Payment & Refund Policy

This Payment & Refund Policy sets out the commercial terms, payment milestones, cancellation guidelines, and refund eligibility criteria for all concrete block purchases, vibrated masonry units, and haulage logistics arranged through Blucindustry Global Supply Limited ("Blucindustry", "we", "us", or "our").

As Nigeria's digital-first block supplier, we combine automated batching, live truck tracking, and secure payment processing to provide transparent, reliable construction material deliveries.

By placing an order through our web platform, mobile application, or authorized agent desk, you acknowledge and agree to the payment schedules, cancellation limits, and refund rules detailed below.

To accommodate different builder schedules and project scales, Blucindustry offers two distinct settlement options depending on order volume:

A. Full Upfront Payment (100%)

• Default for Standard Orders: Standard retail and builder orders (under 1,000 blocks) require 100% upfront settlement at the time of order placement.
• Benefits: Immediate production queue prioritization, automated truck assignment, and rapid dispatch without on-site payment delays.

B. Split Payment Commitment (Half Payment - 50% / 50%)

• Eligibility: Available for verified corporate builders, registered contractor accounts, and bulk orders of 1,000 units or greater.
• Initial Deposit (50%): Paid at order placement to lock unit pricing, allocate raw materials, and schedule dispatch trucks.
• Arrival Balance (50%): The remaining 50% balance must be settled and confirmed immediately upon the truck's arrival at the designated site coordinates, prior to offloading.
• Driver Instructions: Haulage drivers are strictly prohibited from tipping or manually offloading blocks until our finance desk sends digital clearance confirming full balance settlement.

Timing is critical in heavy masonry logistics. Payment milestones are enforced as follows:

• Order Booking & Queue Reservation: An order is officially booked and entered into production queues only after payment (or initial 50% deposit) is verified. Cart selections or generated invoices without payment do not hold inventory or guarantee pricing.
• Loading & Dispatch Clearance: No haulage tipper or supply truck is authorized to leave any Blucindustry manufacturing yard without verified upfront payment.
• Balance Clearance at Site: For split-payment orders, the balance must be paid immediately upon driver arrival via card, bank transfer, or instant USSD. A maximum grace period of thirty (30) minutes is permitted before demurrage begins accruing.

Because concrete masonry units are heavy, cured structural materials requiring advance logistics and loading labor, cancellation windows are strictly time-bound:

• Cancellation Prior to Loading: You may cancel an order free of penalty within two (2) hours of payment, provided truck loading has not commenced. A nominal 3% payment gateway processing fee may be deducted.
• Cancellation Once Loaded: If loading has already commenced or been completed at the yard, cancellations will incur a 15% restocking and yard labor handling fee.
• Cancellation In-Transit: Once a truck has departed from the yard and is en route, the order cannot be cancelled, redirected, or refunded. Transport and fuel expenses are non-recoverable once transit begins.
• Refusal at Site: If a customer rejects or turns back an orderly shipment upon arrival without verified structural defect justification, haulage fees and return transport charges will be deducted from any eligible credit.

Refund requests are evaluated under objective structural and operational criteria:

Qualifying Refund Scenarios

• Timely Cancellation: Orders cancelled within the permitted pre-loading cancellation window.
• Non-Fulfillment by Blucindustry: In the rare event that Blucindustry is unable to fulfill or dispatch an order due to severe production disruption, and the customer declines a rescheduled delivery date.
• Verified Manufacturing Defects: Blocks failing compression or structural standards verified upon delivery per Section 7.
• Quantity Shortage: Validated shortages noted on the official delivery waybill per Section 7.

Non-Refundable Scenarios

• Inaccessible Delivery Sites: Orders unable to reach the exact offloading spot due to bad access roads, swampy soil, low power lines, or narrow gates where customer refuses offloading at nearest safe point.
• Nominal Transit Breakage: Transit chipping or breakage within the industry standard allowance of up to two percent (2%).
• Installed or Laid Blocks: Blocks that have already been laid with mortar, plastered, or incorporated into structures cannot be refunded or replaced.
• Local Community Levies ("Matching Ground"): Deliveries abandoned or delayed because the customer refused to settle local youth or community levies are strictly non-refundable.

Electronic transaction errors and banking disputes are handled through standard banking protocols:

• Debits Without Order Confirmation: If funds are debited from your bank account but our platform indicates a failed transaction due to gateway network timeouts, the funds are typically reversed automatically by your bank within 24 to 48 hours.
• Manual Payment Verification: If an automatic reversal does not occur, email your transaction receipt, bank debit alert, and Paystack reference to billing@blucindustry.com. Our accounts desk will verify the inflow and manually activate your order within two (2) business hours.
• Chargeback Abuse: Initiating unauthorized chargebacks or payment disputes while goods have been delivered or are in transit constitutes breach of contract. Such accounts will be permanently blacklisted, reported to credit bureaus, and subject to legal debt recovery under Nigerian law.

When deliveries involve minor discrepancies, prorated partial refunds are promptly issued:

• Excess Breakage Compensation: Road transit in Nigeria can be rough. While a nominal breakage allowance of up to two percent (2%) is normal, any verified breakage exceeding 2% will be credited back on a per-unit basis or supplied free of charge in your next batch.
• Waybill Notation Requirement: To qualify for excess breakage or shortage credits, the actual damaged or missing count must be explicitly recorded on the physical or digital waybill and signed by both the customer and the truck driver before departure.
• Shortage Adjustments: If a 1,000-block order is dispatched with 970 blocks due to vehicle weight limits, a prorated refund for the unsupplied 30 blocks is processed immediately without administrative deductions.
• Settlement Method: Partial refunds can be refunded directly to your original payment account or credited as wallet balance for future block orders.

Efficient offloading ensures fair vehicle availability for all builders across the city:

• Standard Offloading Window: Every delivery includes up to two (2) hours of free offloading time from the moment the truck arrives at the site.
• Demurrage Charges: If a truck is held on site beyond the two-hour window due to customer delay, lack of offloading laborers, or payment balance disputes, demurrage will accrue at a flat rate of ₦10,000 per additional hour.
• Offset Rights: Blucindustry reserves the right to deduct accrued demurrage fees from any pending refund or withhold further supplies until accrued fees are settled.
• Safe Offloading Destination: If a truck cannot safely enter a compound or site without risking property damage, tipping will be executed at the closest motorable verge as agreed with the on-site receiver.

Formal delivery acceptance marks the transition of material custody and ownership:

• On-Site Receiver Verification: You or your designated representative (site engineer, foreman, or relative) must be present on site to inspect the delivery, count the units, and confirm quality.
• Delivery Sign-Off / OTP: Acceptance is finalized through a digital confirmation OTP or physical signature on the Blucindustry Waybill. Once signed without defect remarks, physical quantity and condition are legally accepted.
• 24-Hour Latent Inspection Window: If internal curing defects or unexpected crumbling become apparent after offloading, you have twenty-four (24) hours to submit photographic evidence and report the issue to legal@blucindustry.com.
• Subsequent Damage: Blucindustry is not liable for blocks broken by rough on-site wheelbarrow transport, rain waterlogging after offloading, or improper high-stacking by site workers.

All approved refunds are handled through strict audit procedures:

• Mode of Refund: Approved refunds are refunded strictly back to the original funding source (original bank account or debit card via Paystack). We do not issue cash refunds or third-party bank disbursements under any circumstances.
• Processing Window: Once approved by our finance desk, funds are credited to your bank within five (5) to seven (7) business days, depending on inter-bank settlement cycles in Nigeria.
• Notification: You will receive an automated email and SMS notification containing the reversal reference code as soon as the refund transaction is executed.

If you have questions regarding an invoice, pending reversal, or payment verification:

• Billing Email: billing@blucindustry.com
• Legal & Compliance: legal@blucindustry.com
• Corporate Address: Blucindustry Global Supply Limited, 5 Samek Rd, Ugwu Orji, Owerri, Imo State, Nigeria
• Operating Hours: Monday – Friday, 8:00 AM – 5:00 PM WAT