Welcome to the WholeMatt family! 🎉 We're genuinely excited to have you. These terms are written in plain language — no legal jargon, no surprises. They exist to protect you, protect us, and make sure everyone thrives together — together under our Unified Profit-Sharing System.
At WholeMatt, we believe in building real partnerships — not just landlord-tenant arrangements. We want you to succeed, your products to sell, and your business to grow. These terms are our shared agreement: a framework that keeps things fair, transparent, and respectful for every single seller on our platform. Please read through them — and if anything ever feels unclear, our door is always open. 💬
WholeMatt has moved to a shared-success model. Here's what that means for you.
No category ownership. No single member "owns" a category. All sales profits generated across the entire WholeMatt network — regardless of which category, product, or town they come from — are pooled and shared equally among all participating members.
Daily earnings, not waiting. Instead of waiting for a specific category to sell, you earn a share of the sales made every single day across all products and all locations. This means more consistent income and better overall profits.
Who joins the new system? All new members join the unified profit-sharing system by default. Existing members who agree to the new profit-distribution model are warmly welcomed to opt in at any time from their dashboard.
Stock you bring in becomes shared. When you join the Unified system, the stock you bring into the network is forfeited into the shared pool — because you now earn a share of profit from all sales across the WholeMatt network, not just one shelf. In return, you gain daily, network-wide earnings from every approved sale.
Profit is worked out per item, then pooled across every approved sale in the WholeMatt network and split among members by the number of slots they hold. The rates below (commission 20%, KRA 16%) are set by admin and apply to every unified sale.
payout amount = selling price − KRA − commission
profit = payout amount − buying cost
network profit = sum of every approved sale's profit
your share = network profit × (your slots ÷ total network slots)
Slots can be fractional (0.5, 1, 2…), so the split is always fair no matter how many you hold.
One item sold across the network:
Selling price
KES 1,000
Buying cost
KES 600
That profit joins the pool. If the network's total profit for the month is KES 500,000, you hold 3 slots and the whole network holds 100 slots:
Your share = KES 15,000
Once your membership and lock deposit are paid, you become a participating member of the WholeMatt network and hold one or more slots. You may contribute stock to the shared shop space — that stock joins the unified pool, and you earn a share of profit from every approved sale across all locations, split among members by the slots they hold.
You are responsible for keeping your contributions well-stocked, clean, and presentable. Our shop attendants handle day-to-day sales on your behalf — your products and your pricing remain your responsibility, while the resulting profits are shared under the unified system described above.
Think of WholeMatt as one big shared shop where everyone contributes stock and everyone shares in the success. The more we all put in, the more we all earn — together.
We know handing over money takes trust. Here's exactly where it goes — and what our policy is.
Joining the Unified system requires two payments: a membership fee and a one-time lock deposit that activates your slot in the profit-sharing pool. The lock deposit covers your first month's rent, your onboarding and branding, and an administrative reserve. Every portion of these payments is non-refundable.
The entire deposit is strictly non-refundable under any circumstances. As soon as your space is confirmed, we incur real and immediate costs — spot prep, your branding, marketing campaigns, and staff onboarding. These costs cannot be recovered once committed.
Your first month's rent is included in the deposit and is also non-refundable once your space is active.
Monthly rent is due by the 5th of every calendar month, without exception. Payment must be made through the WholeMatt platform — all payments are recorded, timestamped, and traceable for your peace of mind.
We understand that sometimes things come up. If you're having trouble paying on time, please reach out to us before the 5th — we'll always try to work something out with you rather than go straight to penalties. Communication is key! 🤝
One Month Arrears: If rent is not received by the 5th, a formal reminder will be issued. Your account will be flagged and your profile may be suspended from the portal until payment is made.
Two Months Arrears — Forfeiture: If rent remains unpaid for a period spanning two consecutive months, you are deemed to have forfeited your spot and your stock. WholeMatt reserves the right to:
• Declare the space vacated and reallocate it to a new seller immediately.
• Recover outstanding rent by auctioning your goods — proceeds will first settle all outstanding rent, fees, and any associated costs, with any surplus returned to you.
• Apply the security deposit toward the outstanding balance.
• Pursue any remaining balance through appropriate legal or civil channels.
Want a second chance? We believe in people. If you've defaulted but wish to return, you're welcome to settle all arrears in full, pay a fresh deposit, and apply for reinstatement — subject to space availability. We will always review such requests with fairness.
In addition to rent, a commission on sales is charged as agreed at onboarding. This is automatically calculated from your sales and reflected on your monthly invoice.
We really, really hope it never comes to this. But we believe in being fully transparent about what happens if it does.
Upon reaching two months of unpaid rent arrears, WholeMatt will issue a notice via the registered contact details on your account. At this point, WholeMatt may take either or both of the following actions:
(a) Auction: Your goods may be sold to recover the outstanding rent balance. Proceeds will be applied to clear arrears first, then any associated costs and fees, with any surplus returned to you.
(b) Removal to Storage: Your goods may be removed from your spot and placed in WholeMatt storage. Storage fees will accrue from the date of removal.You will be notified of the storage location and the daily/weekly fee applicable.
If your goods are placed in storage, you have 30 days from the date of removal to clear all rent arrears and storage fees in full and reclaim your goods. Failure to do so within this period will result in forfeiture.
WholeMatt will keep a full record of all enforcement actions — removals, storage dates, auction proceedings, items sold, and how funds were applied. This record will be made available to the seller upon request before the forfeiture deadline.
We'll be sad to see you go, but we completely understand that circumstances change. Deposit refund options depend on whether you've started selling or not.
