Legal Agreement

Terms of Service

Effective Date: 16 September 2026
Last Updated: 11 September 2026
Governing Law: Republic of Ghana
Please read these Terms carefully before using Guildite. By creating an account or using any part of the Guildite platform, you agree to be bound by these Terms of Service. If you do not agree, you must not use Guildite.
Contents
Section 01

About Guildite

Guildite is a digital commerce platform owned and operated by GuildIte Ltd, a subsidiary of Gildaig Ltd. Guildite provides independent sellers with tools to create digital shops, manage inventory, process orders, access market analytics, connect with buyers and participate in a seller community.

Guildite is a marketplace operator that connects buyers and sellers and sets and enforces rules for use of the platform. Guildite is not a government regulator, seller, retailer, auctioneer or agent for any product listed on the platform. Guildite does not own, inspect, verify or guarantee any product, service or listing unless explicitly stated.

Important: The sale contract is directly between the buyer and seller. Guildite does not provide escrow, hold purchase funds pending delivery, or become a party to the underlying sale merely because the platform records an order or links to a third-party payment service.
Section 02

Eligibility

To use Guildite you must:

Section 03

Accounts

Registration

You must register for an account to access Guildite’s seller features. You agree to provide accurate, current and complete information during registration and to keep your account information updated.

When Guildite asks you to accept these Terms in the app, selecting the acceptance checkbox and continuing creates an electronic record of the Terms version and time accepted. If you do not accept the current Terms, you may sign out and continue to read Guildite’s public legal and help pages.

Account Security

You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account. You must notify Guildite immediately at legal@guildite.com if you suspect unauthorised access to your account.

One Account Per Person

You may only hold one active seller account on Guildite. Creating multiple accounts to circumvent suspensions, bans or platform fees is a serious violation of these Terms and will result in permanent removal from the platform.

Account Verification

Guildite may require identity verification for certain features including high-value transactions above specified thresholds. You agree to provide requested verification documents promptly. Failure to verify may result in transaction limits or account suspension.

Section 04

Platform Rules

No escrow protection: Guildite does not hold money until delivery and does not guarantee payment, delivery, product quality, returns or refunds. Buyers and sellers should keep order records, use lawful payment methods and never share a mobile money PIN, card security code or account password.
Section 05

Seller Obligations

Listings
Orders and Fulfilment
Consumer Information, Returns and Refunds
Prohibited Items

Sellers are solely responsible for the accuracy of their listings, the quality of their products, compliance with applicable laws, and payment of all applicable taxes on their sales.

Section 06

Buyer Obligations

Keep payment evidence: Guildite does not release or control purchase funds. Buyers should keep receipts and contact the seller and payment provider promptly if a payment is unauthorised, duplicated, reversed or connected with an unfulfilled order.
Section 07

Payments, Returns and Refunds

No Escrow or Custodial Service

Guildite does not provide an escrow, wallet, deposit-taking or custodial payment service and does not hold purchase funds pending delivery.

Payments on Guildite are processed through Paystack. Each seller has a dedicated Paystack Subaccount, and Guildite uses Paystack’s Split Payments functionality so that when a buyer pays, the funds are settled directly to the seller’s Paystack Subaccount, with Guildite’s platform fee deducted and routed separately as part of the same transaction. At no point do buyer funds pass through, or come under the control of, Gildaig Ltd or GuildIte Ltd. Use of Paystack is subject to Paystack’s own terms and privacy notice, which are available at paystack.com. The checkout page will identify Paystack as the payment processor and disclose material charges before payment.

The seller remains responsible for the sale, fulfilment, customer service, returns and legally required refunds. A payment provider, card issuer, bank or mobile money provider may independently reverse or dispute a payment under applicable law and its own rules.

Critical Security Warning: Guildite will never ask for your mobile money PIN, full card security code or account password. Do not treat an order-status message or delivery code as proof that money has been received. Verify payment through the payment provider and report suspicious requests immediately.
Platform Fees

Any Guildite platform or service fee will be displayed before it is charged. A fee is not voluntarily refundable after the associated Guildite service has been supplied, except for a duplicate, unauthorised or incorrectly processed charge or where applicable law requires otherwise.

Returns, Cancellations and Product Refunds

Guildite does not promise or issue discretionary refunds for goods or services sold by users. Buyers must direct product return, exchange, cancellation and refund requests to the seller and, where relevant, the payment provider. Sellers must comply with their published policy and all mandatory legal obligations.

