Finduy | Terms

1. Terms & Conditions

1.1 Agreement to Terms

By accessing our mobile app, website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

“Finduy” refers to the Company Name for the owner and operators of the Finduy ecommerce marketplace platform.
Customer means any individual using Finduy to purchase goods/services.
Vendor refers to sellers registered on Finduy.
Delivery Partner refers to anyone registered to provide delivery services on Finduy.

These terms apply to all users, visitors, and others who access or use our services.

1.2 Intellectual Property Rights

Our service and its original content, features, and functionality are owned by us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

All content is our exclusive property
You may not copy or modify the content
Our trademarks may not be used without permission
Content is for personal, non-commercial use only

1.3 User Accounts

When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

Important Notice

You are responsible for safeguarding the password and for all activities that occur under your account.

1.4 Account Registration & KYC Verification

Eligibility

Customers, vendors, and delivery partners must be at least 18 years old or have guardian consent
Provide valid contact details (Ghanaian phone number/email)
Complete KYC verification for full platform access

KYC Requirements

All users must complete identity verification to access certain features:

Required Documents: Valid government-issued ID (Ghana Card, Passport, or Driver's License)
Liveness Check: Real-time photo capture to verify identity
Verification Process: System compares ID photo with liveness check photo for matching
Account Restrictions: Unverified accounts have limited access to platform features

After registration, Customers and vendors have only one chance to change their name unless otherwise approved by Finduy support.

1.5 Prohibited Conduct

Customers, Vendors and Delivery Partners must NOT:

Use fake/stolen payment methods or identities

Submit fraudulent KYC documents or liveness checks

Harass other users

Exploit refund policies (e.g., false damage claims)

Use multiple accounts with single KYC identity

1.6 Consumer Rights (Under Ghana Law)

Vendors have the right to:

Clear pricing (no hidden fees)
Cancel within cooling-off period (14 days for annual plans and 7 days for monthly plan. Charges applied)
Dispute unfair charges via the Ghana Consumer Protection Commission (CPC)
Receive payments for delivered orders within specified timelines
Request KYC data deletion after account closure (subject to legal requirements)

1.7 Dispute Resolution

Order, delivery, payment, and KYC disputes must first be escalated to Finduy Support
Unresolved issues can be reported to:

KYC verification disputes must include reference ID and supporting documentation

1.8 Force Majeure

Finduy is not liable for service disruptions caused by:

MTN/Telecel network issues
Bank/Mobile Money delays
Government regulations affecting digital payments or KYC verification
Technical failures in third-party identity verification services

1.9 Limitation of Liability

Finduy is not liable for:

Vendor product quality or delivery issues
Payment delays due to third-party payment processors
KYC verification failures due to poor document quality or network issues

But report all unprofessional activities to Finduy Support Team.

2. Ordering & Delivery Policy

2.1 Order Placement

Customers can browse and order products/services from verified vendors
All orders are considered binding agreements between customer and vendor
Order cancellation policies are determined by individual vendors
Vendors must maintain accurate stock levels and pricing

2.2 Payment Terms

Payment on Delivery Only: All transactions are cash-on-delivery via Mobile Money
Vendor Payment Details: Vendors must provide valid Mobile Money (MoMo) details to receive payments
Payment Processing: Payments are processed within 1-7 business days after successful delivery confirmation
Minimum Payment: GHS 20 per transaction
Maximum Payment: GHS 1,500 per transaction

2.3 Delivery Terms

Delivery timelines are set by vendors and displayed during checkout
Customers must provide accurate delivery addresses and contact information
Delivery fees are determined by distance and displayed before order confirmation
Customers must inspect goods upon delivery before payment
Delivery personnel are independent contractors, not Finduy employees

Payment Security Notice

Only make payments upon delivery confirmation and product inspection. Never share your Mobile Money PIN with delivery personnel.

