platform, abuse MICEP staff or representatives, submit knowingly false complaints, attempt to exploit system errors, or engage in conduct intended to obtain an unfair benefit from the programme.

MICEP may suspend or restrict an account where there are reasonable grounds to investigate suspected fraud, abuse or serious violation of the programme rules, subject to applicable law.

17. System Errors and Corrections

MICEP may correct obvious administrative, calculation, display or system errors. Where an error has resulted in a participant receiving an incorrect account balance, contribution credit, package status or other benefit, MICEP may investigate and correct the record. Where appropriate, the participant will be informed of material corrections affecting their account.

18. Changes to the Programme

MICEP may update its programme rules, package availability, contribution options, payment methods, collection arrangements or other operational procedures where reasonably necessary. Where a change materially affects an existing participant's rights or obligations, MICEP will communicate the applicable change as reasonably appropriate and in accordance with applicable law.

19. Programme Availability

MICEP may temporarily suspend certain platform features or programme operations because of maintenance, payment-provider issues, logistics, security concerns, regulatory requirements, emergencies or other circumstances beyond its reasonable control. MICEP will make reasonable efforts to restore affected services as soon as practicable.

20. Events Beyond Reasonable Control

MICEP shall not be responsible for delays caused by circumstances beyond its reasonable control, including serious supply shortages, transportation disruptions, natural disasters, government restrictions, civil disturbances, widespread infrastructure failures, payment-provider failures or other exceptional circumstances.

21. Complaints and Customer Support

Participants are encouraged to contact MICEP promptly where they have a concern about a payment, contribution credit, package, account, fine, clearance, collection, delivery or any other aspect of the Food Plan. Participants should provide relevant transaction or account information so that the matter can be investigated efficiently.

22. No Waiver of Legal Rights

Nothing in these Terms & Conditions is intended to remove or unlawfully restrict any consumer right, statutory protection, remedy or obligation that cannot legally be excluded or restricted.

Where any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to apply to the extent permitted by law.

23. Entire Agreement

These Terms & Conditions, together with the package information, payment terms, applicable programme rules, policies and information presented to the participant during registration or participation, form the agreement governing the participant's Food Plan.

24. Governing Law

These Terms & Conditions shall be interpreted and applied in accordance with the laws applicable in the Federal Republic of Nigeria. Nothing in these Terms prevents a consumer from exercising any right or remedy available under applicable Nigerian law.

25. Participant Acknowledgement

By proceeding with registration, payment or participation, the participant confirms acceptance of these Terms & Conditions.