Effective Date: 20-04-2025

Welcome to Chipicu.com, operated by Chipicu Ventures, a company incorporated under the laws of the Republic of Ghana. By accessing or using this website, you agree to be bound by the following Terms and Conditions. If you do not agree to these Terms, please do not use our website.

1. Definitions

• “Website” refers to Chipicu.com.
• “We”, “Us”, “Our” refer to Chipicu Ventures.
• “User” refers to anyone who accesses or uses the Website.
• “Vendor” means any third-party seller offering goods or services on the Website.
• “Buyer” means any person purchasing goods or services from Vendors or from Chipicu directly.

2. Acceptance of Terms

By using this Website, you represent that you are at least 18 years of age or accessing the Website under the supervision of a legal guardian.

3. Registration and Account Responsibility

• Provide accurate and current information.
• Keep your login credentials confidential.
• Be responsible for all activities under your account.

4. Use of the Website

You agree to use the Website only for lawful purposes and not to:

• Violate any applicable laws, including the laws of Ghana.
• Post or transmit any false, misleading, or defamatory content.
• Infringe on the intellectual property rights of others.

5. Products and Services

• Chipicu provides a platform for Vendors to list products. Chipicu is not liable for:
  • The accuracy of product descriptions provided by Vendors.
  • The quality or fitness for a particular purpose of products sold by third-party Vendors.
• Chipicu reserves the right to:
  • Refuse or cancel any order at its sole discretion.
  • Limit or terminate access to any Vendor for breach of policies.

6. Payments and Pricing

• All prices listed are in Ghanaian Cedis (GHS) unless stated otherwise.
• Payments are processed via secure third-party gateways.
• Prices and availability are subject to change without notice.

7. Returns and Refunds

Returns and refunds are governed by our Return Policy, available on the Website. Chipicu reserves the right to reject returns that do not comply with the policy.

8. Intellectual Property

All content on the Website—including but not limited to logos, text, images, software, and trademarks—is the property of Chipicu Ventures or its licensors and protected under Ghanaian and international intellectual property laws.

9. Limitation of Liability

To the fullest extent permitted by law, Chipicu Ventures shall not be liable for:

• Any indirect, incidental, or consequential damages.
• Loss of data, revenue, or profits.
• Product defects or delivery delays caused by third-party Vendors.

10. Indemnification

You agree to indemnify, defend, and hold harmless Chipicu Ventures, its affiliates, officers, and employees from any claims, damages, or legal fees arising out of your use of the Website or your breach of these Terms.

11. Suspension and Termination

We may suspend or terminate your account without notice if:

• You violate these Terms.
• We detect fraudulent or suspicious activity.
• Required by law or regulatory authority.

12. Compliance with Ghanaian Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Ghana. Any disputes shall be resolved by the courts of competent jurisdiction in Ghana.

13. Force Majeure

We shall not be held liable for failure to perform any obligation due to events beyond our control, including but not limited to natural disasters, war, government restrictions, or internet outages.

14. Dispute Resolution

Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved amicably. Failing which, the matter shall be referred to arbitration in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798) of Ghana.

15. Modifications

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes constitutes your acceptance.

16. Severability

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

17. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Chipicu Ventures regarding your use of the Website.

18. Contact Us

Chipicu Ventures
Address
Email: Chipicu@chipicu.com
Phone: 233501373835

Effective Date: 20-04-2024

This Dispute Resolution Policy (“Policy”) governs the resolution of disputes between Users, Vendors, and Chipicu Ventures (“Company”) arising from the use of the Chipicu.com e-commerce platform (“Platform”). This Policy is established in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798) of the Republic of Ghana.

1. Scope of Policy

• All registered users and account holders on Chipicu.com;
• Third-party Vendors listing or selling products on the Platform;
• Disputes relating to purchases, transactions, returns, product quality, shipping, and customer service.

2. Initial Resolution Through Support

Most disputes can be resolved through our Customer Support team. Users are encouraged to:

1. Contact the Vendor directly using the in-platform messaging system or phone call.
2. If the issue remains unresolved after 3 business days, escalate the matter to Chipicu Customer Support via the dispute form available in the user dashboard or phone call.

3. Internal Review Procedure

• Chipicu will conduct an internal investigation within 7 working days.
• Parties may be asked to provide additional documentation (invoices, receipts, images, etc.).
• Chipicu may mediate communication between the Buyer and Vendor to reach an amicable solution.
• Chipicu’s determination at this stage is non-binding unless both parties accept it in writing.

