Terms & Conditions

1. About Arokada and these Terms

These Terms apply whenever you use arokada.com, apply for a motorcycle, buy a motorcycle from Arokada or subscribe to an Arokada motorcycle. By using the website, placing an order or applying for a subscription, you accept them.

"Arokada", "we" and "us" mean Arokada, a company registered in the Republic of Nigeria, with its head office at Michael Okpara St, Abuja, Nigeria, RDB registration / TIN No. 157019379. "You" means any visitor, applicant or customer.

If you buy on the Subscription Plan, our Subscription Terms & Conditions and your signed Motorcycle Subscription Agreement also apply. If they differ from these Terms, the signed Agreement prevails, then the Subscription Terms, then these Terms.

2. Our motorcycles and how to get one

Arokada sells and rents motorcycles in Nigeria, including the Bajaj Boxer 125 HD and the TVS HLX 125. There are four ways to get a motorcycle from Arokada:

• Full payment (purchase). You pay the full price before delivery and own the motorcycle from delivery. See section 4.
• Motorcycle Subscription (rental, 18 months). You pay a one-time 25,000 NGN activation fee, then a subscription fee of 5,000 NGN a day or 35,000 NGN a week, for a term of 18 months. The motorcycle remains the property of Arokada at all times. The subscription is a rental and does not transfer ownership to you. At the end of the term you may return the motorcycle, renew, or choose to buy it at its current market value (optional, no obligation). See section 5 and the Subscription Terms & Conditions.
• Partner financing (purchase with a loan). Where offered, an approved financing partner lends you the money to buy the motorcycle. The partner's own terms apply to the loan, and Arokada is not the lender. See section 3.
• Group savings (purchase). Members of a private savings group save together and buy motorcycles from Arokada. The group and its members are responsible for the group and its money. See section 6.

3. Financing through approved partners

Arokada can introduce you to an approved financing partner, such as a bank, microfinance institution or SACCO licensed by the National Bank of Nigeria (BNR). The partner lends you the money; Arokada sells you the motorcycle.

• Arokada's role. We help you prepare your application and, with your consent, send your documents to the partner you choose. We are not the lender, we do not set the interest rate, and we cannot guarantee approval. If Arokada receives a commission from a partner, we will tell you before you apply.
• Approval. The partner alone decides whether to lend, how much, and on what conditions. It may ask for extra documents, a down payment, guarantors or a credit check with a credit reference bureau.
• Know the cost before you sign. The partner must give you the loan terms in writing: amount, interest rate, all fees, total amount to repay, repayment schedule and late-payment penalties. Read them carefully before you sign.
• Repayments. You repay the partner directly, as its loan agreement says. Do not pay loan instalments to Arokada unless the partner tells you so in writing.
• Ownership and security. Until the loan is repaid, the partner may keep the motorcycle registered in its name, hold a pledge over it, or require a GPS tracker. Ownership passes to you as the loan agreement provides. A pledge over the motorcycle may be registered with the Office of the Registrar General under the law on security interests in movable property.
• Insurance. The partner may require comprehensive insurance naming it as loss payee for the length of the loan.
• Delivery. We deliver within thirty (30) working days of the partner's written approval and confirmed payment to Arokada. If we do not, the late-delivery refund in section 9 applies to any amount you paid Arokada directly.
• Default. Missed loan payments are handled by the partner under its loan agreement, which may include penalties and repossession of the motorcycle.
• Early repayment. Under Nigerian financial consumer protection law, a licensed lender may not charge you a penalty for repaying your loan early.
• Complaints. Send complaints about the loan to the partner first. If it does not resolve them, you may escalate to the National Bank of Nigeria, which supervises lenders. For complaints about the motorcycle, contact Arokada.

4. Buying with full payment (cash)

When you pay the full price, the motorcycle is yours from delivery: there is no activation fee, no subscription fee and no GPS immobilisation.

• What you need. Your National ID (original shown for verification), a telephone number and your address. Witnesses, next of kin, a criminal record certificate and the activation fee are not required. You need a valid category A licence to ride the motorcycle yourself.
• Price. The price on each motorcycle page is indicative. Your final price is confirmed on a proforma invoice, valid for 7 days, which states exactly what is included (for example number plate registration, insurance, helmet or charger).
• How to pay. Pay by Mobile Money or bank transfer to the official Arokada account on your invoice, quoting the invoice number. Cash is accepted only at our office against an official Arokada receipt, signed and stamped; for large amounts we recommend bank transfer.
• Reservation deposit. If you pay a deposit to reserve a motorcycle, your invoice states the deposit and the date the balance is due. The motorcycle is held for you until that date.
• Delivery. We deliver within thirty (30) working days of confirming your full payment, often the same day if the motorcycle is in stock. If we do not, the late-delivery refund in section 9 applies.
• Invoice and registration. At delivery you receive a tax invoice, the Delivery Note, the warranty card and the documents needed to register the motorcycle in your name with RRA. Who completes and pays for registration is stated on your invoice.
• Risk and insurance. Risk passes to you at delivery. You must have valid third-party insurance before riding on public roads.
• Cancelling. If you cancel a purchase before delivery, we refund everything you paid, including any reservation deposit, within 7 working days of your request. If you ordered online or by phone without visiting us, you may also withdraw from the purchase within seven (7) working days of receiving the motorcycle, as Nigerian consumer protection law provides: tell us in writing, return the motorcycle with its accessories and documents, and we refund you as that law requires. Otherwise, after delivery a motorcycle can be returned only under the warranty in section 10.