3. Subscription Policy

3.1 Subscription Plans

All our subscriptions are on monthly bases and not on Auto-renewals
Vendors must always renew manually from 1 month to 12 months

Vendors in Ghana can choose between:

Monthly Plan: Every 30 days
Annual Plan: Every 12 months (5% discounted rate)
Prices are displayed in Ghanaian Cedis (GHS) and include applicable taxes

3.2 Payment Methods

Accepted payment options:

Mobile Money (MTN, Telecel, AirtelTigo)
Debit/Credit Cards (Visa, Mastercard)
Bank Transfers (Ghanaian banks)

3.3 Automatic Renewals & Cancellation

Subscriptions are not auto-renewed and renewal means acceptance
To cancel, vendors must:

Contact Finduy Support Team via email with:

Valid ID used for the registration
Transaction reference number
Transaction number (Momo or bank Details NOTE: TRANSACTION CAN BE REVERISED TO THE MEDIUM USED IN SUBSCRIPTION)

Cancellation takes effect immediately

3.4 Changes to Subscription Terms

Finduy may update pricing or features but may notify vendors 30 days in advance via email/SMS. Continued use after changes implies acceptance.
Vendors can upgrade to a higher subscription while using an unexpired lower subscription.
Refund Policy (Ghana Consumer Law Compliant)

4. Refund Policy

4.1 Refund Eligibility

Monthly Subscriptions: No full refund. If requested even a day of purchase. Request refund within 7 days of purchase.
Annual Subscriptions: No full refund. Refund can be requested within 14 days (aligned with Ghana's consumer protection guidelines). After 14 days, prorated refunds apply for unused months.
Order Refunds: Handled by individual vendors according to their stated policies
KYC Verification Fees: Non-refundable once verification process has begun

4.2 Non-Refundable Cases

No refunds for:

Partial months used
Manual renewals and failure to cancel on time
Suspended accounts (fraud, policy violations, KYC fraud)
Orders delivered as described by vendor
KYC verification attempts (successful or unsuccessful)

4.3 How to Request a Refund

Email support@finduy.com with:

Vendor name & transaction ID
Mobile Money/account details for refund processing
For order refunds: delivery confirmation and issue description

Refunds processed within 7 business days (via original payment method).

5. User Referral Program Policy

5.1 Referral Program Overview

Finduy rewards users for inviting friends/family to join the platform through a 3-level referral system.

Payment Requirements

Users must provide valid Mobile Money (MoMo) details to receive referral rewards
KYC verification is required before referral rewards can be paid out
Payments are made to the MoMo number registered in the user's verified account

5.2 Referral Eligibility

Open to all registered Finduy users in Ghana who have completed KYC verification
Referrer must be a verified user of Finduy and referee must be new user (no existing account)
Referee must complete KYC verification to count as valid referral

5.3 Tier Referral Rewards

Levels	Who You Referred	Reward (Per Successful Referral)
Level 1	Direct referrals (people you personally invite)	25 Points
Level 2	Referrals of your Level 1 referrals (your invitee's invites)	10 Points
Level 3	Referrals of your Level 2 referrals (your invitee's, invitee's invite)	5 Points

Example:

You refer Ama (Level 1 → you earn 25 points)
Ama refers Kofi (Level 2 → you earn 10 points)
Kofi refers Esi (Level 3 → you earn 5 points)

5.4 How it Works

5.4.1 For Referrers

Share your unique referral code (found in the Finduy app)

When a referee signs up and completes their first Daily check-ins:

You earn Level 1 rewards
You unlock eligibility for Level 2 & 3 rewards
Daily check-ins give you 10 points everyday per click action
Referee must complete KYC verification for referral to be valid

5.4.2 Reward Terms

Points can be redeemed when accumulated to 2000 points at the end of the month but payment can reflect between first and second week of the next month
Daily check-ins grant you access every 30 days of 300 check-in points to redeem your accumulated points
Without 300 Daily check-ins Points, you can't redeem your Referral points in a month
Reward payments are made to your verified Mobile Money account

5.5 Prohibited Actions

No rewards for:

Fake/duplicate accounts
Self-referrals (using your own Code)
Referrals using fraudulent KYC documents
Referrals from unverified accounts

Violations may lead to:

Reward forfeiture
Account suspension
Legal action for KYC fraud

NOTE: Finduy incentivizes growth while preventing abuse – this is aligned with Ghana's Consumer Protection Act.

