Terms & Conditions

Contests, Sweepstakes and Promotions

All contests, sweepstakes or other promotions (collectively, "Promotions") made available through Service may be governed by rules that are separate from these Terms of Service. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms of Service, Promotion rules will apply.

Referrals & Affiliate Program

Creators on the Standard and Pro plans can let other creators ("affiliates") promote their courses, digital products, consultations and event tickets for a commission. During our launch period this is also open to creators on the Free plan; we may limit it to paid plans again later and will tell you before we do. Anyone with a Koseisa creator account can be an affiliate. These terms apply to both sides.

How commissions work

• The creator sets the commission on each listing: 10–45% on courses and 10–70% on everything else. It is a percentage of what the buyer actually paid, after any coupon, and is fixed at the moment of purchase.
• A sale is credited to an affiliate when the buyer opened the affiliate's link within the previous 30 days. If they opened more than one affiliate's link, the most recent one is credited.
• The commission comes out of the creator's share of the sale. On courses, Koseisa covers 20% of the commission from its own fee; on all other listings the creator covers all of it. The buyer pays the same price either way.
• Commissions are paid into the affiliate's Koseisa wallet and follow the same clearing period, identity verification and payout rules as a creator's own sales. If an order is refunded or charged back, its commission is reversed; if a payment is disputed, the commission is held until the dispute is resolved.
• No commission is paid on your own purchases, on your own listings, on brand deals, or on free orders.
• If a creator's plan ends or they turn affiliates off, links stop earning on new sales. Commissions already earned are kept.

Affiliate conduct

Affiliates must promote honestly: no spam, no misleading claims about a listing or about earnings, no posing as the creator or as Koseisa, no paid ads that bid on the creator's or Koseisa's name unless the creator agrees, and no buying through your own link or arranging fake purchases. Creators may block any affiliate at any time. Koseisa may withhold or reverse commissions earned in breach of these terms, and suspend affiliate accounts involved in fraud.

Referring new creators

• Any Koseisa creator can share a referral link. A person is credited to you if they sign up, or turn on a creator account, within 30 days of opening your link; if they opened more than one link, the most recent one counts. A referral is recorded once and can't be moved to someone else later, and people who have already paid for a plan can't be referred.
• When a creator you referred pays for Standard or Pro and then pays for a second month, you earn one free month of a Koseisa plan — one per referred creator. If they cancel, or their plan ends, before that second payment, the free month is cancelled; it is earned again if they later pay again. It does not change what the referred creator pays.
• If you are on a paid plan, a free month is added when your current paid month is nearly over, and your next payment moves back by a month. If you are on Free, you get one month of Standard that ends on its own, with nothing charged. Free months have no cash value, can't be withdrawn or transferred, and are used one at a time.
• Referring yourself or your own other accounts is not allowed, and Koseisa may cancel free months earned that way or in breach of these terms.

Code of Conduct

Users are expected to abide by the following Code of Conduct guiding our community:

• Illegal Activity. We prohibit any form of use of the Koseisa platform for any illegal activity. You are not allowed to use our Platform to engage in any kind of conduct that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US, Nigeria, or your country). In the instance of any illegal activity, such activity will be investigated and the applicable law will depend on the peculiarity of the case and at our sole discretion.
• Fraud. We have zero tolerance for any form of fraudulent activity or transaction including but not limited to Money Laundering.
• Bad Code. You shall not use the Koseisa Platform to transmit, distribute, send, etc. viruses, worms, or any other code that may be deemed dangerous, harmful, or destructive in any manner.
• Spamming. You shall not use the Koseisa Platform to engage in any activities that will result in sending spam to anyone on the Koseisa Platform, including Koseisa (and its employees), Subscribers, and Purchasers.
• Respect. We encourage users to be civil and respectful at all times.
• Exploitation. You shall not use the Koseisa Platform to try to gather personal information on anyone, outside of the limited permissible uses for offering your Content.
• Impersonation. You shall not impersonate anybody including Kwuva Limited, any of its employees, users of Koseisa or members of the general public. Upon discovery of impersonation, we reserve the right to deactivate the infringing account immediately.
• Data Mining or Bots. You shall not use any data mining, robots, or similar data gathering or extraction methods.
• Use Other Than Intended. You shall not use the Platform or any content contained on the Platform for any purposes other than intended.

