Nigeria, Feb. 5 -- The interests of vendors and service providers are, on the surface, essential to the protection of their goods and services. Over time, several measures have been adopted by businesses to safeguard these interests and mitigate financial risks, particularly those associated with fraudulent returns. One of the most commonly employed measures is the no-refund or no-return policy, which seeks to prevent the return of goods once payment has been made and delivery completed.

Beyond this surface justification, however, lies a deeper legal tension that brings into focus the competing rights of two parties: businesses on the one hand, and consumers on the other. This tension has become more pronounced in today's digital economy...