Terms of Use

These Terms of Use (the “Terms”) form a binding agreement between you and Live Capital Limited (RC 7880441), a company incorporated in Nigeria with its registered office at 32C Cameron Road, Ikoyi, Lagos, Nigeria. Live Capital Limited operates the FrontDesk product (the “Platform”) made available at https://www.frontdesk.africa, the workspace application at app.frontdesk.africa, the administrative console at admin.frontdesk.africa, and the public storefronts published on sme.pro and on Workspaces’ own custom domains.

By creating an account, accessing, or using the Platform, you confirm that you have read and agree to these Terms and our Privacy Policy. If you are accepting these Terms on behalf of an entity, you confirm that you are authorised to bind that entity, in which case “you” refers to that entity. If you do not agree, do not use the Platform.

• Account: your individual user account on the Platform.
• Workspace: a business workspace on the Platform, configured for a particular industry preset (“Pack”) and operated by one or more Members.
• Member: an individual you invite to act inside a Workspace, with a role you assign.
• Customer: an end user of a Workspace — the person who messages, buys from, or otherwise interacts with that Workspace through the Platform.
• Connected Channel: an external messaging or social account a Workspace has connected to the Platform (currently WhatsApp Business, Instagram, and Facebook Messenger via Meta’s official APIs).
• Storefront: a Workspace’s public site published by the Platform on the sme.pro domain or on a custom domain the Workspace owns.
• Content: any information, files, messages, or materials you, your Members, or your Customers submit, upload, send, or display on the Platform.

To use the Platform you must be at least 18 years old and legally capable of entering into a binding contract under the laws that apply to you. You must provide accurate, current, and complete information when you sign up, and you must keep that information up to date.

You are responsible for safeguarding your login credentials and for everything that happens under your Account. You must notify us promptly at hello@frontdesk.africa if you suspect unauthorised access.

We may require identity verification (Know Your Customer, or “KYC”) before you can create or operate a Workspace, connect certain Channels, accept payments, or withdraw funds. We may decline or revoke verification at our discretion where we cannot reasonably satisfy our compliance obligations.

A single Account can hold or join one or more Workspaces. Each Workspace lets you:

• Run an omnichannel inbox. Connect WhatsApp Business, Instagram, and Facebook Messenger accounts you control, and answer Customers from one place.
• Publish a Storefront. A public site for your business with sections, products, packages, forms, and content blocks, hosted on sme.pro or on a custom domain you own.
• Manage customers and contacts. Keep a contact book that is unified across messages, orders, and forms.
• Sell and get paid. Accept orders, generate invoices, and collect payments through our payment partner (currently Paystack).
• Use built-in workflow tools. Files, notes, scheduled tasks, and optional AI assistants that help you draft replies and summarise activity.

The features available to a Workspace depend on the Pack it has selected and on its billing plan. We may add, change, or remove features from time to time on reasonable notice.

When you connect a Channel, you authorise us to act on your behalf through the Channel’s official Business APIs to receive, store, and send messages. You confirm that:

• you are entitled to connect that Channel and to communicate with the Customers it reaches;
• you will comply with the rules and policies of the Channel operator (including, for Meta, the WhatsApp Business Policy and Meta’s Platform Policies) and any applicable messaging-consent and anti-spam laws;
• you will not use the Channel to send unsolicited promotional messages, deceptive content, or anything prohibited by the Channel operator;
• you remain the controller of the Customer information that flows through the Channel and the contact data created in your Workspace; the Platform processes it on your instructions, as described in our Privacy Policy.

You can disconnect a Channel at any time. If a Channel operator suspends or restricts your access, we will reflect that suspension on the Platform until you resolve it with the operator directly.

If you publish a Storefront, you are responsible for the lawfulness, accuracy, and quality of everything it contains, including listings, prices, photos, claims about your business, and the goods or services it offers. You confirm that your Storefront, and any transaction it facilitates, complies with the laws that apply to you and to your Customers.

You may connect a custom domain you own to your Storefront. You are responsible for paying for and configuring that domain. We may decline to serve a custom domain that would breach a law, a third-party right, or these Terms.

Payments collected from Customers are processed by our payment partner (currently Paystack) under that partner’s terms. We do not store full card numbers. You are responsible for fulfilling orders, honouring refunds and chargebacks where due, and meeting tax and consumer-protection obligations that apply to your Workspace. We may deduct fees, refunds, or chargeback amounts from settlement, and we may withhold or delay settlement where we have a reasonable basis to investigate fraud, abuse, or a breach of these Terms.

You retain ownership of the Content you submit. You grant Live Capital Limited a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, adapt for format, transmit through Connected Channels you authorise, and display that Content solely for the purpose of operating, securing, and improving the Platform, providing the services you have asked us to provide, and complying with law. The licence ends when you delete the Content or close the relevant Workspace, except where we are legally required to retain it (for audit, anti-money laundering, or dispute purposes) or to the extent it has already been shared with Customers who have an ongoing legitimate interest (such as a Customer who has placed an order).

You confirm that you have all rights necessary to submit your Content and to grant this licence, and that the Content does not infringe anyone’s rights or violate applicable law.

