Acceptable Use Policy

This policy applies to everyone who uses Makola.io: merchants who open shops, suppliers who list goods for other shops to sell, promoters who share a shop's products and earn commission on the sales they bring, and customers who buy. It is part of our Terms of Service.

Some activities appear in more than one list below. Where they do, the stricter rule applies.

You may not use Makola.io for any of the things below. The lists follow the rules our payment partners apply to the businesses they serve. If you are not sure whether something is allowed, ask us at support@makola.io before you list it.

Goods and services

You may not sell, buy, or arrange the sale or purchase of:

• Banned narcotics, steroids, certain controlled substances or other products that present a risk to a consumer's safety
• Blood, bodily fluids or body parts
• Burglary tools
• Counterfeit items
• Illegal drugs and drug paraphernalia
• Fireworks, destructive devices and explosives
• Identity documents, government documents, personal financial records or personal information (in any form, including mailing lists)
• Lottery tickets, sweepstakes entries or slot machines without the required licence
• Offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime
• Chemicals
• Recalled items
• Prohibited services
• Unlicensed financial services, stocks or other securities
• Escrow services: holding funds on behalf of a buyer and seller until the conditions of a sale are met
• Stolen property
• Items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction
• Sales of currency without a bureau de change (BDC) licence, and cryptocurrency operators
• Obscene material or pornography
• Certain sexually oriented materials or services
• Certain firearms, firearm parts or accessories, ammunition, weapons or knives
• Any product or service that is illegal, or marketed or sold in such a way as to create liability for us or our payment partners
• Production of military and paramilitary wear and accoutrements, including those of the Police and the Customs, Immigration and Prison Services

Transactions and activities

You may not use Makola.io for any transaction or activity that:

• shows the personal information of third parties in violation of applicable law
• supports pyramid or Ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs
• is associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card
• violates any law or government regulation, or promotes or facilitates such violations by third parties
• violates any rule or regulation of Visa, Mastercard, Verve, American Express or any other electronic funds transfer network (each, a "card network")
• is fraudulent, deceptive, unfair or predatory
• causes or threatens reputational damage to us, our payment partners or any card network
• results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability for customers, merchants, us, our payment partners, the service providers we rely on or any card network
• pertains to ammunition and arms
• involves gambling, gaming or any other activity with an entry fee and a prize, including casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes

Also not allowed in Ghana

In Ghana you may also not use Makola.io for:

• Cryptocurrency trading
• Forex trading and currency exchange
• Products and services that fall within the Import Prohibitions and Restrictions List of the Customs division of the Ghana Revenue Authority

Our payment partners do not support card payments for businesses in the categories below in Ghana, or support them only after extra checks. A shop may sell in these categories only with our written approval. Write to us at support@makola.io before you list anything. We may ask you for more information, our payment partners may ask us for documents, and we may say no. We may withdraw an approval at any time.

In the lists below, betting and wagering on games of skill fall under the gambling rule in the list of things that are never allowed. That rule wins: they are not allowed, even though they are listed here.

Not supported for card payments in Ghana

• Dating and escort services
• Direct marketing: inbound telemarketing merchants
• Direct marketing: outbound telemarketing merchants
• Direct marketing: travel-related arrangement services
• Non-face-to-face tobacco products merchants
• Non-face-to-face adult content and services merchants
• Pawn shops
• Skill games merchants
• Precious stones jewellery
• Computer network/information services for the sale of access to cyberlockers or remote digital file-sharing services, internet service providers, etc.
• Digital goods: games for transactions involving skilled game wagering (for example, daily fantasy sports)
• Non-fiat currency and liquid and cryptocurrency assets (for example, cryptocurrency, money orders [not money transfer], traveller's cheques, and debt repayment) for the sale of cryptocurrencies, etc.

Need further review

• Non-face-to-face prescription drug and pharmaceutical merchants
• Betting, including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks
• Security brokers/dealers (fintech: investments, forex, etc.)
• Quasi-cash / non-financial institutions: foreign currency
• Financial institutions: merchandise and services

Whatever you sell, you must also follow these rules.

• Fraud. Do not take payment for goods you do not mean to deliver. Do not use someone else's identity or payment details. Do not place fake orders or take part in them.
• False listings. Describe what you sell honestly: what it is, what it costs, what condition it is in and when you can deliver it. Use photos and words you have the right to use. Do not list goods you do not have or cannot get.
• Fake reviews. Do not write, buy, sell or ask for false reviews, and do not review your own shop.
• Misuse of personal data. Use a customer's personal details only for their order and to look after them. Do not sell or share them, and do not collect details you do not need.
• Scraping and automated access. Do not scrape or collect data from Makola.io, or from other shops, by automated means, except through interfaces we publish for that purpose.
• Malware and interference. Do not send or upload malware, try to get into accounts or systems that are not yours, or interfere with how Makola.io or any shop works.
• Avoiding platform fees. Do not arrange for a sale that began on Makola.io to be paid for outside it so that you pay no platform fee.
• Harassment. Do not harass, threaten or abuse customers, merchants, suppliers, promoters or our team.

Makola.io is a place to sell goods. The sale is between the customer and the shop. You may not use Makola.io to run an escrow service, a lay-away scheme, a pooled-savings arrangement, or a way to send money from one person to another.

If you see something that breaks this policy, tell us:

• Email support@makola.io with the shop name or the product link, and what is wrong.
• Or use the WhatsApp number on our Contact page.
• In the Makola app, open the product and choose Report this listing.

A report of a listing goes to our team's review queue. It does not remove the listing by itself: our staff look at it and decide.

If something breaks this policy, we may do any of the following, depending on how serious it is:

• Take a product down. We record the reason and tell the merchant.
• Suspend or block a shop, so that customers can no longer reach it, or archive it, which takes it off the site and keeps its records.
• Hold back payouts where the law requires it, or where we suspect fraud or have a chargeback to review.
• Cooperate with law enforcement and with court orders.

If you think we got it wrong, write to support@makola.io with the shop name or product link and your reasons. Someone on our team will look at it again.

Questions about this policy? Email support@makola.io or use our Contact page.

Operated by Velcoure Savero

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