Product Legal Brief

An iDeliver Gift Card is closed-loop store credit: a prepaid right to buy eligible goods and services on iDeliver only. It is not cash, a bank deposit, mobile money, electronic money, or a payment instrument that can be cashed out.

A closed-loop instrument that can only be spent on iDeliver, cannot be withdrawn, and cannot be transferred after claim is ordinarily treated as commercial gift / store credit, not a stored-value wallet that pays out. Allowing payout would look like e-money and may require a licence. Corporate bulk programmes should follow AML/KYC for large invoices (EFCC / SCUML where applicable).

The public product policy covering Gift Cards, Smart Meals (Alerts + Autopilot), Prime, and Prime Plus is published in Terms → Product Terms and Policy.

Short checkout / bot copy (Gift Cards):

iDeliver Gift Cards are store credit for iDeliver orders only. After redeem they sit in your wallet and can be spent on food, grocery, parcel, meals, and Anything. They cannot be withdrawn to a bank, NUBAN, mobile money, or cash. Unclaimed cards expire 12 months after purchase. Gift cards cannot be used to buy another gift card, Prime, or Prime Plus. Non-refundable except for failed delivery or as required by law.

Never buy a gift card because someone on WhatsApp, Instagram, or SMS asked you to. iDeliver will never demand a gift card as payment.

• Smart Meals: free Smart Alerts and paid Autopilot (individual / family). Autopilot places food orders from wallet only (never a silent card charge for the meal). Gift-origin credit may pay Autopilot food orders but not Prime / Prime Plus fees.
• Prime: membership that can waive delivery fee on eligible store orders. Gift-origin credit cannot pay for Prime.
• Prime Plus: membership with a quota of local same-zone parcel delivery-fee waivers. Unused quota does not roll over and is not paid out. Gift-origin credit cannot pay for Prime Plus.

Membership fees are revenue for the billed period, not Gift Card liability. See shared subscription rules.

Money received for a Gift Card is held as store-credit liability, not as an immediate sale of food. When redeemed, it remains liability in the wallet until spent on an eligible order. When an unclaimed card expires, remaining face value is unused store credit (breakage) and is not paid out to a bank or the customer.

Order refunds paid with wallet (including gift-origin credit) return to the iDeliver wallet, not to a bank account number. Exceptional Gift Card purchase refunds (failed delivery that cannot be resent, gateway reversal, or where Nigerian law requires) go to the original payment method where the gateway allows.