TERMS & CONDITIONS

Effective: July 31, 2026

1. Introduction

Welcome to Cushy Rider, the delivery-partner platform operated by Cushy Access Ltd. Cushy Access is a Q-commerce and logistics company that connects customers, merchants and riders for delivery services.

These Terms and Conditions (“Terms”) govern your registration, access to and use of the Cushy Rider mobile application, website, wallet, delivery tools and related services (collectively, the “Platform”). By creating a rider account, going online, accepting or completing a delivery, or otherwise using the Platform, you agree to these Terms and the Cushy Access Privacy Policy.

If you do not agree with these Terms, you must not register as a rider or use the Platform.

2. Eligibility, Verification and Account Registration

To register and remain active as a rider, you must:

a) be at least 18 years old;
b) be legally permitted and physically able to provide delivery services in Nigeria;
c) hold a valid driver’s or rider’s licence of the appropriate class and any permits required for your vehicle and area of operation;
d) provide accurate and current personal, contact, identity, vehicle, licence, bank and emergency-contact information;
e) successfully complete any identity, document, safety or background verification required by Cushy Access; and
f) use a roadworthy vehicle that is registered, maintained and insured as required by applicable law.

You must promptly update any information or document that changes or expires. Cushy Access may reject, restrict or suspend an account where information cannot be verified, a required document has expired, or continued access may create a legal, fraud or safety risk.

3. Account Security and Personal Use

Your rider account is personal to you. You must not share, sell, transfer or allow another person to use it or complete deliveries in your name.

You are responsible for keeping your password, verification codes and device secure. You must notify Cushy Access immediately if you suspect unauthorised access, identity theft or misuse of your account.

Cushy Access may require identity re-verification, a selfie check, document renewal or other reasonable security checks. Providing false documents, operating multiple fraudulent accounts or impersonating another rider may result in immediate suspension or termination and referral to the appropriate authorities.

4. Relationship with Cushy Access

Unless Cushy Access and you enter into a separate written employment agreement, you provide delivery services as an independent delivery partner and not as an employee, agent, partner or representative of Cushy Access.

Subject to these Terms, you may choose when to go online and whether to accept a delivery offered through the shared pool. However, a delivery directly assigned to you and accepted or acknowledged by you becomes your responsibility until it is completed, reassigned or cancelled through the Platform or by authorised support personnel.

You have no authority to make commitments, representations or contracts on behalf of Cushy Access, a customer or a merchant.

Nothing in these Terms removes or limits any right or obligation that cannot lawfully be excluded under Nigerian law. The actual nature of the parties’ relationship will remain subject to applicable law and the way the services are performed in practice.

5. Going Online, Location and Delivery Availability

When you go online, you represent that you are available, fit and properly equipped to receive delivery opportunities. You may go offline when you do not wish to receive new opportunities, except that going offline does not end or remove an active delivery already accepted or assigned to you.

The Platform may show nearby available deliveries based on factors such as your live location, service area, delivery category, vehicle type, account status and operational requirements. A nearby delivery displayed to more than one rider is a shared opportunity and is not reserved until acceptance is confirmed by the Cushy Access server. The first eligible rider whose acceptance is successfully confirmed receives the delivery. An offer may disappear if another rider accepts it, the order is assigned, cancelled, expires or otherwise becomes ineligible.

Cushy Access does not guarantee any minimum number of delivery opportunities, working hours, earnings or service area demand.

6. Delivery Offers, Acceptance and Assignment

Before accepting an available delivery, you should review the information displayed, including the pickup area, drop-off area, estimated distance and expected earnings where available.

Once the Platform confirms your acceptance, or once you acknowledge a delivery assigned to you, you must proceed promptly and complete the delivery in accordance with these Terms. Merely tapping an acceptance button does not create an assignment if the server reports that the delivery has already been taken or is no longer eligible.

You must not accept a delivery that you cannot reasonably and safely complete. You must not manipulate location data, use automated acceptance tools, interfere with allocation systems or coordinate with others to obtain an unfair advantage.

7. Pickup Requirements

For every pickup, you must:

a) travel safely to the merchant or pickup point shown in the Platform;
b) identify yourself and the relevant order without unnecessarily disclosing customer information;
c) use the correct pickup verification process or code where required;
d) confirm that the package count and visible condition match the order information provided to you;
e) not open, taste, consume, substitute, tamper with or photograph the contents of a sealed package; and
f) promptly report missing, damaged, leaking, unsafe, improperly packaged or unready orders through the Platform or support channel.

You must not mark an order as picked up before it has been physically handed to you and successfully verified. You must not collect an order that the Platform identifies as cancelled, already collected or in an ineligible status unless authorised by Cushy Access support.

