Legal Policies

Zyleme Privacy Policy

Personal information, data protection, marketing, analytics and user rights.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. Information We Collect
• 3. How We Use Personal Information
• 4. Legal Bases and Consent
• 5. Sharing of Information
• 6. International Transfers
• 7. Data Retention
• 8. Security
• 9. User Rights and Choices
• 10. Marketing, WhatsApp, SMS and Email
• 11. Minors
• 12. AI, Analytics and Personalization
• 13. Changes to this Privacy Policy
• 14. Contact

1. Purpose and Scope

This Privacy Policy explains how Zyleme collects, uses, stores, shares, transfers and protects personal information when customers, merchants, visitors, partners or users access Zyleme's website, mobile app, marketplace, wallet, support channels, WhatsApp services, SMS services, email communications, merchant tools, APIs and related services.

This Policy is intended to support compliance with applicable privacy and data protection laws, including Ghana's Data Protection Act, 2012 (Act 843), and other privacy laws that may apply depending on the user's location or the nature of the processing.

2. Information We Collect

Zyleme may collect information directly from users, automatically through technology, from merchants and service providers, from payment and logistics partners, and from publicly available or authorized sources.

2.1 Account and Identity Information

Name, phone number, email address, username and password or login credentials.

Delivery address, landmarks, recipient details and contact preferences.

Identification or verification documents where needed for fraud prevention, high-value orders, customs, legal compliance or merchant onboarding.

2.2 Order, Payment and Wallet Information

Products searched, pasted, quoted, ordered, cancelled, returned or delivered.

Order value, payment method, wallet balance, refund credits, promotional credits and transaction history.

Limited payment details from payment processors. Zyleme does not intentionally store full card numbers where payment processing is handled by compliant third-party processors.

2.3 Device, Usage and Technical Information

IP address, browser type, device type, operating system, identifiers, app version and referring pages.

Pages viewed, buttons clicked, search terms, cart activity, checkout behavior, session data and error logs.

Cookies, pixels, tags, local storage and similar technologies as described in the Cookie Policy.

2.4 Communications

Customer support messages, WhatsApp chats, emails, SMS messages, call notes, complaint history and survey responses.

Messages sent to or from Zyleme for order updates, marketing, service notices, verification and support.

3. How We Use Personal Information

Zyleme uses personal information to provide, improve, secure and personalize its services.

Create and manage accounts.

Generate quotes, process orders, purchase items on behalf of customers and coordinate shipping.

Process payments, wallet credits, refunds, commissions, merchant payouts and fraud checks.

Provide order tracking, delivery updates, customer support and dispute resolution.

Detect, investigate and prevent fraud, abuse, chargebacks, account takeover and prohibited activity.

Improve pricing, product discovery, logistics estimates, seller reliability scoring and customer experience.

Send service messages, marketing messages, promotions and reminders subject to opt-out rights where required.

Comply with legal, tax, customs, sanctions, export control, recordkeeping and regulatory obligations.

4. Legal Bases and Consent

Depending on the applicable law and context, Zyleme may process personal information based on contract performance, consent, legitimate business interests, legal obligations, fraud prevention, protection of rights, or another lawful basis recognized by applicable law.

Where consent is required, Zyleme will seek consent in a manner appropriate to the service. Users may withdraw consent where legally permitted, but withdrawal may affect the ability to use certain services.

5. Sharing of Information

Zyleme may share information with third parties only as reasonably necessary to operate, secure and improve the services, or as required by law.

Sellers and merchants when needed to purchase, resolve, return or verify an order.

Payment processors, banks, mobile money providers and fraud-prevention vendors.

Warehouse operators, freight forwarders, customs brokers, delivery partners, couriers and logistics providers.

Technology providers, cloud hosting providers, analytics providers, customer support tools and communication platforms.

Professional advisers, auditors, insurers, legal counsel and regulators.

Law enforcement, customs authorities, tax authorities or other government bodies where required or reasonably necessary.

6. International Transfers

Zyleme operates across borders and may transfer, store or process personal information in countries other than the user's country of residence. These countries may have different data protection laws.

Where required, Zyleme will use reasonable safeguards for cross-border transfers, including contractual protections, access controls, vendor due diligence and other measures appropriate to the risk.

7. Data Retention

Zyleme retains personal information for as long as reasonably necessary to provide services, complete transactions, resolve disputes, prevent fraud, comply with legal obligations, maintain accounting records, enforce terms and protect Zyleme's rights.

Data retention periods may differ based on the type of information, legal requirements, operational needs and risk considerations.

8. Security

Zyleme uses commercially reasonable technical, administrative and organizational measures designed to protect personal information against unauthorized access, disclosure, alteration, misuse or loss.

No internet, mobile, email or electronic storage system is perfectly secure. Users are responsible for keeping passwords confidential, using secure devices and notifying Zyleme promptly of suspected unauthorized account activity.

9. User Rights and Choices

Depending on applicable law, users may have rights to access, correct, update, delete, restrict, object to or receive a copy of certain personal information. Users may also have the right to opt out of certain marketing communications.

Requests may be submitted to Zyleme support. Zyleme may need to verify identity before responding and may refuse or limit requests where permitted by law, including where retention is required for legal, fraud, tax, accounting, customs or dispute-resolution purposes.

10. Marketing, WhatsApp, SMS and Email

By using Zyleme, users agree that Zyleme may send service-related communications by email, SMS, WhatsApp, phone, push notification or other channels. Service messages may include order confirmations, payment reminders, delivery updates, verification notices, security alerts and support messages.

Zyleme may also send promotional messages where permitted by law or based on user consent. Users may opt out of marketing messages using available unsubscribe or opt-out methods. Opting out of marketing does not stop necessary service communications.

11. Minors

Zyleme services are not intended for children under the age required by applicable law to form binding contracts. Users must not provide personal information of children without appropriate authority. Zyleme may delete accounts or data where it reasonably believes a minor has used the services without required consent.

12. AI, Analytics and Personalization

Zyleme may use order history, browsing behavior, pricing data, delivery data, support interactions and other platform data to provide recommendations, fraud detection, customer support, logistics estimates, product suggestions, demand forecasting and other analytics or AI-supported features.

AI-generated information is provided for convenience and may be incomplete or inaccurate. Users remain responsible for reviewing product selections, prices, seller information and order details before payment.

13. Changes to this Privacy Policy

Zyleme may update this Privacy Policy from time to time. Updated versions will be posted on the platform with a new effective date. Continued use of the services after changes become effective constitutes acceptance where permitted by law.

14. Contact

Privacy questions may be sent to support@zyleme.com. Zyleme may designate additional privacy contacts, data protection contacts or request forms as required by law.

End of document.

Zyleme Wallet Policy

Wallet balance, credits, rewards, non-refundability and payment use rules.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. Wallet Nature and Use
• 3. Non-Refundable and Non-Withdrawable Wallet Funds
• 4. Funding the Wallet
• 5. Currency and Conversion
• 6. Promotional Credits, Rewards and Bonuses
• 7. Refunds to Wallet
• 8. Wallet Restrictions
• 9. Errors and Adjustments
• 10. Account Closure and Inactivity
• 11. Fraud, Chargebacks and Abuse
• 12. Contact

1. Purpose and Scope

This Wallet Policy governs the use of Zyleme Wallet, Zyleme Balance, store credits, promotional credits, refunds issued as credits, loyalty balances and any other stored-value feature offered by Zyleme unless a separate written agreement applies.

The Wallet is designed to make purchases of goods and services on Zyleme easier. It is not a bank account, savings account, deposit account, investment product, remittance product or money-transfer service.

2. Wallet Nature and Use

Funds, credits or balances placed in the Wallet may only be used to pay for eligible goods, services, shipping, handling, customs, fees, subscriptions or other approved charges on the Zyleme platform.

Wallet funds are not cash.

Wallet funds are not transferable unless Zyleme expressly permits transfer.

Wallet funds do not earn interest.

Wallet funds cannot be pledged, assigned or used outside Zyleme.

3. Non-Refundable and Non-Withdrawable Wallet Funds

Except where required by applicable law or expressly approved by Zyleme in writing, Wallet funds are non-refundable, non-withdrawable and not redeemable for cash, mobile money, bank transfer or any external payment method.

Customers should only fund their Wallet with amounts they intend to use for purchases on Zyleme. Zyleme may refuse requests to withdraw Wallet balances except where legally required.

4. Funding the Wallet

Customers may be allowed to fund the Wallet by card, mobile money, bank transfer, promotional credit, refund credit, reconciliation credit, loyalty credit or other method approved by Zyleme.

Wallet funding may be subject to verification, limits, fraud checks, processing delays, currency rules, fees or reversal if the funding source fails, is disputed, is fraudulent or is reversed by the payment provider.

5. Currency and Conversion

Wallet balances may be displayed or denominated in Ghana cedis, U.S. dollars or another currency supported by Zyleme. Currency conversion rates, foreign exchange spreads and rounding methods may be set by Zyleme or its payment partners.

Where a Wallet balance is used for a purchase involving another currency, Zyleme may apply the conversion rate available at the time of transaction, checkout, purchase, settlement or another operationally reasonable time.

6. Promotional Credits, Rewards and Bonuses

Zyleme may issue promotional credits, referral credits, goodwill credits, loyalty points, cashback, discount balances or other bonuses. These are not cash and may be subject to additional terms, expiration dates, minimum order amounts, category restrictions, country restrictions, fraud controls and reversal rights.

Zyleme may cancel, reverse or adjust promotional credits if issued in error, obtained fraudulently, abused, duplicated, associated with a cancelled order, or used in violation of Zyleme policies.

7. Refunds to Wallet

Zyleme may issue eligible refunds, reimbursements, goodwill credits, variance refunds or order adjustments to the Wallet. A refund to Wallet does not convert the balance into cash unless Zyleme expressly states otherwise or applicable law requires cash refund.

Where an original payment method cannot be refunded, a Wallet credit may be used as the default refund method subject to applicable law.

8. Wallet Restrictions

Zyleme may place limits on Wallet funding, spending, transfers, withdrawals, reversals, refunds and account access. Zyleme may suspend or restrict Wallet use if it suspects fraud, chargeback abuse, money laundering, sanctions risk, stolen payment methods, account takeover, regulatory risk or violation of Zyleme policies.

9. Errors and Adjustments

Zyleme may correct Wallet errors, including duplicate credits, incorrect balances, mistaken refunds, failed funding, reversed payment transactions, system glitches, currency errors, calculation mistakes or fraudulent credits.

If a Wallet balance becomes negative or if Zyleme determines that a customer has spent funds not validly available, the customer remains responsible for the amount owed.

10. Account Closure and Inactivity

If a customer closes an account or if Zyleme suspends or terminates an account for violation of policies, Wallet use may be restricted. Zyleme may retain Wallet balances to settle outstanding charges, chargebacks, unpaid invoices, storage fees, fraud losses or other amounts owed.

Promotional or bonus credits may expire or be forfeited upon account closure, fraud, inactivity or policy violation.

11. Fraud, Chargebacks and Abuse

Wallet abuse is prohibited. This includes using stolen payment methods, initiating false chargebacks, creating fake accounts, abusing referrals, cycling funds, manipulating promotions, reselling credits without permission or using Wallet balances for illegal or restricted goods.

Zyleme may reverse credits, suspend accounts, report fraud, recover losses and take legal action where Wallet abuse occurs.

12. Contact

Wallet questions should be directed to support@zyleme.com. Users should include their account email, transaction reference, payment method and a clear description of the issue.

End of document.

Zyleme Returns Policy

Returns, refunds, damaged goods, wrong items, seller defects and cancellation rules.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. Zyleme's Role in Returns
• 3. Customer Responsibility Before Ordering
• 4. Non-Returnable or Limited-Return Items
• 5. Issues Generally Not Caused by Zyleme
• 6. Issues Potentially Covered by Zyleme
• 7. Return Request Process
• 8. Return Shipping Costs
• 9. Refunds and Credits
• 10. Cancellations
• 11. Damaged Items
• 12. Wrong Item, Wrong Size or Wrong Color/Colour
• 13. No Return Guarantee for Unverified Stores
• 14. Chargebacks
• 15. Contact

1. Purpose and Scope

This Returns Policy explains how cancellations, returns, replacements, exchanges, damaged goods, wrong items, refunds and seller-related issues are handled for orders placed through Zyleme.

Because Zyleme often purchases goods from third-party sellers on behalf of customers, return eligibility is usually determined by the original seller's return policy, the product category, the timing of the request, shipping status, customs status and the condition of the item.

2. Zyleme's Role in Returns

Zyleme is a purchasing and logistics facilitator, not the manufacturer of products purchased from third-party sellers. Unless Zyleme expressly sells a product as its own inventory, Zyleme does not make, design, test, warrant or guarantee the product.

Zyleme may assist customers with seller returns where operationally possible, but Zyleme cannot guarantee that a third-party seller will accept a return, provide a replacement, offer a refund or waive return charges.

3. Customer Responsibility Before Ordering

Customers must carefully review the product listing, size chart, color/colour, model, compatibility, quantity, voltage, dimensions, materials, seller rating, return policy, shipping time and any seller restrictions before payment.