6. Mobile Money (MoMo) Payment Policy

6.1 Effective in: Ghana

One Phone Number Rule
Strict Requirement:
- All vendors and Customers must register with only one MTN/Telecel/AirtelTigo MoMo number linked to their verified Finduy account.
- No changes allowed (anti-fraud measure)
Verification Process:
For New Users,
Submit:
- Active Ghanaian MoMo number (registered in your name).
- Complete KYC verification with government ID and liveness check.
For Existing Users over 29 days,
To update your MoMo number:
- mail support@finduy.com from your registered email.
Provide:
- Reason for change (e.g., lost SIM). - New number + ID for verification.
72 business hours hold on Payment during review
KYC reverification may be required for MoMo number changes

6.2 Payment Limits & Timelines

Minimum Payment: GHS 20.
Maximum limit: GHS 1,500
Processing time: 1-7 business days (excludes weekends/bank holidays).
Any payment subtracts 300 daily check-ins points.
Order payments to vendors: Within 1-7 business days after delivery confirmation
Referral reward payments: Monthly, after point accumulation threshold met

6.3 Fraud Prevention

Strictly Prohibited:

Sharing your MoMo number with others for Payment
Using unregistered/third-party numbers
Multiple accounts linked to one MoMo number and ID
Using fraudulent KYC documents to verify payment accounts
Attempting to receive payments for undelivered orders

Violations will:

Freeze withdrawals for investigation
Require Ghana Police Service affidavit for reactivation (if hacked)
Result in permanent account suspension and legal action
Lead to reporting to Ghana Financial Intelligence Centre (FIC)

7. Disputes

7.1 Dispute Resolution

MoMo transfer issues? Contact:
- Finduy Support
- Your MoMo provider's fraud line (eg MTN: 100, Telecel: 111).
Provide Transaction ID, screenshot, and MoMo statement.
Order disputes: Contact vendor first, then Finduy support if unresolved
KYC verification disputes: Provide reference ID and clear documentation

7.2 Why This Matters for Ghana

Aligns with Bank of Ghana's Anti-Money Laundering (AML) rules
Reduces MoMo fraud (e.g., SIM swap scams)
Ensures seamless payouts for Users and Vendors
Complies with Ghana Data Protection Act (Act 843) for KYC data
Supports Ghana's digital economy and financial inclusion goals

8. Beta Program Participation

8.1 Eligibility

Only approved beta testers invited by Finduy or verified tester can earn and liquidate points
Testers must complete KYC verification (Ghana Card + MoMo number) before liquidation
Testers must have verified Mobile Money details for reward payments

8.2 Points Earning System

8.2.1 How to Earn Points

Bug reporting: 50–500 points per valid bug
Feature feedback: 20–200 points per detailed review
Activity challenges: Variable points (Daily-Check-ins and comment on product or services)
Order completion: Additional points for testing ordering and delivery features

8.2.2 Points Valuation

1,000 points = GHC 10 (Ghana Cedis)
Max GHC 1,500 may be redeemable per tester during beta phase

8.3 Liquidation to Cash

8.3.1 Redemption Process

Payout: Finduy initiates payment monthly with 300 Daily Check-ins (min. 1,000 points)
Reflection: Payment Processed within 7 business days
Receives: Payment will be sent to verified MoMo number (MTN/Telecel /AirtelTigo)
KYC Required: Must have completed identity verification

8.3.2 Taxes & Fees

1% processing fee deducted (covers MoMo transaction fees and app maintenance costs)
Testers are responsible for declaring income per GRA tax laws

8.3.3 Ads revenue points

Ads watched helps you to get up to 25% discount on product and services on Finduy app
Delivery of Product may be free when you watch a number of Ads (will be determined with the distance of the delivery)

8.4 Program End

Finduy will Communicate the End date of the Testing.

Shares confidential beta features publicly
Submits fraudulent/fake feedback
Violates Finduy's Beta Testing Agreement
Uses fraudulent KYC for beta participation

8.5 Legal Compliance

Governed by Ghana's Data Protection Act (Act 843)
KYC processes comply with Anti-Money Laundering Act, 2020 (Act 1044)
Payment processes comply with Payment Systems and Services Act, 2019 (Act 987)
Disputes resolved via Finduy Support, then legal channels if necessary

Contact for Beta Issues

+233 20 609 7358 (Beta Support Line)

beta@finduy.com

8.6 Governing Law

This policy is governed by the Ghana Companies Act, 2019 (Act 992) and Consumer Protection Regulations
KYC compliance with Data Protection Act, 2012 (Act 843) and AML Act, 2020 (Act 1044)
Payment compliance with Payment Systems and Services Act, 2019 (Act 987)

Contact Finduy Ghana