Terms of Service

• “Service” the Ozapp website, mobile applications, and related services that allow you to request products from U.S. retailers, pay in your local currency or USD, and have those products delivered to a destination in our serviced markets.
• “Item Reference Price” the price of a product in U.S. dollars that we display to you at the time you place your order, on which percentage-based fees are calculated. It may differ from a retailer’s list price or a temporary sale price at the moment of purchase (see Section 8).
• “Retailer” any third-party merchant in the United States from which we source products on your behalf, whether listed in our catalog or identified by a link you submit.
• “Order” a request you submit through the Service for us to purchase one or more products on your behalf, together with the associated fees and delivery instructions.
• “Mobile Money” mobile-wallet payment services such as MTN MoMo, Telecel Cash and AirtelTigo Money in Ghana, and OPay and PalmPay in Nigeria.
• “Serviced Market(s)” the countries in which Ozapp delivers, beginning with Ghana, and expanding to additional markets as announced on the Service.

For every Order, Ozapp acts as the buyer-of-record. This means:

• We purchase the product from the Retailer in our own name and using our own payment instruments. You do not contract directly with the Retailer.
• You authorize and instruct us to make that purchase on your behalf and for your benefit. We act as your limited purchasing agent solely to acquire, and arrange transport of, the products you request.
• We may communicate with Retailers about your Order and make reasonable substitutions needed to complete a transaction, and we may consolidate shipments where operationally appropriate. The Retailer’s purchase contract is between Ozapp and the Retailer. Any rights against the Retailer (for example, manufacturer warranties or retailer return windows) are described in Sections 19 and 20. Nothing in this model makes Ozapp the manufacturer of any product.

• You must be at least 18 years old and able to form a binding contract.
• You must provide accurate, current, and complete registration information and keep it up to date.
• One identity, one account. Each person may hold a single Ozapp account. Operating multiple accounts, or registering accounts in another person’s name without authority, is prohibited and may result in suspension and forfeiture of pending Orders.
• You are responsible for safeguarding your credentials, your device security, and all activity under your account. Notify us immediately of any unauthorized use.
• Phone-number limit. An account may register no more than five (5) distinct phone numbers in any rolling 12-month period.

Ozapp operates a risk-based compliance program. As a condition of using the Service, you agree to identity verification (KYC) and, where you transact as or on behalf of a business, business verification (KYB). We use a third-party verification provider to screen identity, sanctions, and fraud indicators. Depending on your activity, we may request government identification, proof of address, source- of-funds information, and supporting documentation. Indicative thresholds are:

• Enhanced information may be requested at cumulative activity of US$5,000;
• Additional documentation may be requested at US$10,000;
• Enhanced due diligence may apply at US$25,000 and above. We may decline, delay, hold, freeze, or unwind any Order; request further information; or suspend an account where required to meet legal, sanctions, anti-money-laundering, or fraud- prevention obligations, and we may report activity to authorities where the law requires. We are not liable to you for actions taken in good faith to comply with the law.

7.1 Ordering from the Ozapp catalog You browse products listed on Ozapp, add them to your cart, choose a shipping method and delivery address, and pay. On confirmed payment, we source and purchase the product on your behalf.

7.2 Ordering by submitting a product link If a product or Retailer is not listed on Ozapp, you may submit a link to the product. We screen the link and, if it passes our compliance checks, we quote the total cost, you pay, and we purchase the product on your behalf in the same way as a catalog Order.

7.3 Quotes, availability and acceptance A price quote or cart total is an invitation to order, not a binding contract, until we confirm the Order after payment. Products are subject to Retailer availability, price changes, and stock at the moment we attempt the purchase. If a product becomes unavailable or its price changes materially after you pay, Section 18 applies.

