Terms of Service for hosts

Last updated 19 October 2026

1. About these terms

These terms are an agreement between you and Cirrocore Technologies Limited ("SikaStay", "we", "us"). Our address: D41 Gray ST, Oyibi Accra. You can reach us at derekasa@cirrocore.com or through the contact form.

By creating an account, or by using SikaStay to run a booking site, you agree to these terms and to our Privacy Policy. If you sign up for a business, you confirm that you have the authority to bind it, and "you" means both you and the business. If you do not agree, do not use SikaStay.

2. What SikaStay is, and is not

SikaStay is software. It gives you a booking website at your own address, an availability calendar, a checkout, a dashboard, and email notifications. Payments are processed by Paystack.

• You are the seller. When a guest books on your site, the booking is a contract between you and the guest. We are not a party to it.
• We are not a hotel, travel agent, tour operator, property manager or insurer. We do not own, inspect, control or guarantee any property, vehicle, host, listing or guest.
• We are not a marketplace. We do not run a public directory of stays, and we do not set your prices, rules or policies.
• We provide the service, and we may take certain steps to protect guests and the platform, which these terms describe. Taking or not taking those steps does not make us responsible for your property or your guests.

3. Your account

• You must be at least 18 and able to enter a binding contract.
• Give accurate, complete information and keep it up to date, including your email address and phone number. You must confirm your email address before your site can go live.
• Keep your password safe and use one that is unique to SikaStay. You are responsible for everything done through your account. Tell us straight away if you think it has been misused.
• Only the account owner may change payout details. If you give other people access, you are responsible for what they do.
• When we update these terms materially, we may ask you to accept the new version before you can open your listings to guests.

4. Verification

Before a site can go live we check certain things, for example that you control a live listing on another booking platform, or other details we ask for. This is a limited check to reduce misuse and fake listings.

• Verification does not mean we endorse you, inspect or license your property, or guarantee the accuracy of anything on your site.
• We may refuse, delay or withdraw verification at any time, for example if we cannot confirm your details or we receive a credible concern.
• Giving false or misleading information, or proof that does not belong to you, is a serious breach and can lead to immediate termination.

5. Your responsibilities as a host

You promise that:

• you own the property or vehicle you list, or you have the legal right to rent it to guests, including any permission needed from owners, landlords, partners or neighbours;
• everything on your site is accurate and not misleading, including descriptions, photos, prices, fees, availability, house rules and location;
• you keep your calendar up to date and do not accept bookings you cannot honour, including bookings made through other platforms;
• you understand that connecting your Airbnb calendar is a convenience. Calendars are checked every few minutes by us and every few hours by Airbnb, so a booking made moments earlier can be missed. You stay responsible for avoiding double bookings and for checking that your calendar is still connected;
• you hold and keep every licence, registration and permit that applies to you, which in Ghana may include registration and licensing with the Ghana Tourism Authority, business registration, and local authority permits;
• you pay all taxes that apply to your income and bookings, such as income tax, VAT where it applies, and the tourism levy. We do not collect or pay these for you;
• your property is safe and suitable for guests, with reasonable fire, security and sanitation measures, and you comply with health, safety and building rules;
• you treat all guests fairly and do not discriminate; and
• you follow all laws that apply to you, including consumer protection and data protection laws.

You, and not SikaStay, are responsible for the accommodation, its condition and safety, the guest's stay, and any injury, loss or damage connected with it.

6. Bookings, cancellations and refunds

• For each listing you choose one of our standard cancellation policies: Flexible, Moderate, Firm or Non-refundable. Guests see it before they pay, and the version that applied is saved with the booking. You must honour it.
• If you cancel a confirmed booking, or cannot provide the stay as described, the guest is entitled to a full refund, and you must do everything reasonable to help them, including finding a comparable alternative if they ask.
• You are responsible for every refund that is owed under your policy, under the law, or because the stay was not as described.
• You authorise us to issue refunds to guests on your behalf, from your share of the booking, when they are owed under your policy or the law, or when we reasonably decide a refund is needed to protect a guest. If the money has already been paid out to you, you must repay it within 7 days of our request. We may also set it off against anything we owe you.
• Claims for damage by a guest are between you and the guest.

7. Payments and payouts

• Guests pay through Paystack. We never see or store full card details.
• You appoint us as your limited agent to collect payments from guests on your behalf. When a guest pays us, they have paid you.
• Each payment is split automatically. Your share goes to the payout account you connect, which must be in your name or your business's name. Paystack decides settlement timing, and its terms apply to you as well as to us.
• We do not hold your money in an account or pay interest. Where it is possible and allowed by law and our payment partners, we may delay, hold, reduce, reverse or refuse a payout if we reasonably suspect fraud, a rule breach, a dispute or chargeback, or where the law requires it.
• New-host limits. New accounts start with limits on how many bookings, and how much money, they can take online, and on the size of a single booking. We raise or lift these limits as an account builds a track record, and we can apply or change limits for any host to manage risk. While a limit is reached, your site stops taking new online bookings.
• You are responsible for keeping your payout details correct. We are not responsible for a payout sent to the details you gave us.

8. Our fees

• SikaStay charges a commission of 6% of the total a guest pays for each confirmed booking. There is no monthly fee at the moment.
• Paystack's payment processing fee is paid from your share of each booking.
• If a booking is refunded, our commission on the refunded amount is returned too. We do not keep commission on money that goes back to the guest.
• We may change our fees. We will give you at least 30 days' notice, and the new fees only apply to bookings made after the change.
• Fees are shown without any taxes that apply to them.
• Domains. You can connect a domain you already own, or ask us to register one for you. If we register one, you pay the price shown first, for the first year. If we cannot register it, you get a full refund. Once it is registered, the payment is not refunded. The domain is registered in your name, renewing it each year is your responsibility, and we will give you what you need to move it to another provider if you leave. You are responsible for everything published on your domain, and we may disconnect a domain from our service if it breaks these terms.

