Welcome to Cikamo. These Terms and Conditions (“Terms”) govern your access to and use of the Cikamo platform, including all related services, features, content, and functionality available at https://cikamo.com (the “Platform”), operated by Cikamo Limited, a company registered in Nigeria (“Cikamo”, “we”, “us”, or “our”).

By creating an account, visiting, or using the Platform in any way, you confirm that you have read, understood, and agreed to be legally bound by these Terms, together with our Privacy Policy and any other policies referenced herein. If you do not agree with any part of these Terms, you must not access or use the Platform.

You must be at least 14 years of age to register an account or use Cikamo. By using the Platform, you represent and warrant that you meet this minimum age requirement.

1. Access to the Platform

Subject to your compliance with these Terms, Cikamo grants you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Platform for your own lawful purposes.

1.1 Availability

We strive to maintain continuous availability of the Platform, but we do not guarantee uninterrupted access. Cikamo reserves the right to modify, suspend, or discontinue the Platform (or any part of it) at any time, temporarily or permanently, with or without notice. We shall not be liable to you or any third party for any such modification, suspension, or discontinuation.

1.2 Eligibility

To use the Platform, you must:

• Be at least 14 years old;
• Have the legal capacity to enter into a binding agreement;
• Not be prohibited from using the Platform under the laws of Nigeria or any other applicable jurisdiction;
• Not have had a previous account terminated by Cikamo for violating these Terms.

1.3 Changes to Terms

We may revise these Terms at any time. When we make material changes, we will update the “Last updated” date at the top of this page and, where appropriate, notify you by email or through a notice on the Platform. Your continued use of the Platform after any change constitutes your acceptance of the revised Terms.

2. Account Registration

2.1 Creating an Account

To access certain features of the Platform, you must create an account by providing accurate, complete, and up-to-date information. You agree to update your information promptly if it changes. You may not impersonate any person or entity or use a name you are not authorised to use.

2.2 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must:

• Use a strong, unique password for your Cikamo account;
• Not share your password with any third party;
• Notify us immediately at [email protected] if you suspect any unauthorised access to your account.

Cikamo will not be liable for any loss or damage arising from unauthorised use of your account where you have failed to keep your credentials secure.

2.3 One Account Per User

Each user may maintain only one active account. Creating multiple accounts to circumvent suspensions, bans, or platform limits is strictly prohibited and may result in permanent termination of all associated accounts.

3. User Content

3.1 Your Responsibility

You are solely responsible for any text, images, videos, links, audio, data, or other material (“User Content”) that you upload, post, share, or otherwise make available on the Platform. By submitting User Content, you represent and warrant that:

• You own the content or have the necessary rights and permissions to use and share it;
• The content does not infringe the intellectual property rights, privacy rights, or any other rights of any third party;
• The content is accurate and not misleading;
• The content complies with these Terms and all applicable laws.

3.2 Licence to Cikamo

By posting User Content on the Platform, you grant Cikamo a worldwide, non-exclusive, royalty-free, sublicensable, and transferable licence to use, reproduce, distribute, display, and adapt your content for the purposes of operating, promoting, and improving the Platform. This licence lasts for as long as your content remains on the Platform. You may delete your content at any time, subject to any legal or regulatory obligations we may have to retain it.

3.3 Content Moderation

Cikamo reserves the right (but has no obligation) to review, monitor, edit, or remove User Content at our sole discretion, without notice, if we believe it violates these Terms, applicable laws, or is otherwise harmful to users or the Platform.

4. Acceptable Use Policy

By using Cikamo, you agree to use the Platform only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Platform.

