Terms of Service

These Terms of Service ("Terms") are an agreement between you and Oakmonte Multiglobal Limited, a company being incorporated in the Federal Republic of Nigeria ("Oakmonte", "we", "us" or "our"). They govern your use of the Oakmonte website, web app and related services (the "Platform").

By creating an account or using the Platform, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Platform. If you use Oakmonte on behalf of a business, you confirm you are authorised to bind that business to these Terms.

Oakmonte is in an early-access period. During this period, checkout and payments are switched off, and some features (including the cart, messaging other members, drops and linking other stores' products) are marked as unavailable. No purchase can be made and no money changes hands on the Platform until we announce full launch.

Features may change, be added or be removed while we prepare for launch. The sections of these Terms about buying, selling and payments apply from the moment those features are switched on.

Oakmonte is a marketplace where people discover fashion through content:

• Buyers discover products through posts and storefronts and buy them.
• Sellers run storefronts and list and fulfil their own products.
• Creators post content and link it to products listed on the Platform.

Oakmonte provides the marketplace. We are not the manufacturer, owner or seller of the products listed by sellers. When you buy a product, the contract of sale is between you and the seller. Sellers are responsible for their listings, products and deliveries.

• You must be at least 13 years old to create an account.
• If you are under 18, you may only use Oakmonte with the permission of a parent or guardian, who agrees to these Terms on your behalf.
• You must be at least 16 years old to buy on Oakmonte.
• You must be at least 18 years old to open a store, sell, or receive payouts.
• You must give accurate information when you register and keep it up to date. You are responsible for everything that happens on your account, and for keeping your sign-in details secure. Tell us straight away at contact@oakmonte.store if you think your account has been accessed without your permission.
• A seller account comes with two profiles: a personal profile for the owner and a profile for the store. Both are covered by these Terms, and the seller is responsible for activity on both.

You keep ownership of the photos, videos, text and other material you post ("your content").

By posting, you give Oakmonte a worldwide, non-exclusive, royalty-free licence to host, store, copy, adapt (for example resizing, cropping or converting formats), display and distribute your content on the Platform, and to show it in promotion of the Platform. This licence ends when you delete the content or your account, except for copies kept in backups for a limited time, copies we must keep by law, and content other users have already shared within the Platform.

You confirm that you own your content or have every permission needed to post it, including the rights of anyone who appears in it and of any music, images or other material within it, and that it does not break the law or these Terms. We may remove content, or limit who can see it, if we believe it breaks these Terms or the law.

• Prices are set by sellers and shown in Nigerian Naira (NGN). The price and any delivery charge are shown before you pay.
• Payment is taken when you place an order and held until the order is complete (see Payments and Held Funds). Payments are processed by Paystack. Oakmonte does not see or store your full card details.
• You are responsible for giving a correct delivery address and contact details.
• Returns. If an item arrives damaged, is the wrong item, or is materially different from its listing, you may request a return within 7 days of delivery. In those cases the seller pays for return delivery, and once the seller receives the item back you are refunded to your original payment method. Returns for a change of mind are only available where the seller's own listing offers them.
• Nothing in these Terms limits the rights you have as a consumer under the Federal Competition and Consumer Protection Act 2018 or any other law that cannot be excluded by agreement.

• Listings must be accurate and honest, including photos, descriptions, sizes, condition, price and availability.
• You may only sell genuine products that you have the right to sell. Counterfeit, replica or stolen goods are forbidden.
• You must ship orders on time, use the delivery details provided, and respond to buyers and to Oakmonte about your orders.
• Fees. Oakmonte charges a commission of 3% of the price paid for each item sold. Paystack's payment processing fee of 1.5% is also deducted from the sale, so the total is 4.5% of the price paid. The amount you will receive is shown when you set your price. We will give you at least 14 days' notice before changing our commission.
• Payouts are made to a Nigerian bank account in your name or your business's name.
• You are responsible for your own taxes, and for complying with the laws that apply to your products and your business.
• You may not ask buyers to pay you outside Oakmonte for a sale that began on the Platform.
• We may hold back a payout while an order is disputed, or if we reasonably suspect fraud or a breach of these Terms. Accounts with repeated late, cancelled or disputed orders may be shown less prominently, suspended or closed.

• Creators may link their posts to products listed on Oakmonte. How creators are paid for sales through their content will be set out in a separate creator policy before that feature launches.
• If you are paid or given anything to feature a product, you must say so clearly in the post, as required by Nigerian advertising and consumer protection rules.
• You may not link your content to products in a way that misleads people about the product or about your relationship with the seller.