5. Motorcycle Subscription (rental)

The Motorcycle Subscription lets you use an Arokada motorcycle for a daily or weekly fee. It is a rental, not a purchase and not a loan.

• Ownership. The motorcycle is and remains the property of Arokada and stays registered with RRA in Arokada's name. Paying subscription fees, for any length of time, does not give you ownership or any right to ownership.
• Fees. A one-time activation fee of 25,000 NGN, then 5,000 NGN a day or 35,000 NGN a week. Subscription fees are the price for using the motorcycle and are not deducted from any future purchase price.
• Term. 18 months, starting the day after delivery. You may end the subscription early by giving 7 days' written notice and returning the motorcycle.
• End of the term. You may return the motorcycle, renew your subscription, or choose to buy the motorcycle at its current market value (optional, no obligation). If you buy, you pay the price in full or through an approved financing partner (section 3).
• Activation fee. The activation fee covers opening your file, checking your documents and preparing the Agreement. It is non-refundable, except if we do not deliver your motorcycle within 30 working days of your application being approved (section 9).
• Full conditions. Payments, use, insurance, GPS tracking, late payment, recovery of the motorcycle and the Rider Code of Conduct are set out in the Subscription Terms & Conditions and your signed Agreement.

6. Group savings

A savings group is a private arrangement between its members: the members, as private persons, are fully responsible for the group, its rules and its money. Arokada only sells motorcycles to the group's members and is not a member, manager, treasurer or guarantor of any group.

• Running the group. Members choose their own leaders (for example president, treasurer and secretary) and set their own rules: contributions, the order in which members receive motorcycles, penalties and how members leave. We recommend written rules signed by every member, and registration with local authorities where required.
• Group money. Savings are kept in the group's own account (bank, SACCO or Mobile Money), controlled by the group's leaders. Arokada does not collect, hold, manage or guarantee group savings, and is not responsible for any loss, misuse or late contribution.
• Buying a motorcycle. When the group is ready, its leaders send Arokada a written decision, signed by the leaders, naming the member who will receive the motorcycle. The group pays the full price from its account, and the purchase terms in section 4 apply.
• Ownership and delivery. The motorcycle is invoiced and registered in the name of the member named in the group's decision. We deliver it to that member only, after checking their National ID, within 30 working days of confirmed payment.
• Refunds. Any refund, including the late-delivery refund in section 9, is paid back to the account the group paid from, unless the leaders instruct otherwise in writing.
• Disputes between members. Any dispute between members of a group, or between a group and its leaders, about contributions, savings, the order of receiving motorcycles or anything else, is the sole responsibility of the members, who are private persons. Arokada is not a party to these disputes and accepts no liability for them; members should settle them among themselves, with local leaders or before the Abunzi committee. Arokada follows the latest written, signed decision of the group's leaders and may pause a delivery until a dispute between leaders is resolved.
• Group offers. Any discount or special offer for a group is valid only if Arokada confirms it in writing.

7. Who can apply and what we need

To apply for a Motorcycle Subscription or partner financing, you must:

• be at least 18 years old and legally able to sign a contract;
• hold a valid Nigerian driving licence, category A;
• have a fixed, verifiable address in Nigeria;
• for moto-taxi use, belong to a registered moto cooperative, hold or obtain within 30 days the transport authorisation required by FRSC, and use a motorcycle FRSC allows for that service.

8. Prices and payments

Prices are in Nigerian Naira (NGN) and are confirmed in your invoice or Agreement before you pay.

• How to pay. Pay by Mobile Money or bank transfer to the official Arokada account shown on your invoice or Agreement, quoting your reference number. Cash is valid only against an official Arokada receipt, signed and stamped.
• Receipts. We confirm every payment by receipt or electronic message, and issue a tax invoice for every sale and subscription payment, as Nigerian tax law requires. Keep proof of every payment.
• Beware of fraud. Arokada staff will never ask you to pay into a personal account. If in doubt, call +234 816 277 9641 before paying.
• Price changes. Website prices may change without notice, but a price confirmed in your invoice or signed Agreement does not change.

