Terms of Service

Last updated: July 2026

1. Acceptance of terms

By creating a MerchantTech account, you agree to these Terms of Service. If you do not agree, do not use the platform.

2. Service description

MerchantTech provides a unified inbox platform that aggregates conversations from WhatsApp, Instagram, and Telegram into a single real-time dashboard, along with lightweight CRM, read-only ad insights, and team collaboration tools.

The platform is provided on a subscription basis with tiered plans (Starter, Growth, Enterprise). Feature availability varies by plan. We reserve the right to modify features or pricing with 30 days' notice.

3. Account registration

When you register, you agree to:

• Provide accurate and complete information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized access to your account
• Be responsible for all activity under your account, including messages sent by your team members

4. Acceptable use

You agree not to use MerchantTech to:

• Send spam, unsolicited marketing, or messages that violate the terms of service of connected platforms (Meta, Telegram)
• Engage in harassment, fraud, or illegal activity under Nigerian law
• Attempt to bypass platform rate limits, use unofficial API workarounds, or impersonate other businesses
• Use automated HUMAN_AGENT tags or similar features in violation of Meta's platform policies

We reserve the right to suspend or terminate accounts that violate these terms or the policies of connected platforms.

5. Payment and billing

Paid plans are billed monthly or annually in Nigerian Naira (₦) via Paystack. Prices are as published on our pricing page at the time of subscription. Annual plans receive a discount equivalent to approximately two months free.

The 14-day free trial on the Growth plan requires no credit card. At the end of the trial, you may choose a plan or your account will be restricted to trial-expired status. No charges are made without your explicit selection of a plan and entry of payment details.

Add-ons (extra profiles, extra seats, history extension, priority support) are billed monthly in addition to your base plan.

6. Cancellation and refunds

You may cancel your subscription at any time. Access continues until the end of the current billing period. Refunds are not provided for partial months, except where required by Nigerian consumer protection law.

7. Third-party platforms

MerchantTech integrates with Meta (WhatsApp, Instagram) and Telegram through their official APIs. We are not responsible for:

• Service disruptions or API changes made by these platforms
• Account suspensions or bans imposed by these platforms, including those resulting from your use of their services outside MerchantTech
• Delays in Meta Business Verification or App Review processes

8. Limitation of liability

MerchantTech is provided “as is.” To the fullest extent permitted by Nigerian law, we disclaim all warranties, express or implied. We are not liable for:

• Lost revenue, sales, or business opportunities
• Data loss caused by third-party platform API changes
• Indirect or consequential damages

Our total liability for any claim arising from your use of the platform shall not exceed the amount you paid us in the three months preceding the claim.

9. Intellectual property

The MerchantTech platform, including its code, design, and branding, is our intellectual property. You retain ownership of your data, including messages and customer information. We claim no ownership over your business data.

10. Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved through negotiation in good faith, followed by mediation, and finally by the competent courts in Lagos, Nigeria if unresolved.

11. Changes to these terms

We will notify you of material changes to these terms via email at least 30 days before they take effect. Continued use of the platform after changes take effect constitutes acceptance of the updated terms.

12. Contact

For questions about these terms, contact us at legal@merchanttech.co.