9. Chargebacks and disputes

A guest can dispute a card payment with their bank. This is a chargeback. Chargebacks have short deadlines.

• You are responsible for chargebacks, reversals and related fees on your bookings, including the disputed amount and any penalty charged to us because of them.
• When we ask for evidence, such as confirmation emails, messages and proof of the stay, you must provide it quickly, usually within 24 hours, so we can respond in time.
• We may recover these amounts by deducting them from future payouts, setting them off against other amounts we owe you, or invoicing you. You must pay within 7 days of an invoice.
• A high number of disputes or refunds can lead to holds on payouts, a limit on bookings, suspension or termination.

10. Your content

• You keep ownership of the text, photos and other content you add. You confirm that you have the right to use it.
• You give us a non-exclusive licence to host, store, display and send your content so we can run your site, show your listings to guests and send booking emails.
• We may remove or disable content that breaks these terms, the law, or another person's rights.

11. Acceptable use

You must not use SikaStay to:

• list a property or vehicle that you do not have the right to rent out, or pretend to be someone else;
• mislead guests, take payments for stays that do not exist, or run any other scam;
• break any law, or support illegal, abusive, hateful or sexually explicit activity;
• discriminate against, harass or threaten anyone;
• process payments for anything other than genuine bookings on your own site;
• get around verification, rate limits or security checks, or access the service by automated means except through tools we provide;
• send spam, or use guest information for anything other than the booking and legitimate hosting of the guest; or
• copy, resell or interfere with the service, or introduce malware.

12. Guest data and privacy

• When a guest books on your site, you decide why their details are used, so in data protection terms you are the data controller for those guest details. We process them on your behalf to provide the service.
• You must have a lawful reason to use guest data, tell guests how you will use it, use it only to host them and meet your legal duties, keep it secure, and not sell or share it for other purposes. You must also register with the Data Protection Commission of Ghana if the law requires you to.
• Our guest pages link to our Privacy Policy and Guest Terms. If you collect extra information, for example guest identification at check-in, you are responsible for doing so lawfully and for protecting it.
• Tell us without delay if you become aware of a loss or unauthorised use of guest data connected with your site.
• For your own account, billing and security data, we are the controller. See our Privacy Policy.

13. The service

We work hard to keep SikaStay available, but we do not promise it will always be uninterrupted or error-free, and we do not promise any level of bookings or income. We may change, improve or stop features, and we will give reasonable notice of changes that significantly affect you. We may do maintenance at any time.

14. Suspension and ending these terms

• You can close your account at any time. You must still honour confirmed bookings and pay amounts you owe.
• We may pause your listings, take your site offline, hold payouts where possible, or suspend or end your account straight away if you break these terms, we reasonably suspect fraud or risk to guests, we cannot verify you, we receive credible complaints, the law requires it, or you do not pay what you owe. Where reasonable we will tell you why.
• If we end your account, confirmed bookings remain your responsibility. We may cancel and refund them if that is needed to protect guests, and recover the cost from you under section 6.
• Sections that by their nature should continue, including fees owed, refunds, chargebacks, liability, indemnity and governing law, continue after these terms end. We keep records for as long as our Privacy Policy and the law allow.

15. Reports and complaints

Anyone can report a concern about a host, listing or booking through our contact form. We may investigate, ask you for information, remove content, pause your listings or suspend your account. We are not obliged to monitor hosts or to resolve disputes between you and a guest, and we are not liable if we choose to help or not to.

16. Disclaimers and liability

• SikaStay is provided "as is" and "as available". To the extent the law allows, we do not give any warranty about it, including that it is suitable for your purpose.
• We are not responsible for what hosts or guests do or fail to do, for the condition of any property or vehicle, or for any loss, injury or damage connected with a stay.
• To the extent the law allows, we are not liable for indirect or consequential loss, or for loss of profit, revenue, bookings, data or goodwill.
• To the extent the law allows, our total liability to you for all claims is limited to the commission you paid us in the 12 months before the claim arose, or GHS 1,000 if you paid none.
• Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud or wilful misconduct.

17. Indemnity

You will defend us and pay for any claim, loss, cost or expense, including reasonable legal fees, that a guest, authority or other third party brings against us because of your listings, your property, your conduct, your content, your taxes, your breach of these terms or the law, your dealings with guests, or chargebacks on your bookings. This does not apply to the extent the claim is caused by our own wilful misconduct.

18. Changes to these terms

We may update these terms. For material changes we will give at least 30 days' notice by email or in your dashboard, except where a shorter period is needed to comply with the law or to deal with an urgent risk. If you keep using SikaStay after the change takes effect, you accept the new terms. If you do not agree, close your account before the change takes effect.

19. General

• Governing law. These terms are governed by the laws of Ghana. If we have a dispute, we will first try to settle it informally for 30 days. After that, the courts of Ghana have jurisdiction.
• Our relationship. We are independent businesses. You are not our employee or partner. We act as your agent only for collecting payments, as set out in section 7.
• Notices. We may send notices to your account email or show them in your dashboard.
• The whole agreement. These terms and the Privacy Policy are the whole agreement between us about SikaStay. If part of them cannot be enforced, the rest still applies. If we do not enforce a right straight away, we do not give it up.
• Transfers. We may transfer these terms to a company that takes over our business. You may not transfer them without our written consent.
• Events outside our control. We are not liable for delay or failure caused by events beyond our reasonable control, including outages of payment, telecom, hosting or internet providers.

You can reach us at derekasa@cirrocore.com or through the contact form.