Terms of Service

By creating an account, accessing, or using the Makola platform (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you may not use the Service. These Terms form a binding agreement between you and Makola.

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. Material changes will be communicated by email or in-platform notice.

"Makola", "we", "us", or "our" refers to the Makola platform operator. "Merchant" means any business or individual who registers a store on Makola. "Customer" means a person who purchases from a Merchant's store. "Platform" means the Makola software, APIs, websites, and related services.

"Content" means any text, images, product listings, or other material uploaded to the Platform by a Merchant. "Transaction" means a purchase, refund, or other financial exchange facilitated through the Platform.

You must be at least 18 years of age and legally capable of entering a binding contract to use Makola as a Merchant. By registering, you represent that all information you provide is accurate, complete, and current.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@makola.io if you suspect unauthorised access.

As a Merchant, you agree to: list only products and services you are legally permitted to sell; accurately describe your products, prices, and fulfilment timelines; comply with all applicable laws in your jurisdiction (including consumer protection, tax, and import/export regulations); and honour orders placed through your store in a timely manner.

Merchants are solely responsible for the accuracy of their Content and the quality of their products, and they resolve complaints and disputes with Customers first. Makola.io staff step in when asked, as described under Disputes & chargebacks.

What may and may not be sold or done on Makola.io is set out in our Acceptable Use Policy. It lists what is never allowed, what needs our written approval first, the rules of conduct, and what we do when a rule is broken. It forms part of these Terms, and you agree to it by using Makola.io.

Makola.io reserves the right to determine, at its sole discretion, whether a product, service or activity is prohibited.

Makola.io charges a platform fee on each sale. The fee is the greater of 5% of the sale, a minimum of GH₵ 1, and a floor that covers our payment partner's processing fee on that sale plus a small fixed amount per order. Our pricing page shows the current rate. There is no subscription and no monthly charge. All fees are exclusive of applicable taxes.

Online payments are processed by our payment partner, Paystack. On each sale, its processing fee is covered by the platform fee and is not billed to you on top. When a payment is refunded, Paystack keeps its processing fee (1.95% of the amount refunded). We do not absorb it: the Customer receives the refund less that fee, and is told so at checkout on a shop's website.

Where we hold your sales money before paying it to you, our staff approve each payout before the transfer is sent. We do not pay out on demand or on a schedule. A transfer fee of GH₵ 1 to a mobile-money wallet or GH₵ 8 to a bank account comes off each payout.

A balance below GH₵ 20 (mobile money) or GH₵ 100 (bank) is not paid out yet and keeps growing until it reaches the minimum.

For a shop's first 30 days, and until it has delivered 10 orders (whichever is later), a payout covers only orders that were delivered at least 3 days earlier. In that time, a shop may have at most GH₵ 2,000 of orders confirmed but not yet delivered, and we do not accept an online payment that would take it over that amount.

After you set or change a payout destination, we make no payout to it for 48 hours.

Where our payment partner splits a payment when the customer pays, your share goes to your payout account on our payment partner's schedule.

Makola.io may withhold payouts in cases of suspected fraud, chargebacks, or where required by law. Fees are non-refundable except where required by law.

Makola facilitates the sale between a Merchant and a Customer. The Merchant is the seller of record for every transaction; Makola is not a party to the contract of sale and does not hold title to any goods. Merchants are responsible for fulfilling orders, managing returns, and handling Customer complaints.

Customers contract directly with the Merchant whose store they purchase from. Makola provides the technology platform and payment infrastructure but does not guarantee the quality, safety, or delivery of any product or service sold by a Merchant.

Makola.io may hold payouts, as described under Payments, fees & payouts, and may help with complaints, as described under Disputes & chargebacks. Neither changes who the seller is.

If something goes wrong with an order, the Customer should first contact the Merchant, who is responsible for putting it right. Each shop publishes its own returns terms on its policies page, and our Returns and Refund Policy explains how returns and refunds work.

If the Customer and the Merchant cannot agree, either of them can ask Makola.io staff to step in through our Contact page. We review each request by hand and help where we can. We are not obliged to decide a dispute, and the sale remains a contract between the Customer and the Merchant.

When our payment partner tells us that a payment has been disputed with the Customer's bank (a chargeback), we freeze that payment. It cannot be refunded, and payouts to the shop that made the sale, and to anyone who shares in it, are held, until our staff have reviewed it.

Makola and its licensors retain all intellectual property rights in the Platform, including software, design, trademarks, and documentation. These Terms do not grant you any rights in Makola's intellectual property except as expressly set out herein.

By uploading Content to the Platform, you grant Makola a non-exclusive, royalty-free licence to host, display, and transmit that Content solely for the purpose of operating the Service. You retain all ownership rights in your Content.

The Platform integrates with third-party services including payment gateways, SMS and WhatsApp providers, and shipping partners. Your use of those services is governed by their respective terms and privacy policies. Makola is not responsible for the availability or conduct of third-party services.

The Platform is provided "as is" and "as available" without warranty of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free from viruses or other harmful components. We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement to the maximum extent permitted by law.

To the maximum extent permitted by applicable law, Makola's total liability to you for any claim arising under or in connection with these Terms shall not exceed the fees you paid to Makola in the three months preceding the claim.

In no event shall Makola be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or revenue, loss of data, or business interruption, even if advised of the possibility of such damages.

You agree to indemnify and hold harmless Makola, its officers, directors, employees, and agents from any claims, losses, damages, and expenses (including reasonable legal fees) arising out of your use of the Platform, your Content, your products or services, or your violation of these Terms or applicable law.

Makola may suspend or terminate your account and access to the Service at any time, with or without notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise unacceptable. You may close your account at any time from your account settings.

Upon termination, your right to access the Platform ceases immediately. We will retain your data in accordance with our Privacy Policy and applicable law. Provisions of these Terms that by their nature should survive termination will do so.

These Terms are governed by and construed in accordance with the laws of the Republic of Ghana. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ghana, except where mandatory local law requires otherwise for merchants operating in other markets.

As Makola expands to other markets (including Nigeria), merchants in those jurisdictions may also be subject to additional local terms required by applicable law. Such terms will be presented at registration or when entering a new market.

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last updated" date and notify you by email or in-platform message at least 14 days before the changes take effect.

If you do not agree to the revised Terms, you must stop using the Platform before the effective date of the changes. Continued use after that date constitutes acceptance.

For questions about these Terms, please contact us at support@makola.io .

We aim to respond to all legal queries within five business days.

Operated by Velcoure Savero