Creator, Seller and Payments Terms

1. Who these terms are for

These terms apply when you earn on Oyoyo: receiving gifts, selling tickets, running a store, charging for a Square, appointments or content, or joining programmes such as the Creator Fund. They form part of the Terms of Use.

2. Getting set up

• Sellers and earning creators must be 18 or over and live in a country where we support payouts (currently Nigeria and the United Kingdom).
• Stores are reviewed by Oyoyo's team before they open. We may ask for more information or changes, or decline a store.
• To receive money you must pass identity and payout checks with our payment partners: Paystack in Nigeria, Stripe (Stripe Connect and Stripe Identity) in the United Kingdom. Their terms apply to those accounts.
• Give true information about yourself and your business, and keep it current.

3. Gifts and Cowries

Viewers buy Cowries and send gifts in Lives and on content. The value of gifts you receive is credited to your Oyoyo wallet after Oyoyo's share, as shown in the app at the time. Gifts reversed because of fraud, chargebacks or mistakes are removed from your balance.

4. Stores, products and services

• You are the seller. Your contract for a sale is with the buyer; Oyoyo provides the store, checkout and records.
• Describe items honestly, with clear prices, quantities, delivery or service details, and any terms. Keep stock and availability accurate.
• Oyoyo charges a fee on each completed sale, currently 8% of the item price, shown before you publish. Payment partners' fees may also apply.
• An order is completed when the buyer confirms it, or automatically 7 days after delivery is marked, unless the buyer raises a problem. Funds become available for payout after completion.
• You may share items in Squares whose shop is on. A Square's admins may approve or hide items in their Square; an admin's own items show straight away.

5. Refunds and disputes

• Buyers can ask for a refund from the order if an item doesn't arrive, isn't as described, or the law gives them the right. Answer promptly; the order page records both sides.
• If you and the buyer can't agree, Oyoyo's team reviews the evidence and decides whether to refund. Our decision doesn't take away either side's legal rights.
• Buyers in the UK have statutory rights, including the right to cancel many online purchases within 14 days. Sellers must honour them.
• We may hold funds connected to an open dispute, chargeback or suspected fraud until it is resolved.

6. Tickets and events

Organisers are responsible for their events: accurate details, safety, entry and any licences. If you cancel an event, buyers are refunded from the event's proceeds. Repeated cancellations or misleading events lead to restrictions.

7. Creator Fund and programmes

Programmes such as the Creator Fund and ambassador rewards have their own published rules, which may change between periods. Earnings from views, engagement or referrals that we find were inflated by fake activity are not paid.

8. Payouts

• You can withdraw your available balance to your verified bank account (Nigeria) or Stripe account (United Kingdom), above the minimum shown in the app.
• Payouts can be delayed by checks, holidays or our partners. We will tell you if a payout fails and why.
• We may hold or reverse earnings that come from fraud, chargebacks, breaches of our rules or mistakes, and recover a negative balance from future earnings.

9. Taxes

You are responsible for declaring and paying taxes on what you earn, including VAT where it applies to your sales. We may collect tax information and report earnings to tax authorities where the law requires.

10. Closing a store or stopping earning

You can pause or close your store at any time once open orders are fulfilled or refunded. We may pause or close stores, or stop earning features, for breaches of our rules or legal reasons. Available balances that are not affected by a dispute or breach remain yours to withdraw.