Product images, descriptions, specifications, and availability are supplied by Retailers and other third parties. We do not manufacture these products and do not warrant that third-party descriptions are accurate, complete, or current. Percentage-based fees are calculated on the Item Reference Price — the USD price we display at the time you order. A Retailer may charge a different amount (higher or lower, including temporary sale prices) at the moment we complete the purchase. The Item Reference Price governs your fee calculation; the actual amount we pay the Retailer for the product is passed through to you, except where Section 18 (price changes) applies. Promotional events. During Black Friday and other major promotional events designated by Ozapp, percentage-based shipping fees are calculated on the retailer’s original listed price before the promotional discount, rather than the discounted price. The product cost you pay remains the actual discounted amount charged by the Retailer. The designation of promotional events is published on the Service. Category and repricing. Your product’s pricing category is assigned by Ozapp from the retailer’s own product taxonomy and verified on arrival at our U.S. warehouse. If an item was misclassified at the time of your order, we may reprice it at the correct category before international dispatch and will notify you of any difference before proceeding.

8.1 Voltage and Electrical Compatibility — Important Electrical products sold in the United States are not always compatible with the electricity supply in Ghana or Nigeria. Please read this before ordering any electrical or electronic item.

• United States supply: mains electricity is supplied at approximately 100–120 volts.
• Ghana and Nigeria supply: mains electricity is supplied at approximately 220–240 volts. Many modern products — for example, most laptops, phone chargers, cameras, and other consumer electronics — are dual-voltage and are rated “100–240V”. These generally work in Ghana and Nigeria with a suitable plug adapter. Single-voltage products will not work. A product rated only 100–120V is a single-voltage product. It will not function on a 220–240V supply without a step-up or step-down transformer of the correct rating, and connecting it directly to mains power in Ghana or Nigeria may damage the product, void its manufacturer warranty, or create a fire or electrical-safety hazard. You can usually find the voltage rating printed on the product itself, on its power adapter, or on the rating label or specification section of the retailer’s product page. Items commonly sold as single-voltage in the United States include many kitchen and home appliances, hair-styling tools, vacuum cleaners, power tools, and similar motorised or heating products. Your responsibility. Ozapp purchases the specific product you request. It is your responsibility to check the voltage rating of an electrical item before you order it, and to obtain any transformer or adapter required to use it safely. We do not modify, convert, or re-rate products, and we do not supply transformers unless you order one as a separate item. This is not a returnable fault. A product that is correctly supplied as ordered but is incompatible with your local voltage is not a damaged item, a defective item, or a wrong item delivered. Under our Return & Refund Policy, voltage incompatibility is not a ground for return, refund, or replacement. Where we identify a likely voltage issue before purchase we will try to flag it to you, but we cannot guarantee to detect every case, and the responsibility to check remains yours.

Your total payable for an Order is the product cost plus the charges below. All charges are quoted and itemized at checkout before you pay. The current schedule is: Charge How it is calculated Notes Service Fee 25% of the Item Reference Price, reduced by Applies to every order cart value: 23% at US$5,000+, 20% at US$10,000+, 15% at US$20,000+ FX Margin Mobile Money (Paystack route): 10% above Embedded in the displayed the live reference rate. Local GHS/NGN debit Ozapp Rate or credit cards: 0% (live rate). USD payments: no conversion, no margin Air Premium 100% of the Category Rate: product category ~5-10 business days multiplier x 40% of the Item Reference Price (45% outside Accra / Lagos / Abuja) Air Standard 90% of the Category Rate: product category ~10-15 business days multiplier x 40% of the Item Reference Price (45% outside Accra / Lagos / Abuja) Sea Freight 60% of the Category Rate: product category ~6-8 weeks multiplier x 40% of the Item Reference Price (45% outside Accra / Lagos / Abuja). Not available for Phones or Laptops Order minimums US$200 minimum order value for air; US$150 Orders below are blocked at for sea cart Per-item minimums Each item’s shipping fee is no less than US$10 Covers fixed per-package (air) or US$5 (sea) handling

