MAC Homes Ltd ("MAC Homes," "we," "us," or "our") owns and operates mac-homes.com and any associated web or mobile applications (collectively, the "Platform"). These Terms and Conditions ("Terms") govern your access to and use of the Platform and all services offered through it.
By registering an account, listing a property, making a booking, or otherwise using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms and all applicable laws of the Republic of Ghana. If you do not agree, you must not use the Platform.
1. Definitions
| Term | Meaning |
|---|---|
| Guest | A registered user who searches for, enquires about, or books a property through the Platform. |
| Host | A registered user who lists one or more properties for short-stay rental on the Platform. |
| Co-host | A person invited by a Host to assist in managing a listed property. |
| Worker / Staff | A person employed or engaged by a Host through the Platform's staff employment feature. |
| Ambassador | A user enrolled in the MH Ambassador Programme who earns referral commissions by promoting the Platform. |
| Booking | A confirmed reservation of a listed property by a Guest. |
| Platform Fee | The service charge deducted by MAC Homes from each completed Booking transaction. |
| Wallet | The in-Platform balance account held for each registered user. |
| GHS | Ghana Cedis, the lawful currency of the Republic of Ghana. |
2. Eligibility and Account Registration
2.1 You must be at least 18 years of age and legally capable of entering into a binding contract under Ghanaian law to register an account or use the Platform.
2.2 You agree to provide accurate, current, and complete information during registration and to keep your account details up to date at all times.
2.3 You are solely responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at support@mac-homes.com if you suspect any unauthorised access to your account.
2.4 MAC Homes reserves the right to suspend or permanently deactivate any account that violates these Terms, provides false information, or engages in fraudulent or harmful conduct.
2.5 Certain features — including wallet withdrawals and account-critical actions (such as account deletion or contact detail changes) — require completion of two-factor authentication (2FA) via a one-time password (OTP) sent to your registered phone number or email address. You must maintain access to your registered contact details to use these features.
3. Host Obligations
3.1 Accurate Listings. Hosts must ensure that all property descriptions, photographs, pricing, availability, and amenity information are accurate, up to date, and not misleading.
3.2 Legal Compliance. Hosts are solely responsible for ensuring that their property complies with all applicable Ghanaian laws, including zoning regulations, building codes, health and safety standards, and any local authority requirements applicable to short-stay or hospitality use.
3.3 Tax Obligations. Hosts are responsible for determining and fulfilling any tax obligations arising from rental income, including obligations under the Income Tax Act, 2015 (Act 896) and the Value Added Tax Act, 2013 (Act 870) of Ghana. MAC Homes does not withhold or remit taxes on behalf of Hosts.
3.4 Availability Calendar. Hosts must keep their availability calendar accurate. MAC Homes provides iCal synchronisation with third-party platforms (including Airbnb, Booking.com, Vrbo, and Google Calendar) to assist with this. Hosts are responsible for managing any booking conflicts arising from multi-platform listings.
3.5 Co-hosts and Staff. Hosts may invite Co-hosts and employ Workers through the Platform. Hosts remain fully responsible for the conduct of any Co-host or Worker acting in connection with their listed property. The engagement of Workers through the Platform does not create any employment relationship between MAC Homes and such Workers.
3.6 Property-to-Project Conversion. Hosts may elect to convert a property listing into a MAC Homes development project through the Platform. Upon conversion, the listing will be marked with a "Project: Pending" status and standard host editing and earnings features will be suspended pending review and approval by MAC Homes.
4. Guest Obligations
4.1 Guests must use booked properties solely for lawful purposes and in accordance with the Host's stated house rules.
4.2 Guests are responsible for any damage caused to a property during their stay beyond normal wear and tear.
4.3 Guests must not exceed the maximum occupancy stated in the listing.
4.4 Guests acknowledge that MAC Homes acts solely as an intermediary marketplace platform and is not a party to the rental agreement between Guest and Host.
5. Bookings and Payments
5.1 Booking Confirmation. A Booking is confirmed only upon successful payment processing through the Platform's integrated payment gateway (Paystack). Availability is not guaranteed until payment is confirmed.
5.2 Pricing and Currency. All prices displayed on the Platform are in Ghana Cedis (GHS) unless otherwise stated. A 60% down payment is collected at the time of booking; the remaining balance is due in accordance with the payment schedule presented at checkout.
5.3 Platform Commission. MAC Homes deducts a 12% platform commission from each completed Booking. The net amount is credited to the Host's Wallet after the applicable clearance period.
5.4 Payment Processing. Payments are processed by Paystack in accordance with Paystack's own terms of service. MAC Homes is not responsible for payment failures, delays, or errors attributable to Paystack or the Guest's financial institution.
5.5 Cancellations and Refunds. Cancellation and refund terms are as stated on the individual property listing at the time of booking. Refunds, where applicable, will be processed within 7–14 working days and are subject to Paystack processing timelines.
5.6 Chargebacks. Guests who initiate an unjustified chargeback may have their account suspended and may be liable for any costs incurred by MAC Homes in disputing the chargeback.
6. Wallet and Withdrawals
6.1 Funds credited to your Wallet represent amounts owed to you by MAC Homes. The Wallet is not a regulated banking or financial product, and MAC Homes is not a financial institution.
