By accessing or using the Pagmich Technologies Distribution Limited website (pagmich.com), browsing our products, or placing an order, you agree to be bound by these Terms and Conditions.

If you do not agree with any part of these terms, please do not use our website or services. These terms apply to all visitors, customers, and users of our platform.

All products listed on our website are subject to availability. We reserve the right to discontinue any product at any time without prior notice.

Prices are displayed in Nigerian Naira (₦) and are subject to change without notice. We make every effort to ensure prices are accurate, however:

• In the event of a pricing error, we reserve the right to cancel the order
• Product images are for illustration purposes and may slightly differ from actual products
• Specifications are provided by manufacturers and may change without notice
• VAT and applicable taxes are included in displayed prices unless stated otherwise

All orders placed on pagmich.com are subject to acceptance and availability. Placing an order does not constitute a contract until payment has been confirmed and an order confirmation has been issued.

We accept the following payment methods:

• Debit/Credit Cards (Visa, Mastercard, Verve)
• Bank Transfer
• USSD Payment
• Mobile Money

Orders are processed only after full payment has been received and verified. Pagmich Technologies reserves the right to cancel any order suspected of fraud or unauthorized payment.

We deliver nationwide across Nigeria. Delivery timelines are estimates and may vary based on location and product availability.

• Lagos deliveries: 1–2 business days
• Other states: 2–5 business days
• Remote locations may take longer
• Delivery fees vary by location and order size

Risk of loss and title for products pass to you upon delivery to the carrier. Pagmich Technologies is not responsible for delays caused by third-party logistics providers, natural events, or circumstances beyond our control.

We want you to be completely satisfied with your purchase. If you are not satisfied, you may return eligible items within 7 days of delivery, subject to the following conditions:

• Item must be unused, undamaged, and in original packaging
• All accessories, manuals, and box contents must be intact
• Proof of purchase (order number or receipt) must be provided
• Items damaged due to misuse are not eligible for returns
• Software, digital products, and opened consumables are non-returnable

Approved refunds will be processed within 5–10 business days to the original payment method. Return shipping costs are borne by the customer unless the return is due to a Pagmich error or defective product.

Products sold by Pagmich Technologies are covered by the manufacturer's warranty. Warranty terms vary by brand and product category.

• Warranty claims must be supported by proof of purchase
• Warranty does not cover physical damage, water damage, or misuse
• Unauthorized repairs or modifications void the warranty
• Pagmich Technologies will assist in facilitating manufacturer warranty claims

For warranty support, contact us via email at info@pagmich.com or visit our office at Computer Village, Ikeja, Lagos.

We are committed to protecting your personal information. By using our website, you consent to the collection and use of your data as described in our Privacy Policy.

• Personal data is collected solely for order processing and customer support
• We do not sell or share your data with third parties for marketing
• Payment data is processed securely through our payment providers
• You may request deletion of your data by contacting us

For full details, please refer to our Privacy Policy page.

Pagmich Technologies Distribution Limited shall not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use our products or services.

Our total liability to you for any claim shall not exceed the amount paid for the specific product or service giving rise to the claim. We make no warranties, expressed or implied, beyond those stated in these terms.

All content on pagmich.com — including text, images, logos, graphics, and design — is the property of Pagmich Technologies Distribution Limited and is protected by applicable intellectual property laws.

• You may not reproduce or redistribute our content without written permission
• Brand logos of partner companies belong to their respective owners
• Unauthorized use of our content may result in legal action

Pagmich Technologies reserves the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting to this page.

Your continued use of our website following any changes constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

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