9. Delivery and refunds

We deliver your motorcycle within thirty (30) working days of the date your application is approved (Motorcycle Subscription), the date of the partner's approval and payment (partner financing), or the date your payment is confirmed (full payment).

• Handover. At delivery we both sign a Delivery Note recording the motorcycle's condition, accessories and odometer reading. Check the motorcycle before you sign.
• Late delivery refund. If we have not delivered within those 30 working days, you may ask for a refund in writing, including by SMS, WhatsApp or email. We refund the activation fee and every other amount you paid us within seven (7) working days of your request, to the account you paid from or another account in your name.
• Cancelling a subscription before delivery. If you cancel a Motorcycle Subscription for any other reason before delivery, the activation fee is not refunded: it is kept for opening and checking your file. Any other amount you paid us is refunded within 7 working days.
• Cancelling a purchase before delivery. See section 4.
• After delivery. The activation fee is non-refundable once the motorcycle has been delivered.
• Working days. "Working days" means Monday to Friday and does not include Saturdays or Sundays.

10. Warranty and after-sales

New motorcycles carry the manufacturer's warranty, as set out in the warranty card or invoice given at delivery.

• The warranty covers manufacturing defects. It does not cover normal wear (tyres, brake pads, chains, bulbs), accidents, misuse, overloading, or repairs and modifications made outside a workshop approved by Arokada.
• Report any defect to us as soon as you notice it. Servicing at an Arokada-approved workshop keeps the warranty valid.
• For subscription motorcycles, servicing and repairs are handled as set out in the Subscription Terms & Conditions.
• Nothing in these Terms limits your rights under Nigerian consumer protection law. Any term that this law treats as unfair or abusive does not apply to you.

11. Using the website

You may use arokada.com to learn about our motorcycles, apply and contact us, for lawful purposes only.

• Do not submit false information or documents, impersonate anyone, or apply in someone else's name.
• Do not try to disrupt, hack or copy the website or its data.
• Keep any login details private; you are responsible for activity under your account.
• The Arokada name, logo, slogan "People Together. Miles Ahead.", text and images belong to Arokada or its licensors and may not be used without our written permission. Manufacturer names and logos belong to their owners.
• Links to other websites, including financing partners, are for convenience; we are not responsible for their content.

12. Liability

We take care to keep the website accurate and available, but we do not guarantee it will always be error-free or online.

• Once a motorcycle is delivered, you are responsible for how it is used, including traffic offences, fines, accidents and damage to others.
• Arokada is not liable for indirect losses, such as lost income while a motorcycle is off the road, except where Nigerian law does not allow this to be excluded.
• Nothing in these Terms excludes our liability for fraud, or for death or injury caused by our negligence.

13. Personal data

We collect the identification, contact, address and location data of applicants, customers, next of kin and witnesses only to assess applications, deliver motorcycles, collect payments, provide after-sales service and recover subscription motorcycles where necessary.

• We process data under Law n° 058/2021 of 13/10/2021 relating to the protection of personal data and privacy. Arokada is registered as a data controller with the National Cyber Security Authority (NITDA), certificate No. [to be completed].
• We process data with your consent, or where needed to perform your contract or meet a legal obligation. You may withdraw your consent at any time; this does not affect processing already done.
• We store personal data in Nigeria and transfer it abroad only where the law allows and NITDA has authorised it.
• We share data only with those who need it for these purposes, such as approved financing partners, insurers and the authorities where the law requires.
• You may ask to access, correct, delete or move your data, object to its processing, or designate an heir to your personal data, by writing to hello@arokada.com.
• If a data breach puts your rights at risk, we notify NITDA within 48 hours and inform you without undue delay.
• We keep data for as long as your application or Agreement lasts, and afterwards for as long as the law requires.

When you give us the details of your next of kin and witnesses, you confirm they have agreed to share them.

14. Changes, law and disputes

We may update these Terms and will post the new version on this page with its date. Changes do not affect an order already confirmed or an Agreement already signed.

• Governing law. These Terms are governed by the laws of Nigeria, including Law N° 45/2011 of 25/11/2011 governing contracts, Nigerian competition and consumer protection law, Nigerian financial consumer protection law, and Law n° 058/2021 of 13/10/2021 relating to the protection of personal data and privacy.
• Disputes. We first try to settle any dispute amicably within 15 days of written notice. If that fails, it may go to mediation, including the Abunzi committee where competent, and then to the competent court where Arokada has its head office. You may also complain to the Nigeria Inspectorate, Competition and Consumer Protection Authority (RICA). Disputes between members of a savings group are not disputes with Arokada (see section 6).
• Language. These Terms are in English and may be translated into Hausa, Yoruba or Igbo. We will explain them to you in a language you understand on request.

15. Contact Arokada

For questions, complaints, refund requests or data requests, contact us at our head office or by phone, WhatsApp or email: