Terms and Conditions

1. DEFINITIONS AND INTERPRETATION

1.1 Definitions

In these Terms and Conditions, unless the context otherwise requires:

"Stika" or "Platform" means the mobile advertising marketplace operated by [COMPANY NAME]
"Agency" means advertising agencies that create and manage campaigns on the Platform
"Client" means businesses that engage Agencies to run advertising campaigns
"Rider" means tricycle operators who display advertisements through the Platform
"Fleet Owner" means entities that manage multiple Riders
"Campaign" means advertising campaigns created through the Platform
"Geofence" means virtual geographic boundaries used for campaign targeting
"PPA" means Preferred Partner Agency with special benefits and obligations
"Services" means all services provided through the Platform

2. ACCEPTANCE OF TERMS

2.1 Agreement to Terms

By accessing, registering for, or using the Stika Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

2.2 Capacity to Contract

You represent and warrant that:

You are at least 18 years of age
You have the legal capacity to enter into binding contracts
If representing a business entity, you have authority to bind that entity
Your use of the Platform complies with applicable laws and regulations

3. PLATFORM SERVICES

3.1 Service Description

Stika operates a B2B2B marketplace that connects advertising agencies, clients, and tricycle-based mobile advertising service providers across Nigeria. Our services include:

Campaign creation and management tools
Geofence-based targeting and analytics
Real-time GPS tracking and verification
Automated payment processing
Performance analytics and reporting
Multi-party funding and commission management

3.2 User Categories

Agencies: Primary platform users with full campaign management access, white-label capabilities, and client management tools.

Clients: End advertisers who may have view-only access to their campaigns managed by Agencies.

Riders: Service providers who display advertisements on tricycles and earn compensation based on verified performance.

Fleet Owners: Managers of multiple Riders who receive commissions and provide fleet management services.

4. REGISTRATION AND ACCOUNTS

4.1 Account Registration

To use the Platform, you must create an account by providing accurate, complete, and current information. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Immediately notifying us of any unauthorized use
Ensuring your account information remains accurate and up-to-date

4.2 Account Verification

We may require verification of your identity, business credentials, or other information before granting full platform access. Verification requirements may include:

Government-issued identification
Business registration documents
Bank account verification
Professional references or credentials

5. FINANCIAL TERMS AND PAYMENTS

5.1 Platform Fees

Stika charges the following fees:

Campaign Platform Fee: 5% of total campaign budget (standard rate)
Rider Platform Fee: 5% deducted from rider earnings
Verification Fees: ₦50 per verification for certain campaign types
Fleet Commission: 5% default commission rate of rider earnings for Fleet Owner services (customizable per rider)

5.2 Preferred Partner Agency (PPA) Program

PPAs receive special benefits including:

0% platform fees on all campaigns
Automatic client routing for their geographic coverage area
Enhanced analytics and priority support
Geographic exclusivity (one PPA per city/region)

5.3 Payment Processing

All campaigns must be fully funded before launch. We process payments through multiple Nigerian payment providers and maintain automated settlement systems for weekly rider payments and monthly fleet owner payouts.

5.4 Fleet Owner Commission Structure

Fleet Owners who manage multiple Riders receive commissions as follows:

Default Commission Rate: 5% of rider earnings
Customizable Rates: Fleet Owners can set different commission rates for each individual rider
Payment Schedule: Commissions are paid monthly along with rider settlements
Transparency: All commission rates are clearly disclosed to riders before relationship establishment

5.5 Fleet Owner - Rider Relationship Termination

The relationship between Fleet Owners and Riders operates under the following terms:

Voluntary Termination: Either party (Fleet Owner or Rider) may terminate the relationship at any time
No Third-Party Approval Required: Termination does not require approval from Stika or any other party
Immediate Effect: Termination takes effect immediately upon notification
Final Settlement: All outstanding earnings and commissions must be settled within 7 days of termination
Platform Access: Riders retain independent access to the Stika platform regardless of Fleet Owner relationship status

5.6 Refunds and Disputes

Platform fees are non-refundable once campaigns are launched. Unused campaign funds may be refunded subject to our refund policy. Payment disputes must be reported within 30 days of the transaction.

6. USER OBLIGATIONS AND CONDUCT

6.1 General Obligations

All users must:

Comply with all applicable laws and regulations
Provide accurate and truthful information
Respect intellectual property rights
Maintain professional conduct in all interactions
Report suspected fraud or policy violations

6.2 Prohibited Activities

Users are prohibited from:

Uploading false, misleading, or harmful content
Attempting to circumvent platform security measures
Engaging in fraudulent verification or gaming activities
Interfering with other users' legitimate platform use
Violating advertising standards or content policies
Creating campaigns that promote prostitution, gambling, lottery, alcoholic products, illegal drugs, nightclubs, or any other activity declared illegal under Nigerian law

6.3 Rider-Specific Obligations

Riders must:

Maintain valid tricycle operation permits
Install and maintain advertisements as specified
Respond to verification requests within specified timeframes
Operate within designated geofence areas during campaign periods
Fulfill minimum participation requirements as outlined in Section 6.4

6.4 Campaign Participation and Exit Policy

Riders who join campaign geofences are subject to the following participation requirements:

Minimum Participation Duration

50% Rule: Riders must participate for at least 50% of their total available time in a geofence before being eligible to leave
Calculation: Available time is calculated from the rider's join date to the campaign's end date
Example: If a rider joins a 20-day campaign on day 5, they have 15 available days and must stay for at least 7.5 days before leaving
Enforcement: Early departure requests will be automatically rejected by the system until minimum duration is met

Geofence Exit Process

Riders may request to leave geofences through the mobile application
The system will validate minimum participation requirements before processing the request
Upon successful departure, rider status is updated and geofence capacity is adjusted
Riders become available for new campaign assignments after leaving

Campaign Assignment Management

Riders may participate in multiple geofences within a single campaign
Leaving one geofence does not automatically terminate the entire campaign assignment
Campaign assignment is only terminated when the rider leaves all associated geofences
All departures are logged for audit and performance tracking purposes

7. VERIFICATION AND PERFORMANCE MONITORING

7.1 Verification System

Our verification system uses computer vision technology to ensure advertisement compliance. Verification requests are triggered randomly and must be completed within 5-10 minutes.

7.2 Anti-Gaming Measures

We employ sophisticated anti-gaming measures including:

GPS location validation with movement requirements
EXIF data and image authenticity verification
Suspicious activity pattern detection
Manual review processes for disputed verifications

7.3 Performance Standards

Riders must maintain minimum performance standards including verification response rates, compliance scores, and geographic coverage requirements.

8. INTELLECTUAL PROPERTY

8.1 Platform Intellectual Property

Stika retains all rights to platform technology, algorithms, software, trademarks, and proprietary systems. Users are granted a limited, non-exclusive license to use the Platform for its intended purposes.

8.2 User Content

Users retain ownership of content they upload but grant Stika a license to use, display, and process such content for platform operations. Users are responsible for ensuring they have rights to all uploaded content.

8.3 Proprietary Analytics

Data analytics, performance insights, and market intelligence generated by the Platform remain Stika's proprietary information, even when derived from user activities.

9. DATA PRIVACY AND PROTECTION

9.1 Data Collection

We collect and process personal and business data as described in our Privacy Policy, including location data, performance metrics, and transaction information.

9.2 Data Security

We implement industry-standard security measures to protect user data, including encryption, access controls, and audit trails.

9.3 Data Retention

We retain user data for operational, legal, and analytical purposes as outlined in our Privacy Policy and applicable data protection laws.

10. LIMITATION OF LIABILITY

10.1 Service Availability

While we strive for high availability, we do not guarantee uninterrupted service and are not liable for service interruptions, system maintenance, or technical issues.

10.2 Limitation of Damages

To the maximum extent permitted by law, Stika's liability is limited to the amount of fees paid by the user in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages.

10.3 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or infrastructure failures.

11. TERMINATION

11.1 Termination Rights

Either party may terminate these Terms with 30 days' written notice. We may immediately terminate or suspend access for violations of these Terms or applicable laws.

11.2 Effect of Termination

Upon termination:

All user rights to access the Platform cease immediately
Outstanding financial obligations remain due
Active campaigns may be completed at our discretion
Data retention follows our Privacy Policy

12. DISPUTE RESOLUTION

12.1 Informal Resolution

We encourage users to first attempt informal resolution of disputes through our support channels.

12.2 Binding Arbitration

Disputes that cannot be resolved informally shall be resolved through binding arbitration under Nigerian law, conducted in Lagos, Nigeria.

12.3 Class Action Waiver

Users waive the right to participate in class action lawsuits against Stika.

13. GOVERNING LAW

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of Nigerian courts.

14. MODIFICATIONS TO TERMS

We may modify these Terms at any time by posting updated terms on the Platform. Continued use after modifications constitutes acceptance of the new terms. Material changes will be communicated with 30 days' advance notice.

15. MISCELLANEOUS

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between the parties.

15.2 Severability

If any provision is deemed invalid, the remaining provisions shall remain in full force and effect.

15.3 Assignment

Users may not assign their rights under these Terms without our prior written consent. We may assign our rights at any time.

Last Updated: September 2025

Version: 1.0