4. Binding Arbitration

• The matter shall be referred to arbitration in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798).
• The arbitration will be conducted by a single arbitrator agreed upon by the parties or appointed by an accredited ADR institution in Ghana.
• The venue for arbitration shall be Accra, Ghana, unless otherwise agreed in writing.
• The language of arbitration shall be English.
• The decision of the arbitrator shall be final and binding.

5. Legal Fees and Costs

• Each party shall bear its own legal fees.
• The cost of arbitration shall be shared equally unless the arbitrator rules otherwise based on the conduct of the parties.

6. Exclusion of Liability

Chipicu Ventures shall not be held liable for:

• Losses or damages resulting from disputes between Users and Vendors;
• Delays in dispute resolution due to non-cooperation by either party;
• Legal outcomes resulting from independent or third-party arbitration decisions.

7. Exemptions from Arbitration

Disputes involving:

• Criminal allegations (e.g. fraud, theft);
• Intellectual property claims;
• Defamation or cybercrime;

shall be referred directly to the appropriate Ghanaian courts or law enforcement agencies, and are exempted from arbitration.

8. Governing Law

This Policy shall be governed by and construed in accordance with the laws of the Republic of Ghana.

9. Policy Updates

Chipicu Ventures reserves the right to update this Policy at any time. Continued use of the Platform after updates implies acceptance of the revised Policy.

10. Contact

For dispute-related inquiries, please contact:

Dispute Resolution Desk
Chipicu Ventures
Accra
Email: chipicu@chipicu.com
Phone: 233245226167

Effective Date: 20-04-2025

Welcome to chipicu.com, owned and operated by Chipicu Ventures. Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and protect your personal data and other information when you visit our website.

By using our website, you agree to the terms outlined in this Privacy Policy. Please read it carefully.

1. Information We Collect

1.1 Personal Information

This includes information that can identify you personally, such as your name, email address, phone number, billing address, shipping address, and payment details. We collect this information when you:

• Register an account
• Make a purchase
• Subscribe to our newsletter
• Contact us for customer support
• Participate in surveys, promotions, or contests

1.2 Non-Personal Information

This includes information that cannot personally identify you, such as your IP address, browser type, operating system, referring URLs, pages visited on our site, and time spent on each page. This data is collected automatically through cookies and similar technologies.

2. How We Use Your Information

• To process and fulfil your orders
• To communicate with you about your account, orders, and promotions
• To improve our website’s functionality and user experience
• To send you marketing and promotional materials, unless you opt out
• To protect the security of our website and prevent fraud
• To comply with applicable laws and regulations

3. Cookies and Tracking Technologies

We use cookies and similar technologies to improve user experience, track browsing behavior, and enhance our marketing efforts. You can manage your cookie preferences through your browser settings, but disabling cookies may impact your experience on our site.

4. How We Protect Your Information

We take appropriate technical and organizational measures to secure your personal data. However, while we strive to protect your information, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

5. Sharing Your Information

We do not sell, rent, or trade your personal information. We may share your information with third-party service providers to help us perform services such as:

• Payment processing
• Order fulfillment and shipping
• Customer support and marketing
• Website analytics

These third parties are bound by confidentiality agreements and may only use your information as necessary to provide their services.

6. Your Rights

As a user, you have certain rights regarding your personal data, including:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request to correct any inaccuracies in your data.
• Deletion: Request deletion of your personal data, subject to legal obligations.
• Opt-out: Opt out of receiving marketing communications at any time.

To exercise these rights, please contact us at chipicu.com.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children’s Privacy

We do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian and believe we have collected personal information from a child under 13, please contact us immediately so that we can delete such information.

9. Legal Compliance and Jurisdiction

9.1 Compliance with Laws

We comply with the laws of Ghana regarding the collection, storage, and use of personal data. By using our website, you agree to comply with the applicable data protection laws and regulations in Ghana.

9.2 Governing Law and Jurisdiction

This Privacy Policy is governed by and construed in accordance with the laws of the Republic of Ghana. Any disputes arising out of or in connection with this Privacy Policy shall be resolved under the jurisdiction of the courts of Ghana.

9.3 Legal Compliance and Cooperation

We may disclose your personal information in response to legal processes, such as subpoenas, court orders, or government requests. We may also disclose your information to protect our rights, safety, or property, or to comply with applicable laws or regulations.

10. Limitation of Liability

To the fullest extent permitted by law, Chipicu Ventures shall not be liable for any damages, losses, or expenses arising from:

• The use or inability to use our website
• Errors or inaccuracies in content or services provided
• Unauthorized access to your personal information
• Any direct, indirect, special, incidental, consequential, or punitive damages

11. Indemnity

You agree to indemnify and hold harmless Chipicu Ventures, its affiliates, employees, agents, and service providers from any claims, actions, damages, or expenses (including legal fees) arising out of your use of the website, your breach of this Privacy Policy, or your violation of any laws or third-party rights.

12. Dispute Resolution

12.1 Negotiation and Mediation

In the event of any dispute, claim, or controversy arising out of or relating to this Privacy Policy, the parties agree to first seek resolution through good-faith negotiations. If the dispute cannot be resolved within 30 days, it shall be submitted to mediation.

12.2 Arbitration

If mediation fails, the dispute shall be resolved by binding arbitration under the laws of Ghana, and any arbitration proceeding shall take place in Accra, Ghana.

13. Changes to This Privacy Policy

We reserve the right to modify or update this Privacy Policy at any time. Any changes will be posted on this page with the updated “Effective Date” at the top. We encourage you to periodically review this Privacy Policy for any updates.

14. Contact Us

If you have any questions, concerns, or requests related to your personal data or this Privacy Policy, please contact us at:

Chipicu Ventures
Email: Chipicu@chipicu.com
Phone: 23501373835
Address: Accra

Effective Date: 20-04-2025

This Return & Refund Policy (“Policy”) outlines the terms and conditions under which Chipicu Ventures, operators of Chipicu.com, will accept returns and issue refunds for goods and services purchased on the Platform. This Policy is made in accordance with the Consumer Protection Act, 2012 (Act 822) of the Republic of Ghana.

By placing an order through Chipicu.com, you agree to the terms outlined below.

1. Scope of the Policy

• Products sold and fulfilled by Chipicu Ventures; and
• Products sold by third-party Vendors on the Platform, where applicable.

NOTE: Each third-party Vendor may have its own return terms. Where applicable, such terms shall apply in addition to this Policy.

2. General Return Eligibility

Returns are accepted only if the following conditions are met:

• The return request is submitted within 3 calendar days from the date of delivery.
• The product is unused, in original packaging, and in resalable condition.
• A valid proof of purchase (receipt, order number, or invoice) is provided.

Non-returnable Items Include:

• Perishable goods (e.g. food, flowers).
• Intimate or sanitary goods (e.g. undergarments).
• Custom-made or personalized products.
• Downloadable software, digital goods, and gift cards.
• Products marked as “Final Sale” or “Non-Returnable”.

3. Damaged or Defective Items

• You must report the issue within 48 hours of delivery.
• You may be required to provide photo or video evidence.
• Upon verification, we will offer:
  • A replacement,
  • A store credit, or
  • A full refund, depending on product availability.

4. Return Process

To initiate a return:

1. Log in to your Chipicu.com account.
2. Go to “Orders” and select the item you wish to return.
3. Complete the return request form.
4. Wait for a confirmation and return shipping instructions.

Returns must be sent to the designated return address at the customer’s or Vendor’s expense unless the item is defective or incorrect.

5. Refund Terms

• Refunds (where applicable) will be processed within 7–14 business days of receipt and inspection of the returned product.
• Refunds are issued via the original payment method or as store credit.
• Chipicu Ventures reserves the right to refuse a full refund if the item shows signs of use or damage.

6. Vendor-Specific Return Policies

• The Vendor is solely responsible for accepting or rejecting the return.
• Chipicu Ventures facilitates communication but is not liable for decisions made by Vendors.
• Any disputes between Buyers and Vendors shall be resolved in accordance with our Dispute Resolution Policy.

7. Fraud and Abuse Prevention

• Chipicu Ventures reserves the right to refuse a return if fraud or abuse is suspected.
• Block customers with excessive or suspicious return histories.
• Share return abuse data with law enforcement if necessary.

8. Legal Limitations and Liability

• Chipicu Ventures shall not be liable for any indirect or consequential damages arising from the return or non-return of any product.
• This Policy does not affect your statutory rights under the Consumer Protection Act, 2012 (Act 822).
• Any legal claim related to a return shall be subject to the jurisdiction of the courts of Ghana.

9. Changes to This Policy

We reserve the right to modify this Policy at any time without prior notice. The most recent version will always be available on our website. Continued use of our services constitutes acceptance of any changes.

