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Terms & Conditions govern your participation in the Latalata Instalment
Payment Scheme (the “scheme”, “plan”).
words “Latalata”, “We”, “us”, “our” means LATALATA and KISHERS LIMITED or any
of its affiliate companies, including but not limited to Latalata. “You” or
“your” means the customer. The word “site” means a website. “Latalata Site”
means any or all of the following sites: latalata.ng, foodstuff.latalata.ng and
other sub-domains we may activate in the future.
checking out with a product under this scheme (labelled “INSTALMENT PAYMENT”)
in your shopping cart, you have agreed to the terms and guide contained in this
How it works
product is designed to allow employees of private and public sectors (mostly in
Lagos) to purchase items on Latalata and pay in three (3) instalments.
customer must be a staff of an organisation with an organized Human Resource
who are not qualified, or who work/
reside outside Lagos, but wish to
purchase items on instalment would be required to contact a qualified family/
friend/ colleague in Lagos to make the purchase on their behalf.
Classification of Order
instalment payment purchases, request received are classed as intention to purchase. It is only after
customer is verified that we may class such as an order.
are required to upload the following documents when adding the plan to your
Penalties for Improper Documentation
documents and/or information supplied are wrong, fake, and/or unverifiable, we
may deduct operation and/or bank fees/costs from the initial deposit and return
the balance to your bank account.
can buy products up to 160% of their monthly salary. You may be required to
provide an evidence to show you earn above 59.99% of the price of the product
you intend to purchase.
may take up to two (2) working days.
Changes within Verification Period
in product prices, shipping cost, and other costs associated with such orders
between when intention to purchase is received and when customer is verified
may apply to the customer and his/her order.
there are changes in order total within the verification phase, the customer reserve the right to accept the new price or cancel the order.
the customer accepts the price/costs prevailing after verification, he/she
would make an additional bank transfer of the increment as will be advised by/
agreed with Latalata.
customer decides to cancel order, administrative and operational costs
associated with customer verification may be deducted, and the balance transferred
to the customer’s bank account.
Order Processing and Delivery
will process shipping of the orders after verification has been satisfactorily completed,
and where necessary, the customer has also agreed to pay increments in prices
and/or other costs that occurred within the verification period.
things being equal, items would be delivered within 2-5 days after verification
(and acceptance by customer) has been done.
Returns and Warranties vis-à-vis Instalment Payments
Brand owners of products sold by Latalata are committed to returns and
warranties. Should there be a case where products purchased under our
instalment payment scheme develop issues, our return policy will become
enforced and the brand owners would perform their warranty policies to resolve
of these processes shall cause the customer to delay or stop his/her payments
at the pre-agreed date when they become due. Please see our Return Policy.
Instalment on Instalment
customer who has an outstanding instalment obligation with Latalata may be
denied a request to buy another item(s) on instalment payment basis. The
customer may be advised to either:
Cheques, Account Balance, and Reminders
issued by customer shall be deposited on or after the date stated on the cheques.
We may send reminder SMS notifications. However, we are not under any
obligation to send such SMS.
are advised to ensure that their CURRENT bank accounts are funded to settle the
value of their cheques.
authorize Latalata to use any means within its disposal to compel you to pay
your instalments where your cheque is returned unpaid. Such means include but
not limited to reporting to your employer, visiting you at your office and/or
Debt Recovery Expenses/ Costs
you default in settling outstanding obligations and/or instalments, recovery
expenses by Latalata will accrue. You shall be required to pay such outstanding
balance(s)/ instalments plus such advised accruals.
Re-Possession of Items
will not re-possess items sold. All outstanding obligations shall be paid for
in monetary terms to Latalata via cheques, bank drafts, or bank transfers.
reserve the rights to change/ amend the terms and conditions of this scheme at any
time without prior notice to the customer. Such change/ amendment would be
applied on all customers, including those with outstanding instalment obligation
you have any questions on this scheme or any other of our services, please
reach out to us via: