Terms & Conditions
These Terms & Conditions govern the use of the Katika platform. By using Katika, you agree to follow these rules.
1. Introduction & Acceptance
These Terms & Conditions (“Terms”) govern the use of the Katika website, mobile application, and services (“Platform”).
By accessing or using the Platform, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use the Platform.
2. What Katika Is (And Is Not)
What Katika is:
- A transaction protection platform
- A neutral payment controller
- A dispute resolution authority based on rules and evidence
What Katika is NOT:
- A buyer or seller of goods
- A physical inspection service
- A shipping or delivery company
- A guarantor beyond agreed transaction terms
All transactions are strictly peer-to-peer between users.
3. Eligibility to Use the Platform
- You must be at least 18 years old
- You must have legal capacity to enter agreements
- You must provide accurate and truthful information
- You must use the Platform only for lawful transactions
Providing false information may lead to account suspension or termination.
4. User Responsibilities
Buyers agree to:
- Review item details carefully before payment
- Inspect items before confirming delivery
- Open disputes within allowed timeframes
- Provide honest and accurate evidence
Sellers agree to:
- Describe items truthfully and clearly
- Deliver items exactly as agreed
- Provide valid delivery proof
- Cooperate fully during disputes
5. Payment Handling Rules
Buyer payments are held securely until transaction conditions are met. Funds are released only after buyer confirmation or dispute resolution.
No user can manually force a release or withdrawal of funds.
6. Disputes & Resolution
Disputes are governed by the Official Dispute Resolution Policy, which forms part of these Terms.
All dispute decisions are based strictly on evidence and platform rules. Decisions are final and binding.
7. Returns & Refunds
Refunds are granted only when approved through dispute resolution. Returned items must be sent back with valid proof.
No return = no refund.
8. Prohibited Activities
- Submitting fake or edited evidence
- Using the Platform for illegal goods or services
- Harassing users or platform staff
- Bypassing payment controls
- Abusing disputes for personal gain
Violations may result in suspension, permanent ban, or loss of funds.
9. Fees & Charges
Dispute opening is currently free. The party found at fault may be penalized.
Fees may change in the future with prior notice.
10. Account Suspension & Termination
Katika reserves the right to suspend or terminate accounts involved in fraud, abuse, or serious violations.
Funds may be frozen during investigations to protect platform integrity.
11. Limitation of Liability
Katika is not responsible for product quality beyond agreed descriptions, shipping delays, courier issues, or losses caused by user negligence.
Platform liability is limited strictly to payment control according to these Terms.
12. Platform Authority & Changes
Katika reserves the right to update these Terms, modify features, adjust dispute procedures, or freeze accounts when necessary.
Continued use of the Platform after changes constitutes acceptance.
13. Governing Law
These Terms are governed by applicable laws in Cameroon. Any disputes shall be resolved under applicable jurisdiction.
14. Contact & Support
For questions or concerns, users should contact official support channels provided within the Platform.