STONESJOE MARKETPLACE

Terms & Conditions

Effective Date: During lunching

Welcome to STONESJOE Marketplace (“STONESJOE”, “we”, “our”, or “us”).

STONESJOE is a technology-driven multi-vendor marketplace that connects customers with independent businesses while also selling products through its official STONESJOE Store.

By accessing or using STONESJOE, you agree to these Terms and Conditions.

1. Our Marketplace

STONESJOE provides a digital marketplace where:

Customers can purchase products from multiple vendors using one STONESJOE account.
Businesses can register and operate their own online stores.
STONESJOE may also sell products directly through its official store.

STONESJOE provides the platform but is not the manufacturer, importer, or owner of products sold by independent vendors unless clearly identified as a STONESJOE product.

2. Universal STONESJOE Account

Every customer uses one STONESJOE account across the marketplace.

This account allows customers to:

Purchase from multiple vendors
Track all orders
Save delivery addresses
Manage returns and refunds
View purchase history
Receive marketplace notifications
Access future loyalty and rewards programs

The customer relationship is managed through STONESJOE.

3. Vendor Registration

Businesses wishing to sell on STONESJOE must provide accurate information, including:

Business name
Owner information
Phone number
Email
Bank account details
Government-issued identification (where required)

Providing false or misleading information may result in suspension or permanent removal.

4. Product Listings

Products submitted by vendors become visible immediately after publication.

However, STONESJOE continuously monitors listings and reserves the right to:

Edit listings for formatting or policy compliance
Hide listings
Suspend listings
Remove listings
Suspend vendor accounts

Immediate publication does not mean permanent approval.

5. Vendor Responsibilities

Each vendor is solely responsible for:

Product authenticity
Product quality
Inventory accuracy
Pricing
Packaging
Shipping
Customer support
Warranty obligations
Compliance with Nigerian law

Vendors accept full legal responsibility for the products they sell.

6. STONESJOE Products

Products sold by STONESJOE are fulfilled directly by STONESJOE.

Products sold by independent vendors remain the responsibility of those vendors.

Customers may purchase both STONESJOE products and third-party vendor products during the same checkout where technically supported.

7. Orders

After an order is placed:

Vendors should process orders promptly.
Vendors should update order status.
Customers should receive shipment updates where available.

Repeated failure to fulfill orders may result in penalties, suspension, or removal from the marketplace.

8. Payments

Accepted payment methods include:

Bank Transfer
Paystack
Flutterwave
OPay
PalmPay

Additional payment methods may be introduced in the future.

Orders are processed only after payment has been successfully confirmed unless another payment option is officially supported.

9. Marketplace Commission

STONESJOE earns revenue by deducting an agreed commission from eligible marketplace sales.

Commission rates may vary depending on vendor plans, promotions, or future pricing models.

Commission rates may change with reasonable notice.

10. Vendor Payouts

Vendor earnings become available according to STONESJOE’s payout schedule.

Before payment is released:

Marketplace commissions
Applicable fees
Approved refunds
Chargebacks

may be deducted where applicable.

STONESJOE reserves the right to temporarily hold payouts where fraud, disputes, or policy violations are under investigation.

11. Customer Protection

To maintain trust within the marketplace, STONESJOE may:

Investigate disputes
Review transactions
Suspend suspicious activity
Assist with refunds where appropriate
Take enforcement action against vendors who repeatedly violate marketplace policies

While STONESJOE assists with dispute resolution, vendors remain responsible for fulfilling their obligations.

12. Off-Platform Transactions

To protect customers and maintain marketplace integrity:

Vendors must not encourage customers to complete purchases outside STONESJOE for transactions that originated on the platform.

Examples include:

Requesting direct bank transfers outside checkout
Asking customers to order through WhatsApp after initial contact on STONESJOE
Redirecting customers to external websites to avoid marketplace commissions

Violation of this policy may result in suspension or permanent removal.

13. Prohibited Products

The following may not be listed:

Illegal goods
Counterfeit products
Fake branded goods
Stolen property
Narcotics
Prohibited weapons
Dangerous chemicals
Fraudulent products
Copyright-infringing products
Any product prohibited under Nigerian law

STONESJOE may remove prohibited products without prior notice.

14. Intellectual Property

Vendors confirm they own or have permission to use:

Product images
Logos
Videos
Descriptions
Trademarks

15. Shipping

Each vendor is responsible for:

Packaging
Shipping
Delivery timelines
Tracking information where available

Delivery obligations remain with the vendor unless fulfilled directly by STONESJOE.

