Terms of Service

Welcome to SellWYK. These Terms of Service (“Terms”) govern your access to and use of the SellWYK platform: the websites at sellwyk.com and app.sellwyk.com, the SellWYK mobile applications, and any related services we operate (together, the “Service”). The Service is provided by SellWYK (“SellWYK”, “we”, “us”).

By creating an account or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility & account

You must be at least 16 years old to create a SellWYK account. If you create an account on behalf of a business, you confirm that you have authority to bind that business to these Terms.

You are responsible for the activity on your account, for keeping your sign-in credentials secret, and for promptly notifying us at support@sellwyk.com if you suspect unauthorised access. SellWYK is not liable for losses arising from your failure to keep your account secure.

You must provide accurate information when you sign up, including a real email address we can reach you on. Accounts created with intentionally false information may be suspended or closed.

2. The Service in brief

SellWYK is an online course marketplace. We provide:

• Learners: the ability to browse, enrol in, pay for, and consume courses, ebooks, and digital downloads published by sellers.
• Sellers: the ability to publish courses and digital products, receive payment for them, and access tooling (analytics, certificates, language tracks).
• SellWYK Official: in-house courses produced by SellWYK itself.

SellWYK acts as a marketplace operator. Except for SellWYK Official content, SellWYK does not author, vet line-by-line, or guarantee the quality of every course on the platform. Course content is the responsibility of the seller who published it.

3. Buying courses (learners)

Pricing & currency

Prices are set by each seller and shown to you in your preferred display currency where available. The amount your card or mobile-money provider is charged may include foreign- exchange rounding; the amount the seller is paid is calculated separately according to our seller terms (Section 5).

Payment processing

Payments are processed by a regulated third-party payment provider. Your card details and mobile-wallet credentials are entered directly with the provider; SellWYK does not see or store them. Each payment is also subject to the provider’s own terms.

Access & download

Successful payment grants you a non-exclusive, non-transferable, revocable licence to access the course or product for personal, non-commercial use. You may not resell, redistribute, sublicense, or publicly display the content. Downloadable files (ebooks, digital download bundles) may be saved for your own use; the licence ends if your account is terminated for breach.

Refunds

Digital content is final-sale. Because course access begins immediately on purchase, all sales are non-refundable except where:

• The course content is materially mis-described, broken, or unavailable for a sustained period;
• The same purchase was charged twice through a payment-provider error; or
• Required by applicable consumer-protection law in your jurisdiction.

To request a refund, email support@sellwyk.com within 14 days of purchase with your order reference and a clear description of the issue. We review each request on its merits and refund through the original payment method.

4. Course completion & certificates

When a course advertises a certificate, SellWYK issues a personalised PDF certificate to the learner upon course completion (all video lessons marked complete). The certificate is a record that you completed that specific course on SellWYK; it is not an academic qualification, professional licence, or accredited credential unless the seller explicitly says so on the course page.

5. Selling on SellWYK

Seller account & approval

To sell, you must register a seller account and be approved. We may decline or revoke seller status at our discretion, including if your content violates these Terms or applicable law.

Plans, commissions & processing fees

SellWYK offers seller plans (Free, Starter, Pro, Gold) with the pricing and entitlements published in your seller dashboard at the time you subscribe. We may revise pricing or entitlements with at least 30 days’ notice; the changes take effect at your next renewal.

A platform commission is deducted from each sale according to your active plan (Free tier carries a commission; paid tiers do not). A payment-processing fee is also deducted on every sale to cover provider costs. Both deductions are itemised in your seller dashboard. Ebooks carry a 0% platform commission on every tier; the processing fee still applies.

Payouts

Earnings settle 7 days after the customer is charged (the “holdback period”). We disburse pending balances via the supported bank or mobile-wallet account you set up in your seller profile. Disbursement is initiated weekly via our automated cycle, or on request once your balance clears the manual-request threshold shown on the dashboard.

Seller content & IP

You retain ownership of the courses, lessons, files, and other content you publish (“Seller Content”). You grant SellWYK a worldwide, non-exclusive, royalty-free licence to host, store, transcode, distribute, and display your Seller Content for the purpose of operating the Service: including across our website, mobile apps, marketing previews, and email communications about the Service. This licence is revocable when you remove the content from the platform, except for cached copies in delivery infrastructure (which we purge within reasonable operational timeframes) and the records we are legally required to keep.

You warrant and represent that:

• You own or have all necessary rights to your Seller Content;
• Your content does not infringe any third-party intellectual property right;
• Your content is your own original work, or you have explicit, documented permission to redistribute it; and
• Your content does not contain unlawful, defamatory, sexually explicit, hateful, or otherwise prohibited material (Section 7).

We may, at our discretion, take down content that we reasonably believe violates these Terms or applicable law, including in response to a valid takedown notice. We will give you reasonable opportunity to respond unless an immediate take-down is required to prevent harm.