8. Delivery and Handover Requirements

After pickup, you must:

a) follow a safe and reasonably efficient route to the drop-off location;
b) protect the package from loss, contamination, avoidable delay, tampering and damage;
c) communicate professionally with the customer or merchant only when reasonably necessary for the delivery;
d) follow lawful delivery instructions and use the address, map pin, full house address, landmarks and rider notes together where provided;
e) use the required delivery verification code, signature, photograph or other proof of delivery where applicable; and
f) mark the delivery complete only after a valid handover or another outcome expressly authorised by Cushy Access support.

You must not falsely mark a delivery as arrived, picked up, delivered or completed. You must not leave an order unattended unless the customer expressly requests it, the Platform permits it, and you record the required proof.

Where an address, map pin or instruction is unclear or inconsistent, contact the customer through the approved channel and use the in-app issue-reporting or support tools. Do not guess, disclose the order to bystanders or hand it to an unverified person.

9. Unsuccessful Deliveries, Cancellations and Reassignment

If you cannot reach the customer, believe the address is wrong, encounter an unsafe location, have an accident or face another delivery problem, you must promptly use the relevant in-app report option or contact support and follow the instructions provided.

You must not abandon, dispose of, keep or independently return an order without authorisation, except where immediate action is reasonably necessary to protect life or safety.

An order may be cancelled or reassigned by the customer, merchant or Cushy Access. Once a cancellation or reassignment is communicated through the Platform or support, you must stop acting on the previous assignment and follow any return, disposal or handover instructions. A cancelled or reassigned delivery does not remain an active delivery, although a return trip or other authorised task may still be required.

Repeated avoidable cancellations, acceptance without intention to complete, unreasonable delays, failure to respond during an active delivery or abandonment may affect access to the Platform and may result in a fair adjustment where loss is attributable to the rider.

10. Safety and Road Conduct

Safety takes priority over delivery speed. You must:

a) obey all road traffic, motorcycle, parking and local transport laws;
b) wear an approved crash helmet and any other required protective equipment;
c) ensure that any permitted passenger also uses legally required protective equipment;
d) never ride or drive while intoxicated, impaired, dangerously fatigued or using a handheld phone;
e) not carry prohibited passengers, loads or items, or exceed the safe capacity of your vehicle;
f) keep your vehicle roadworthy and perform reasonable safety checks; and
g) stop in a safe place before reading or entering detailed information on the Platform.

Do not proceed into a location that you reasonably believe is unsafe. Move to a safe place, notify emergency services where necessary, and report the issue to Cushy Access.

You are responsible for traffic offences, fines and penalties arising from your conduct, except to the extent applicable law provides otherwise.

11. Accidents, Emergencies, Loss and Damage

In an accident or emergency, first seek medical assistance and contact the appropriate emergency authority. Notify Cushy Access as soon as reasonably possible and provide truthful details and available evidence.

You must immediately report the loss, theft, spill, contamination, damage or suspected tampering of an order. Do not conceal an incident or negotiate a private settlement concerning a customer’s order without authorisation.

Responsibility for loss or damage will be assessed fairly based on the circumstances, available evidence, applicable law and whether the rider failed to exercise reasonable care or breached these Terms. Cushy Access will not impose a deduction merely because an incident was reported.

12. Earnings, Wallet and Payouts

The delivery earnings or calculation basis applicable to an opportunity will be displayed in the Platform where practicable or otherwise communicated under the applicable rider rate. Rates may consider distance, location, time, demand, delivery type, incentives, tolls or other operational factors.

Eligible earnings are credited to your rider wallet after the delivery is successfully completed and validated. A displayed pending amount is not final until completion and any required verification are confirmed. Completed-delivery earnings, incentives, adjustments, reversals and payouts will appear in your wallet or earnings history.

Cushy Access may correct duplicate credits, calculation errors, fraudulent transactions, chargebacks or amounts paid for a delivery that was not validly completed. Except in an urgent fraud or security case, material adverse adjustments should include a reason and a reasonable opportunity for you to contact support or dispute the decision. Cushy Access will not make arbitrary deductions.

Payout availability, processing time and any disclosed charges are subject to the method shown in the Platform. You must provide accurate bank or payout details. Cushy Access is not responsible for a payment sent to incorrect details supplied by you, but will reasonably assist with investigation where possible.

You are responsible for your personal taxes, levies and expenses arising from your delivery activity, including fuel, data, maintenance, insurance and equipment, unless Cushy Access expressly agrees otherwise in writing.

13. Incentives and Promotions

Cushy Access may offer bonuses, quests, peak-period incentives or other promotions. Each promotion may have separate eligibility requirements, dates and conditions. Incentives have no cash value until earned and validated.

Cushy Access may withhold or reverse an incentive obtained through fraud, collusion, location manipulation, duplicate accounts, false completion or other abuse. Cushy Access may amend or end a promotion, but will not retroactively remove an incentive already validly earned except to correct an error or abuse.

