Terms of Service

1. Acceptance of Terms

Welcome to SKMRT. These Terms of Service ("Terms") govern your use of our e-commerce platform, website, and services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Service. We reserve the right to modify these Terms at any time, with changes taking effect immediately upon posting.

2. Description of Service

SKMRT provides an e-commerce platform that enables merchants to:

• Create and manage online stores
• List and sell products
• Process payments securely
• Manage inventory and orders
• Access analytics and business insights
• Communicate with customers via WhatsApp and social integration

Our Service is designed specifically for Nigerian entrepreneurs and businesses.

3. User Accounts

3.1 Account Creation

To use certain features of our Service, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use
• Use only one account per person/business

3.2 Account Suspension

We reserve the right to suspend or terminate your account for violations of these Terms, illegal activities, or at our discretion.

4. Merchant Responsibilities

4.1 Product Listings

As a merchant, you are responsible for:

• Accurate product descriptions and pricing
• High-quality product images
• Availability and stock levels
• Compliance with applicable laws and regulations
• Customer service and order fulfillment

4.2 Prohibited Activities

You agree not to:

• List counterfeit, illegal, or prohibited products
• Engage in fraudulent activities
• Violate intellectual property rights
• Harass or discriminate against customers
• Use the platform for money laundering or illegal transactions
• Manipulate reviews or ratings
• Spam or send unsolicited communications

5. Payment and Fees

5.1 Transaction Fees

SKMRT charges fees for successful transactions. Current fee structure:

5.2 Payment Processing

Payments are processed through secure third-party providers. SKMRT acts as a facilitator and is not responsible for payment processor decisions or disputes.

5.3 Refunds

Refund policies are determined by individual merchants. SKMRT facilitates refunds but does not guarantee them. Disputes should be resolved directly between merchants and customers.

6. Intellectual Property

6.1 Our Content

The Service and its original content, features, and functionality are owned by SKMRT and are protected by copyright, trademark, and other intellectual property laws.

6.2 Your Content

By uploading content to our platform, you grant us a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content solely for providing the Service.

6.3 DMCA Compliance

We respect intellectual property rights and respond to valid DMCA takedown notices. Merchants found violating intellectual property rights may have their accounts suspended.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you consent to the collection and use of information as outlined in our Privacy Policy.

8. Disclaimers and Limitations

8.1 Service Availability

We strive for high availability but do not guarantee uninterrupted service. The Service may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

8.2 No Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Service will be error-free or meet your specific requirements.

8.3 Limitation of Liability

To the maximum extent permitted by law, SKMRT shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

9. Indemnification

You agree to indemnify and hold SKMRT harmless from any claims, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

10. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination will continue to apply.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of Nigeria. Any disputes arising from these Terms or your use of the Service shall be resolved through the Nigerian court system.

12. Dispute Resolution

We encourage amicable resolution of disputes. If a dispute cannot be resolved through discussion, it shall be submitted to mediation before proceeding to court.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Continued use of the Service after changes constitutes acceptance of the modified Terms.

14. Contact Information

If you have questions about these Terms, please contact us: