Terms and Conditions

Open Online is built by CRODE Labs and operated by NAPCO Group PVT LTD, a company registered in the Republic of Maldives.

Company

NAPCO Group PVT LTD

Registration No.

C21812025

TIN

1175832

Registered office

Ga. Aakashvilla, K. Malé, Maldives

Email

hello@crode.online

These Terms apply to sellers who create a store on Open Online, and to the team members they invite. If you only buy from a store, Section 20 explains what applies to you.

These Terms are read together with our Privacy Policy, Refund Policy and Acceptable Use Policy. If they conflict, these Terms apply, except that the Refund Policy decides refunds of subscription payments.

Open Online is software that lets you build and run your own online store, at an address such as yourstore.openonlinepage.crode.online. We provide the software. We do not buy, sell, hold, ship or own the goods or services on any store.

You sign in with a Google account. We use the name and email address Google gives us, and we only accept Google accounts whose email address Google has verified. Keep your Google account secure: anyone who can sign in to it can use your Open Online account. Tell us at once at hello@crode.online if you think someone has used your account without permission.

You must be at least 18 and legally able to enter into a binding contract. The information you give us, including your store and business details, must be accurate and kept up to date.

Before a store can go live, you confirm that you control the Instagram account it is linked to, either with a code in your Instagram bio or through a manual check by our team. Only link an Instagram account that is yours or that you are authorised to use.

As the owner of a store you can invite team members and give each one a role: manager, sales, stock or accountant. Each role can do only the tasks it allows. You are responsible for who you invite, the role you give them, and everything they do in your store. You can change a role or remove a team member at any time, and their access ends on their next action. Your plan sets how many team members you can have.

You and your team can get order alerts on Telegram, in a private chat or in a Telegram group. Everyone in a group you link can read the alerts, so keep it to people who work on your store.

If you are a team member, you act on behalf of the store owner, and you must follow these Terms and the Acceptable Use Policy.

As the seller, you are responsible for:

• Your products, prices, stock, descriptions and photos being accurate and lawful
• Delivering what you sell, or having it ready for pickup, as you promised
• Cancellations, returns, exchanges and refunds for your goods, under your own store policies and the law
• The business and legal details shown in your store policies, such as your legal name, registration number, TIN and address
• Any licence or registration your business or products need, and any tax due on your sales
• Following consumer protection and other laws that apply to your sales
• Keeping your own copies of the records your business needs, such as orders and payments for tax
• Following our Acceptable Use Policy, which lists goods and conduct that are not allowed

Your store's own Terms, Privacy, Refund and Delivery pages are created from templates we provide, using the details you enter. They are a starting point, not legal advice. Check that they are accurate for your business before you publish them, and keep them up to date.

You decide how your shoppers' personal data is used and you are responsible for it. Use it only to handle their orders and to contact them as they expect, keep it confidential, and never sell it. We process it on your behalf, only to run your store, as our Privacy Policy explains.

Shoppers pay you directly. Depending on what you switch on, they can pay cash, pay by bank transfer into your account and upload a photo of the transfer slip, or pay by card through your own BML Connect or Swipe merchant account. Shopper money never passes through us.

• Card payments use your own merchant agreement with Bank of Maldives, which is between you and the bank. You must keep your merchant details correct and follow the bank’s rules.
• Card payments can be switched on only after your store policies are published.
• A transfer slip is an image the shopper uploads. It is not proof that money arrived. Check your bank account before you mark an order as paid.
• Refunds to shoppers are made by you, through your own bank or gateway account. Mark the order as refunded once you have done so.
• If the Service detects that an order was paid twice, it alerts you so you can refund the extra payment.

You keep ownership of everything you add to the Service, such as your logo, photos, product details and texts. You give us a limited licence to host, copy, resize, display and send that content only as needed to run your store and the Service. The licence ends when the content is deleted, except for copies we must keep under Section 14.

If you ask us to import your Instagram profile, we read only what is public on that profile: your name, bio, recent posts and their images. We use it to suggest a store name, description, category, colours and images. Only import content you own or have permission to use. Open Online is not affiliated with Instagram or Meta.

