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CDcare is a Nigerian retail installment platform that allows customers to pay for electronics, appliances, gadgets, cars, and other essential products over time. CDcare is not a bank or savings institution. Any money paid into your CDcare account or Moneybox is meant for purchases on CDcare and is not treated as a deposit account. Moneybox withdrawals are not supported.

Anyone who: 1. Is at least 18 years old 2. Successfully completes our verification process 3. Agrees to our Terms & Conditions

To start a plan, you must: 1. Verify your identity using phone number, NIN, or BVN (BVN optional) 2. Upload a clear photo of your full face 3. Grant location access and complete address verification 4. Verify a valid email address 5. Add a valid debit/ATM card linked to an active bank account 6. Add a valid bank account for direct debit 7. Accept our Terms & Conditions

No. CDcare does not require your bank login details.

Yes. Your card and bank details are safe. CDcare does not store card details, and transactions are securely processed through Flutterwave.

It varies by product. Depending on the product, you may choose between 4 to 40 weeks or 2 to 12 months. Installments must be equal and consistent.

Delivery is strictly based on time, not on how much you pay early. Your item is delivered at the midpoint of your selected installment duration. Examples: 1. 2-month plan -> delivery processed within 15 days after midpoint completion and verification 2. 6-month plan -> delivery in the 3rd month 3. 12-month plan -> delivery in the 6th month. Early payment does not accelerate delivery. Delivery is subject to compliance review and account standing.

No. If you want early delivery, choose the 2-month plan.

Yes. However, early payment does not change your delivery timeline unless you switch to a shorter approved installment plan.

Yes. Full settlement of the total contract value allows delivery subject to verification and compliance review.

Yes. You may choose the one-time payment option and collect your item after verification.

Weekly plans have a 3-day grace period, and monthly plans have a 7-day grace period. If payment is still not made before the grace period ends, a Failure-To-Return Fee applies: 3% for weekly plans and 10% for monthly plans.

Delivery may be suspended or shifted until the account is regularized or fully settled.

1. Failure-To-Return Fee applies when payment remains unpaid after the grace period 2. The item must be returned before the end of the grace period 3. If the item is not returned before the grace period ends, a Failure-To-Return Fee will be charged until the item is returned or payment is completed 4. If payment is made within one month, the item may be returned to the customer 5. After one month of unresolved default, CDcare reserves the right to liquidate the asset at fair used value, and any excess after deducting outstanding balance and charges will be refunded.

Yes. Defaulted accounts may be reported to credit agencies in accordance with applicable regulations.

Yes. Cancellation before delivery attracts a 10% fee on the total installment amount already paid. Refund processing may take up to 30 working days.

Yes, before delivery, subject to availability, price adjustments, and approval.

Options: 1. Allow 1 to 3 days for sourcing 2. Choose another product within the same price range 3. Receive a refund subject to no standing charges.

The cheaper price will be reflected in your installment plan, and you will pay the updated lower price.

The difference will be spread across your remaining installments, and the duration may be extended.

No. Delivery cost is spread across the first half of your installments.

1. Verified account holder must be present 2. Identity must match account 3. Valid ID may be requested 4. Delivery confirmation procedures must be completed.

A delivery photo confirms successful handover and protects both parties.

Items come with manufacturer warranty. Contact support@cdcare.ng for assistance.

Insurance (10% of product cost) provides protection against eligible damages. Insurance covers up to 80% of the assessed damage value according to policy terms.

Share the product link with us for review and possible addition.

Yes. You may use the cart feature to start installment plans for multiple items simultaneously.