Terms of Service

These Terms of Service ("Terms") are an agreement between you and Mahhfaz ICT Hub, a business name registered with the Corporate Affairs Commission (BN9612441), of No 17 Kasuwan Yelwa Street, Palace Way, Jalingo, Taraba State, Nigeria, trading as OpenStall ("OpenStall", "we", "us"). They apply when you browse, shop, sell or otherwise use openstall.ng.

By creating an account, or by placing an order as a guest, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use OpenStall.

OpenStall is a marketplace platform that lets independent businesses ("vendors") run online stores and take payments from customers. Vendors, not OpenStall, sell the products and services listed. The contract for each sale is between the customer and the vendor. We provide the storefront, checkout, payment routing and notifications.

• You must be at least 18 years old and able to enter a binding contract.
• Give accurate information and keep it up to date.
• Keep your password safe. You are responsible for activity on your account; tell us at once if you suspect unauthorised use.
• One person or business may not use multiple accounts to abuse promotions or the referral programme.

If you open a store, you agree to:

• sell only goods and services you are legally allowed to sell, and hold any licence or registration your business needs (for example NAFDAC for regulated food, drugs and cosmetics);
• describe products, prices, stock and delivery fees accurately, and honour the prices shown at checkout;
• fulfil paid orders promptly, keep customers informed, and deliver what was ordered;
• handle returns, refunds and complaints fairly and in line with the Federal Competition and Consumer Protection Act 2018;
• use customer details only to fulfil their orders, keep them secure, and comply with the Nigeria Data Protection Act 2023;
• provide correct settlement bank details. Payouts to a wrong account you supplied are your responsibility;
• handle your own taxes on your sales (including any VAT you must charge), and keep your own business registrations and records;
• reply to buyer protection cases within 48 hours and carry out OpenStall's decisions on them (see section 8).

We may verify vendors, and we may hide listings or suspend stores that break these Terms.

Vendors choose one plan:

• Commission: no monthly fee; OpenStall keeps 5% of each order's item subtotal (after discounts).
• Subscription: ₦5,000 per month, billed through Paystack, plus 1.5% of each order's item subtotal.

Fees are deducted automatically when the payment is split. All OpenStall fees include Value Added Tax (VAT) at the applicable rate (currently 7.5%); nothing is added on top. Subscriptions renew monthly until cancelled; cancelling stops future charges but payments already made are not refunded. We will give at least 30 days' notice of any fee increase.

Customer payments are processed by Paystack (cards) and Monnify (bank transfer to a one-time account). Each payment is split at source: the vendor's share settles directly to the vendor's own Paystack or Monnify subaccount and OpenStall receives only its fee. OpenStall does not hold customer funds. Settlement timing follows each processor's schedule (Paystack: usually the next working day; Monnify: usually the same day).

Payments may appear on bank or card statements under the name of our registered business, Mahhfaz ICT Hub. Card details are entered on Paystack's secure checkout and are never stored by OpenStall. From 6 October 2026 buyers pay exactly the order total by bank transfer; the transfer processor's charge (Monnify) is deducted from the vendor's share and shown on the vendor's Payments screen. The transfer account is valid for a limited time and a transfer of less than the amount due does not confirm the order.

Payment links. Vendors can send a buyer a link (openstall.ng/pay/…) for chosen products or an agreed amount. Paying through a link is an ordinary OpenStall order: the same split, fees, receipts and buyer protection apply. Product prices are taken from the store at the moment of payment; a vendor must not use a link to charge more than was agreed with the buyer.

• An order is confirmed once payment succeeds. You will receive a receipt by email and/or WhatsApp.
• For delivery orders, please confirm receipt in the app when your order arrives.
• If a vendor cancels a paid order, or cannot deliver it, the vendor must refund you. Refunds are made by the vendor, or through Paystack or Monnify, to the original payment method or account.

Nothing in these Terms limits your rights as a consumer under Nigerian law.

If something is wrong with a paid order, you can report it from your order page:

• until 7 days after the order was delivered (or you confirmed receipt), or until 14 days after payment or cancellation if it was never delivered;
• with a short description and up to 3 photos. One report per order.

What happens next:

• The vendor has 48 hours to reply with a fix: a replacement, a refund, or an explanation.
• If you accept the fix, the case is closed. If you don't, or the vendor doesn't reply in time, the case goes to OpenStall.
• We review the order, the messages and any photos from both sides, and decide in favour of the buyer or the vendor. We may ask either side for more information.
• OpenStall never holds or moves your money. A refund decided in your favour is paid by the vendor; the vendor must carry it out and share proof in the case.

Consequences for vendors. Complaints upheld against a vendor within 90 days lead to: 2 — a formal warning; 3 — the Verified badge is paused; 5 — the store is suspended. Each vendor's record of replying within 48 hours is shown on their store. A vendor may ask us to review a penalty by emailing admin@mahhfaz.com.ng; if we lift it, what it removed is restored.

• Products you add from photos or import from Instagram or TikTok arrive as drafts. Drafts are not visible to buyers until you check them and publish; you are responsible for the name, price, category and description of everything you publish, including details we fill in from a caption.
• Connecting Instagram is optional and works with Business or Creator accounts. We read your posts and captions only when you open the import screen or import posts, and we never post, comment or send messages on your account. Instagram's own terms also apply to your account.
• You can disconnect Instagram at any time on the import screen, or by removing OpenStall in Instagram's settings; we then delete the access we held.
• Connecting TikTok works the same way: optional, read-only (your public videos only, when you import), never posting. TikTok gives one picture per video (its cover). A TikTok video you choose can be shown on a product page through TikTok's own player; TikTok's terms apply to that player.
• Only import posts whose photos and text you have the right to use (see section 13).

We send account and order messages by WhatsApp, SMS and email: for example a welcome message when you open a store, receipts, order updates, payout alerts and security codes. These are part of the service. Vendors may also receive announcements about OpenStall; every announcement has an unsubscribe link. We do not send marketing messages to shoppers.

• Any account holder can share a referral link. When a vendor you referred qualifies — by generating ₦2,000 in platform commission, or making their first ₦5,000 subscription payment — you earn a one-time ₦500 bonus.
• Bonuses are paid by bank transfer to the account details you give us, subject to daily limits and review.
• Self-referrals, fake accounts and other abuse are not allowed. We may withhold or reverse bonuses obtained this way and may change or end the programme with notice. Bonuses already earned will be honoured.

You may not use OpenStall to sell, promote or do any of the following:

• illegal drugs, weapons, ammunition or explosives; stolen, counterfeit or pirated goods;
• prescription medicines or regulated products without the required approvals;
• adult content, gambling, or anything that exploits children;
• financial schemes, investments or "doubling" offers;
• fraud, phishing, spam, or misleading listings, reviews or prices;
• interfering with the platform, probing for vulnerabilities without permission, or scraping personal data.

You keep ownership of the product photos, descriptions, reviews and other content you post. You give OpenStall a non-exclusive, royalty-free licence to host, display and share that content to run and promote your store and the platform. You confirm you have the rights to post it and that it does not infringe anyone else's rights.

You can stop using OpenStall at any time and ask us to close your account by emailing admin@mahhfaz.com.ng. We may suspend or close an account, remove listings or withhold referral bonuses if you break these Terms, under the buyer protection rules in section 8, if required by law, or to protect users. Where reasonable we will tell you why and give you a chance to respond. Orders already paid must still be fulfilled or refunded.

We work to keep OpenStall available and secure, but the service is provided "as is". We do not guarantee uninterrupted service or that WhatsApp, SMS or email messages will always be delivered.

Because vendors sell directly to customers, we are not responsible for the quality, safety, legality or delivery of items sold. To the extent the law allows, our total liability to you for any claim relating to OpenStall is limited to the fees you paid us in the three months before the claim (or ₦10,000 if greater), and we are not liable for indirect or consequential losses. Nothing here excludes liability that cannot be excluded under Nigerian law.

These Terms are governed by the laws of the Federal Republic of Nigeria. We will try to resolve any dispute with you informally first; please email admin@mahhfaz.com.ng. If it cannot be resolved within 30 days, either party may refer it to mediation, or to the courts of Nigeria.

We may update these Terms. We will post the new version here with a new effective date and, for material changes, notify you by email or in the app at least 14 days before they take effect. Continuing to use OpenStall after that means you accept the updated Terms.