Customers are responsible for selecting the exact product they want. Zyleme is not responsible for customer selection errors or dissatisfaction based on expectations that differ from the seller listing.

4. Non-Returnable or Limited-Return Items

Some products may be non-returnable, difficult to return, expensive to return internationally or subject to seller restrictions.

Final sale, clearance, custom-made, personalized or made-to-order products.

Underwear, swimwear, beauty products, cosmetics, hygiene products and opened consumables.

Perishable, temperature-sensitive, hazardous, restricted or regulated goods.

Digital products, gift cards, subscriptions, software downloads or license keys.

Items where the seller return window has closed before the customer reports the issue.

Products purchased from sellers or websites that do not accept returns.

5. Issues Generally Not Caused by Zyleme

The following issues are generally considered seller, manufacturer or customer-selection issues and are not Zyleme shipping errors:

Wrong size, poor fit or sizing differences between brands.

Color/colour variation due to lighting, screen display or seller photography.

Product quality concerns, manufacturing defects or faulty parts from the seller/manufacturer.

Compatibility problems, voltage issues, missing accessories not included by the seller, or incorrect product assumptions.

Authenticity, warranty or seller-description issues unless Zyleme expressly guaranteed authenticity or specifications in writing.

6. Issues Potentially Covered by Zyleme

Zyleme may accept responsibility for issues that occur while goods are under Zyleme's control or under the control of Zyleme-appointed logistics partners, subject to investigation and proof.

Confirmed shipping loss after receipt by Zyleme or its appointed logistics partner.

Confirmed physical damage caused during shipping or handling after receipt by Zyleme.

Delivery to the wrong customer caused by Zyleme or its delivery partner.

Zyleme purchasing a materially different item than the one confirmed and paid for by the customer.

7. Return Request Process

Customers must contact Zyleme promptly after receiving an item or discovering an issue. Late requests may be denied if the seller return window has closed or evidence is no longer available.

Contact Zyleme support with the order number and issue description.

Provide photos or videos of the item, packaging, shipping label, invoice and any visible damage or mismatch.

Keep all packaging and accessories until the case is resolved.

Do not use, alter, wash, install, repair or dispose of the item before Zyleme reviews the case.

Follow any instructions from Zyleme regarding return shipment, inspection, seller communication or documentation.

8. Return Shipping Costs

Unless the return is due solely to a confirmed Zyleme error or shipping issue covered by this Policy, customers may be responsible for return shipping, seller restocking fees, customs charges, handling fees, repackaging fees and any other cost required to return goods to the seller.

International returns may cost more than the original shipping charge and may not be commercially reasonable. Zyleme may recommend alternatives such as resale, partial credit, seller warranty claim or replacement purchase where appropriate.

9. Refunds and Credits

Refunds depend on the seller's acceptance of the return, receipt of the returned item, carrier records, payment processor timelines and Zyleme's investigation. Shipping, handling, customs, taxes, payment processing fees and service fees are generally non-refundable unless the issue is caused solely by Zyleme.

Eligible refunds may be issued to the original payment method, Wallet, store credit or another method determined by Zyleme and applicable law.

10. Cancellations

Cancellation requests must be made as soon as possible. Once Zyleme has purchased the item, cancellation depends on the seller's cancellation policy. Once goods have shipped, cancellation may not be possible without return shipping and other fees.

If a seller cancels an order because the item is out of stock, unavailable, restricted or priced incorrectly, Zyleme may refund, credit or assist with alternatives.

11. Damaged Items

Customers must report suspected shipping damage promptly and provide clear evidence. Zyleme may require inspection by a carrier, warehouse, delivery partner or claims provider. Packaging must be preserved.

Zyleme is not responsible for defects already present in the product, damage caused by the seller before shipment to Zyleme, or damage caused by customer use, installation, misuse or handling after delivery.

12. Wrong Item, Wrong Size or Wrong Color/Colour

If the seller sends the wrong item, wrong size or wrong color/colour, Zyleme may assist the customer in contacting the seller or arranging a return where possible. However, seller mistakes are not automatically Zyleme errors unless Zyleme purchased something different from the item confirmed by the customer.

If the customer selected the wrong item, wrong size, wrong color/colour or incompatible model, return eligibility depends on the seller policy and the customer may bear all return costs.

13. No Return Guarantee for Unverified Stores

For websites, sellers or marketplaces that are not verified by Zyleme, returns may be unavailable or limited. Customers accept the risk that some sellers may refuse returns, delay refunds, require return to a foreign address or fail to respond.

14. Chargebacks

Customers should contact Zyleme first to resolve return or refund issues. Fraudulent or premature chargebacks may result in account suspension, loss of promotional benefits, recovery action, collection of unpaid balances and restriction of future services.

15. Contact

Return requests should be sent to support@zyleme.com with the order number, customer name and evidence.

End of document.

Zyleme Merchant Terms

Marketplace, merchant storefront, listing, payout, compliance and seller obligations.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. Merchant Eligibility and Onboarding
• 3. Marketplace Role
• 4. Product Listings
• 5. Pricing, Fees and Commissions
• 6. Order Acceptance and Fulfillment
• 7. Inventory and Availability
• 8. Product Quality, Safety and Compliance
• 9. Prohibited Merchant Products
• 10. Returns, Refunds and Customer Disputes
• 11. Merchant Payouts and Holds
• 12. Taxes
• 13. Advertising, Promotions and Ranking
• 14. Data and Analytics
• 15. Intellectual Property and Brand Rights
• 16. Performance Standards
• 17. Suspension and Termination
• 18. Merchant Indemnification
• 19. Limitation of Liability
• 20. Contact

1. Purpose and Scope

These Merchant Terms govern merchants, sellers, brands, vendors, resellers, service providers and business partners who list products, maintain storefronts, accept orders, use merchant tools, receive payouts, access APIs or otherwise sell through the Zyleme platform.

These Merchant Terms are intended for Zyleme's future marketplace and merchant infrastructure products, including merchant stores, brand partnerships, checkout services, logistics tools, advertising, analytics and related services.

2. Merchant Eligibility and Onboarding

Merchants must be legally capable of conducting business, must provide accurate business information and must complete any onboarding, verification, tax, payment, compliance or risk review required by Zyleme.

Legal business name, trading name and registration information where applicable.

Contact details, authorized representatives and payout information.

Product categories, origin of goods, warranties, return policies and fulfillment method.

Identity, beneficial ownership, tax, sanctions or compliance information where required.

3. Marketplace Role

Unless expressly stated otherwise, Zyleme provides a marketplace, commerce infrastructure, payment coordination, logistics coordination and technology platform. Merchants remain the sellers of their products and are responsible for product quality, legality, listing accuracy, warranties, fulfillment obligations, customer obligations, taxes and compliance.

Zyleme may facilitate payment, order routing, logistics, customer communication and dispute handling, but this does not make Zyleme the manufacturer, importer of record, seller of record or warrantor unless expressly agreed in writing.

4. Product Listings

Merchants must ensure that all listings are complete, truthful, lawful, not misleading and updated promptly.

Accurate title, description, images, variations, SKU, quantity, price, dimensions, weight and availability.

Accurate color/colour, size, materials, compatibility, voltage, warranty and included accessories.

Clear return, exchange, cancellation, final-sale and warranty terms.

No fake reviews, false scarcity, misleading discounts, counterfeit claims or unauthorized brand use.

5. Pricing, Fees and Commissions

Merchants are responsible for setting accurate prices unless Zyleme provides managed pricing services. Zyleme may charge commissions, subscription fees, payment processing fees, logistics fees, advertising fees, referral fees, chargeback fees, dispute fees or other fees displayed or agreed with the merchant.

Zyleme may deduct fees, refunds, chargebacks, penalties, commissions, promotional funding, taxes, shipping charges, storage charges and other amounts owed from merchant payouts.

6. Order Acceptance and Fulfillment

Merchants must process accepted orders promptly and in accordance with the displayed delivery, handling and fulfillment commitments. Merchants must not accept orders they cannot fulfill.

Merchants are responsible for packaging items properly, including invoices or required documentation, meeting product safety standards, and providing accurate weight, dimensions and shipment details. Failure to provide accurate information may result in fees, delays, cancellation, suspension or customer refunds charged to the merchant.

7. Inventory and Availability

Merchants must keep inventory availability accurate. Overselling, stock misrepresentation, repeated cancellations or intentional listing of unavailable products may result in penalties, ranking reduction, suspension or termination.

Zyleme may cancel orders or issue customer refunds where the merchant fails to fulfill, delays excessively, sends wrong goods, sends defective goods or violates Zyleme policies.

8. Product Quality, Safety and Compliance

Merchants are solely responsible for ensuring that products are safe, authentic, lawful, properly labeled, not defective, not counterfeit and compliant with applicable product, import, export, consumer protection, labeling, intellectual property and safety laws.

Merchants must promptly notify Zyleme of recalls, safety issues, authenticity complaints, regulatory notices or legal claims involving their products.

9. Prohibited Merchant Products

Merchants may not list illegal, restricted, dangerous, counterfeit, stolen, hazardous, regulated or export-controlled goods without Zyleme's express written approval and all required legal authorization.

Zyleme may remove listings, suspend accounts, hold payouts, cancel orders, report violations and cooperate with authorities where prohibited goods are involved.

10. Returns, Refunds and Customer Disputes

Merchants must honor their published return policy and any minimum standards required by Zyleme. Merchants must cooperate with Zyleme in resolving customer complaints, missing items, damaged goods, wrong items, warranty claims, chargebacks and disputes.

Zyleme may issue refunds, credits or replacements to customers and charge the merchant where Zyleme determines that the issue was caused by merchant error, product defect, listing inaccuracy, late fulfillment, counterfeit goods, non-delivery or policy violation.

11. Merchant Payouts and Holds

Zyleme may pay merchants according to the payout schedule, currency and method specified in the merchant dashboard or agreement. Payouts may be delayed, held, offset or reversed for fraud review, chargebacks, refunds, tax issues, customer disputes, reserve requirements, compliance review or suspected policy violations.

Zyleme may require rolling reserves or risk reserves for new merchants, high-risk categories, high dispute rates, long delivery periods or unusual transaction patterns.

12. Taxes

Merchants are responsible for determining, collecting, reporting and remitting taxes applicable to their sales, income, imports, exports, VAT, sales tax, withholding, duties and other obligations unless Zyleme expressly agrees otherwise in writing or is legally required to do so.

13. Advertising, Promotions and Ranking

Zyleme may offer advertising, sponsored placement, discount campaigns, affiliate programs, influencer storefronts, coupons and promotional tools. Participation may be subject to separate terms and fees.

Zyleme may determine marketplace ranking, placement, recommendations and visibility based on relevance, price, fulfillment performance, customer experience, advertising, merchant quality, inventory, reviews and other factors.

14. Data and Analytics

Zyleme may provide merchants with dashboards, analytics, reports and insights. Merchants may use customer data only to fulfill orders, provide customer service and comply with legal obligations. Merchants must not misuse customer data for unauthorized marketing, resale, profiling, spam or off-platform solicitation.

15. Intellectual Property and Brand Rights

Merchants grant Zyleme a non-exclusive, worldwide, royalty-free license to use merchant names, trademarks, logos, product images, listing content, descriptions and related materials to operate, market, display, promote and improve the platform.

Merchants represent that they have all rights necessary to list and sell their products and to grant the license above. Merchants must not infringe intellectual property rights of others.

16. Performance Standards

Zyleme may monitor merchant performance, including cancellation rate, late shipment rate, defect rate, refund rate, chargeback rate, customer support responsiveness, listing accuracy and policy compliance. Poor performance may lead to warnings, listing suppression, payout holds, account restrictions, suspension or termination.

17. Suspension and Termination

Zyleme may suspend or terminate merchant access, remove listings, hold payouts or cancel orders where a merchant violates policies, creates risk, fails verification, sells prohibited goods, receives excessive complaints, engages in fraud, harms customers or damages Zyleme's reputation.

18. Merchant Indemnification

Merchants agree to indemnify, defend and hold harmless Zyleme and its affiliates, officers, directors, employees, agents and partners from claims, losses, damages, penalties, fines, liabilities, costs and expenses arising from merchant products, listings, fulfillment, taxes, intellectual property violations, customer claims, product defects, policy violations or breach of these Merchant Terms.

19. Limitation of Liability

To the fullest extent permitted by law, Zyleme is not liable to merchants for indirect, incidental, special, consequential, exemplary or punitive damages, lost profits, lost business, loss of goodwill, loss of data or business interruption. Zyleme's total liability to a merchant is limited to the fees paid by that merchant to Zyleme in the three months before the event giving rise to the claim, unless a separate written agreement states otherwise.

20. Contact

Merchant questions should be directed to support@zyleme.com or any merchant support channel designated by Zyleme.

End of document.

Zyleme Acceptable Use Policy

Rules for lawful, safe and fair use of Zyleme services.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. Lawful Use Only
• 3. Prohibited Conduct
• 4. Prohibited Products and Services
• 5. Cybersecurity and Platform Integrity
• 6. User Content and Communications
• 7. Reviews, Ratings and Marketplace Integrity
• 8. Payments, Wallet and Chargebacks
• 9. Export, Import and Sanctions Compliance
• 10. Enforcement
• 11. Reporting Violations

1. Purpose and Scope

This Acceptable Use Policy sets rules for safe, lawful and respectful use of Zyleme's website, app, marketplace, wallet, merchant tools, APIs, customer support channels, messaging channels and related services.

