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

Eligibility

Customers and vendors must be at least 18 years old or have guardian consent
Provide valid contact details (Ghanaian phone number/email).
After registration, Customers and vendors have only one chance to change their name unless otherwise.

1.5 Prohibited Conduct

Customers, Vendors and Delivery Partners must NOT:

Use fake/stolen payment methods.

Harass other users.

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

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)

1.7 Dispute Resolution

Refund disputes must first be escalated to Finduy Support
Unresolved issues can be reported to:

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

1.9 Limitation of Liability

Finduy is not liable for:

Vendor product quality.
But report all unprofessional activities to Finduy Support Team.

2. Subscription Policy

2.1 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.

2.2 Payment Methods

Accepted payment options:

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

2.3 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

2.4 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)

3. Refund Policy

3.1 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.

3.2 Non-Refundable Cases

No refunds for:

Partial months used.
Manual renewals and failure to cancel on time.
Suspended accounts (fraud, policy violations).

3.3 How to Request a Refund

Email support@finduy.com with:

Vendor name & transaction ID.
Mobile Money/account details for refund processing.

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

4. User Referral Program Policy

4.1 Referral Program Overview

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

4.2 Referral Eligibility

Open to all registered Finduy users in Ghana.
Referrer must be a user of Finduy and referee must be new user (no existing account).

4.3 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).

4.4 How it Works

4.4.1 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.

4.4.2 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.

4.5 Prohibited Actions

No rewards for:

Fake/duplicate accounts.
Self-referrals (using your own Code).

Violations may lead to:

Reward forfeiture
Account suspension

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

5. Mobile Money (MoMo) Payment Policy

5.1 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).
    - A clear photo of your valid national ID (Ghana Card).
    - A selfie with your ID (for KYC compliance). (Future)
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

5.2 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.

5.3 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

Violations will:

Freeze withdrawals for investigation.
Require Ghana Police Service affidavit for reactivation (if hacked).

6. Disputes

6.1 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.

6.2 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.

7. Beta Program Participation

7.1 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.

7.2 Points Earning System

7.2.1 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)

7.2.2 Points Valuation

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

7.3 Liquidation to Cash

7.3.1 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).

7.3.2 Taxes & Fees

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

7.3.3 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)

8.2 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.

8.3 Legal Compliance

Governed by Ghana’s Data Protection Act (Act 843).
Disputes resolved via Finduy Support.

Contact for Beta Issues

+233 20 609 7358 (Beta Support Line)

beta@finduy.com

8.4 Governing Law

This policy is governed by the Ghana Companies Act, 2019 (Act 992) and Consumer Protection Regulations

Contact Finduy Ghana