Upon violation of our Code of Conduct, we reserve the right to delete a user's account and Content from the Koseisa Platform. Whether conduct violates our Code of Conduct will be determined in Koseisa's sole discretion.

Payments Must Stay on Koseisa

All payments for anything listed on Koseisa must be made through Koseisa's checkout.

You must not ask, encourage or arrange for anyone to pay you outside Koseisa for anything listed on, or first found through, Koseisa. This includes bank transfers, mobile wallets, cash, cryptocurrency and gift cards, whether arranged on Koseisa or on another app.

Koseisa does not receive, hold, see or control a payment made outside its checkout. Such a payment is made entirely at your own risk. Koseisa's refund, dispute and support processes do not apply to it, and Koseisa cannot recover it for you.

If you break this section, we may remove your listings and suspend or close your account. We may also share relevant information with banks, payment providers and law enforcement.

If someone asks you to pay outside Koseisa, do not pay them. Report them using the Report button on their listing, profile or chat.

Listings and Creators

Koseisa is a marketplace. Creators sell their own products and services to buyers through Koseisa, and the contract for what is sold is between the creator and the buyer. Koseisa is not the seller and is not a party to that contract.

Each creator is responsible for what they list, including its accuracy, quality, legality and delivery. Koseisa does not check every listing and does not guarantee any listing, creator, buyer or brand. A verification badge means only that a person's identity details passed a check at the time. It is not a recommendation.

Nothing in this section removes a refund right set out in our Refund Policy, or any right you have by law that cannot be excluded.

Subscriptions

Some parts of Service are billed on a subscription basis ("Subscription(s)"). You shall be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Koseisa cancels it. You may cancel your Subscription renewal either through your online account management page or by contacting Koseisa's customer support team.

A valid payment method, including debit card, credit card or PayPal, is required to process the payment for your subscription. You shall provide Koseisa with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information. By submitting such payment information, you automatically authorize Koseisa to charge all Subscription fees incurred through your account to any such payment instruments.

Upon failure of automatic billing, Koseisa will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.

In the event that you discontinue your paid subscription, you will no longer have access to all the paid features on the Service, consequently, your customers will lose access to features that are exclusive to paying members only/subscription-based products.

KYC

We may need you to verify your identity to access our services. We would request your banking details, a valid ID and/or proof of address. You consent to us sharing these details with secure verifying agencies and databases. You also permit us to submit these details to regulatory government agencies where required.

Fee Changes

Koseisa, in its sole discretion and at any time, may modify Subscription fees for the Subscriptions. Any Subscription fee change shall become effective at the end of the subsisting Billing Cycle. Koseisa shall provide you with a reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective. Your continued use of Service after a Subscription fee change comes into effect shall constitute an implied agreement to pay the modified Subscription fee amount.

Currency Conversion and Payouts

For currency conversion and payouts to merchants/service providers, we are not obliged to pay merchants above the CBN (Central Bank of Nigeria) rate, however, to ensure a more favorable business relationship for both parties, we are committed to working with the available competitive rate(s) at the time payment is made by the purchaser. This may however differ slightly occasionally.

Earnings clear into your Koseisa wallet a few days after each sale, and you can then withdraw them. Earnings from event tickets clear one day after the event ends (or a few days after the sale, if that is later), so buyers can be refunded if the event is cancelled.

Please note that payment gateways may be changed from time to time at our discretion.

Chargebacks

If a buyer disputes a payment with their bank, the earnings from that order are held until the dispute is settled. If the dispute is lost, the order is treated as refunded and those earnings are reversed, including any already withdrawn, which are then owed from future earnings.

Refund Policy

Courses. You may request a refund for a course within 2 days of your payment being confirmed, as long as you have watched no more than 20% of its lectures (at least one lecture is always allowed). To do so, open your Purchase History, select "Request refund" on the course and tell us why. Requests made after this period, or once more of the course has been watched, cannot be accepted.