16. Returns & Refunds

Customers may request returns in accordance with:

The vendor’s return policy
STONESJOE Marketplace policies
Applicable Nigerian consumer protection laws

STONESJOE may assist in dispute resolution and reserves the right to make a final marketplace decision where necessary.

17. Customer Conduct

Customers must not:

Abuse vendors
Commit fraud
Create fake accounts
Manipulate reviews
Interfere with marketplace operations

Accounts involved in fraudulent activity may be suspended or terminated.

18. Vendor Conduct

Vendors must not:

Manipulate reviews
Publish misleading listings
Engage in deceptive pricing
Sell prohibited products
Misuse customer information
Contact customers outside the marketplace to bypass STONESJOE

Repeated violations may result in permanent removal.

19. Privacy

Use of STONESJOE is also governed by the Privacy Policy.

Personal information will be processed in accordance with applicable laws and STONESJOE’s privacy practices.

20. Limitation of Liability

STONESJOE provides the marketplace platform “as is.”

Except where required by law, STONESJOE is not liable for:

Vendor misconduct
Product defects
Delivery delays
Indirect losses
Loss of profits

Our liability is limited to the maximum extent permitted under Nigerian law.

21. Changes to These Terms

STONESJOE may modify these Terms from time to time.

Updated Terms become effective upon publication on the website.

Continued use of the platform constitutes acceptance of the revised Terms.

22. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Any disputes shall be subject to the jurisdiction of the Nigerian courts.

23. Contact Information

STONESJOE Marketplace

Email: (update this if you use a different address)

Website: (or your current domain until you migrate)

My recommendation before you publish

You’re moving beyond building a website—you are creating a business that other companies will depend on. Before launch, I recommend preparing six core legal documents together:

Terms & Conditions
Privacy Policy
Vendor Agreement (a separate contract specifically for sellers)
Return & Refund Policy
Shipping & Delivery Policy
Prohibited Products Policy

Keeping the Vendor Agreement separate from the general Terms & Conditions lets you define seller-specific rules—such as commissions, payouts, verification, performance standards, and account suspension—in much greater detail. That’s a common approach for professional marketplaces and will give STONESJOE a stronger legal and operational foundation as it grows.

I need a copy that I can copy and paste on the website

ChatGPT5:02 AM

Absolutely. Below is a polished Terms & Conditions that you can copy and paste directly into your WordPress page. It reflects the marketplace model we’ve been building for STONESJOE.

STONESJOE MARKETPLACE TERMS & CONDITIONS

Effective Date: [Insert Date]

Welcome to STONESJOE Marketplace (“STONESJOE”, “we”, “our”, or “us”).

STONESJOE is a Nigerian multi-vendor e-commerce marketplace that enables customers to shop from multiple independent vendors while also offering products sold directly by STONESJOE.

By accessing, registering, or using our website, you agree to be bound by these Terms and Conditions.

1. About STONESJOE

STONESJOE provides a digital marketplace where businesses can create online stores and customers can purchase products through one secure STONESJOE account.

STONESJOE also operates its own official store and may sell products directly to customers.

Independent vendors are responsible for the products they list and sell.

2. Universal STONESJOE Account

Every customer is required to create a single STONESJOE account.

Your account allows you to:

• Shop from all vendors on the marketplace

• Track all orders

• Save delivery addresses

• View order history

• Receive marketplace updates

• Access future loyalty rewards and promotions

Your STONESJOE account belongs to you and must not be shared with others.

3. Eligibility

To use STONESJOE you must:

• Be at least 18 years old or have legal permission from a parent or guardian.

• Provide accurate and complete information.

• Keep your account information up to date.

We reserve the right to suspend accounts containing false or misleading information.

4. Vendor Registration

Businesses wishing to sell on STONESJOE must provide:

• Business name

• Owner information

• Email address

• Phone number

• Bank account details

• Government-issued identification (where required)

• Any additional information requested during verification

Vendors are responsible for ensuring that all information remains accurate.

5. Product Listings

Products submitted by vendors become visible immediately after publication.

However, STONESJOE continuously monitors listings and reserves the right to:

• Edit listings for formatting or policy compliance

• Hide products

• Remove products

• Suspend vendor accounts

Immediate publication does not constitute permanent approval.

6. Vendor Responsibilities

Each vendor is solely responsible for:

• Product authenticity

• Product quality

• Product descriptions

• Inventory management

• Pricing

• Packaging

• Shipping

• Customer service

• Warranty obligations

• Compliance with Nigerian laws

STONESJOE is not responsible for a vendor’s failure to fulfill these obligations.

