Terms, privacy & the merchant agreement.

Privacy Policy

This explains what information Silq collects, why, and what we do and don't do with it.

What we collect

• Account details — your name, phone number and, optionally, email, used to set up and secure your account.
• Business details — your business name, type, location and the channels you connect (WhatsApp, Instagram).
• Order & transaction data — items, amounts, payment confirmations and customer contact details, processed on your behalf so we can run your orders and reconcile your money.
• Messages routed through connected channels — only as needed for the AI to read and respond to orders.

How we use it

To operate the service: capture orders, match payments, surface your dashboard and notify you of activity. We use aggregated, de-identified data to improve how the AI understands orders. We do not use the contents of your conversations to advertise to you.

Who we share it with

Only the processors needed to run Silq, for example payment and messaging providers, under strict agreements. We never sell your data, and we never sell your customer list.

Retention & your rights

We keep your data for as long as your account is active, plus any period the law requires for financial records. You can request a copy of your data, ask us to correct it, or close your account and have personal data deleted. Reach us any time through the in-app chat or at privacy@silq.africa.

Terms of Service

These are the rules for using Silq. By creating an account you agree to them.

Eligibility & your account

You must be able to enter a binding agreement and operate a real business. You're responsible for activity under your account and for keeping your sign-in secure. Verified-owner actions, like moving money, stay tied to the owner's identity.

Acceptable use

• Use Silq only for lawful business and for goods and services you're permitted to sell.
• Don't misrepresent your business, abuse the AI, or attempt to access another business's data.
• Don't use Silq to send spam or to handle payments for someone else's unverified business.

Fees & billing

Silq is free during the closed beta. When paid plans begin, pricing is a clear monthly subscription plus a low per-transaction fee, shown to you before anything is charged. You can cancel at any time; there's no lock-in.

The service, as-is

We work hard to keep Silq reliable and offline-resilient, but we provide it "as is" and can't guarantee uninterrupted service. To the extent the law allows, our liability is limited to the fees you paid us in the prior three months. We may update these terms; we'll tell you before material changes take effect.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria.

Merchant Agreement

Extra terms that apply because Silq handles real orders and real money on your behalf.

Verification

Every merchant is verified before going live, a physical visit confirms the business is real and where it says it is, and the account is bound to the owner's verified identity. Verification can be re-checked, and listings found to be false are removed.

Money & payouts

• Funds are yours. Payments settle to the business owner's own bank account, not a pooled Silq wallet.
• Withdrawals and refund approvals are owner-controlled by default and always require an online, verified action; they're never queued blindly offline.
• Payouts follow the timelines of the connected payment processor; we'll always show you a clear, reconciled record.

Your responsibilities

• Keep your menu, prices and availability accurate so the AI and customers see the truth.
• Fulfil the orders you accept, and handle complaints, refunds and exchanges fairly.
• Comply with the laws and licences that apply to your trade (for example, pharmacy or food-safety rules).

Suspension & termination

We may suspend an account for suspected fraud, repeated complaints, or breaches of these terms, and we'll explain why. You can close your account at any time; settled funds remain yours and outstanding obligations survive closure.