Violation of this Policy may result in order cancellation, account restriction, suspension, termination, loss of credits or rewards, reporting to authorities, legal action or other remedies available to Zyleme.

2. Lawful Use Only

Users may use Zyleme only for lawful purposes and in accordance with all applicable laws, regulations, sanctions, export controls, import restrictions, tax rules, customs requirements and platform policies.

Users must not use Zyleme to buy, sell, ship, finance, promote or facilitate illegal, restricted, stolen, counterfeit, hazardous, regulated or prohibited goods or services.

3. Prohibited Conduct

Users must not:

Defraud, deceive, impersonate, threaten, harass, abuse, stalk, exploit or harm any person.

Provide false, incomplete, misleading or unauthorized information.

Use stolen payment methods, initiate false chargebacks or manipulate Wallet credits.

Create fake accounts, duplicate accounts or accounts to avoid restrictions.

Abuse promotions, referrals, coupons, discounts, loyalty points or cashback programs.

Interfere with delivery, customs, seller communication or dispute resolution.

Use Zyleme for pyramid schemes, multi-level marketing abuse, money movement abuse, check cashing, money orders or high-risk practices subject to abuse.

4. Prohibited Products and Services

Users must not use Zyleme to purchase, ship, list or facilitate prohibited or restricted goods unless Zyleme expressly authorizes the transaction and all legal requirements are met.

Weapons, ammunition, firearm parts, tactical equipment, explosives or dangerous devices.

Illegal drugs, controlled substances, prescription medication without authorization or drug paraphernalia.

Hazardous materials, flammable goods, pressurized cans, chemicals or unsafe batteries.

Counterfeit, stolen, pirated, infringing or unauthorized branded goods.

Government IDs, fake documents, badges, uniforms or items that impersonate official credentials.

Cash, currency, money orders, lottery tickets, gambling devices or financial instruments.

Pornographic, abusive, exploitative or illegal content.

Live animals, prohibited animal products, perishable goods or restricted agricultural products.

5. Cybersecurity and Platform Integrity

Users must not interfere with Zyleme's systems, networks, data, accounts or security.

No hacking, probing, scanning, unauthorized access, credential stuffing or password attacks.

No viruses, malware, worms, Trojans, corrupted files or harmful code.

No denial-of-service attacks or activity that overloads, disables or damages the platform.

No scraping, crawling, bots, automation, data mining or copying without written permission.

No reverse engineering, decompiling, bypassing access controls or extracting platform logic.

6. User Content and Communications

Users must not upload, publish, send or transmit content that is unlawful, defamatory, obscene, abusive, hateful, threatening, harassing, deceptive, infringing, spammy, malicious or otherwise harmful.

Users must not post personal information of others without permission or expose private order, address, payment or identity details publicly.

7. Reviews, Ratings and Marketplace Integrity

Users and merchants must not manipulate reviews, ratings, order history, seller performance, product rankings, searches, recommendations or marketplace visibility.

Fake reviews, paid undisclosed reviews, review trading, competitor sabotage, misleading claims and artificial transactions are prohibited.

8. Payments, Wallet and Chargebacks

Users must not use unauthorized payment methods, exploit payment errors, abuse Wallet funding, reverse valid transactions, initiate fraudulent chargebacks or attempt to obtain goods without paying.

Customers remain responsible for amounts owed to Zyleme even if a payment is reversed, disputed, delayed, charged back or rejected after Zyleme has provided services or incurred costs.

9. Export, Import and Sanctions Compliance

Users are responsible for ensuring that products they purchase, list, sell, ship or receive through Zyleme comply with all applicable export, import, customs, sanctions and regulatory requirements.

Zyleme may refuse, cancel, freeze, report or hold transactions involving sanctioned parties, restricted countries, export-controlled goods, suspicious activity or legal compliance concerns.

10. Enforcement

Zyleme may investigate suspected violations and may take action without prior notice where necessary to protect customers, merchants, Zyleme, logistics partners, payment partners, the public or legal compliance.

Cancel orders or refuse service.

Suspend or terminate accounts.

Hold or reverse Wallet credits, rewards or payouts.

Remove listings or content.

Block devices, IP addresses or payment methods.