• Product cost. The amount actually charged by the Retailer for the product, including any U.S. sales tax the Retailer applies, passed through to you.
• Service Fee. Our charge for sourcing, purchasing, handling, consolidating and managing your Order, as a percentage of the Item Reference Price.
• Shipping charges. All air and sea shipping fees cover: (1) international freight from the U.S. to Ghana or Nigeria; (2) customs and duty clearance, with all import documentation handled by Ozapp; (3) last-mile delivery to the recipient’s door; and (4) temporary storage at the U.S. warehouse before shipment and the Africa warehouse after clearance. Charges are calculated by destination and method as shown above, subject to the stated minimum per shipment.
• FX Margin. A margin applied on top of the reference exchange rate when you pay in GHS or NGN (see Section 10). It is not a percentage of the product price and is separate from the Service Fee and shipping charges. USD payments are not subject to it. Where applicable, payment-processing fees and optional shipment insurance are itemized separately at checkout. Shipping fees are value-based: they are calculated from the Item Reference Price and the product category, never from weight or dimensions. Weight and dimensions are recorded at our U.S. warehouse for logistics purposes only and do not change your price. Each product displays a shipping-mode designation on its product card: items in Sea recommended categories carry a Sea recommended badge; items in Sea-only categories (including furniture, gym and fitness equipment, and mattresses) ship by sea freight only, with air available solely through a custom quotation; Phones and Laptops are air-only and cannot be shipped by sea. Items with any dimension exceeding 48 inches require a custom quotation and are identified before purchase. The published Fee Schedule (rate card) on the Service sets the current category rates and is incorporated into these Terms by reference; we may update it from time to time as a versioned price-book update.

• Accepted methods include Mobile Money, local GHS/NGN debit cards, USD credit or debit cards, and other approved methods, processed by our third-party payment partners.
• Payment is due in full before we purchase your product. We may delay fulfillment pending payment verification, request additional verification, reject payments, or cancel transactions.
• By paying, you authorize us and our payment partners to charge the full Order total, and you confirm you are authorized to use the payment instrument.
• You agree not to initiate a chargeback or payment dispute for an Order you placed without first contacting us to resolve the issue. Improper chargebacks may result in account suspension and recovery of amounts owed.
• We issue a receipt itemizing product cost and our charges. You are responsible for any fees your bank or wallet provider charges you.

To manage risk, fraud, and regulatory exposure, we apply limits that may include:

• A cap on high-value items per month (currently up to 10 high-value items), unless you are a registered business with verifiable documentation;
• An aggregate purchase limit of US$25,000 per individual account, and US$50,000 per verified business account, in any rolling 30-day period; amounts above these limits require Enhanced Due Diligence before further purchases are processed;
• A cap of US$25,000 per single transaction (cart), applied independently of the rolling 30-day limit; and the phone-number and single-account controls in Section 5. We may adjust these limits, apply lower limits to new or unverified accounts, or require additional verification to raise them. Orders exceeding an applicable limit may be declined or held pending review.

You may not use the Service to acquire any item that is illegal to purchase, export from the United States, or import into the destination country, or that is otherwise prohibited or restricted, including without limitation:

• Weapons, firearms, ammunition, explosives, and their parts;
• Controlled substances, narcotics, prescription or restricted medical products without authorization, and regulated chemicals;
• Items subject to U.S. export controls or sanctions, or destined for sanctioned parties or jurisdictions;
• Counterfeit, stolen, or infringing goods;
• Hazardous materials, live animals, and other items restricted by carriers or customs;
• Any item we are required by law, by our partners, or by our policies to refuse. Every Order — including every product link you submit — is screened before purchase against prohibited-goods, sanctions, and export-control lists. We may inspect packages where legally permitted. Prohibited items may be refused, returned, surrendered, destroyed, or reported to authorities, and no refund is guaranteed for them. If an Order fails screening before purchase, we will decline it and refund the amounts you paid for that item under Section 19. Our Acceptable Use Policy sets out these categories in fuller detail.

Each time you place an Order or submit a link, you represent and warrant that:

• The product is legal for you to buy, for us to export from the United States, and to import into the destination country;
• The product is not counterfeit, stolen, or infringing of any third party’s rights;
• You are buying for personal, household, or legitimate business use, and not for resale in breach of any law or Retailer term;
• The information you provide — including identity, recipient, and delivery details — is true, accurate, and complete;
• You are not subject to sanctions and are not acting for any sanctioned person;
• For any electrical or electronic item, you have checked its voltage rating and understand the voltage guidance in Section 8.1. You are solely responsible for the legality of the products you ask us to acquire. These warranties support, and do not replace, our compliance controls in Sections 6, 12, and 13.

