Xonbay Terms of Service

These Terms govern Xonbay’s marketplace at www.xonbay.com, Xonbay Business at business.xonbay.com, Xonbay-hosted storefronts and related account, checkout and communication services. Xonbay is a product of Dimarak Limited. Dimarak Limited is the operator and contracting party for these services. Xonbay operates from Achimota, Accra, Ghana. References to “we”, “us” and “our” mean Dimarak Limited in its operation of Xonbay; “you” means the person using the service or the business they are authorised to represent.

By creating an account, using a Business workspace, publishing a storefront or placing an order, you agree to these Terms. Our Privacy Policy explains how we handle personal information.

Learn about Dimarak Limited at www.dimarak.com. For matters relating to Xonbay, use the Xonbay contact details in this document.

The marketplace helps buyers discover listings and connect with sellers. Xonbay Business is a workspace for products and inventory, in-house sales records, orders, finance records, files, team access, projects, events, collections, customer conversations, newsletters and Creative Studio content. Features and usage limits depend on the selected plan and their availability in your account.

A shop is a business workspace. Its customer-facing storefront is optional: creating a shop does not require publishing it or accepting online payments. Publishing makes the selected storefront information available to visitors. Unless a listing expressly identifies Xonbay as the seller, the merchant is the seller and is responsible for its products, descriptions, prices, stock, fulfilment, warranties and customer service.

• You must be at least 18 and legally able to enter into an agreement to create an account, place orders or operate a business through Xonbay.
• Use accurate account and business details and keep them current. A business representative must have authority to act for the business.
• Keep passwords, verification codes and devices secure. Tell us promptly if you suspect unauthorised access.
• Business owners manage team invitations, roles and permissions and must remove access when it is no longer authorised.
• You are responsible for the instructions and activity you authorise through your account. Never share another person’s credentials or impersonate a buyer, seller or team member.

• Offer only lawful products and services that you are entitled to sell; maintain required licences, permissions and tax records.
• Describe products, variants, stock, delivery coverage and prices accurately. Do not use counterfeit goods, fake reviews or misleading claims.
• Explain fulfilment times, cancellation conditions, return eligibility and applicable warranties before the buyer commits to an order.
• Fulfil accepted orders and handle complaints, refunds and warranties in accordance with the disclosed terms and applicable law.
• Use buyer and staff information only for legitimate business purposes and protect it from unauthorised access.
• Obtain any required consent before sending promotional messages or newsletters. A previous purchase does not by itself give permission for unrelated marketing.

Review the listing, seller identity, total price, delivery or pickup arrangements and seller policies before submitting an order. Provide accurate contact and delivery details. Availability may require confirmation by the seller; a listing alone is not a guarantee of stock. Do not place fraudulent orders, misuse refunds or abuse sellers and support staff.

Use the amount, currency and charges shown in the payment flow before approving payment. Online payments use the enabled payment provider, including Paystack where offered. A payment reference or pending status is not proof that payment has succeeded; confirmation is recorded after the provider verifies the transaction. Never send your mobile-money PIN, card PIN, banking password or verification code to a seller or through a support message.

Your Business operating currency is used for workspace prices and records. Selecting a country or recording an amount in naira or another currency does not enable payment collection in that country, convert money, or create a Ghana-cedi wallet credit. Online collection and wallet settlement are available only where supported by the current payment flow. Ghana-cedi payment and settlement flows remain separate from records kept in another operating currency.

In-house sales and finance entries record payments that you handle outside Xonbay, such as cash or a separate transfer. They do not charge the customer or move funds. Business subscription charges use the currency displayed at purchase, which may differ from your operating currency.

Wallet amounts, pending funds, deductions and withdrawal availability depend on verified transactions and the displayed settlement status. A recorded sale is not a withdrawable balance. Payment disputes, refunds, fraud checks and legal requirements may affect release of funds. Xonbay’s transaction-hold features are not a general bank account, deposit product or promise of investment returns.

Delivery may be arranged by the seller, collected by the buyer, or provided through Xonbay Express where offered at checkout. Coverage, fees and estimates depend on the selected option. Use the order details to see who is handling fulfilment; estimated dates are not an unconditional delivery guarantee.

For a cancellation, return, missing item, damaged item or refund, contact the seller through the order or conversation and include the order reference. You may also contact Xonbay for help with the platform or payment status. A seller policy cannot remove rights required by applicable law. Refund eligibility depends on the transaction, seller obligations and applicable rights; this page does not promise refunds for every purchase.

Approved refunds are processed through the supported payment process where applicable. The payment provider and bank or mobile-money network control completion times. Event tickets, digital content and services may have specific cancellation conditions disclosed before purchase.

Xonbay Business offers Free, Grow, Pro and Scale plans. Current prices, billing periods, feature limits and available upgrades are shown on the Business pricing page and in your account. Review the amount and billing period before paying.

A paid plan is activated after payment is verified for the selected billing period. Check the renewal date in your account and renew through the available billing flow. If a paid period expires, the account enters the displayed grace period and then returns to Free entitlements if payment is not completed. Plan limits can restrict new actions or paid features. A downgrade does not make an outstanding charge disappear.