7. STONESJOE Official Store

Products sold directly by STONESJOE are clearly identified and fulfilled by STONESJOE.

Customers may purchase products from both STONESJOE and independent vendors.

8. Orders

After an order is placed:

• Vendors should prepare orders promptly.

• Vendors should update order status.

• Customers should receive shipment updates where available.

Repeated failure to fulfill orders may result in account suspension.

9. Payments

Accepted payment methods currently include:

• Bank Transfer

• Paystack

• Flutterwave

• OPay

• PalmPay

Additional payment methods may be introduced in the future.

Orders are processed only after successful payment confirmation unless otherwise stated.

10. Marketplace Commission

STONESJOE earns revenue by deducting an agreed commission from eligible marketplace sales.

Commission rates may vary depending on:

• Vendor plans

• Promotional campaigns

• Marketplace policies

Commission rates may change with prior notice.

11. Vendor Withdrawals

Vendor earnings become available according to the STONESJOE payout schedule.

Before withdrawals are processed, the following may be deducted where applicable:

• Marketplace commissions

• Approved refunds

• Chargebacks

• Applicable service fees

STONESJOE reserves the right to temporarily delay payouts while investigating suspected fraud or policy violations.

12. Buyer Protection

STONESJOE is committed to creating a trusted shopping experience.

Customers benefit from:

• Secure payments

• Verified marketplace accounts

• Order tracking

• Dispute assistance

• Customer support

• Marketplace protection policies

Although STONESJOE assists in dispute resolution, vendors remain responsible for fulfilling their obligations.

13. Off-Platform Transactions

To protect both customers and the integrity of the marketplace:

Vendors must not encourage customers to complete transactions outside STONESJOE for any business relationship that originated on the platform.

Examples include:

• Asking customers to pay outside the official checkout.

• Directing customers to WhatsApp or social media to avoid marketplace commissions.

• Redirecting customers to another website to complete purchases.

Violation of this policy may result in suspension or permanent removal.

14. Prohibited Products

The following products are prohibited:

• Illegal products

• Counterfeit goods

• Fake branded products

• Stolen property

• Narcotics

• Prohibited weapons

• Dangerous chemicals

• Fraudulent products

• Copyright-infringing products

• Any item prohibited under Nigerian law

STONESJOE reserves the right to remove prohibited listings without prior notice.

15. Intellectual Property

Vendors must own or have permission to use all:

• Product images

• Logos

• Videos

• Product descriptions

• Trademarks

16. Shipping

Each vendor is responsible for:

• Packaging

• Shipping

• Delivery timelines

• Shipment tracking where available

Shipping delays caused by vendors remain the responsibility of the vendor.

17. Returns & Refunds

Customers may request returns and refunds in accordance with:

• The vendor’s return policy

• STONESJOE Marketplace policies

• Applicable Nigerian consumer protection laws

STONESJOE may assist in resolving disputes and reserves the right to make the final marketplace decision where necessary.

18. Customer Conduct

Customers must not:

• Commit fraud

• Abuse vendors

• Manipulate reviews

• Create fake accounts

• Interfere with marketplace operations

Violations may result in suspension or permanent account termination.

19. Vendor Conduct

Vendors must not:

• Sell prohibited products

• Misrepresent products

• Manipulate ratings or reviews

• Use customer information for unauthorized marketing

• Contact customers outside STONESJOE to bypass marketplace commissions

Repeated violations may result in permanent removal from the marketplace.

20. Privacy

Your use of STONESJOE is also governed by our Privacy Policy.

By using our services, you consent to the collection and processing of your information in accordance with that policy.

21. Limitation of Liability

STONESJOE provides the marketplace platform on an “as is” and “as available” basis.

To the fullest extent permitted by Nigerian law, STONESJOE shall not be liable for:

• Vendor misconduct

• Product defects

• Delivery delays

• Indirect or consequential losses

• Loss of profits

Nothing in these Terms limits any rights that cannot legally be excluded under applicable law.

22. Changes to These Terms

STONESJOE may update these Terms and Conditions at any time.

Updated versions become effective immediately upon publication.

Continued use of the platform constitutes acceptance of the revised Terms.

23. Governing Law

These Terms shall be governed by the laws of the Federal Republic of Nigeria.

Any disputes shall be be resolved by the courts of Nigeria.

24. Contact Us

STONESJOE Marketplace

Customer Support:

Final Declaration

By creating an account, registering as a vendor, purchasing products, or using any part of STONESJOE Marketplace, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.