Terms of Service

2. Eligibility

You must be at least 18 years of age to create an account on CoSign. By registering, you confirm that you are 18 or older and have the legal capacity to enter into binding contracts under Ghanaian law.

CoSign is currently available to users in Ghana. Access from outside Ghana is not officially supported and may be restricted.

3. Account Registration

To use CoSign you must register with a valid email address and create a secure password. You are responsible for:

• Keeping your login credentials confidential
• All activity that occurs under your account
• Notifying us immediately of any unauthorised access at joincosign@gmail.com

You may not create more than one personal account. We reserve the right to suspend or terminate duplicate or fraudulent accounts.

You must provide accurate, current, and complete information during registration and keep your profile up to date.

4. The CoSign Platform

CoSign is a marketplace that connects buyers and sellers of goods in Ghana. We do not manufacture, own, inspect, or guarantee any product listed on the platform. Sellers are independent third parties responsible for the accuracy of their listings and the quality of goods they sell.

CoSign provides:

• A marketplace listing and discovery platform
• Escrow-protected payment processing via Paystack
• A CoSign Wallet for fast checkout
• In-app buyer–seller messaging
• Buyer protection and dispute resolution services
• Seller identity verification (KYC)

5. Buyer Terms

5.1 Placing Orders

When you place an order on CoSign, you enter into a binding contract of sale with the seller. Your payment is held in escrow and is not released to the seller until you confirm delivery, you give the seller your delivery PIN, or the automatic release time shown on your order passes (see section 5.3).

5.2 Cancellations

You may cancel an order for a full refund at any time before the seller confirms it. If the seller does not confirm within 24 hours of payment, the order is automatically cancelled and refunded. Once the seller has confirmed but not yet shipped, cancellation requires the seller's approval; once the item has shipped, you'll need to initiate a return instead.

5.3 Confirming Delivery

Once you receive your item, you must confirm delivery in the app. For door-to-door and pickup orders you can instead give the seller your 4-digit delivery PIN, which is shown in the app. Confirming delivery or giving your PIN releases the escrow funds to the seller, so only do either once you have received and checked your item, and never share your PIN before then.

If you do not confirm, the escrow funds are automatically released to the seller when the automatic release time shown on your order passes. The time depends on the delivery method. For a door-to-door delivery to a buyer in the same region as the seller, it is 48 hours after the seller marks the order as dispatched. For bus-station deliveries, and door-to-door deliveries to another region, it is 48 hours after the estimated arrival time shown on your order, and never less than 72 hours after dispatch.

Pickup orders are not released automatically. If you do not collect a pickup order within 72 hours of it being marked ready, the order is cancelled and you are refunded. If a seller reports that you collected a pickup order without using your PIN, you have 24 hours to dispute it before payment is released. If your order has not arrived by its estimated arrival time, you can ask once for 24 more hours of protection from the order screen, or report a problem. It is your responsibility to inspect items promptly and raise any issues before confirming delivery or giving your PIN.

5.4 Buyer Tiers

CoSign operates a buyer tier system (New → Regular → Loyal → VIP) based on confirmed order history. Tiers may unlock benefits such as priority support and exclusive offers.

6. Seller Terms

6.1 Seller Eligibility

To sell on CoSign you must complete our KYC (Know Your Customer) verification process, which requires submission of a valid ID (Ghana Card, passport, driver's licence, or voter ID) and a selfie with that ID. Business sellers may also be required to provide business registration documents or a Tax Identification Number (TIN).

6.2 Listings

Sellers are solely responsible for the accuracy, legality, and quality of their listings. Listings must:

• Accurately describe the product, condition (new or used), and any variants
• Use original photos of the actual item being sold
• Price goods in Ghana Cedis (GHS)
• Not include prohibited items (see Section 11)

6.3 Order Fulfilment

Once a buyer places an order, you must:

• Confirm the order within 24 hours
• Ship the item within the shipping window you've set for your store
• Provide dispatch details for the buyer (transport company and station, rider details, or pickup point, depending on delivery method)

Failure to meet these deadlines may result in automatic order cancellation, SLA penalties, and negative impact on your seller score.

6.4 Commission

CoSign charges a commission on each completed sale, calculated on the full order amount (subtotal plus shipping). The rate depends on your seller plan and is shown on your Commission screen; the Seller Terms (section 6) explain plans, fees and cancellation. Commission is deducted from escrow earnings before funds are credited to your seller wallet. No commission is charged on cancelled or fully refunded orders.