You agree not to:

• misrepresent your identity, business, or financial position;
• use the Platform for money laundering, terrorist financing, sanctions evasion, fraud, or any other unlawful purpose;
• send unsolicited bulk messages, harvest contacts without consent, or otherwise abuse a Connected Channel in breach of the operator’s rules;
• attempt to access another user’s Account, Workspace, or data without authorisation;
• scrape, crawl, copy in bulk, or systematically extract data from the Platform except via interfaces we provide and explicitly authorise;
• reverse engineer, decompile, or attempt to extract the source code of any part of the Platform, except to the extent applicable law expressly permits;
• interfere with the operation, security, or integrity of the Platform, including by transmitting malware or attempting denial-of-service;
• post Content that is unlawful, defamatory, obscene, hateful, or that infringes intellectual-property or privacy rights;
• sell, advertise, or facilitate goods or services that are illegal in the territory where you or your Customers are located (including, but not limited to, regulated financial services without authorisation, controlled substances, weapons, or counterfeit goods);
• use the Platform to circumvent legal, regulatory, or contractual obligations you owe to any third party.

Optional AI features in the Platform may summarise conversations, draft replies, categorise contacts, or perform similar assistive tasks inside your Workspace. The output of these features is a suggestion only. You are responsible for reviewing it before it is sent to a Customer or treated as a business decision. We process your Content with these features only inside the originating Workspace and only when you have enabled them. We do not use your Content to train models that benefit other Workspaces.

The Platform may include free and paid plans. Where we charge fees (for example, a subscription fee, a transaction fee on payments, or a usage-based charge), the applicable amount, currency, and timing will be displayed before you commit. Fees may be billed in advance and are non-refundable except where required by law. We may change or introduce fees on reasonable prior notice, and any change will not apply retroactively to obligations already incurred.

You may close your Account or a Workspace at any time. We may suspend or close your Account or any Workspace, with or without notice, if we reasonably believe you have breached these Terms, a Connected Channel’s rules, applicable law, or our risk and compliance policies. We may also suspend access while we investigate suspected misuse, or where a Channel operator requires us to.

On termination, sections that by their nature should survive (including the licence to your Content for legitimate retention, risk and liability sections, governing law and dispute resolution, and any payment obligations already incurred) will continue to apply.

The Platform is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Live Capital Limited disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or secure against every conceivable threat, although we work to make it reliable and safe.

Statements made by Workspaces, Members, Customers, or other users are their statements, not ours. We do not endorse, recommend, or guarantee any Workspace, Storefront, listing, product, or service offered through the Platform.

To the maximum extent permitted by law, Live Capital Limited (and our officers, directors, employees, and agents) will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profit, revenue, business, goodwill, anticipated savings, opportunity, or data, arising out of or in connection with the Platform or these Terms, whether based in contract, tort (including negligence), or any other theory, even if we have been advised of the possibility of such loss.

Our aggregate liability to you for any claim arising out of or relating to these Terms or the Platform will not exceed the greater of (a) the fees you have paid to us in the twelve (12) months immediately before the event giving rise to the claim, and (b) one hundred United States dollars (USD 100). Nothing in this section limits liability that cannot be limited under applicable law (including liability for fraud or for personal injury caused by negligence).

You will indemnify and hold Live Capital Limited harmless from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of (i) your breach of these Terms or applicable law, (ii) your Content, (iii) your use of a Connected Channel in breach of its operator’s rules, or (iv) your use of the Platform in a way that injures another user or a third party.

The Platform, including its software, design, trademarks, logos, and branding (including the names “FrontDesk” and “Live Capital”) are owned by Live Capital Limited or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform in accordance with these Terms. No other rights are granted by implication.

Parts of the Platform rely on third-party services (for example, hosting, email and SMS delivery, analytics, identity verification, AI assistance, messaging-channel operators, and payments). Their availability and behaviour are outside our direct control, and your use of those services may be subject to their own terms. Our handling of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

We may update these Terms from time to time. If we make a material change, we will give reasonable notice (for example, by email or by an in-product banner) before the change takes effect. Your continued use of the Platform after the change becomes effective means you accept the updated Terms. If you do not accept the change, you should close your Account before it takes effect.

These Terms and any dispute arising out of or in connection with them or with the Platform are governed by the laws of the Federal Republic of Nigeria, without regard to its conflict-of-laws principles.

The parties will first try in good faith to resolve any dispute by negotiation, by notifying the other party in writing of the dispute and giving the other party at least thirty (30) days to respond. If the dispute is not resolved within sixty (60) days of that notice, it will be finally settled by arbitration administered by the Lagos Court of Arbitration under its rules in force at the time of submission. The seat of arbitration will be Lagos, Nigeria. The arbitral tribunal will consist of one arbitrator. The language of the arbitration will be English. Either party may seek urgent interim or injunctive relief from a court of competent jurisdiction in Lagos pending the constitution of the tribunal.

• Entire agreement. These Terms, together with the Privacy Policy and any plan-specific terms you accept, are the entire agreement between you and Live Capital Limited regarding the Platform.
• Severability. If any part of these Terms is held unenforceable, the rest remains in effect.
• No waiver. A failure to enforce a right is not a waiver of that right.
• Assignment. You may not assign these Terms without our written consent. We may assign these Terms to an affiliate or in connection with a reorganisation or sale of substantially all our assets.
• Force majeure. Neither party is liable for failure to perform due to events beyond reasonable control (including acts of government, internet outages, cyberattacks, civil unrest, or natural disasters).
• Notices. We may give you notice by email or via the Platform. You can give us notice at hello@frontdesk.africa or by post to the address below.

Live Capital Limited (RC 7880441)
32C Cameron Road, Ikoyi, Lagos, Nigeria
+234 (0) 901 392 2180
hello@frontdesk.africa