A plan purchase does not promise unlimited storage, team members or features beyond the plan shown to you. Contact Xonbay about duplicate charges, payment errors or refund requests; rights required by law continue to apply. Any future price change applies to future purchases or renewals and is shown before payment. Subscription expiry is separate from closing the account or requesting deletion of its data.

You retain rights you hold in the products, files, designs, recordings and other content you submit. You give Xonbay permission to store, process, resize, render, transmit and display that content to provide the features you use. Public listings, published storefronts, shared files and content you send to recipients are disclosed according to those actions; private workspace content is not made public merely because you create a shop.

You must have permission to use uploaded photographs, designs, logos, music, voices and other materials and to publish or distribute the resulting content. Templates and supplied assets remain subject to their applicable usage rights. Do not assume an asset is cleared for every commercial use. Check automated or assisted output for accuracy, permissions and suitability before using it; it is not legal, accounting or other professional advice.

Team permissions, shared links and newsletter recipients affect who can access information. Check access and recipients before sharing and do not include confidential credentials or unnecessary sensitive personal information. Keep copies of business records and important exported content that you need independently of the service.

Xonbay Business can be connected to ChatGPT to manage the shop you select through the tools available to your account. You must own that shop or have authority to act for it, approve the requested permissions and comply with your current role and plan limits. A connection does not grant access to other shops or permissions you have not approved. You may disconnect the app in ChatGPT or contact Xonbay to request revocation of a connection.

Your requests can cause changes to business records. Supported tools can create or edit simple products, change prices or stock, advance an order through permitted fulfilment events, create or change storefront drafts and draft pages, create editable Studio video drafts, upload chosen attachments and create, rename or move Library files and custom folders. Check the selected shop, record, requested change and returned result. Product and order tools can update operational records; they are not limited to draft changes. Some fulfilment actions can trigger the usual order notifications.

Storefront settings and pages created through the integration remain drafts or unpublished until you publish through the supported Xonbay editor. Studio tools save editable drafts; creating a draft does not mean a video has been exported or published. The plugin does not place purchases, collect payments, issue refunds, make wallet withdrawals or transfer money. Use the relevant supported dashboard or payment process for those actions.

Upload only files and creative materials you are entitled to use and information you are authorised to share with ChatGPT and Xonbay. Attachment uploads are subject to the displayed file-size cap, storage quota and plan limits. The integration does not provide arbitrary website imports, document-content search, file deletion or restoration, or public file sharing. System folders and files managed by a product or other source may restrict changes. Use the appropriate Xonbay manager for actions outside the plugin’s tools.

ChatGPT is provided by OpenAI and is subject to OpenAI’s applicable terms and policies. Its responses can be incomplete or inaccurate. Review descriptions, prices, stock, order changes, analytics, generated content and drafts before relying on or distributing them. Neither a request nor an assistant’s statement is proof of payment, fulfilment, publication or completion; check the actual returned result and your Xonbay records. Our Privacy Policy explains the information exchanged through the integration and how to request disconnection or deletion.

Connection access and available tools may change with your permissions, plan, security status or service availability. Revocation stops future authorised requests through that connection; it does not reverse actions already completed, remove records that must be retained, or delete copies of information previously shared with ChatGPT.

• Fraud, phishing, impersonation, unauthorised access or attempts to bypass account, payment or plan controls.
• Illegal, stolen, counterfeit, unsafe or infringing listings and content.
• Malware, disruptive scraping, security attacks or unsolicited bulk messaging.
• Harassment, threats, hateful conduct or manipulation of reviews, orders, referrals or analytics.
• Collecting or using personal information without authority or using customer contact details for unlawful marketing.

We may restrict content, transactions or access when reasonably necessary to address fraud, security threats, unlawful activity, unpaid charges or serious or repeated violations of these Terms. We may act immediately where delay would create harm or breach a legal obligation. Where appropriate, we explain the action and you may contact Xonbay to request a review.

You can stop using the service and contact us to request account closure or data deletion. Closing a workspace does not cancel obligations relating to existing orders, outstanding payments or legally required records. Export or retain records you need before closure; other parties may retain copies of information already lawfully shared with them.

We work to operate the service reliably, but access, integrations and features may be interrupted or changed. We do not guarantee a merchant’s performance, the accuracy of every listing, sales results, delivery times or uninterrupted availability. Business records and analytics depend on the information entered and recorded; you remain responsible for checking records, taxes and business decisions.

Each party remains responsible for its obligations and for losses for which it is liable under applicable law. Nothing in these Terms excludes liability that cannot lawfully be excluded, limits mandatory consumer rights, or prevents a lawful complaint to a regulator or court.

These Terms are governed by Ghanaian law, subject to mandatory protections that apply to you. Contact Xonbay with the relevant order or account details so we can try to resolve a dispute. If it is not resolved, you may use the competent courts or an applicable statutory complaint process. These Terms do not require you to waive access to those processes.

We may update these Terms as the service or legal requirements change. The version and dates on this page identify the current text. Material changes will be communicated through the service or another appropriate channel; they do not retrospectively change completed transactions or remove accrued rights.