Terms of service

1. Who you are contracting with

Dzra is operated by Dzra Ltd, a company registered in Ghana (number CS-0000000000), of 1 Independence Avenue, Osu, Accra, Ghana. In these terms “Dzra”, “we” and “us” mean that company; “you” means the business that opens an account.

2. What Dzra is, and is not

Dzra is software that lets you publish an online store, take orders and collect payment. You are the seller. The contract for any item bought through your store is between you and your customer. We are not a party to it, we do not own or handle the goods, and we are not a merchant of record, a payment institution or a delivery service.

This means the description, quality, legality, pricing, delivery and after-sales handling of what you sell are yours. Where a customer has a complaint about an order, it is yours to resolve.

3. Your account

• You must be at least 18 and able to enter a contract, and the details you give us must be accurate and kept up to date.
• You are responsible for everything done under your account, and for keeping your password and any staff access secure. Tell us promptly if you believe your account has been compromised.
• One business per account. You may add staff members; you remain responsible for what they do.

4. Your store and your content

Your product photographs, descriptions, logo and store text stay yours. You grant us a non-exclusive licence to host, reproduce and display them for the purpose of running your store and, unless you tell us otherwise, to show your store as an example of Dzra in our own materials.

You confirm you have the right to use everything you upload, and that it does not infringe anyone else’s rights. What you may and may not sell is set out in our acceptable use policy, which forms part of these terms.

5. Fees

• Commission. We charge a percentage of the goods total of each completed sale — 3% on the Free plan and 1% on Business. Commission is not charged on delivery fees.
• Subscription. Paid plans are billed monthly in advance and can be cancelled at any time, taking effect at the end of the period paid for. We do not refund part-months.
• Third-party charges. Your payment provider deducts its own transaction fee. That fee is theirs and is separate from ours.
• Taxes. Fees are exclusive of VAT and statutory levies, which we add where they apply. You are responsible for your own tax obligations on what you sell.
• Changes. We may change our fees on 30 days’ notice by email. If you do not accept a change, you may close your account before it takes effect.

6. Payments and payouts

Customer payments are processed by a licensed third-party payment provider under your own agreement with them. Money is settled by that provider directly to the account you register. Dzra does not hold or transmit your funds and cannot release, delay or recall a settlement.

An order is recorded as paid only when we receive a verified confirmation from the payment provider. Provider verification requirements, settlement timing, holds and chargebacks are governed by their terms.

7. What we ask of you

• Describe and price what you sell accurately, including delivery fees.
• Fulfil orders you have accepted payment for, within the time you have led the customer to expect.
• Publish and honour a returns policy at least as protective as our returns and refunds policy.
• Answer your customers. Persistent failure to respond to buyers is grounds for suspension.
• Handle your customers’ personal data lawfully. You are the controller of your customer data and must comply with the Data Protection Act, 2012 (Act 843).

8. Availability and support

We work to keep Dzra available and quick, but we do not offer a guaranteed uptime level at this stage, and the service is provided as it stands. We may change or withdraw features; where a change materially reduces what you rely on, we will give reasonable notice.

Support is available Monday to Friday, 8am – 6pm GMT at support@dzra.com.

9. Suspension and termination

You may close your account at any time from the dashboard or by writing to us. We may suspend or close an account, with notice where it is practical to give it, if you materially breach these terms or the acceptable use policy, if we are required to by law or by a payment provider, or if the account is being used fraudulently.

Where the reason is fraud, illegality or serious harm to customers, we may act immediately. On termination your store stops being served; ask us within 90 days and we will provide a copy of your products, orders and customer records.

10. Our intellectual property

The Dzra software, name, mark and design remain ours. Nothing in these terms transfers them, and you may not copy, resell or reverse engineer the platform.

11. Liability

Nothing here excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence.

Subject to that, we are not liable for lost profits, lost sales, lost data or indirect or consequential loss; and our total liability to you in any twelve-month period is limited to the fees you paid us in the twelve months before the claim arose. We are not liable for the acts of your customers, your couriers or your payment provider.

12. Indemnity

You will indemnify us against claims, losses and reasonable costs arising from what you sell, from your content, from your dealings with your customers, or from your breach of these terms.

13. Changes to these terms

We may update these terms. Material changes will be notified by email or in the dashboard at least 14 days before they take effect. Continuing to use Dzra after that date means you accept the updated terms.

14. Governing law and disputes

These terms are governed by the laws of the Republic of Ghana, and the courts of Ghana have exclusive jurisdiction. Before starting proceedings, please raise the issue with us — most things are settled with a conversation.

15. General

• If a provision is found unenforceable, the rest continues to apply.
• You may not transfer your rights under these terms without our consent; we may transfer ours to a successor of the business.
• These terms, with the acceptable use, privacy and returns policies, are the whole agreement between us.