14. Customer Payments and Platform Transactions

Cushy Access operates customer orders on a prepaid basis through the Platform. You must not request or collect unauthorised cash, tips, additional delivery fees or payment for ordered items from a customer or merchant.

Any voluntary tip permitted by the Platform must be handled as shown in the Platform. You must not pressure a customer for a tip or condition delivery on an additional payment.

You must not misuse pickup codes, delivery codes, wallet balances, refunds, promotional credits or any other payment or verification feature.

15. Customer, Merchant and Health-Related Confidentiality

During a delivery you may receive limited personal information, such as names, telephone numbers, addresses, location pins, delivery notes or other information needed to complete the order. You may use this information only for the assigned delivery and authorised support or safety purposes.

You must not:

a) save, copy, publish, sell or share customer or merchant information;
b) contact a customer or merchant after the delivery except through an authorised support process;
c) use delivery information for marketing, harassment, personal visits or any unrelated purpose;
d) disclose the contents of an order, including food, pharmacy or health-related items, to an unauthorised person; or
e) post photographs, screenshots, addresses, conversations or order details on social media.

These confidentiality obligations continue after the delivery and after your rider account is closed. A suspected privacy or security breach must be reported to Cushy Access immediately.

16. Location Tracking, Device Permissions and Privacy

The Cushy Rider app requires location access to match you with nearby deliveries, display navigation and hotspots, verify arrival and delivery progress, provide live tracking to an authorised customer, support safety and fraud prevention, and maintain delivery records.

When you are online or completing an active delivery, the Platform may collect and process precise foreground and background location, route, timestamps, device identifiers, network information and delivery-status events, even when the app is not visibly open. Customer live tracking is limited to information reasonably required for the active delivery.

You may stop availability tracking by going offline when you have no active delivery. Device-level permission changes may prevent core rider functions from working. Location needed for an active delivery may continue to be processed until the delivery is completed, cancelled, reassigned or otherwise closed.

Cushy Access will process personal data in accordance with its Privacy Policy, the Nigeria Data Protection Act 2023 and other applicable law. Data will be retained only for legitimate operational, safety, fraud-prevention, dispute, accounting and legal purposes and protected using reasonable organisational and technical safeguards.

17. Communications and Notifications

Cushy Access may send operational communications by in-app message, push notification, SMS, telephone, WhatsApp or email. These may include nearby delivery alerts, direct assignments, cancellations, safety messages, verification requests, account notices and support updates.

You are responsible for maintaining a reachable telephone number, a compatible device, sufficient data or network access and appropriate notification permissions. Delivery availability is dynamic, and Cushy Access does not guarantee that every notification will arrive before an opportunity is accepted, cancelled or becomes ineligible.

Marketing communications will be managed in accordance with applicable law and available opt-out choices. You may not opt out of communications strictly necessary to operate an active delivery, protect account security or provide legally required notices while continuing to use the relevant service.

18. Professional Conduct and Prohibited Activities

You must treat customers, merchants, staff, other riders and members of the public respectfully and without harassment or discrimination.

You must not:

a) threaten, assault, stalk, harass or discriminate against any person;
b) steal, tamper with, consume or unlawfully possess an order;
c) carry weapons or unlawful items while using the Platform;
d) falsify location, identity, delivery status, proof of delivery, distance, expenses or documents;
e) solicit customers or merchants to bypass the Platform;
f) use bots, modified apps, emulators or other unauthorised tools to manipulate delivery allocation or Platform functions;
g) collude with another person to create false orders, completions, ratings, referrals or incentives;
h) engage in abusive, fraudulent, dangerous or unlawful conduct; or
i) interfere with the Platform, attempt unauthorised access or introduce malicious software.

19. Equipment and Connectivity

Unless expressly supplied by Cushy Access under separate written terms, you are responsible for your vehicle, smartphone, mobile data, power supply, helmet, delivery bag and other equipment required to provide delivery services.

Any Cushy Access-branded bag, uniform, device or other property issued to you remains subject to the applicable issue or return conditions. You must keep it reasonably clean and secure and must not use Cushy Access branding to mislead the public or for unauthorised activity.

20. Ratings, Quality and Fraud Review

Customers and merchants may rate deliveries or submit complaints. Cushy Access may review delivery timing, verification events, support reports, route and location records, proof of delivery and other relevant evidence to maintain service quality, investigate safety events and prevent fraud.

Ratings or automated signals will not be treated as conclusive proof of misconduct on their own. Where practicable, you will be given notice of a material allegation and a reasonable opportunity to respond, subject to urgent safety, legal, fraud or account-security restrictions.

21. Suspension, Restriction and Termination

Cushy Access may temporarily restrict or suspend access while investigating suspected fraud, identity misuse, expired documents, unsafe conduct, a serious complaint, unlawful activity, a data breach or a material violation of these Terms.

Cushy Access may terminate your rider account for a serious violation or repeated breaches, including theft, violence, fraud, deliberate false completion, account sharing, customer-data misuse or persistent unsafe delivery conduct.

Where reasonably practicable and legally permitted, Cushy Access will provide the main reason for a material restriction, suspension or termination and a channel through which you may request review. Immediate action may be taken where necessary to protect customers, merchants, riders, the public, the Platform or an investigation.

On termination, you must stop using the Platform and return any Cushy Access property when requested. Valid, undisputed earnings accrued before termination remain payable, subject to lawful adjustments and the resolution of fraud, chargeback or delivery disputes.

22. Complaints, Earnings Queries and Appeals

If you believe that an earnings calculation, delivery outcome, complaint or account action is incorrect, contact Cushy Access support promptly and provide the order reference and any relevant evidence. You agree to cooperate honestly with investigations.

Support is available through:

Email: [email protected]
WhatsApp: +234 707 120 0299
The contact or issue-reporting tools available on the Platform

Cushy Access will review disputes in good faith and may correct records, restore access, adjust earnings or take other appropriate action based on the evidence and applicable law.

23. Insurance and Personal Responsibility

You are responsible for maintaining any motor vehicle, motorcycle, third-party, commercial-use, health or personal accident insurance required by law or reasonably appropriate to your delivery activity.

Unless expressly stated in a separate written policy, registration on the Platform does not itself provide comprehensive vehicle, health, life, goods-in-transit or personal accident insurance. Any insurance or protection programme offered by Cushy Access will be governed by its own coverage, eligibility, exclusions and claims terms.

24. Platform Availability and Third-Party Services

The Platform may rely on mobile networks, maps, navigation, payment providers, notification services and other third-party systems. Cushy Access does not guarantee uninterrupted or error-free availability, exact map or route accuracy, or delivery of every notification.

You must exercise independent judgment, obey road signs and use a safe lawful route even where it differs from an in-app suggestion. Report material Platform faults to support and do not exploit them.

25. Limitation of Liability

To the fullest extent permitted by law, Cushy Access is not liable for indirect, incidental, special or consequential loss arising from use of the Platform, loss of anticipated opportunities or earnings, third-party acts, inaccurate information supplied by a customer or merchant, or events outside Cushy Access’s reasonable control.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, including liability arising from fraud, wilful misconduct or any duty imposed by applicable law.

26. Indemnification

To the extent permitted by law, you agree to indemnify and hold Cushy Access harmless from third-party claims, losses, liabilities, damages, penalties, costs and reasonable legal expenses arising directly from:

a) your material breach of these Terms;
b) your unlawful, fraudulent, negligent or wilful conduct;
c) injury, loss or damage caused by your unsafe operation or unauthorised use of a vehicle; or
d) your infringement of another person’s privacy, property or other legal rights.

This clause does not require you to indemnify Cushy Access for loss caused by Cushy Access’s own negligence, fraud, wilful misconduct or breach of law.

27. Force Majeure

Neither Cushy Access nor a rider will be liable for a delay or failure caused by circumstances beyond reasonable control, including severe weather, flood, fire, epidemic, civil unrest, war, government action, widespread network failure, cyberattack or major transport disruption. This clause does not remove the duty to act reasonably, protect an order in your possession and communicate when it is safe and possible to do so.

28. Changes to these Terms

Cushy Access may update these Terms to reflect changes in law, safety requirements, Platform functions or business operations. Material changes will be communicated through the Platform, email or another reasonable channel before they take effect, except where an immediate change is required by law or an urgent safety or security concern.

Continued use of the Platform after the effective date of updated Terms constitutes acceptance. If you do not agree with an update, you must stop using the Platform and may request account closure.

29. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria.

Before starting court proceedings, you and Cushy Access should first attempt in good faith to resolve the dispute through the support and review process described above. This does not prevent either party from seeking urgent legal relief or exercising a right that cannot lawfully be restricted.

Any dispute that cannot be resolved informally will be subject to the jurisdiction of the courts of competent jurisdiction in Nigeria.

30. General Terms

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect. A delay or failure by Cushy Access to enforce a provision is not a waiver of that provision.

These Terms, the Privacy Policy and any rider rate, incentive, insurance or equipment terms expressly incorporated into them form the agreement governing your use of the Platform. If a separate signed agreement applies to you and conflicts with these Terms, the separate signed agreement will prevail to the extent of the conflict.

By registering as a rider, going online or using the Cushy Rider Platform, you confirm that you have read, understood and AGREE to these TERMS AND CONDITIONS.