Report activity to payment providers, logistics partners, regulators or law enforcement.

11. Reporting Violations

Users may report suspected violations to support@zyleme.com. Reports should include relevant order numbers, screenshots, messages and supporting information.

End of document.

Zyleme Cookie Policy

Cookies, pixels, consent, preferences, analytics and advertising technologies.

This document is drafted for Zyleme's cross-border commerce, purchasing, marketplace, wallet, logistics coordination and customer support operations. It should be reviewed by qualified legal counsel before publication or customer reliance.

Document Map

• 1. Purpose and Scope
• 2. What Cookies Are
• 3. How Zyleme Uses Cookies
• 4. Categories of Cookies
• 5. Third-Party Cookies and Tools
• 6. Cookie Consent and Preferences
• 7. Managing Cookies
• 8. Do Not Track and Global Privacy Signals
• 9. Cookies in Emails and Messages
• 10. Retention
• 11. Changes to this Cookie Policy
• 12. Contact

1. Purpose and Scope

This Cookie Policy explains how Zyleme uses cookies, pixels, tags, SDKs, local storage and similar technologies on its website, mobile app, merchant tools, emails, advertisements and related digital services.

This Policy should be read with Zyleme's Privacy Policy. It applies to visitors, customers, merchants, partners and users of Zyleme digital services.

2. What Cookies Are

Cookies are small text files placed on a browser or device when a user visits a website or uses an online service. Similar technologies may store or read information on a device, recognize a browser, measure performance, secure sessions or support personalized experiences.

Cookies may be session cookies that expire when a browser closes, or persistent cookies that remain for a set period or until deleted.

3. How Zyleme Uses Cookies

Zyleme may use cookies and similar technologies to operate the platform, keep users signed in, remember preferences, secure accounts, detect fraud, measure performance, improve customer experience, personalize content, support advertising and understand how users interact with Zyleme services.

4. Categories of Cookies

Category

Purpose

Can Users Disable?

Strictly Necessary

Required for login, checkout, cart, security, fraud prevention, payments and core platform operation.

Usually no, because the service may not work without them.

Performance/Analytics

Helps Zyleme understand traffic, errors, feature use, conversion, speed and user behavior in aggregate or pseudonymous form.

Yes, where consent or preference tools are available.

Functional

Remembers preferences such as language, region, saved details, display settings and support preferences.

Yes, but some features may be less convenient.

Advertising/Marketing

Supports relevant ads, retargeting, campaign measurement, affiliate tracking and promotional effectiveness.

Yes, where required by law or preference tools.

5. Third-Party Cookies and Tools

Zyleme may allow trusted third parties to place or read cookies and similar technologies. These may include analytics providers, payment providers, fraud prevention services, advertising networks, social media platforms, affiliate networks, customer support tools and logistics technology providers.

Third-party cookies are governed by the privacy and cookie policies of those third parties in addition to Zyleme's policies.

6. Cookie Consent and Preferences

Where required by law, Zyleme will request consent before placing non-essential cookies or similar technologies. Users may be able to accept, reject or manage cookie categories through a cookie banner, preference center, browser settings or device settings.

Strictly necessary cookies may be used without consent where legally permitted because they are required to provide the requested service.

7. Managing Cookies

Users can manage cookies through browser settings and, where available, Zyleme's cookie preference tools. Blocking some cookies may affect login, checkout, cart, payment, tracking, personalization or platform functionality.

Users may also manage advertising preferences through device settings or relevant industry opt-out tools where available.

8. Do Not Track and Global Privacy Signals

Some browsers send Do Not Track or global privacy signals. Zyleme may respond to such signals where required by applicable law or where supported by Zyleme's systems. Because standards may vary, Zyleme may also provide its own preference tools.

9. Cookies in Emails and Messages

Zyleme emails, SMS links, WhatsApp links, push notifications and marketing messages may include pixels, tags, link tracking or similar tools to understand whether messages were delivered, opened, clicked or effective. Users may opt out of marketing communications as described in the Privacy Policy.

10. Retention

Cookie retention periods vary based on purpose, technology and provider. Session cookies may expire quickly, while persistent cookies may remain for longer periods unless deleted. Zyleme will seek to use retention periods appropriate to the purpose and applicable law.

11. Changes to this Cookie Policy

Zyleme may update this Cookie Policy from time to time to reflect changes in technology, law, vendors or platform functionality. Updated versions will be posted with a revised effective date.

12. Contact

Cookie questions should be directed to support@zyleme.com.

End of document.