Nothing in these Terms removes a non-excludable consumer right. Under Ghana’s Electronic Transactions Act, covered electronic transactions may carry cancellation rights, and a supplier that cannot perform because goods or services are unavailable must notify the consumer and refund payment within the period required by law. Statutory exceptions may apply to categories such as certain perishable or personalised goods, opened software or recordings, auctions, and specified services.

Section 08

Fees and Subscriptions

Guildite offers both free and paid subscription tiers for sellers. Pro and Enterprise subscription tiers provide access to advanced features including market analytics, priority support and enhanced shop customisation.

Section 09

Data and Intellectual Property

Guildite’s Intellectual Property

Guildite’s platform, software, brand, logos, product names, design elements and all underlying technology are owned by GuildIte Ltd and Gildaig Ltd. Nothing in these Terms grants you any right to use Guildite’s intellectual property without express written permission.

Transaction and Platform Data

Guildite retains rights in platform-generated analytics and may use aggregated or anonymised transaction data to improve the platform and develop analytics products. Guildite does not claim ownership of a user’s personal information, and this clause does not limit rights provided by data-protection law.

Your Content

You retain ownership of content you create and upload to Guildite, including product images, descriptions and shop branding. By uploading content you grant Guildite a worldwide, royalty-free licence to use, display, reproduce and distribute that content for the purpose of operating and promoting the platform.

Section 10

Community Guidelines

Scam Protection: Legitimate Guildite transactions never require sharing personal payment details in community chat. If anyone asks you to share a delivery code, mobile money PIN, or bank details — this is a scam attempt. Report it immediately.
Section 11

Prohibited Conduct

Section 12

Limitation of Liability

Liability Cap: To the extent permitted by law, Guildite’s total liability to any user for a claim arising from use of the platform is limited to the total platform fees paid by that user to Guildite in the twelve months immediately preceding the claim. Nothing in these Terms excludes liability or a remedy that applicable law does not permit Guildite to exclude.
Section 13

Enforcement, Suspension and Appeals

You may close your Guildite account at any time through your account settings. Upon closure, your public shop and listings will be removed, subject to records Guildite must retain for security, complaints, legal claims or compliance.

Reports and Review

A report is an allegation and does not automatically prove misconduct. Guildite may review account records, listings, messages, transaction and delivery records, prior reports, submitted evidence and relevant security signals. Guildite may request information from the reporting and reported users. Reports concerning buyers and sellers are assessed under the same process.

Available Actions

Depending on the evidence, severity, urgency and history of violations, Guildite may take no action, issue guidance or a warning, remove content or listings, restrict features, temporarily suspend an account, or permanently ban a user. Credible fraud, safety, unlawful-content or account-security concerns may result in an immediate temporary restriction while review continues. Repeated or serious violations may result in a permanent ban.

Where reasonably possible and lawful, Guildite will notify the affected user of the action and a meaningful reason. Guildite may limit details where disclosure would expose another person’s private information, enable fraud, threaten safety or interfere with a legal investigation. A reporter may be told that a report was reviewed or that action was taken, but will not receive confidential account or investigation details.

Appeals

A suspended or banned user may appeal by contacting support@guildite.com and providing the account details, reason for appeal and relevant evidence. Appeals receive a fresh review where reasonably practicable. Filing an appeal does not automatically restore access. Guildite may decline repetitive or abusive appeals.

Section 14

Complaints and Disputes

Buyer and Seller Disputes

If a dispute arises between a buyer and seller, the parties should first communicate directly and preserve order, delivery and payment evidence. Guildite may review a complaint for possible violation of platform rules, but does not act as a court, arbitrator or escrow agent and does not control a seller’s funds. Either party may also use remedies available through the payment provider, a regulator or a court.

Platform Complaints

Complaints about Guildite’s service or moderation may be sent to support@guildite.com. Privacy complaints may be sent to privacy@guildite.com or lodged with Ghana’s Data Protection Commission. Payment-provider complaints may also be submitted through the provider’s published complaint procedure.

Disputes Against Guildite

These Terms are governed by the laws of the Republic of Ghana. Subject to any mandatory consumer right or jurisdiction that cannot lawfully be excluded, legal proceedings concerning Guildite may be brought before a court of competent jurisdiction in Ghana.

Section 15

Changes to These Terms

Guildite may update these Terms of Service from time to time. When material changes are made, Guildite will notify users by email and through an in-app notification at least 14 days before the changes take effect. Your continued use of Guildite after the effective date constitutes your acceptance of those Terms.

Section 16

Contact

Questions About These Terms?

Our team is here to help. Reach out and we will respond within 2 business days.

legal@guildite.com