Terms and Conditions

1. Platform role and scope

CartFlow provides software for collaborative shopping, checkout links, payments, wallet, deliveries, and seller tools. We are a technology platform — not a seller, payment institution, or financial advisor unless explicitly stated otherwise.

2. Account responsibilities

You must provide accurate information, maintain account security, and use the platform only for lawful purposes. Sellers must comply with applicable business regulations and accurately describe products and services.

3. Buyer and seller relationships

When a buyer purchases through a seller's checkout link or shared cart, a contract is formed between the buyer and the seller. CartFlow facilitates the transaction but is not a party to that sale unless we explicitly act as merchant of record.

4. Payments, refunds, and taxes

• Payment processing is provided by third-party providers (e.g. Kopo Kopo / M-Pesa).
• Refund and cancellation policies are set by sellers and should be communicated before checkout.
• Sellers are responsible for tax compliance, including eTIMS obligations in Kenya where applicable.
• Chargebacks and disputes are handled according to payment provider rules and stated seller policies.

5. PSP and wallet disclaimers

Mobile money and wallet services are provided by licensed third parties. CartFlow does not hold buyer funds except as necessary for platform operations. Settlement timelines depend on provider rules.

6. Acceptable use

See our Acceptable Use Policy. Violations may result in suspension or termination.

7. Data protection obligations

Sellers processing buyer data must comply with the Kenya Data Protection Act 2019, GDPR where applicable, and our Data Processing Addendum.

8. Intellectual property

CartFlow retains rights in the platform. You retain rights in your content. You grant us a licence to host and display your catalog and checkout content as needed to operate the service.

9. Service availability

We aim for high availability but do not guarantee uninterrupted service. Maintenance windows and third-party outages may occur.

10. Suspension and termination

We may suspend accounts for breach, fraud, or legal requirements. You may close your account by contacting support@bizclinic.africa. Certain records may be retained as required by law.

11. Limitation of liability

To the maximum extent permitted by law, BIZCLINIC AFRICA LLC is not liable for indirect or consequential damages. Our aggregate liability is limited to fees paid to us in the preceding twelve months, where applicable.

12. Indemnity

You agree to indemnify BIZCLINIC AFRICA LLC against claims arising from your sales activity, unlawful data processing, or breach of these terms.

13. Dispute resolution

Disputes shall first be addressed through good-faith negotiation. Governing law: Kenya. Courts of Nairobi, Kenya have exclusive jurisdiction unless otherwise required by law.

14. Changes to terms

We will publish updated versions with effective dates. Material changes may require renewed acceptance.

15. Contact

support@bizclinic.africa · WhatsApp +254113132508 · Operated by BIZCLINIC AFRICA LLC