Platform Commission &
Consultation Payment Policy

consultPRO operates a marketplace that connects clients with verified professionals for paid consultations and other services. To sustain the platform, consultPRO charges a commission on eligible paid transactions processed through its systems.

This policy sets out the applicable commission rates, how earnings are calculated and distributed, how professionals can access their earnings, and the rules that govern cancellations, refunds, and withdrawals. All applicable charges are disclosed to users before payment is confirmed.

consultPRO charges a 25% platform commission on eligible paid consultations completed through the platform. The professional receives 75% of the consultation fee as their net earnings.

The commission breakdown is displayed to the professional in their earnings dashboard and is applied automatically when payment is released from escrow. The client pays the full consultation fee as set by the professional; the commission is deducted before crediting the professional's wallet.

The commission rate stated in this policy is the proposed rate for the current phase of the platform. consultPRO reserves the right to adjust the commission rate with reasonable notice, in accordance with Section 9 of this policy.

Every professional on consultPRO has access to an earnings dashboard that shows a clear breakdown of their financial activity, including:

• Total consultation revenue — the gross fees paid by clients for completed consultations.
• consultPRO commission — the 25% platform commission deducted from gross revenue.
• Refunds & adjustments — any amounts returned to clients or adjusted following disputes or cancellations.
• Net earnings — the amount credited to the professional's wallet after commission and adjustments.
• Pending earnings — amounts held in escrow pending release or review.
• Available balance — the amount currently available for withdrawal.
• Withdrawal history — a record of all completed and pending withdrawal requests.

This breakdown is visible before the professional initiates a withdrawal request. Professionals should review their earnings breakdown before requesting a withdrawal to understand the composition of their available balance.

When a client books and pays for a consultation:

1. The client pays the full consultation fee at the time of booking. Payment is processed through consultPRO's designated payment provider and held securely pending completion.
2. Once the consultation is completed and the applicable confirmation or review is satisfied, the payment is released from escrow.
3. consultPRO deducts its 25% commission at the point of release.
4. The professional's 75% net earnings are credited to their consultPRO wallet.
5. The professional can then request a withdrawal of their available balance, subject to the withdrawal rules in Section 6.

Payment is not released to the professional until the consultation has been completed or a release is approved in accordance with consultPRO's payment and dispute procedures. This arrangement protects both parties.

The consultPRO Wallet is an in-platform balance that can be used to pay for consultations, session extensions, and other eligible services on the platform. Wallet funds are held and managed through consultPRO's designated payment infrastructure.

consultPRO may, from time to time, make consultation credits or prepaid balances available for purchase. Where applicable, the purchase price, permitted uses, expiry conditions, and refund rules for consultation credits will be clearly disclosed before purchase. Consultation credits are not redeemable for cash unless required by applicable law.

Wallet balances and consultation credits are not bank deposits and do not earn interest. They are governed by these terms and any additional terms disclosed at the time of purchase or funding.

Eligibility

To withdraw earnings, a professional must have completed identity verification (KYC) and have a verified bank account linked to their consultPRO profile. Withdrawals are not available to users with outstanding disputes, frozen accounts, or accounts under review.

Minimum Withdrawal Amount

The minimum withdrawal amount is ₦5,000. Withdrawal requests below this threshold will not be processed.

Withdrawal Processing

Withdrawal requests are typically processed within 1–3 business days, subject to verification, bank processing times, and any compliance reviews that may be required. During periods of high volume or system maintenance, processing times may be longer.

Withdrawal Fees

Where applicable, withdrawal fees (such as bank transfer charges) will be disclosed before you confirm your withdrawal request. consultPRO will endeavour to keep any such fees as low as practicable.

Failed Withdrawals

If a withdrawal fails due to incorrect bank details, a rejected bank transfer, or any reason outside consultPRO's control, the amount will be returned to your consultPRO wallet. You will be notified of the failure and prompted to verify or update your bank account details before re-submitting the request.

Withdrawal Limits

consultPRO may apply daily, weekly, or monthly withdrawal limits at its discretion, particularly during the early phases of platform operation. Any applicable limits will be communicated to users in advance.

Client Cancellations

A client may cancel a booked consultation before the session begins. If the cancellation is made with reasonable notice before the session, a refund may be issued at consultPRO's discretion, subject to the applicable cancellation terms displayed at the time of booking. The platform commission is non-refundable once a consultation has been initiated.

Professional No-shows

If a professional fails to attend a confirmed consultation session without prior notice, the client will be entitled to a full refund of the consultation fee, including the commission portion. consultPRO will investigate such reports and appropriate action may be taken against the professional's account.

Disputes

Where a client disputes the quality or delivery of a consultation, consultPRO may place the payment under review and conduct an investigation. Both parties will have the opportunity to present their case. The outcome of the review may result in payment release to the professional, a partial refund, or a full refund to the client, at consultPRO's determination.

Commission on Refunds

Where a full refund is approved following a dispute or cancellation that qualifies under this policy, the commission deducted at the time of payment release may be returned to the client as part of the refund. In cases of partial refunds, the applicable commission adjustment will be calculated proportionally.

The 25% consultation commission described in this policy applies specifically to paid consultation sessions processed through consultPRO's platform. The following transaction types are not automatically subject to this consultation commission structure:

• Property sales and purchases — governed by the property transaction terms, which include the applicable agent commission and escrow arrangements.
• Construction contracts and materials sales — subject to their own pricing and commission terms as agreed between the parties and disclosed on the platform.
• Platform subscriptions — billed at the published subscription rates with no additional commission deducted.
• Shop and marketplace transactions — subject to the applicable marketplace fees disclosed at the time of listing or purchase.
• StayHub bookings — subject to the StayHub-specific booking and commission terms.

Where a commission or fee applies to any of the above transaction types, it will be disclosed separately before the transaction is confirmed.

consultPRO reserves the right to amend this commission and payment policy at any time. Changes to the applicable commission rate or material changes to withdrawal, refund, or cancellation terms will be communicated to registered users with a minimum of 30 days' notice before the changes take effect, except where a shorter notice period is required to comply with applicable law or regulatory requirements.

Continued use of the platform after the effective date of any change constitutes acceptance of the updated policy. If you do not agree with a change, you may close your account before the effective date.

If you have questions about this policy, your earnings, a withdrawal request, or a refund, please contact us through the Support page or email us at support@consultpro.app.

You can also visit our FAQ for quick answers to common questions about payments, commissions, and withdrawals.