Terms and Conditions

Last Update: 5th of January 2026

1. Introduction

Welcome to Rooark.

These Terms and Conditions (“Terms”) govern your access to and use of the Rooark platform, including our websites, applications, payment initiation tools, fundraising features, event hosting tools, analytics, and AI-enabled insights (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use Rooark.

2. Who We Are

Rooark operates through the following legal entities:

• United Kingdom:
  Rooark Ltd
  Company Number: 16406048
  Registered in England and Wales

• Nigeria:
  Tripmoni Services Limited
  RC Number: 7374906
  Registered with the Corporate Affairs Commission (CAC), Nigeria

References to “Rooark”, “we”, “us”, or “our” refer to the relevant Rooark entity depending on your location and the Services provided.

3. Nature of Rooark’s Services 

Rooark provides a technology platform that enables creators, organisations, and communities to initiate payments, donations, fundraising campaigns, and event registrations using independent third-party payment service providers.

Rooark:

• Does not provide payment services

• Does not issue electronic money

• Does not act as a money transmitter

• Does not safeguard, hold, or control funds

• Does not operate client money accounts

All payments are processed directly by third-party payment providers, and funds move from payers to recipients according to those providers’ regulated systems and terms.

4. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use Rooark.

If you use Rooark on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.

5. Platform Fees and Pricing

5.1 Rooark Platform Fees

Rooark charges a platform service fee for access to certain platform features.

Free Plan

• 3% platform fee per transaction

Basic Plan

• £50 per month (United Kingdom) or

• ₦100,000 per month (Nigeria)

• Plus a 3% platform fee per transaction

👉 No Rooark platform fees are charged on fundraising campaigns.

Platform fees relate solely to the provision of software, infrastructure, analytics, and platform tools and do not constitute payment processing fees.

5.2 Third-Party Payment Processing Fees

Platform fees are charged in addition to fees applied by third-party payment providers. Rooark does not control or set these fees.

6. Payment Processing

Payments initiated through Rooark are processed by independent third-party payment providers, including:

• United Kingdom & International Payments

  • Airwallex

  • PayPal

• Nigeria & Africa

  • Flutterwave

Rooark is not a party to the payment transaction between the payer and the recipient.

6.1 Indicative Airwallex Fees

When Airwallex is used, fees may include:

• Visa, Mastercard, American Express, Apple Pay, Google Pay:
  1.65% + $0.30

• International cards:
  3.40% + $0.30

Fees are set and charged solely by Airwallex and may change.

6.2 Indicative PayPal Fees

When PayPal is used, fees may include:

• UK domestic transactions: typically around 2.9% + fixed fee

• International transactions: higher percentage fees plus currency conversion charges

Exact fees depend on PayPal’s terms and the payer’s location.

7. No Custody or Safeguarding of Funds

At no time does Rooark:

• Hold user funds

• Control settlement flows

• Provide safeguarding services

• Assume responsibility for fund custody

All funds are handled by third-party payment providers under their own regulatory obligations.

8. User Responsibilities

You agree to:

• Provide accurate and lawful information

• Use Rooark only for lawful purposes

• Use funds raised for their stated purpose

• Comply with applicable laws, including AML and counter-terrorism financing rules

You must not use Rooark for fraudulent, deceptive, or harmful activities.

9. AI-Enabled Features

Rooark may provide analytics, summaries, or AI-generated insights relating to platform usage, engagement, or operational trends.

These outputs are:

• Informational only

• Not financial, legal, or investment advice

• Provided “as is” without guarantees of accuracy

10. Account Suspension and Termination

Rooark may suspend or terminate access if:

• These Terms are breached

• Required by law or payment partners

• Fraud or misuse is suspected

You may stop using Rooark at any time.

11. Intellectual Property

All Rooark software, branding, content, and design are owned by Rooark or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Services.

12. Limitation of Liability

To the maximum extent permitted by law, Rooark is not liable for:

• Indirect or consequential losses

• Payment processor failures or disputes

• Losses arising from third-party services

Nothing limits liability where exclusion is not permitted by law.

13. Governing Law

• UK users: Laws of England and Wales

• Nigeria users: Laws of the Federal Republic of Nigeria

14. Contact

📧 hello@rooark.com