Terms & Conditions

STONKS (“STONKS”, “we”, “us”, “our”) is a service operated as a sole proprietorship registered in Ghana. STONKS provides software that lets a shop (“Merchant”, “you”) create an online store, manage inventory and orders, and accept online payments. These Terms govern your use of the STONKS app and websites (the “Service”).

By creating an account or using the Service, you agree to these Terms. If you don’t agree, don’t use the Service.

• You must be at least 18 years old, or the age of majority in your jurisdiction, to open a Merchant account.
• You must provide accurate business and contact information and keep it up to date.
• You are responsible for everything done under your account, including by staff you invite.

• You are solely responsible for the products and services you list, their descriptions, prices, availability, quality, legality, and for fulfilling orders your customers place.
• You must not sell items that are illegal in Ghana or prohibited by our payment providers (for example: weapons, illicit drugs, counterfeit goods, or other restricted items).
• You are responsible for any taxes, licences, or permits your business requires.

• Online payments are processed by Paystack and its partners. By accepting online payments through STONKS you also agree to Paystack’s terms.
• STONKS charges a transaction fee as a percentage of each successful online payment. Your current rate depends on your plan (for example: Free 3.5%, Pro 3%, Plus 2.5%) and is shown in the app. Payment-provider charges are included within that rate unless stated otherwise.
• Paid plans (Pro, Plus) may carry a recurring subscription fee shown at checkout. Fees are quoted in Ghana Cedis (GHS) unless stated otherwise.
• Funds from customer payments are settled to the bank or mobile-money account you register, subject to the payment provider's settlement schedule. STONKS does not hold your funds.
• We may change fees or plan features with reasonable notice. Continued use after a change means you accept the new fees.

• Refunds to your customers are initiated by you through the app. Once you issue a refund it may be deducted from your available balance or future settlements by the payment provider.
• You are responsible for resolving disputes and chargebacks with your customers. STONKS is not a party to the sale between you and your customer.

You may invite staff to your store. Staff act on your behalf and their actions (such as recording sales or deliveries) are your responsibility. You are responsible for granting and removing their access.

You agree not to: break the law; infringe others’ rights; upload malware; attempt to gain unauthorised access to the Service or other Merchants’ data; scrape or overload the Service; or use STONKS to deceive or defraud customers. We may suspend or terminate accounts that breach these Terms.

You keep ownership of the content you upload (product names, images, descriptions, logos). You grant STONKS a licence to host and display that content solely to operate the Service for you and your customers. You confirm you have the right to use any content you upload.

We work to keep STONKS available and reliable, but the Service is provided “as is” without guarantees of uninterrupted or error-free operation. Some features are in active development. We may add, change, or remove features over time.

• You may stop using STONKS at any time.
• We may suspend or terminate your access if you breach these Terms, if required by law or a payment provider, or to protect the Service or other users.
• On termination, your right to use the Service ends. We may retain and delete data in line with our Privacy Policy and applicable law.

To the maximum extent permitted by law, STONKS and its owner are not liable for indirect, incidental, or consequential losses, lost profits, lost sales, or loss of data arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the fees you paid to STONKS in the three (3) months before the claim arose.

You agree to cover STONKS against claims, losses, and costs arising from your products, your sales to customers, your content, or your breach of these Terms.

We may update these Terms. If we make material changes we’ll give reasonable notice (for example, in the app or by email). The “Last updated” date shows the current version.

These Terms are governed by the laws of the Republic of Ghana, and the courts of Ghana have jurisdiction over any dispute, subject to any right you have under mandatory consumer law.

Questions about these Terms: jojo.nti.kumi.appiah@gmail.com · 0530353058.