Terms of Service

Welcome to PeerAid. These Terms of Service ("Terms") govern your access to and use of the PeerAid platform, including our website, application, and any related services (collectively, the "Platform"). By registering for an account or using the Platform, you agree to be bound by these Terms.

1. About PeerAid

PeerAid is a peer-to-peer commerce platform operated by PEERAID ENT ("PeerAid", "we", "us") - a registered branch of ESSYS GLOBAL HELP LIMITED, a company registered in Accra Ghana under registration number CS201732018 of the Companies Act 1963 (Act 179) Ghana, with its registered office at 3 ALLOTEI BULLEY RD DANSOMAN ACCRA.

PeerAid connects suppliers, storefront owners, and retailers in a mobile-money-powered marketplace. PeerAid is not a party to any transaction between buyers and sellers on the Platform. We provide the infrastructure that allows these transactions to occur and the mechanisms by which commissions are calculated and paid.

2. Eligibility

• •You must be at least 18 years old and legally capable of entering into binding contracts.
• •You must be a resident of Ghana and use a Ghana-registered mobile money number for transactions.
• •You must not have been previously suspended or banned from PeerAid.

3. Account Types

PeerAid offers three account types:

• StoreOwner — full access. Can sell from their storefront, supply products, build a multi-level team, and progress to Level 5.
• Retailer — sales-focused. Can sell from their storefront and earn tier bonuses, but cannot supply products or build a team. Permanently capped at Level 1 after activation.
• Supplier — products-focused. Can submit products for sale across all storefronts, but cannot build a team. Permanently capped at Level 1 after activation.

Your account type is selected at registration and cannot be changed.

4. Account Registration and Security

• •One account per person per phone number. Duplicate account is allowed through subaccount creation only.
• •You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• •You may change your username a maximum of two (2) times.
• •Sessions expire 24 hours after login. You will be required to re-authenticate.
• •Level 0 accounts that do not purchase an entry package within three (3) days of registration are automatically deleted.

5. Prohibited Products and Conduct

You may not list, sell, or facilitate the sale of:

• ✗Human consumables, food, or any product requiring regulated handling
• ✗Illegal goods, weapons, drugs, or counterfeit items
• ✗Adult content, gambling services, or financial instruments
• ✗Anything that violates Ghanaian law or applicable regulations

You may not:

• ✗Manipulate commissions, use multiple accounts to circumvent limits, or engage in referral fraud
• ✗Post false information in product listings, reviews, or support messages
• ✗Interfere with the Platform's operation, reverse-engineer, or attempt unauthorized access

6. Orders, Payments, and Delivery

• •Buyers pay via MTN, Telecel, or AirtelTigo mobile money. Payment must reference the exact amount and reference code provided at checkout.
• •Physical products are fulfilled by the product's submitter, who must mark them as delivered within the timeline set by PeerAid.
• •Digital products (data bundles, airtime etc.) are fulfilled automatically via integrated providers. Delivery is confirmed by the provider or by PeerAid's reconciliation.
• •Buyers must confirm receipt of physical products. Once confirmed, the transaction is final and commissions are released.
• •Buyers may dispute a delivery within the confirmation window. PeerAid will mediate in good faith.

7. Commissions and Earnings

• •Commissions are credited to your PeerAid wallet upon delivery confirmation of the underlying order.
• •Store sale commissions, supplier income, and team commissions are set per-product by PeerAid administrators and are visible in your dashboard.
• •Team commissions extend up to ten (10) generations of uplines for StoreOwner accounts.
• •Retailers may earn an additional tier bonus based on rolling 30-day delivered sales volume, paid from the platform's share of profit.

8. Team Structure and Upline

• •Your referral link becomes active upon reaching Level 1.
• •You may approve or decline upgrade requests from your downline.
• •If your upline is unresponsive, you may bypass to admin after the designated call-timer window.
• •Forced upgrades, maintenance fees, and account blocking are governed by PeerAid's published policies and are visible in your dashboard.

9. Subscriptions and Upgrades

• •Entry packages (Level 1) and upgrade packages (Levels 2-5) activate your account and unlock earning streams.
• •Store subscriptions are required for product sellers and renew monthly. You may renew at any time.
• •Package approvals result in a permanent level change. Downgrade requests are not supported.
• •Refund eligibility for packages and subscriptions is governed by our Refund Policy.

10. Withdrawals

• •You may withdraw your available wallet balance to a mobile money number.
• •Withdrawals are processed by PeerAid staff, typically within 24 hours of approval.
• •Withdrawals to a number other than your saved momo number require a verification code sent to your registered phone.

11. Account Suspension and Termination

We may suspend or terminate your account if you:

• •Violate these Terms
• •Engage in fraud or abuse
• •Fail to upgrade or maintain the required status (forced upgrade, auto-blocking)
• •Are blocked manually by a PeerAid administrator

Suspended accounts may retain their pending balances at PeerAid's discretion, pending investigation.

12. Dispute Resolution

• •If you have a dispute with another user, contact PeerAid support first. We will mediate in good faith.
• •Disputes that cannot be resolved internally will be resolved under the laws of GHANA.
• •Nothing in these Terms limits your right to seek redress from any applicable regulatory body.

13. Intellectual Property

The PeerAid name, logo, software, and content are owned by PEERAID ENT. You may not copy, modify, or use them without written permission.

You retain ownership of content you upload (product descriptions, images), but grant PeerAid a non-exclusive, royalty-free license to display and distribute that content on the Platform for the purpose of operating the marketplace.

14. Limitation of Liability

PeerAid provides the Platform "as is". To the maximum extent permitted by law, PeerAid is not liable for:

• •Losses arising from transactions between users
• •Failures of third-party providers (telecoms, momo, delivery)
• •Service interruptions, data loss, or unauthorized access beyond our reasonable control

Our aggregate liability to you will not exceed the total commissions PeerAid has credited to your wallet in the twelve (12) months preceding the claim.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be announced on the Platform. Continued use of the Platform after an update constitutes acceptance of the revised Terms.

16. Governing Law

These Terms are governed by the laws of GHANA and the courts of GHANA have exclusive jurisdiction over any dispute arising from these Terms or your use of the Platform, without regard to conflict-of-laws principles.