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Legal Agreement

Terms of Service

Last Updated: October 2026 • Effective Immediately

Welcome to ChopBack (referred to herein as "ChopBack", "we", "us", or "our"), a consumer rewards and retail intelligence platform provided by NewOrbit Labs / Digivo. These Terms of Service ("Terms") govern your access to and use of the ChopBack mobile application, web application, and related services (collectively, the "Service").

Key Summary: By creating an account or uploading receipts to ChopBack, you agree to these Terms. You must only upload legitimate paper receipts from your own purchases. Fraudulent, duplicate, or altered receipts will lead to immediate account termination and forfeiture of points.

1. Acceptance of Terms

By accessing or using our Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use or access the Service.

2. Eligibility & Account Registration

To use ChopBack, you must:

  • Be at least 18 years of age.
  • Reside in the Federal Republic of Nigeria or possess a verified Nigerian mobile number and bank account.
  • Register with an authentic email address or phone number and maintain accurate account details.
  • Create only one account. Maintaining multiple accounts by the same individual to multiply rewards is strictly prohibited.

You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account. You must notify us immediately at support@chopback.com if you suspect unauthorized access.

3. Receipt Submission Guidelines

ChopBack rewards shoppers for uploading authentic proof of purchase receipts. For a receipt to be accepted and eligible for points:

  1. Printed Store Receipts: Receipts must be printed paper receipts issued by legitimate supermarkets, grocery retailers, convenience stores, or pharmacies in Nigeria. Hand-written receipts, invoices, delivery notes, or credit card slips without itemized product listings are ineligible.
  2. Time Frame: Receipts must be scanned and submitted within fourteen (14) calendar days of the printed transaction date. Receipts older than 14 days will be rejected.
  3. Image Clarity: Uploads must be clear and fully legible from top to bottom, displaying:
    • Retailer/Store Name and Branch Location
    • Date and Time of purchase
    • Itemized list of products and prices
    • Total amount paid and payment confirmation
  4. Authentic Personal Purchases: Receipts must represent goods purchased by you or members of your household for personal, non-commercial use.

4. Fraud & Prohibited Conduct

ChopBack employs advanced computer vision, cryptographic image hashing, and fraud detection algorithms. The following actions constitute a material breach of these Terms:

  • Submitting digitally created, simulated, or photoshopped receipts.
  • Submitting duplicate receipts or scanning the same physical receipt across different accounts.
  • Collecting discarded receipts from store trash bins, parking lots, or other shoppers without their consent ("dumpster diving").
  • Scanning receipts for commercial inventory, business wholesale restocking, or reseller activities unless explicitly authorized.
  • Attempting to manipulate, bypass, or exploit the optical character recognition (OCR) or scoring algorithms.
  • Using automated bots, emulators, or scrapers to interact with the ChopBack API.

Consequences of Violations: Any account flagged for fraudulent behavior will be immediately suspended or permanently terminated. All accumulated points, pending payouts, and cashback will be forfeited, and we reserve the right to report financial fraud to law enforcement authorities.

5. Points & Loyalty Tiers

ChopBack awards reward points based on verified products on eligible receipts. Points have no cash value until redeemed through the official cash out flow in the Service.

  • Partner Offers: Select FMCG brands and products carry promotional point values that may change periodically based on brand campaign budgets.
  • Loyalty Multipliers: Users advance through tiers (Hustler, Senior Man, Boss, Odogwu) based on lifetime verified points. Multipliers apply to eligible line items as specified in the app.
  • Non-Transferable: Points are personal to your account and cannot be sold, transferred, assigned, or gifted to other users.
  • Inactivity Expiration: Points expire if an account remains inactive (no valid receipt uploads or sign-ins) for a continuous period of one hundred and eighty (180) days.

6. Cash Out & Bank Account Transfers

Users may redeem eligible points for direct Nigerian Naira (NGN) bank transfers subject to the following conditions:

  • Minimum Threshold: You must reach the minimum required points balance indicated in the Redeem tab before initiating a cash out request.
  • NUBAN Verification: Payouts are made exclusively to valid Nigerian commercial bank accounts via NUBAN. The bank account name must correspond to the account owner.
  • Processing Times: Bank transfers are typically processed within 24–48 hours, subject to interbank clearing cycles and system maintenance windows.
  • Tax & Regulatory Compliance: You are responsible for any personal tax obligations arising from rewards or cashback received under applicable Nigerian law.

7. Account Suspension & Deletion

You may request deletion of your account at any time through the Privacy & Security section of the mobile or web application, or by emailing support@chopback.com.

Upon account deletion, all active sessions will be terminated, personal data scrubbed in accordance with our Privacy Policy, and any unredeemed points will be irreversibly cancelled.

8. Intellectual Property

All content, visual interfaces, designs, software, databases, and logos associated with ChopBack are the exclusive property of NewOrbit Labs / Digivo or its licensors. Third-party brand names, logos, and trademarks (e.g., Shoprite, Spar, Indomie, Peak) shown in the app remain the property of their respective owners and are used solely for item identification and promotional purposes.

9. Limitation of Liability & Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, CHOPBACK DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN NO EVENT SHALL CHOPBACK, ITS DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or relating to these Terms shall be resolved through friendly negotiations, failing which they shall be submitted to the exclusive jurisdiction of the competent courts in Lagos State, Nigeria.

11. Contact Information

If you have questions, feedback, or legal inquiries regarding these Terms of Service, please reach out to our legal and support team: