Terms of Service

By creating a Duka store, you enter into this agreement with StiltTech. If you're accepting on behalf of a business, you confirm you're authorised to do so.

You must be at least 18 years old and able to form a binding contract. You're responsible for keeping your account credentials secure and for all activity under your account, including staff accounts you create.

You own the catalogue, sales, and customer data you put into your store. You grant us a licence to host and process it solely to run the service for you. You're responsible for having a lawful basis to collect and use your own customers' data — see the Privacy Policy for how the controller/processor split works.

New stores get a 14-day free trial, no card required. After that, continued use of paid features requires an active subscription, billed in Naira through your chosen payment processor. You can cancel at any time; access continues until the end of your current billing period, and we don't provide partial refunds for unused time except where the law requires it.

Orders placed on your storefront or POS are processed by Paystack, Flutterwave, or Opay, whichever you enable — each a licensed payment processor with its own terms. We never store full card or bank account details; that data goes directly to the processor.

• Use the service only for lawful business purposes.
• Don't sell illegal goods or use Duka to commit fraud.
• Don't infringe anyone else's intellectual property.
• Don't attempt to disrupt, probe, or gain unauthorised access to the service or other tenants' data.
• Don't resell or sublicense access to the platform without our written agreement.

We may suspend or terminate your access if you breach these terms, don't pay fees when due, or if we're required to by law — with notice where practical. You can close your account at any time. After closure, your data is handled per the retention terms in the Privacy Policy.

We provide the service "as is" and work hard to keep it reliable, but we don't guarantee uninterrupted availability. We may add, change, or remove features as the product evolves.

To the maximum extent permitted by Nigerian law, we're not liable for indirect, incidental, or consequential damages arising from your use of the service. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim arose.

You agree to indemnify us against claims arising from your use of the service, your data, or your breach of these terms — including claims brought by your own customers.

We may update these terms as the product evolves. If a change is material, we'll update the effective date above and notify you by email or an in-app notice before it takes effect.

These terms are governed by the laws of the Federal Republic of Nigeria, and any dispute is subject to the exclusive jurisdiction of the courts of Nigeria.

Questions about these terms: email privacy@duka.stilttech.com.