6.5 Payouts

Earnings are credited to your CoSign Seller Wallet upon buyer delivery confirmation. You may withdraw to a registered Mobile Money account or bank account at any time. The minimum withdrawal amount is GHS 1.00 (maximum GHS 50,000 per withdrawal). Withdrawals are processed within 1–2 business days.

7. Escrow & Payments

All payments on CoSign are processed through Paystack, a licensed payment processor. Available methods include Mobile Money (MTN MoMo, Telecel Cash, AT Money), debit/credit cards, bank transfer, and CoSign Wallet.

CoSign does not store your card details or MoMo PIN. All payment data is handled securely by Paystack and encrypted in transit.

You must never make or accept payment outside the CoSign app. Any off-platform payment is made entirely at your own risk and is not protected by our escrow system or buyer protection policy.

8. Shipping & Delivery

Sellers set their own shipping rates and timelines, calculated as a flat rate by region rather than by weight. CoSign supports three delivery methods:

• Door-to-door — item delivered to buyer's registered address
• Bus/Transport station — item sent to a transport station for collection
• Buyer pickup — buyer collects from the seller's location or a designated pickup point

CoSign does not operate its own courier service. Sellers use third-party courier services and are responsible for ensuring safe dispatch. CoSign is not liable for loss, damage, or delays caused by third-party couriers.

9. Returns & Refunds

Buyers may request a return within 7 days of delivery confirmation where:

• The item received is significantly different from the listing description
• The item arrived damaged or defective
• The wrong item was sent

Returns are not accepted for change of mind after delivery confirmation, items marked "Final Sale", or damage caused by the buyer. See our full Returns Policy in the Help Centre for the step-by-step process.

Refunds are processed to the buyer's CoSign Wallet (instant) or original payment method (1–3 business days) once a return is approved.

10. Disputes

If a buyer and seller cannot resolve an issue directly, either party may escalate to CoSign's dispute resolution team. The other party has 48 hours to respond with evidence before CoSign's team reviews and decides the case, prioritising more urgent cases first.

CoSign's dispute decision is final and binding. Escrow funds remain frozen during an active dispute. CoSign reserves the right to issue full or partial refunds, release funds to the seller, or split funds at its discretion based on the evidence provided.

11. Prohibited Items & Conduct

The following items may not be listed or sold on CoSign:

• Counterfeit, fake, or replica goods
• Stolen goods or goods of unclear provenance
• Illegal drugs, controlled substances, or paraphernalia
• Weapons, firearms, ammunition, or explosives
• Pornographic or sexually explicit material
• Endangered species or wildlife products
• Items subject to export restrictions or sanctions
• Any item whose sale is prohibited under Ghanaian law

The following conduct is prohibited on CoSign:

• Requesting or making payment outside the CoSign platform
• Creating fake reviews or manipulating ratings
• Impersonating another user or entity
• Using automated tools to scrape or interact with the platform
• Harassment, threats, or abusive behaviour toward other users
• Listing items with the intent to defraud

Violations may result in immediate account suspension or permanent ban.

12. Intellectual Property

CoSign and all related logos, trademarks, design elements, and software are the property of CoSign and its licensors. You may not reproduce, distribute, or create derivative works without our written permission.

By uploading product images or other content to CoSign, you grant us a non-exclusive, royalty-free, worldwide licence to display and use that content for the purpose of operating the platform.

13. Privacy

Your use of CoSign is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data.

14. Disclaimers & Limitation of Liability

CoSign is provided "as is" without warranties of any kind, express or implied. We do not warrant that the platform will be uninterrupted, error-free, or free of viruses.

To the fullest extent permitted by Ghanaian law, CoSign's liability to you for any claim arising from your use of the platform shall not exceed the value of the transaction giving rise to the claim, or GHS 500, whichever is lower.

CoSign is not liable for: (a) indirect or consequential losses; (b) loss of profits or revenue; (c) acts or omissions of third-party sellers, couriers, or payment processors; or (d) force majeure events.

15. Termination

We may suspend or terminate your account at any time if you violate these Terms, engage in fraudulent activity, or if we are required to do so by law. You may delete your account at any time from Settings. Account deletion is subject to a 30-day grace period during which your data is retained before permanent erasure.

Outstanding order obligations must be fulfilled before account closure. Funds in your wallet at the time of closure will be refunded to your registered Mobile Money account.

16. Governing Law

These Terms are governed by the laws of the Republic of Ghana. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Ghana.

17. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes through the app or by email. Continued use of CoSign after changes take effect constitutes your acceptance of the revised Terms.

18. Contact

If you have questions about these Terms, contact us at:

CoSign Support
Email: joincosign@gmail.com
Help Centre: help.sevora.tech (opens in a new tab)