Some features use artificial intelligence (the Claude API, provided by Anthropic) to draft texts such as your store description, product descriptions and FAQs, from your Instagram profile and the notes you give. AI drafts can be wrong or incomplete. Nothing an AI drafts is published until you review and save it, and once you publish it, it is your content and your responsibility. AI features have usage limits.

You can sign up, build your store and add products without paying. Your free trial lasts 14 days from the first time you publish a store. During the trial one store can be live. No payment details are needed, and nothing is charged when the trial ends. There is no free plan after the trial.

If you have not chosen a plan when the trial ends, you get 7 more days to do so. After that your stores become read-only: your storefronts show as unavailable and your dashboard is view only. You cannot reopen them yourself. Choosing a plan within 30 days restores them. If you have not chosen a plan 30 days after your stores became read-only, we close your account and delete your data, as Section 14 explains.

After the trial, the Service needs a paid plan. Our plans are Dhoni, Thila and Atholhu, and each sets how many stores, products and team members you can have. Sellers who need more can ask us for a Custom plan, at a price we quote. Prices and limits are on our pricing page, in Maldivian Rufiyaa (MVR). You pay monthly or yearly, in advance, and the price shown when you pay is the price for that period.

Your plan starts once the bank confirms your payment. Subscription payments go to NAPCO Group PVT LTD through our own BML Connect or Swipe merchant account.

Your subscription carries on from one period to the next until you cancel. About 7 days before each period ends, we email you the invoice for the next period with a link to pay it. If it is not paid when the period ends, we send the link again 1, 3 and 5 days later. If it is still unpaid 7 days after the period ended, your stores become read-only until you pay. Paying within 30 days restores them. If it is still unpaid 30 days after your stores became read-only, we close your account and delete your data, as Section 14 explains.

If we change the price of a plan, we will tell you at least 30 days before the change. The new price applies only to periods that start after that notice, never to a period you have already paid for. You can cancel before the new price applies.

• Upgrade: applies as soon as the extra charge is paid. You pay only the difference for the days left in your current period.
• Downgrade, or a switch between monthly and yearly: applies at the end of your current period. If you then have more live stores than the new plan allows, your newest stores become read-only and your oldest stay live. Team members you already have keep their access, but you cannot invite more until you are within the limit.
• Cancel: you can cancel at any time from your billing settings or by emailing us. You keep your plan until the end of the period you paid for, and we send no more renewal invoices. At the end of the period your stores become read-only. You can undo a cancellation before the period ends.

Cancelling does not delete your account or your data. Section 14 explains how to close your account.

Our Refund Policy gives a 14-day, any-reason, full refund on your first subscription payment, and a full refund of any amount charged in error. Refunds for goods bought from a store are the seller's responsibility, not ours.

We may suspend a store that breaks these Terms or the Acceptable Use Policy, or that puts shoppers, other sellers or the Service at risk. While a store is suspended, its storefront shows as unavailable and its dashboard cannot be changed. We record the reason, tell you why, and restore the store once the problem is fixed. Where the breach is serious, such as fraud or illegal goods, or keeps happening, we may close the account.

Unless there is a risk of harm, a legal reason, or the breach is serious, we will warn you first and give you a reasonable chance to fix it. You can ask us to review any decision by emailing hello@crode.online.

Suspension does not cancel your obligations to shoppers who have already ordered from you.

You can delete a store from its settings. It goes offline at once, your team loses access, and its address is freed straight away, so someone else can register it.

You can delete your whole account from your account settings, or by emailing hello@crode.online from the address you sign in with. When you delete it:

• Every store you own goes offline at once, and you and your team lose access to it.
• You can no longer use your account, and memberships you have in other stores stop working.
• Your Telegram alerts stop, and your subscription ends with no further renewals or charges.
• If you sign in again within 30 days, your account is restored, and the stores that went offline with it come back as they were.
• After 30 days, we delete or anonymise your data and your stores' data, including your products and your shoppers' personal details. We keep records we must keep by law, such as invoices, payment and tax records, and security logs. Signing in after that creates a new, empty account.