6.2 Withdrawal requests require identity verification via two-factor authentication (OTP). MAC Homes reserves the right to request additional verification before processing any withdrawal.
6.3 Approved withdrawals are processed within 3–7 working days. MAC Homes is not liable for delays caused by the recipient's bank or mobile money provider.
6.4 Minimum and maximum withdrawal limits may apply and will be communicated within the Platform.
7. MH Ambassador Programme
7.1 Eligible users may enrol in the MH Ambassador Programme to earn referral commissions by promoting the Platform and referring new Hosts or Guests.
7.2 Referral commissions are calculated as a percentage of the Platform Fee generated by qualifying Bookings made by referred users, as set out in the Programme terms displayed within the Platform.
7.3 MAC Homes reserves the right to modify, suspend, or terminate the Ambassador Programme at any time. Commissions already credited to a Wallet will not be forfeited upon termination of the Programme.
7.4 Fraudulent referral activity — including self-referrals, use of fake accounts, or manipulation of the referral system — will result in immediate account suspension and forfeiture of all accrued commissions.
8. Intellectual Property
8.1 All content on the Platform — including text, graphics, logos, software, and data compilations — is the property of MAC Homes Ltd or its licensors and is protected under the Copyright Act, 2005 (Act 690) of Ghana and applicable international intellectual property laws.
8.2 You may not reproduce, distribute, modify, or create derivative works from any Platform content without the prior written consent of MAC Homes.
8.3 By uploading photographs, descriptions, or other content to the Platform ("User Content"), you grant MAC Homes a non-exclusive, royalty-free, worldwide licence to use, display, reproduce, and distribute such User Content for the purposes of operating and promoting the Platform.
8.4 You represent and warrant that you own or have the necessary rights to all User Content you upload, and that such content does not infringe the rights of any third party.
9. Prohibited Conduct
You must not use the Platform to:
- List, advertise, or facilitate the rental of any property without the legal right to do so;
- Engage in fraudulent, deceptive, or misleading conduct toward other users or MAC Homes;
- Circumvent, disable, or interfere with any security or authentication feature of the Platform;
- Harvest, scrape, or collect personal data of other users without consent;
- Upload content that is defamatory, obscene, discriminatory, or otherwise unlawful under Ghanaian law;
- Violate the Electronic Transactions Act, 2008 (Act 772), the Cybersecurity Act, 2020 (Act 1038), or any other applicable Ghanaian legislation;
- Engage in money laundering, terrorist financing, or any activity prohibited under the Anti-Money Laundering Act, 2020 (Act 1044) of Ghana.
10. Data Protection and Privacy
10.1 MAC Homes collects and processes personal data in accordance with the Data Protection Act, 2012 (Act 843) of Ghana.
10.2 By using the Platform, you consent to the collection, storage, and processing of your personal data as described in our Privacy Policy, which forms part of these Terms.
10.3 Your personal data may be shared with third-party service providers (including Paystack and Twilio) solely for the purpose of providing Platform services. MAC Homes does not sell your personal data to third parties.
10.4 You have the right to access, correct, and request deletion of your personal data held by MAC Homes, subject to applicable legal retention obligations. Requests may be submitted to support@mac-homes.com.
10.5 SMS and email communications — including OTP messages — are sent for account verification, booking confirmations, and service notifications. You may opt out of marketing communications at any time.
11. Limitation of Liability
11.1 MAC Homes acts as an intermediary marketplace platform. We do not own, manage, or control any listed property and are not a party to any rental agreement between a Host and a Guest.
11.2 To the fullest extent permitted by Ghanaian law, MAC Homes shall not be liable for:
- Any loss or damage to property during a stay;
- Any personal injury sustained at a listed property;
- Any inaccuracy in a property listing provided by a Host;
- Any failure or delay in payment processing attributable to Paystack or a financial institution;
- Any indirect, consequential, or special loss arising from use of the Platform.
11.3 Nothing in these Terms limits MAC Homes' liability for fraud, gross negligence, or any liability that cannot be excluded under Ghanaian law.
12. Indemnification
You agree to indemnify, defend, and hold harmless MAC Homes Ltd, its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Platform, your breach of these Terms, or your violation of any applicable law.
13. Dispute Resolution
13.1 In the event of a dispute between a Guest and a Host, MAC Homes may, at its discretion, offer mediation assistance but is not obligated to resolve such disputes.
13.2 Any dispute between you and MAC Homes arising out of or in connection with these Terms shall first be referred to good-faith negotiation. If unresolved within 30 days, the dispute shall be submitted to arbitration in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798) of Ghana.
13.3 Nothing in this clause prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction.
14. Governing Law and Jurisdiction
These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Ghana. Subject to the arbitration clause above, you irrevocably submit to the exclusive jurisdiction of the courts of Ghana for the resolution of any dispute arising under or in connection with these Terms.
15. Amendments
MAC Homes reserves the right to amend these Terms at any time. Material changes will be communicated to registered users via email or in-Platform notification at least 14 days before taking effect. Continued use of the Platform after the effective date of any amendment constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable under Ghanaian law, that provision shall be severed and the remaining provisions shall continue in full force and effect.
17. Contact
For questions, complaints, or data protection requests, please contact:
MAC Homes Ltd Email: support@mac-homes.com Website: mac-homes.com
Last updated: September 13, 2026
