Terms and Conditions

1. Platform role and scope

CartFlow is a collaborative e-commerce marketplace operated by Sanskrit Limited (support: BizClinic Africa LLC). It provides software for group and individual shopping, checkout links, payment reconciliation, deliveries, seller tools, institutional SaaS features, and commerce APIs. We facilitate buyer–seller transactions — we are not a payment institution, deposit-taker, or financial advisor, and we are not a party to a sale unless we explicitly act as merchant of record.

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 licensed third parties (including M-Pesa rails and, when enabled, Paystack). For Paystack marketplace charges, funds are collected on the configured shared Paystack business account and settled at charge time via dynamic splits to seller, platform, and (where verified) organizer or delivery subaccounts. Provider processing does not by itself mean funds have already arrived in a seller's bank or till outside Paystack's split rules.
• Delivery and collection charges are disclosed before payment and form part of the charge where applicable — see Shipping.
• Refunds and disputes follow our Returns and Dispute policies in addition to seller programme rules. Statutory consumer rights are preserved.
• Sellers are responsible for tax compliance, including eTIMS obligations in Kenya where applicable.
• Chargebacks follow payment provider rules; platform staff may decide buyer cases on available evidence.

5. PSP and wallet disclaimers

Mobile money and payment services are provided by licensed third parties. On-platform “wallet” or balance screens are reconciliation ledgers backed by PSP positions — not a stored-value wallet, escrow account, or withdrawable deposit product operated by CartFlow. Settlement timelines depend on provider rules. Default Paystack settlement is charge-time split, not customer escrow.

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, Sanskrit Limited 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 Sanskrit Limited 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. Licenced to and operated by Sanskrit Limited and Supported by BizClinic Africa LLC. Contracting entity: Sanskrit Limited. Shared services: BizClinic Africa LLC.