Every request is reviewed by our team, and we will email you our decision. You keep access to the course while your request is being reviewed. We may decline a request, for example where a course has been substantially consumed or where we see a pattern of misuse of refunds, and we will tell you why.

If your refund is approved, the course price is returned to the card or account you paid with. Payment processing fees and government stamp duty paid at checkout are non-refundable, on this and every other refund. Banks usually take 5 to 10 working days to show it. Your access to the course ends once the refund is issued.

Event tickets. Tickets are non-refundable, except when the organiser cancels the event. Ticket money is held and only paid to the organiser one day after the event ends. If the organiser cancels before then, every buyer is automatically refunded the ticket price (fees are non-refundable) from that held money and told by email. If a ticket was paid for before this rule applied and its money had already been paid out, the organiser refunds that buyer directly. Organisers who cancel an event must not resell those tickets, and are responsible for any chargeback on a cancelled event.

Other purchases. Digital products and consultations are non-refundable once payment has been made, because they are delivered or reserved for you immediately. Brand deals follow their own rules, set out under Brand Deals and Disputes.

This does not affect any rights you have under applicable law, or refunds we choose to make where a purchase could not be delivered.

Brand Deals and Disputes

What is agreed. A brand deal is agreed through Koseisa: the brand's brief and the creator's offer (price, deliverables, delivery time and number of revisions) are the terms of the deal. Things the two sides agree in Koseisa messages while the deal is under way also count, as long as both sides clearly agreed to them.

Payment is held. The brand pays the creator's price up front. Koseisa holds the payment and releases it to the creator when the brand approves the work. If the brand does not approve, ask for a revision or report a problem within 5 days of delivery, the work is approved automatically. Revisions can be asked for only up to the number agreed in the offer.

Delivery. A deal is delivered when the creator has done what was agreed, by the due date, and marked it delivered with proof (for example screenshots of the live posts). Content must stay up for as long as was agreed; removing or changing it early can count against the creator in a dispute.

Late or missing work. If a deal has not been delivered 3 days after its due date, the brand can cancel it and is refunded in full. A creator who can't do a paid deal can cancel it at any time before delivery, and the brand is refunded in full.

Disputes. If something goes wrong, the brand can report a problem. Automatic approval then stops and the payment stays held. The creator has 3 days to give their side, and either side can add statements and evidence, which the other side can read. Our team reviews the deal's full history, both sides' statements and evidence, and, where needed, the messages between the two sides on Koseisa (see our Privacy Policy). We then decide to release the payment to the creator, refund the brand in full, or split it: the brand is refunded part of the payment and the creator keeps the rest of their earnings. We tell both sides the decision and the reason.

Our decision settles the deal on Koseisa. It does not affect any rights either side has under applicable law, including a brand's right to raise a dispute with their bank. Refunds are returned to the card or account the brand paid with; banks usually take 5 to 10 working days to show them.

Honesty. Statements and evidence must be true. Faked or edited evidence, or pressure on the other side outside the agreed terms, may lead to a decision against you and to your account being suspended.

Content

Our Service allows users to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). Users are responsible for Content that they post on or through Service, including its legality, reliability, and appropriateness.

By posting Content on or through Service, User represents and warrants that: (i) Content is their Intellectual Property and/or they have the right or licence to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through Service does not infringe on the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity — tangible or intangible. We reserve the right to delete the account of anyone found to be infringing on any of the above rights.

You reserve any and all of your rights to any Content you submit, post or display on or through Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third party posts on or through Service. However, by posting Content using Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through Service. You agree that this license includes the right for us to make your Content available to other users of Service, who may also use your Content subject to these Terms.

Koseisa has the right but not the obligation to monitor and edit all Content provided by users.

Prohibited Uses

You may use Service only for lawful purposes and in accordance with Terms. You agree not to use Service:

• In any way that violates any applicable national or international law or regulation.
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation.
• To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.
• In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.
• To transmit a message that is deemed "grossly offensive, pornographic or of an indecent, obscene or menacing character."

