Terms of Service

Effective 24 September 2026. MMEST Market is operated by Cocoritties Ltd, a company registered in Nigeria.

1. What MMEST Market is

MMEST Market is an online marketplace. Independent sellers list products, and customers buy them. We provide the storefront, the checkout, customer support, and the payment routing. Sellers own their inventory, set their prices and delivery fees, and ship orders themselves. We are not the seller of record for any product.

2. Accounts

You need an account to buy or sell. You are responsible for keeping your sign-in details secure and for everything done under your account. You must be at least 18 years old and provide accurate information. We may suspend or close accounts that breach these terms.

3. Buying

Prices are shown in Nigerian Naira and include the seller's price plus the delivery fee the seller sets for your state. Payment is processed by Paystack; we never see your full card details. An order is confirmed when Paystack confirms your payment. Returns and refunds are governed by our Refund and returns policy.

4. Selling

To sell, you apply through the seller application and must be approved by our team. We require your registered business name, your Corporate Affairs Commission (CAC) registration number and certificate, a government-issued identity document for the business owner or a director, and the bank account that will receive your payouts. The bank account must be in the name of the registered business or the verified owner. We may request further information at any time and may decline or revoke approval at our discretion.

When a customer pays, Paystack splits the payment at the moment of payment: your share settles to your bank account on Paystack's standard schedule and MMEST Market retains a commission, currently 15% of the product price. Paystack's transaction fees are paid by us out of that commission. Sellers are responsible for fulfilling orders promptly, describing products accurately, honouring the refund policy, and complying with all applicable law, including consumer protection and tax obligations.

5. Content

You keep ownership of the text and images you upload, and you grant us a licence to display them on the marketplace and in our marketing. You must have the right to use everything you upload. We may remove content that breaches these terms or the Acceptable Use Policy below.

6. Our role and liability

We work to keep the marketplace safe and reliable, but we do not guarantee that any product will meet your expectations, and we are not liable for a seller's acts or omissions beyond the remedies in the refund policy. To the extent permitted by Nigerian law, our total liability to you in connection with the marketplace is limited to the amount you paid for the order concerned.

7. Privacy

We collect the information needed to run the marketplace: account details, delivery addresses, order history, and, for sellers, the identity and business documents described above. Seller documents are stored privately and are viewed only by our compliance team for verification. We share transaction data with Paystack to process payments and may share information with regulators where the law requires. We do not sell personal data.

8. Changes and governing law

We may update these terms; the effective date above will change when we do, and continued use after that date means you accept the new terms. These terms are governed by the laws of the Federal Republic of Nigeria.

Acceptable Use Policy

This policy applies to everyone who uses MMEST Market. It exists to protect customers, sellers, and our payment partners, and it reflects the requirements of Paystack and Nigerian law.

Prohibited products and services

The following may not be listed, sold, or advertised on MMEST Market:

• Illegal drugs, controlled substances, and drug paraphernalia; prescription medicines and medical devices sold without the required licence
• Firearms, ammunition, explosives, and weapons of any kind, including replicas designed to deceive
• Counterfeit, replica, or unauthorised branded goods, and anything that infringes a trademark, copyright, or patent
• Stolen goods and goods you do not have the right to sell
• Adult content and sexual services
• Tobacco products, e-cigarettes, and vaping products
• Alcohol sold to or intended for persons under 18
• Live animals, protected wildlife, and products made from endangered species
• Human remains and body parts
• Hazardous materials, including fireworks and toxic or flammable chemicals
• Gambling, lotteries, raffles, and games of chance
• Cryptocurrency, foreign exchange, securities, loans, and other financial products or investment schemes
• Multi-level marketing, pyramid schemes, and "get rich quick" offers
• Items that promote hatred, violence, or discrimination, or that glorify terrorism
• Government IDs, licences, uniforms, and official documents, whether genuine or forged
• Hacking tools, malware, stolen data, and services that help evade the law or security measures
• Any product or service whose sale is prohibited by Nigerian law or by Paystack's acceptable use policy

Prohibited conduct

• Misrepresenting who you are, what you sell, or where it ships from
• Taking payment for an order you do not intend to fulfil, or directing customers to pay outside the platform
• Posting fake reviews or manipulating ratings
• Harassing customers, sellers, or our staff
• Using the marketplace to launder money or to disguise the origin of funds
• Scraping, probing, or interfering with the operation of the site

Enforcement

Every seller application is reviewed by our team before a store can list anything, and we review product listings after approval. Breaches of this policy may result in listings being removed, stores being suspended (which immediately withdraws all of their products from sale), payouts being withheld pending investigation, and accounts being closed. We cooperate with Paystack, banks, and law enforcement where required. To report a listing or behaviour that breaches this policy, contact support.