If your stores became read-only because your trial ended without a plan or a renewal went unpaid (Sections 9 and 10), and you have still not paid 30 days later, we close your account and delete your data. We email you a link to a copy of your store data at least 7 days before, to the address you sign in with. We then delete or anonymise your data and your stores' data at once, including your products and your shoppers' personal details, and keep only the records we must keep by law, such as invoices, payment and tax records, and security logs. Signing in after that creates a new, empty account. Cancelling your plan never starts this: your stores become read-only and your data is kept.

You can get a copy of your store data, such as products, orders, customers and invoices, at any time before you delete your account: choose Download my data in your account settings. We email a download link to the address you sign in with, and it works for 7 days. You can also ask for a copy by emailing hello@crode.online. The Privacy Policy gives the details.

We work to keep the Service available and reliable, but we cannot promise it will never be interrupted. It may be unavailable at times for maintenance or updates.

We are not responsible for delays or failures caused by events outside our reasonable control, such as power or internet outages, natural events, government action, or outages at our providers, Instagram, Google, Telegram or Bank of Maldives.

Support is by email at hello@crode.online. If a fault on our side seriously affects the Service and we cannot fix it within a reasonable time, the Refund Policy applies.

The Service, including its software, design, store themes and the Open Online name and mark, belongs to NAPCO Group PVT LTD and its licensors. You may use it for your stores under your plan and these Terms. You may not copy, resell or reverse engineer it, except where the law allows.

If you send us ideas or feedback, we may use them to improve the Service without owing you anything for them.

We are responsible for providing the Service with reasonable skill and care. We are not responsible for:

• The goods and services sold on any store, their delivery, or the conduct of sellers or shoppers
• Payments between sellers and shoppers, including whether a transfer slip is genuine
• The services of Bank of Maldives, Instagram, Google or Telegram, or changes they make
• Content you publish, including AI drafts you approved
• Anything done by someone who signs in with your Google account, or by a team member you invited

To the extent the law allows, our total liability to you for all claims arising from the Service is limited to the greater of the subscription fees you paid us in the 12 months before the event that caused the claim, or MVR 1,500. We are not liable for loss of profit, revenue, business or goodwill, or for indirect or consequential loss.

Nothing in these Terms limits liability for fraud, for death or personal injury caused by negligence, or any other liability or consumer right that cannot be limited or excluded by law.

If a shopper or anyone else makes a claim against us because of goods you sold, content you published, or your breach of these Terms or the law, you will cover the reasonable costs and losses we incur from that claim. This applies only to the extent the claim was caused by you or your team, not by us. We will tell you about the claim promptly and let you take part in handling it.

We improve the Service over time and may add, change or remove features. We may also update these Terms. For any material change, we will tell active sellers by email or in the dashboard at least 30 days before it takes effect. If you do not agree to a change, you can cancel before it applies to you. A change never reduces what you get for a period you have already paid for.

If we ever stop offering the Service, we will tell you at least 60 days before, let you download a copy of your store data, and refund the unused part of any period you have already paid for.

• Each store is run by an independent seller. Your purchase is a contract with that seller, under the store’s own Terms, Refund and Delivery policies, which are linked from the store.
• You pay the seller directly. We never receive your payment, so we cannot refund it.
• Questions about an order, delivery, returns or refunds go to the seller. Their contact details are on the store.
• You can create a shopper account with Google on each store to see your orders. It is optional.
• If you think a store is fraudulent or breaks our Acceptable Use Policy, use the Report link on the store or email us.
• Our Privacy Policy explains how your data is handled on stores.

• These Terms, with the policies they name, are the whole agreement between you and us about the Service.
• We send notices to the email address you sign in with, or show them in your dashboard. Send notices to us at our email address in Section 1.
• If a court finds part of these Terms unenforceable, the rest still applies.
• If we do not enforce a right straight away, we can still enforce it later.
• Sections that by their nature continue after your account closes, such as 14, 17, 18 and 22, keep applying.
• We may transfer these Terms to a company that takes over the Service, and will tell you if we do. You may not transfer your account without our written agreement.

These Terms are governed by the laws of the Republic of Maldives. If you have a complaint, please email us first so we can try to resolve it. Any dispute that cannot be resolved that way is subject to the jurisdiction of the courts of the Republic of Maldives.

For any question about these Terms, email hello@crode.online. Our company details are in Section 1.