Before Sales Start (During Launch Period): If your location has not yet begun operations (still within the 60–90 day launch window), you may request a full refund of your deposit minus a 30% administrative deduction. This compensates us for the forfeited opportunity to assign your slot to other applicants and the costs incurred in your onboarding.
After Sales Start (Active Seller): Once your location is live and you've begun selling (goods are in your spot and sales have commenced), the deposit is non-refundable. You have two exit options:
You may choose not to pay your final month's rent and instead let your deposit cover it. In this case, you simply stop operations, clear your spot, and vacate. No further payment is required and no refund is issued. This is a clean, simple exit with no debt on either side.
If you bring a suitable replacement member who takes over your slot, your full deposit will be refunded once the replacement member completes their payment.The replacement must be vetted and approved by WholeMatt before any refund is processed. No refund is issued until the incoming seller's deposit clears and their account is activated.
To begin an exit under either option, simply notify us through the WholeMatt platform or by contacting management directly. You must keep your spot operational until your last active day — an abandoned spot with no notice is treated as a default under Section 3.
Under Option B, if a replacement is found but later withdraws before paying, no refund is issued until a new replacement completes payment. WholeMatt bears no liability for delays caused by replacement sourcing.
All payments — deposits, rent, commissions, and shared expenses — must go through the WholeMatt platform. No side payments, no cash handoffs, no external transfers. This protects you just as much as it protects us.
Every payment generates a downloadable PDF invoice automatically. These are your official financial records and proof of payment.
M-Pesa is the primary payment method. Your payment is confirmed only when the platform shows a successful transaction.
Your products must be legal, genuine, and safe for sale. We reserve the right to remove any product that violates this without prior notice.
Treat our attendants, fellow sellers, and customers with respect. We're a community here, and toxic behaviour — of any kind — will not be tolerated and may result in termination of your tenancy.
Keep your spot stocked. An empty spot is a missed sale — for both of us. Consistently bare spots may trigger a review of your space allocation.
Pricing changes, product updates, and display name changes must be done through the platform. Display names are subject to approval for brand consistency.
We believe almost every disagreement can be resolved with honest conversation. Here's our process — and we take it seriously.
All disputes must first be raised internally through the WholeMatt platform or by direct contact with management. We strongly believe that open, respectful dialogue can resolve the vast majority of issues without the need for external parties.
We commit to acknowledging all formal disputes within 3 business daysand working toward a resolution within 14 business days. If more time is needed, we'll communicate this clearly.
Disputes must not be taken to social media, public forums, or third parties before the internal resolution process has been fully exhausted. We ask this in the spirit of fairness — everyone deserves the chance to be heard and to respond properly before a matter becomes public.
Only if an internal resolution genuinely cannot be reached will the matter be referred to mediation or, as a final resort, the courts of the Republic of Kenya. These Terms are governed by Kenyan law.
We move as fast as we can, but building premium retail spaces takes real time and planning.
Once you've registered and locked your slot, your location is not immediately operational. Each new WholeMatt location takes approximately 60–90 days to prepare and begin operations.This includes site setup, staff hiring and training, technology deployment, branding, and quality assurance.
Various factors may make this timeline longer or shorter — supplier delays, regulatory approvals, unforeseen construction issues, or exceptionally fast logistics. We'll communicate openly with you if we anticipate delays beyond this window.
If a location has not opened within 90 days of your registration, and you wish to exit, you may request a refund of your deposit with a 30% administrative deduction. This reflects the opportunity cost of holding your slot and the administrative overhead of releasing it back to the pool.
Once the location goes live and you start selling, the deposit is non-refundable (see Section 5 for exit options).
Membership and slots are how you participate in the Unified Profit-Sharing system.
Membership Fee: To join the WholeMatt network you pay an annual membership fee, which grants access to the Unified Profit-Sharing system. This fee is separate from the lock deposit and is non-refundable once paid, whether or not you lock a slot.
Lock Deposit — KSh 10,500: Paying the lock deposit activates your slot in the profit-sharing pool and confirms your participation. It covers your first month's rent, onboarding and branding, and an administrative reserve. It is non-refundable once your slot is active (see Section 5 for exit options).
Slots & Capital: You hold one or more slots. You can add more slots with capital contributions (each KSh 20,000 = 1 slot) or via admin grants. Your share of the unified profit pool is based on your slots relative to the total network slots (see Section 0.5). Fractional slots (0.5, 1, 2…) are fully supported.
Earnings start when you lock: You begin earning from approved sales the day you lock your slot. Payouts unlock 30 days after your lock date (the month containing your lock date + 30 days); admins may override this start month.
Stock is shared: When you join, the stock you bring into the network joins the shared pool — you earn from all sales, not just your own shelf. Members who do not join the Unified system keep their stock but do not share in the unified pool or hold slots.
Early exit — 30% deduction: If you have locked a slot and wish to exit early, WholeMatt will process a partial refund of your lock deposit with a 30% administrative deduction. Locking a slot reserves your place in the pool; the deduction reflects the lost opportunity and the admin costs of reallocating your slot and onboarding a replacement member.
Example: If your lock deposit was KSh 10,500, your refund will be KSh 7,350 (10,500 − 30%). The deducted KSh 3,150 is retained as compensation for lost opportunity and administrative overhead.
If you exit through Option B (finding a replacement member), there is no deduction — your full deposit is refunded once the replacement's payment clears.
WholeMatt may update these Terms from time to time to reflect changes in how we operate or as required by law. When we do, we'll notify you through the platform at least 4 days before any changes take effect.
Continued use of your spot after the effective date of updated Terms constitutes acceptance of the new Terms.
© 2026 WholeMatt Portal — Founded by Anthony Koskei Njuguna (Tony Narams). Questions? info@wholematt.com