10. Contact Us

Chipicu Ventures
Address
Email: Chipicu@chipicu.com
Phone: 233501373835

Effective Date: 20-04-2025

This Vendor Agreement (“Agreement”) is made between Chipicu Ventures, a company duly incorporated under the laws of the Republic of Ghana with its principal office at [Insert Address] (“Company”), and the vendor (“Vendor”) registering to list and sell products or services on Chipicu.com (“Platform”).

By signing up or using the Vendor services on Chipicu.com, the Vendor agrees to be bound by the following terms:

1. Definitions

• “Platform” refers to Chipicu.com.
• “Vendor” means any individual or entity that lists or sells products or services on the Platform.
• “Customer” refers to any person purchasing goods/services via the Platform.
• “Products” refers to the goods or services listed by the Vendor.

2. Eligibility and Registration

• Vendor must be legally capable of entering into contracts under Ghanaian law.
• Vendor shall provide accurate business registration, tax identification, and bank or mobile money details.
• Chipicu reserves the right to verify and approve or reject any application.

3. Vendor Obligations

The Vendor agrees to:

• Accurately list and describe all Products.
• Ensure all Products are safe, lawful, and comply with Ghanaian regulations.
• Maintain sufficient stock to fulfil orders promptly.
• Handle packaging and delivery (unless Chipicu fulfilment is used).
• Be responsible for after-sale service, returns, and customer complaints related to their Products.

4. Fees and Commissions

• Chipicu may charge listing fees, subscription fees, and/or commissions on sales, as set out in the Vendor Fee Schedule.
• All commissions are deducted at source or payable upfront at the time of registration.
• Chipicu reserves the right to revise its fees with 14 days’ notice.

5. Payment Terms

• Payments are settled to the Vendor on a weekly basis.
• Chipicu reserves the right to withhold payments for:
  • Returned or disputed transactions,
  • Suspected fraud,
  • Violations of this Agreement.

6. Taxes

• Vendor is responsible for all applicable taxes, levies, and statutory deductions required by the Ghana Revenue Authority (GRA).
• Chipicu shall not be responsible for remitting the Vendor’s taxes unless explicitly required by law.

7. Product Liability and Indemnity

• Vendor is solely liable for the Products sold, including any product liability claims, recalls, or damage resulting from use.
• Vendor agrees to indemnify and hold harmless Chipicu Ventures from any legal claims, damages, costs, or penalties arising from:
  • The sale of defective or illegal goods,
  • Breach of third-party rights (e.g., IP infringement),
  • Misleading or false advertising.

8. Prohibited Products

Vendor shall not list or sell:

• Counterfeit or pirated goods.
• Hazardous, illegal, or unapproved items under Ghanaian law.
• Products infringing trademarks, copyrights, or patents.

Chipicu reserves the right to remove any listings without notice.

9. Intellectual Property

• Vendor grants Chipicu a non-exclusive, royalty-free license to use product images, trademarks, and descriptions for marketing and listing.
• Vendor warrants they own or have legal rights to all submitted content.

10. Termination

• Chipicu may terminate or suspend this Agreement immediately if:
  • Vendor violates any terms of this Agreement,
  • Fraudulent, abusive, or illegal activity is detected,
  • Required by law or regulatory authority.
• Vendor may terminate with 7 days’ written notice, subject to fulfilment of outstanding orders.

11. Confidentiality

Vendor agrees to keep confidential all information regarding Chipicu’s business operations, customers, and technology that is not publicly available.

12. Limitation of Liability

To the maximum extent permitted by law, Chipicu Ventures shall not be liable for:

• Loss of profits, goodwill, or business,
• Product defects caused by the Vendor,
• Any indirect or consequential damages.

13. Force Majeure

Neither party shall be liable for failure to perform due to causes beyond their reasonable control, including acts of God, strikes, government restrictions, or internet outages.

14. Governing Law and Dispute Resolution

• This Agreement shall be governed by the laws of the Republic of Ghana.
• Disputes shall be resolved first through good-faith negotiations.
• Unresolved disputes shall be submitted to arbitration in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798) of Ghana.

15. Entire Agreement

This Agreement constitutes the entire understanding between Chipicu and the Vendor and supersedes all prior agreements. Any amendments must be made in writing and signed by both parties.

16. Contact Information

Chipicu Ventures
Address
Email: Chipicu@chipicu.com
Phone: 233501373835