You must not use Oakmonte to:

• break any law, or help anyone else to;
• sell or promote counterfeit goods, stolen goods, weapons, drugs, alcohol or tobacco products, sexually explicit material, or anything else that is illegal to sell in Nigeria;
• post content that is sexual involving anyone under 18, hateful, harassing, threatening, violent, or that invades someone's privacy;
• impersonate any person, brand or store, or misrepresent your connection to them;
• post fake reviews, buy or fake likes, followers, comments or shares, or invent scarcity;
• take payments outside the Platform for sales that began on it;
• post content you do not have the rights to;
• send spam, collect other users' personal information without permission, or use bots, scrapers or automated tools on the Platform;
• interfere with, probe or try to get around the Platform's security or features, including features marked as unavailable.

Payments are processed by Paystack, a licensed payment service provider. Oakmonte is not a bank. Paystack's own terms also apply to your payments.

When a buyer pays, the funds are held until the order is complete. They are released to the seller, less the fees in the Selling section, 72 hours after the buyer confirms delivery, or 7 days after delivery if the buyer neither confirms delivery nor raises a problem in that time. If the buyer raises a problem, the funds stay held until it is resolved.

If a payment is reversed by the buyer's bank or card issuer, or found to be fraudulent, we may recover the amount from the seller's future payouts.

If something goes wrong with an order, the buyer and seller should first try to sort it out between them. If they cannot, either can ask Oakmonte to review it. We may ask both sides for evidence such as order details, delivery tracking, photos and messages.

We will decide in good faith whether held funds go to the seller or are refunded to the buyer. This decides only what happens to funds we hold; it does not stop either person from using any legal rights they have against the other.

The Oakmonte name, logo, Platform design, themes and software belong to Oakmonte Multiglobal Limited and may not be used without our written permission.

If you believe something on Oakmonte infringes your copyright, trade mark or other rights, email contact@oakmonte.store with: your contact details, the work or mark you own, a link to the content you are reporting, and a statement that you believe in good faith the use is not authorised. We will review it promptly and may remove the content. We close the accounts of people who repeatedly infringe others' rights.

• We will send you messages about your account and orders. These are part of the service. Marketing messages are only sent if you agree to them, and you can stop them at any time.
• Push notifications are only sent if you turn them on, and you can turn them off in your device or browser settings.
• Messages you send through Oakmonte are stored encrypted. We may review messages that are reported to us, or where we need to in order to investigate fraud or abuse or comply with the law.

• You can delete your account at any time in Settings. Orders already placed still need to be completed, refunded or resolved under these Terms.
• We may suspend or close an account, remove content, or withhold access to features if we reasonably believe the account has broken these Terms or the law, or puts other users or Oakmonte at risk. Where it is safe and lawful to do so, we will tell you why and give you a chance to respond.

We work hard to keep Oakmonte running well, but the Platform is provided "as is" and "as available". To the extent the law allows, we do not promise that it will always be available or free of errors, and we are not responsible for the products sellers list, what users post, or what users do. Estimates the Platform gives you, such as suggested product weights or delivery costs, are guides only and should be checked.

To the extent the law allows:

• Oakmonte is not liable for any indirect or consequential loss, or for loss of profit, revenue, business, goodwill or data.
• Our total liability to you for all claims connected with the Platform in any 12-month period is limited to the greater of the fees you paid to Oakmonte in that period or ₦50,000.

Nothing in these Terms limits liability for fraud, for death or personal injury caused by negligence, or for anything else that cannot be limited by law.

If someone makes a claim against Oakmonte because of your content, your products, your breach of these Terms or your breach of the law, you agree to cover the reasonable losses and costs we incur as a result.

These Terms are governed by the laws of the Federal Republic of Nigeria.

If you have a dispute with Oakmonte, please contact us first at contact@oakmonte.store. We will try to resolve it with you within 30 days. If we cannot, the dispute will be decided by the courts of Lagos State, Nigeria, unless the law gives you the right to bring it elsewhere.

We may update these Terms. For important changes we will tell you in the app or by email at least 14 days before they take effect. Changes needed for legal or security reasons may take effect sooner. If you keep using Oakmonte after a change takes effect, you accept the updated Terms. If you do not agree, you can delete your account.

• These Terms and the Privacy Policy are the whole agreement between you and Oakmonte about the Platform.
• If any part of these Terms is found to be unenforceable, the rest still applies.
• If we do not enforce a right straight away, we can still enforce it later.
• You may not transfer your rights under these Terms. We may transfer ours to a company that takes over the Platform, and will tell you if we do.

Oakmonte Multiglobal Limited, Nigeria. Email: contact@oakmonte.store. You can also message Oakmonte Support from the Messages page in the app.