Seller-buyer disputes

Where a buyer raises a refund or quality dispute with you directly, you must engage with them in good faith. SellWYK may, at our discretion, intervene as marketplace operator and credit a refund from your balance where the buyer’s claim is reasonable. Repeated unresolved disputes may affect your account standing.

6. Acceptable use

You agree not to:

• Publish or distribute content that is illegal, defamatory, threatening, harassing, obscene, or that promotes discrimination or violence;
• Publish content that infringes any patent, trademark, trade secret, copyright, right of publicity, or other right of any party;
• Use the Service to send spam, chain mail, or unsolicited marketing communications;
• Probe, scan, or test the vulnerability of the Service; circumvent our authentication, content-protection, or rate-limiting systems; or scrape the platform programmatically in a way that materially burdens our infrastructure;
• Reverse-engineer, decompile, or otherwise attempt to extract source code from SellWYK, except to the extent the law expressly permits;
• Impersonate any person or misrepresent your affiliation with any person or organisation (including any name reserved by SellWYK itself);
• Use the Service to launder money or finance criminal activity; or
• Resell, redistribute, or commercially exploit content you purchased without the seller’s explicit written permission.

7. Prohibited course content

We do not host courses or materials that promote: child sexual abuse material, terrorism, self-harm, fraud schemes (e.g., “guaranteed get-rich” pitches with no real methodology), illegal drugs, weapons trafficking, hacking targeted at others, deceptive health claims, or content that violates applicable laws of Ghana or any other jurisdiction we operate in. We reserve the right to remove such content immediately and to terminate the responsible seller’s account.

8. Reporting violations & takedowns

If you believe content on SellWYK infringes your intellectual property right or violates these Terms, email support@sellwyk.com with the URL, a description of the issue, evidence of ownership where applicable, and your contact details. We investigate every notice we receive in good faith and respond within a reasonable time.

9. Termination

You may close your account at any time from your account settings or by emailing us. We may suspend or terminate your account, with or without notice, if you breach these Terms or if we are required to by law. On termination:

• Your right to access the Service ends immediately;
• Pending seller payouts remain payable (after holdback) provided you have not breached these Terms in a way that justifies forfeiture;
• Your purchased courses remain accessible only while your learner account is active; you do not retain a perpetual right of access after termination.

10. Service availability & changes

We work to keep SellWYK available, but we do not guarantee uninterrupted service. We may schedule maintenance, change features, retire features, or upgrade infrastructure at any time. For material changes that adversely affect your use, we will give you reasonable notice.

11. Disclaimers

The Service is provided on an “as is” and “as available” basis, to the maximum extent permitted by law. SellWYK does not warrant that the Service will be error-free, secure, or uninterrupted; that defects will be corrected; or that the Service or the servers that make it available are free of viruses or other harmful components.

SellWYK does not endorse, certify, or guarantee any course, instructor, or seller profile. Learning outcomes depend on factors outside our control. Course content (especially in areas like finance, health, and law) is for informational purposes only and is not a substitute for professional advice. You rely on it at your own risk.

12. Limitation of liability

To the maximum extent permitted by law, SellWYK and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or other intangible losses, resulting from:

• your access to, use of, or inability to use the Service;
• any conduct or content of any third party on the Service (including any seller);
• any content obtained from the Service; or
• unauthorised access, use, or alteration of your transmissions or content.

Our total aggregate liability to you for any claim arising from or related to these Terms or the Service is limited to the greater of (a) the amounts you paid to SellWYK in the 12 months immediately preceding the event giving rise to the claim, or (b) GHS 1,000.

13. Indemnification

You agree to defend, indemnify, and hold harmless SellWYK and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to legal fees) arising from your breach of these Terms, your violation of any third-party right (including any intellectual property or privacy right), or your Seller Content. SellWYK reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you will fully cooperate with us.

14. Governing law & dispute resolution

These Terms are governed by the laws of the Republic of Ghana, without regard to its conflict-of-law principles. Any dispute arising out of or in connection with these Terms or the Service that cannot be resolved through good-faith negotiation will be submitted to the exclusive jurisdiction of the courts of Accra, Ghana.

If you are using the Service from outside Ghana, you remain responsible for compliance with the laws of your jurisdiction. Nothing in this section limits any non-waivable consumer-protection rights you may have under local law.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the effective date above and, for material changes, notify you by email or in the app. Your continued use of the Service after the revised Terms take effect constitutes acceptance of the changes. If you do not agree with a change, you must stop using the Service.

16. Miscellaneous

These Terms (together with the Privacy Policy and any other notices we publish) are the entire agreement between you and SellWYK relating to the Service. If any provision is held unenforceable, the remaining provisions stay in full effect. Our failure to enforce any right is not a waiver. You may not assign or transfer these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of our assets.

17. Contact

Questions about these Terms: support@sellwyk.com.