Umoja

Last updated: [date pending legal review]

This page is a design shell only. Every section below is placeholder copy standing in for real legal text, not final content. Needs an actual lawyer's pass before launch.

On this page

1. Using Umoja2. Creator responsibilities3. Payments and MoMo4. Refunds and disputes5. Account suspension

1. Using Umoja

[Placeholder] By creating an account, you agree to use Umoja to buy and sell digital knowledge products in good faith. This section will cover eligibility, account ownership, and acceptable use.

2. Creator responsibilities

[Placeholder] Creators are responsible for the accuracy of what they list, the content they deliver, and responding to buyers in reasonable time. This section will cover content ownership and platform fees.

3. Payments and MoMo

[Placeholder] Umoja processes payments through MTN Mobile Money. This section will cover how funds move, what Umoja's cut is, and payout timing.

4. Refunds and disputes

[Placeholder] This section will define what qualifies for a refund, the request window, and how disputes between buyers and creators get resolved.

5. Account suspension

[Placeholder] This section will cover the conditions under which Umoja may suspend or remove an account, and how to appeal.

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