• You may request cancellation before we place the Retailer order. Once we have purchased your product, there is no change-of-mind cancellation; the claim grounds in Section 19 and our Return & Refund Policy apply instead.
• Price changes. If, when we attempt the purchase, the Retailer price is materially higher than the Item Reference Price, we may contact you to approve the difference, hold the Order, or cancel and refund the affected item. If the price is lower, you benefit from the lower product cost.
• Unavailability. If a product is out of stock or cannot be purchased, we will refund the amounts paid for that item or, with your agreement, substitute or backorder it.
• Compliance failure. If an Order fails screening under Section 13, we will decline and refund per Section 19.

Refunds and returns are governed by our Return & Refund Policy, incorporated by reference. Voltage incompatibility is not a returnable fault (see Section 8.1). In summary: No change-of-mind returns. We do not accept returns for change of mind, preference, or similar reasons at any stage — whether your item is still in the United States or has arrived in Ghana or Nigeria.

• Claims are accepted in three situations only: the item arrives damaged, the wrong item is delivered, or the item is lost in transit.
• A damaged item, or an item lost in transit, is refunded — as Ozapp e-wallet credit for the full value, or to your original payment source less the refund transaction fees.
• A wrong item is corrected: we collect the incorrect item and deliver the right one at no extra cost to you. No refund is given in a wrong-item case; the remedy is correction.
• Amounts paid for an item we did not purchase (unavailability, declined compliance screening, or pre-purchase cancellation) are refundable, subject to any non-refundable Service Fee component disclosed at checkout.
• Claims window. Claims for loss, damage, shortage, or items not as ordered must be submitted to us within seven (7) calendar days of delivery (or, for non-delivery, within seven (7) calendar days of the estimated delivery date), in line with our Return & Refund Policy. Claims outside this window may be declined except where a longer period is required by law.
• Refunds of local-currency payments are made in your original currency; because exchange rates move, the refunded local-currency amount may differ from what you originally paid, and the FX Margin on a completed conversion may not be recoverable.

27.1 Informal resolution first Before commencing any legal proceeding, you agree to give us written notice describing the dispute and to allow thirty (30) days for good-faith resolution discussions.

27.2 Governing law and forum Subject to your non-excludable rights under applicable consumer-protection law:

27.3 Class action waiver To the extent permitted by law, you agree to resolve disputes with Ozapp individually and waive any right to participate in a class, collective, or representative proceeding. This waiver does not apply where it is unenforceable under the law of your country of residence.

• For customers in Ghana, these Terms are governed by the laws of Ghana, and disputes are subject to the courts of Ghana.
• For customers in Nigeria, these Terms are governed by the laws of Nigeria, and disputes are subject to the courts of Nigeria.
• For disputes arising from U.S. operations, the laws of the State of New Jersey, United States, apply.

• Entire agreement. These Terms, together with the Fee Schedule, Return & Refund Policy, Shipping Policy, Acceptable Use Policy, and Privacy Policy, are the entire agreement between you and Ozapp regarding the Service.
• Order of precedence. Where a conflict arises between these Terms and any incorporated policy, these Terms prevail unless the law requires otherwise.
• Severability. If any provision is found unenforceable, the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign your rights without our consent. We may assign these Terms in connection with a merger, acquisition, or reorganization.
• Force majeure. We are not liable for delay or failure caused by events beyond our reasonable control, including natural disasters, pandemics, government action, strikes, war, civil unrest, carrier or customs disruption, and payment-network or telecommunications failures.
• Intellectual property. All Ozapp content — including trademarks, logos, software, designs, text, and images — remains the property of Ozapp or its licensors. No rights are granted except as expressly stated.
• Notices. We may give notice through the Service, by email, or by the contact details you provide.