Additionally, you shall not:

• Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party's use of Service, including their ability to engage in real time activities through Service.
• Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.
• Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of Service.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.
• Attack Service via a denial-of-service attack or a distributed denial-of-service attack.
• Take any action that may damage or falsify Company rating.
• Otherwise attempt to interfere with the proper working of Service.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Use By Minors

Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of Company, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least eighteen (18) years old, you are prohibited from both access and usage of Service.

Accounts

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on Service.

Users are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our sole discretion without any form of liability.

Intellectual Property

Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Kwuva Limited and its licensors. Service is protected by copyright, trademark, and other laws of Nigeria and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Kwuva Limited.

Copyright Policy

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on Service infringes on the copyright or other intellectual property rights ("Infringement") of any person or entity.

If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to copyright@koseisa.com, with the subject line: "Copyright Infringement" and include in your claim a detailed description of the alleged Infringement as detailed below, under "DMCA Notice and Procedure for Copyright Infringement Claims." See our full Copyright Policy for more detail.

You may be held accountable for damages (including costs and attorneys' fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through Service on your copyright.

DMCA Notice and Procedure for Copyright Infringement Claims

You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright's interest.
• A description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work.
• Identification of the URL or other specific location on Service where the material that you claim is infringing is located.
• Your address, telephone number, and email address.
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

You can contact our Copyright Agent via email at hello@koseisa.com.

Error Reporting and Feedback

You may provide us directly at hello@koseisa.com with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service ("Feedback"). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Company may have developed ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.

Links To Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by Koseisa.

Koseisa has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Koseisa shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms of service and privacy policies of any third-party websites or services that you visit.

Disclaimer Of Warranty

These services are provided by Company on an "as is" and "as available" basis. Company makes no representations or warranties of any kind, express or implied, as to the operation of their services, or the information, content or materials included therein. You expressly agree that your use of these services, their content, and any services or items obtained from us is at your sole risk.

Neither Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Services. Without limiting the foregoing, neither Company nor anyone associated with the Company represents or warrants that the Services, their content, or any services or items obtained through the Services will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that the Services or the server that makes it available are free of viruses or other harmful components or that the Services or any services or items obtained through the Services will otherwise meet your needs or expectations.

As a platform that provides for buying and selling of goods and services, the Company will not be liable for any fraudulent, failed, or incomplete transaction, whether by card or another payment method, by users, however, we reserve the right to divulge the details of such transaction to appropriate authorities in order to help with the investigation process.

Company hereby disclaims all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for particular purpose.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

Limitation of Liability

Nothing in these Terms limits or excludes liability that cannot be limited or excluded by law, including liability for fraud, or for death or personal injury caused by negligence.

Subject to that, Koseisa and Kwuva Limited, and their directors, employees and agents, are not liable for any indirect or consequential loss, or for loss of profit, revenue, data, goodwill or opportunity, arising from your use of the Service.

Koseisa is also not liable for any loss caused by the conduct of another user, including any payment made outside Koseisa.

The total liability of Koseisa and Kwuva Limited to you for all claims arising from the Service in any 12-month period is limited to the greater of ₦50,000 and the total fees Koseisa received from your transactions in that period.

This limit does not apply to money you are owed, including your wallet balance, earnings or a refund due to you.

Indemnity

If you sell, promote or book on Koseisa as a creator, affiliate or brand, you agree to indemnify Koseisa and Kwuva Limited against claims, losses and reasonable legal costs brought by a third party and arising from your breach of these Terms, your listings or content, or your dealings with another user.

Termination

We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.

If you wish to terminate your account, you may simply discontinue using Service.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

In the event that your account with us is terminated or you discontinue your paid subscription, you will no longer have access to all the paid features on the Service, consequently, your customers will lose access to features that are exclusive to paying members only/subscription-based products.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Service, or the entire Service, to users, including registered users.

Amendments To Terms

We may amend Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Waiver And Severability

No waiver by the Company of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

Acknowledgement

By using Service or other services provided by us, you acknowledge that you have read these Terms of Service and agree to be bound by them.

Contact Us

Please send your feedback, comments, and requests for technical support:

By email: hello@koseisa.com