4.1 Prohibited Activities

You must not, and must not attempt to:

• Upload, post, or share content that is defamatory, obscene, abusive, threatening, hateful, discriminatory, or that incites violence or illegal activity;
• Harass, bully, intimidate, or stalk other users;
• Post or distribute spam, unsolicited promotional messages, or chain letters;
• Impersonate any person, business, or entity, or falsely represent your affiliation with any person or organisation;
• Upload or transmit malware, viruses, Trojan horses, spyware, or any other malicious code that may damage, disrupt, or gain unauthorised access to any system;
• Scrape, crawl, or collect data from the Platform without our prior written consent;
• Use automated bots, scripts, or tools to interact with the Platform in a way that places an unreasonable load on our infrastructure;
• Circumvent, disable, or interfere with security-related features of the Platform, including any features that prevent or restrict copying or limit use of content;
• Attempt to gain unauthorised access to any part of the Platform, user accounts, or associated systems;
• Use the Platform to engage in any commercial activity without Cikamo’s prior written consent, except as expressly permitted by these Terms;
• Violate any applicable local, national, or international law or regulation.

4.2 Content Standards

Content on Cikamo must not include or depict:

• Nudity, sexually explicit, or pornographic material;
• Child sexual abuse material (CSAM) or any content that exploits or endangers minors;
• Graphic violence, gore, or content that glorifies self-harm or suicide;
• Content that promotes terrorism, extremism, or hate groups;
• Counterfeit products or content that facilitates fraud or financial scams.

5. Creator Payments

5.1 Eligibility for Monetisation

Cikamo offers a creator monetisation programme that allows eligible users to earn income from their content. To be considered for monetisation, your account must:

• Meet the minimum follower and engagement thresholds set by Cikamo (published separately and subject to change);
• Comply fully with these Terms and our Content Standards;
• Have been reviewed and approved by Cikamo’s creator team.

Cikamo reserves the right to accept or reject any monetisation application at its absolute discretion, without being required to provide reasons.

5.2 Earnings Calculation

Creator earnings are calculated based on a combination of factors, including but not limited to:

• Total views and impressions on your content;
• Engagement rate (likes, comments, shares, and saves);
• Content quality and category;
• Geographic distribution of your audience;
• Platform advertising revenue and other commercial arrangements.

We do not guarantee any specific level of earnings. Earnings calculations may change at any time, and Cikamo will notify approved creators of any significant changes.

5.3 Payment Terms

Approved creators will be paid in accordance with the payment schedule published on the creator dashboard. Payments are subject to:

• A minimum payout threshold (as specified on your dashboard);
• Deduction of applicable taxes or withholding requirements under Nigerian law;
• Verification of your identity and payment details before any disbursement;
• Cikamo’s right to withhold or reverse payments where we have reasonable grounds to believe your account has been involved in fraudulent activity, policy violations, or manipulation of metrics.

5.4 Suspension of Earnings

Cikamo may suspend or permanently revoke a creator’s monetisation status if they violate these Terms, engage in metric manipulation (e.g., purchasing fake views or followers), post prohibited content, or if the creator programme is modified or discontinued.

6. Marketplace

6.1 Overview

Cikamo operates a marketplace feature that allows users to list, buy, and sell digital goods, physical products, services, and other items (“Marketplace”). By using the Marketplace, you agree to these additional terms.

6.2 Seller Responsibilities

As a seller on the Cikamo Marketplace, you agree to:

• Provide accurate, complete, and non-misleading descriptions of your listings;
• Only list items you have the legal right to sell;
• Fulfil orders promptly and communicate clearly with buyers;
• Comply with all applicable laws, including consumer protection, intellectual property, and export laws;
• Not list counterfeit goods, illegal items, stolen property, or products that infringe the rights of any third party.

6.3 Buyer Responsibilities

As a buyer on the Marketplace, you agree to:

• Read product descriptions carefully before making a purchase;
• Make payment in accordance with the agreed terms;
• Not engage in fraudulent chargebacks or disputes without first attempting resolution with the seller through Cikamo’s resolution process.

6.4 Cikamo’s Role

Cikamo acts as a facilitator for Marketplace transactions. We are not a party to any transaction between buyers and sellers, and we are not responsible for the quality, safety, legality, or delivery of any goods or services listed. All contractual obligations arising from a Marketplace transaction are between the buyer and seller.

6.5 Prohibited Listings

The following items may not be listed on the Marketplace under any circumstances:

• Illegal drugs, controlled substances, or paraphernalia;
• Weapons, firearms, or ammunition;
• Counterfeit or pirated goods;
• Human organs, body parts, or bodily fluids;
• Stolen goods or property obtained through fraud;
• Sexually explicit material;
• Any other items prohibited by Nigerian law or Cikamo policy.

7. Refund Policy

7.1 Digital Products

Due to the nature of digital goods (e.g., downloadable files, software, digital art), all sales of digital products on the Marketplace are generally final and non-refundable, unless the item was materially misrepresented or is technically defective. Buyers must raise disputes within 7 days of purchase.

7.2 Physical Products

For physical goods, refund eligibility is determined by the individual seller’s stated return policy. Where no policy is specified, Cikamo encourages sellers to offer refunds or replacements for items that are:

• Significantly not as described;
• Damaged in transit (with photographic evidence);
• Never delivered within the agreed timeframe.

7.3 Raising a Dispute

If you have a dispute with a seller regarding a refund, please contact us at [email protected] with your order details. Cikamo will attempt to mediate but is under no obligation to issue refunds on behalf of sellers or to intervene in private transactions.

7.4 Subscription Fees

Any subscription fees paid to Cikamo directly (e.g., for premium accounts or creator tools) are non-refundable once the billing period has commenced, except where required by applicable law.

8. Other Users

Cikamo is a community platform. Your interactions with other users, including buying, selling, messaging, commenting, and following, are your own responsibility. Cikamo is not responsible for the conduct, content, or actions of any user, whether online or offline.

If you have a dispute with another user, you agree to attempt to resolve it directly and in good faith. Cikamo may, at its discretion, offer mediation services but is not obligated to do so.

You release Cikamo and its officers, directors, employees, and agents from any claims, demands, and damages arising out of or in connection with disputes between users.

9. Third-Party Links and Advertising

9.1 Third-Party Links

The Platform may contain links to third-party websites, applications, or services. These links are provided for convenience only. Cikamo does not endorse, control, or accept responsibility for the content, privacy practices, or terms of any third-party website. You access third-party websites at your own risk.

9.2 Advertising

Cikamo may display advertisements served by third-party ad networks, including Google AdSense. These advertisements may be targeted based on your interests, browsing behaviour, or demographic data held by the ad network. Cikamo does not control the content of third-party advertisements and is not responsible for their accuracy or legality.

By using the Platform, you acknowledge that:

• Third-party advertisers may use cookies and similar tracking technologies to deliver relevant ads;
• You may opt out of interest-based advertising through your browser settings or the relevant ad network’s opt-out mechanism;
• Cikamo receives compensation for displaying advertisements, which helps fund the free features of the Platform.

10. Verification and Points

10.1 Account Verification

Cikamo offers an account verification system to help users identify authentic individuals, brands, and organisations. Verification is awarded at Cikamo’s sole discretion and may be subject to identity checks, activity reviews, or other eligibility criteria. Verification may be removed if your account violates these Terms or if your identity information changes.

10.2 Points and Rewards

Cikamo operates a points-based reward system. Points may be earned through activities such as:

• Posting original content;
• Engaging with other users’ content (likes, comments, shares);
• Completing platform challenges or tasks;
• Referring new users to the Platform.

10.3 Points Limitations

Points have no monetary value unless Cikamo explicitly states otherwise. Points:

• Cannot be transferred to another user;
• Cannot be redeemed for cash unless a specific redemption programme is offered;
• May expire if your account is inactive for an extended period;
• May be forfeited or reversed if earned through fraudulent or prohibited activity.

Cikamo reserves the right to modify, suspend, or discontinue the points system at any time without liability.

11. Intellectual Property

11.1 Cikamo’s Intellectual Property

All intellectual property rights in the Platform and its content (excluding User Content), including but not limited to the Cikamo name, logo, design, software, code, text, graphics, and compilations, are owned by or licensed to Cikamo. Nothing in these Terms grants you any right to use Cikamo’s intellectual property without our prior written consent.

