Effective Date: November 8, 2024

Last Updated: June 8, 2025

1. Introduction & Acceptance of Terms

Welcome to Ojahmi. This Platform Infrastructure Agreement ("Agreement" or "Terms") constitutes a legally binding contract between Yusmid International Ltd (operating as "Ojahmi", "we", "us", or "our") and the individual, business entity, or representative registering a merchant account ("Merchant", "Vendor", "you", or "your").

By creating an account, accessing the Ojahmi web dashboard, utilizing the Ojahmi mobile application, or configuring an e-commerce storefront, you explicitly agree to be bound by these Terms, our Privacy Policy, and our Financial Services Agreement. If you do not agree to these terms, you are strictly prohibited from using our infrastructure, and you must cease all account creation processes immediately.

2. Definition of Platform Services (The Infrastructure Clause)

Ojahmi is strictly a Business-to-Business (B2B) Software-as-a-Service (SaaS) provider. We build, host, and maintain the digital architecture, database frameworks, and payment/logistics integrations that allow independent business owners to construct their own self-hosted e-commerce storefronts.

2.1 Independent Store Ownership

Every store built on Ojahmi is owned, operated, managed, and controlled exclusively by the respective Merchant. Ojahmi does not curate, inspect, audit, or approve individual store inventories, service catalogs, or marketing campaigns.

2.2 The Non-Aggregator Declaration

Ojahmi is not an e-commerce marketplace, a directory aggregator, a direct-to-consumer retailer, or a public shopping mall. We have no relationship with the end-consumers ("Your Customers", "Buyers") who buy from your storefront. We do not participate in the negotiation, processing, or fulfillment of transactions occurring on your store outside of providing the software infrastructure.

3. Account Eligibility, Verification, & Onboarding

To register an account and maintain an active digital storefront on Ojahmi, you must meet the following statutory requirements:

• Age Limit: You must be at least 18 years of age, or the legal age of majority in your jurisdiction of operation, to enter into a binding contract.

• Accuracy of Data: You must provide legal, current, and verifiable information during registration, including your full legal name, business registration status, corporate address, active email, and functional telephone number.

• Identity Verification (KYC/KYB): You acknowledge that Ojahmi and OjahmiPay reserve the right to demand verification documents at any time. This includes, but is not limited to, Corporate Affairs Commission (CAC) papers in Nigeria, business registration cards in Kenya or Ghana, valid government IDs (NIN, Passport, Driver’s License), and Bank Verification Numbers (BVN) to prevent financial crimes.

4. Acceptable Use & Prohibited Activities

You are given a non-exclusive, non-transferable, revocable license to utilize Ojahmi's infrastructure to run a legitimate business. You explicitly covenant that your digital storefront will not be used to sell, promote, or distribute any items or services listed in our Prohibited Business Index.

4.1 Prohibited Goods and Services include:

• Counterfeit luxury goods, replicas, or unauthorized distributions of copyrighted materials.

• Firearms, ammunition, explosives, fireworks, or tactical weaponry.

• Narcotics, prescription drugs without verified medical licensure, illegal substances, and synthetic drugs.

• Unregulated financial schemes, multi-level marketing (MLM) programs, pyramid setups, or unlicensed currency exchange services.

• Adult entertainment, explicit content, pornography, or human trafficking-related services.

• Any item or service that violates local consumer protection laws, trade restrictions, or criminal codes across Nigeria, Kenya, Ghana, South Africa, Egypt, or the CFA zones.

Ojahmi monitors infrastructure usage via automated tracking logs. We reserve the absolute, unilateral right to permanently delete any storefront, seize connected data, and report violations to local law enforcement if these boundaries are breached.

5. Absolute Separation of Customer Liability

Because you operate your store independently, you are solely responsible for setting your own merchant rules.

5.1 Merchant Policies

You are legally required to post clear, conspicuous, and comprehensive customer-facing policies on your storefront. This includes your Shipping Policy, Refund Policy, Return Timeline, and Data Protection Disclosures.

5.2 Consumer Disputes & Chargebacks

Ojahmi will under no circumstances mediate, arbitrate, or respond to complaints from your customers regarding broken items, delayed packages, or missed expectations. If an end-consumer contacts Ojahmi support regarding an order from your shop, they will be given your public business contact email/WhatsApp number, and the ticket will be immediately closed. You agree to indemnify Ojahmi against any legal actions or claims brought forward by your buyers.

6. Intellectual Property & Storefront Data

6.1 Your Content

You retain full ownership of all text, images, logos, product descriptions, and media assets that you upload to your Ojahmi dashboard. You grant Ojahmi a non-exclusive, worldwide, royalty-free license to host, display, store, and transmit your content solely for the purpose of keeping your digital storefront live online.

6.2 Ojahmi Property

The Ojahmi logo, dashboard software architecture, source codes, database structures, UI design elements, app logic, and API protocols are the exclusive intellectual property of Yusmid International Ltd. You are strictly prohibited from reverse-engineering, scraping, duplicating, or copying any element of our infrastructure.

7. Fees, Subscriptions, & Billing

Ojahmi charges platform access fees based on recurring subscriptions or specified operational models.

• Subscription Renewals: If your account is on a recurring billing cycle, fees are charged automatically on the designated calendar date.

• Failure to Pay: If a subscription payment fails, Ojahmi will grant a grace period of [e.g., 3 days]. Following the grace period, your dashboard access will be restricted, and your public storefront will be taken offline until payments are fully updated.

• Refunds: All platform access subscription fees paid to Ojahmi are non-refundable.

8. Limitation of Liability & Platform Downtime

Ojahmi provides its website builder, hosting infrastructure, mobile applications, and server networks on an "As Is" and "As Available" basis without warranties of any kind, whether express or implied.

• Downtime: You acknowledge that server infrastructure requires periodic maintenance and can experience unexpected outages due to third-party hosting partners (e.g., AWS, cloud servers), network service providers, or regional power grid gridlocks. Ojahmi is not liable for any lost sales, lost customer data, or missed business opportunities caused by platform technical downtime.

• Maximum Liability: To the maximum extent permitted by applicable law, the total cumulative liability of Ojahmi/Yusmid International Ltd for any claims arising from your use of our infrastructure shall not exceed the total amount of subscription fees you paid to Ojahmi during the three (3) months immediately preceding the event that caused the claim.

9. Governing Law & Dispute Resolution

This Agreement shall be governed by, construed, and enforced in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

Any dispute, controversy, or claim arising out of or relating to this platform agreement—including its existence, validity, interpretation, performance, or breach—shall first be attempted to be resolved amicably through good-faith executive negotiations between you and Ojahmi management. If an amicable settlement cannot be reached within thirty (30) business days, the dispute shall be referred to and finally resolved by binding arbitration in Lagos, Nigeria, under the provisions of the Arbitration and Mediation Act.