11.2 Feedback

If you submit ideas, suggestions, or feedback about the Platform (“Feedback”), you grant Cikamo a perpetual, irrevocable, royalty-free licence to use and implement that Feedback without any obligation to you.

11.3 Copyright Complaints

If you believe that your copyright has been infringed by content on the Platform, please contact us at [email protected] with the subject line “Copyright Complaint” and include:

• A description of the copyrighted work you claim has been infringed;
• The URL or location of the allegedly infringing content;
• Your contact information;
• A statement that you have a good faith belief that the use is not authorised.

12. Privacy

Your privacy matters to us. Our Privacy Policy explains how we collect, use, store, and share your personal data when you use the Platform. By using Cikamo, you consent to the collection and use of your information in accordance with the Privacy Policy.

We are committed to complying with the Nigeria Data Protection Act (NDPA) 2023 and other applicable data protection laws. Where you are located in another jurisdiction, additional legal protections may apply.

13. Disclaimers

13.1 “As Is” Basis

The Platform is provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Cikamo disclaims all warranties, including:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Any warranty that the Platform will be error-free, uninterrupted, secure, or free from viruses or other harmful components;
• Any warranty as to the accuracy, completeness, or reliability of any content on the Platform.

13.2 No Professional Advice

Nothing on the Platform constitutes financial, legal, medical, or professional advice. Users should seek independent professional advice before relying on any information published on the Platform.

14. Limitation of Liability

To the maximum extent permitted by applicable law, Cikamo and its directors, officers, employees, agents, partners, and licensors shall not be liable to you for:

• Any indirect, incidental, special, consequential, or punitive damages;
• Loss of profits, revenue, data, goodwill, or business opportunities;
• Damages arising from your use or inability to use the Platform;
• Damages arising from unauthorised access to or alteration of your content or data;
• Conduct of any third party on the Platform, including other users.

Where liability cannot be fully excluded, Cikamo’s total aggregate liability to you for any claim arising out of or relating to these Terms or your use of the Platform shall not exceed the greater of: (a) the total fees paid by you to Cikamo in the three months immediately preceding the event giving rise to the claim, or (b) ₦5,000 (Five Thousand Naira).

15. Dispute Resolution

15.1 Informal Resolution

If you have a dispute with Cikamo, we encourage you to contact us first at [email protected] so we can attempt to resolve the matter informally. We will try to respond to your complaint within 14 business days.

15.2 Arbitration

If informal resolution is unsuccessful, you and Cikamo agree that any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be finally resolved by binding arbitration in accordance with the Arbitration and Mediation Act, 2023 (Nigeria). The seat of arbitration shall be Lagos, Nigeria. The language of the arbitration shall be English.

15.3 No Class Actions

To the extent permitted by law, you waive any right to participate in a class action lawsuit or class-wide arbitration against Cikamo.

16. Termination

16.1 Termination by Cikamo

We reserve the right to suspend or permanently terminate your account and access to the Platform, at our sole discretion, without prior notice or liability, if we reasonably believe that you have:

• Violated any provision of these Terms;
• Engaged in fraudulent, abusive, or illegal activity;
• Caused harm to other users or to the Platform;
• Provided false registration information.

16.2 Termination by You

You may terminate your account at any time by following the account deletion process in your settings or by contacting us at [email protected]. Termination does not entitle you to a refund of any fees or earnings already incurred or withheld.

16.3 Effect of Termination

Upon termination, your licence to use the Platform ceases immediately. Provisions of these Terms that by their nature should survive termination (including intellectual property rights, disclaimers, limitation of liability, and dispute resolution) will continue to apply.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles. Any disputes not resolved through arbitration shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and Cikamo with respect to your use of the Platform and supersede all prior agreements and understandings.

18.2 Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

18.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be considered a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of Cikamo.

18.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. Cikamo may freely assign these Terms in connection with a merger, acquisition, or sale of assets, or by operation of law.

18.5 Force Majeure

Cikamo shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including natural disasters, pandemics, government actions, internet outages, or infrastructure failures.

18.6 Language

These Terms are written in English. In the event of any conflict between a translated version and the English version, the English version shall prevail.