Terms of Service

1. Agreement to These Terms

These Terms of Service ("Terms") govern your use of the Finduy mobile application, website, marketplace, and related services (collectively, the "Platform").

By creating an account, accessing the Platform, or using any Finduy service, you agree to comply with these Terms, our Privacy Policy, and other policies made available through the Platform.

If you do not agree with these Terms, you should not use Finduy.

2. Definitions

• Finduy: The Finduy marketplace, mobile application, website, technology, and related services.
• Customer: A user who browses, orders products, books services, communicates with Vendors, or otherwise uses the Platform as a buyer.
• Vendor: A registered user who operates a store or lists products or services through Finduy.
• Delivery Partner or Rider: A registered user who accepts and performs delivery requests through Finduy.
• User: Any Customer, Vendor, Delivery Partner, or other registered person using Finduy.
• User-Generated Content: Listings, descriptions, images, reviews, ratings, messages, store information, comments, and other material submitted by users.

3. Eligibility

You must be at least 18 years old to create and operate a Finduy account.

By creating an account, you represent that:

• You are legally capable of entering into these Terms.
• The information you provide is accurate and belongs to you.
• You will not use Finduy for fraudulent, unlawful, deceptive, or abusive purposes.
• You will comply with applicable laws and regulations when using the Platform.

4. User Accounts

Certain Finduy features require a registered account.

You are responsible for:

• Providing accurate and current account information.
• Keeping your password and authentication credentials secure.
• Maintaining control of the email address and other contact information associated with your account.
• All activity performed through your account unless you promptly notify Finduy of unauthorized access.

5. Account Types and Account Switching

Finduy supports different account types, including Customers, Vendors, and Delivery Partners.

Subject to eligibility, verification, and other Platform requirements, users may be permitted to switch between supported account types.

• Customers may browse, order products, book services, communicate with Vendors, earn eligible rewards, and use other available features.
• Vendors may create stores and list eligible products and services after satisfying applicable verification and subscription requirements.
• Delivery Partners may receive and perform eligible delivery requests after satisfying applicable verification requirements.

6. Identity Verification and KYC

Finduy may require identity verification before certain account types, services, payouts, or features are activated.

Verification may include:

• A valid government-issued identification document, including a Ghana Card, Passport, or Driver's License.
• Liveness verification or other measures designed to confirm that the person submitting an identification document is its legitimate holder.
• Verification of information contained in identification documents.
• Additional information where reasonably required to prevent fraud, impersonation, or misuse of the Platform.

Submitting false, altered, stolen, misleading, or fraudulent verification information is prohibited.

Finduy may reject, restrict, suspend, or manually review an account where verification cannot be completed satisfactorily.

7. User-Generated Content and Community Standards

Finduy allows users to submit and share content, including product and service listings, store information, reviews, ratings, images, messages, and other information.

You are responsible for the content you submit through Finduy and must ensure that it complies with these Terms and applicable law.

7.1 Prohibited Content

Users must not post, upload, publish, list, send, or distribute content that:

• Is abusive, threatening, harassing, or intimidating.
• Promotes hatred, discrimination, or violence against individuals or groups.
• Contains sexually explicit, exploitative, or otherwise inappropriate material.
• Promotes illegal products, services, activities, or prohibited transactions.
• Is fraudulent, deceptive, false, or deliberately misleading.
• Impersonates another person, company, Vendor, Delivery Partner, or organization.
• Infringes intellectual property, privacy, publicity, or other legal rights.
• Contains malware, malicious links, scams, phishing attempts, or harmful code.
• Encourages violence, self-harm, criminal conduct, or dangerous activity.
• Is defamatory, obscene, illegal, or otherwise objectionable.

7.2 Prohibited Behavior

Users must not:

• Harass, threaten, stalk, abuse, or intimidate other users.
• Attempt to defraud Customers, Vendors, Delivery Partners, or Finduy.
• Create fake or duplicate accounts for fraudulent purposes.
• Submit fake reviews, ratings, orders, bookings, referrals, or reward activity.
• Use stolen payment methods, identities, documents, or accounts.
• Circumvent blocking, suspension, moderation, or security mechanisms.
• Manipulate Finduy rewards, advertising rewards, referral programs, subscriptions, or promotions.
• Collect, scrape, harvest, or misuse another user's personal information without authorization.
• Attempt unauthorized access to Finduy systems, accounts, APIs, databases, or infrastructure.

8. Reporting Objectionable Content and Abusive Users

Finduy provides tools that allow users to report content or behavior that may violate these Terms.

Users may report:

• Other users
• Products or listings
• Stores
• Reviews and ratings
• Chat messages
• Fraudulent or misleading activity
• Harassment or abusive behavior

Reports may be submitted using the reporting tools available inside the Finduy application.

Finduy may review reports, associated content, account activity, transaction information, messages, and other relevant information when reasonably necessary to investigate the reported issue.

Depending on the nature and severity of a violation, Finduy may:

• Remove or restrict content.
• Issue warnings.
• Restrict specific account features.
• Temporarily suspend an account.
• Permanently terminate an account.
• Cancel fraudulent rewards or transactions.
• Refer suspected unlawful conduct to appropriate authorities where required or appropriate.

Users may also contact support@finduy.com to report serious safety or abuse concerns.

9. Blocking Other Users

Finduy allows users to block other users directly through the application.

Blocking may prevent or restrict:

• Direct communication between affected users.
• Marketplace content belonging to the blocked user from being displayed to the blocking user.
• New interactions between users who have a blocking relationship.

Finduy may preserve historical messages, transactions, bookings, orders, reports, or related records where necessary for dispute resolution, moderation, fraud prevention, security, legal compliance, or an existing transaction.

Blocking a user does not automatically resolve an existing order, booking, payment, delivery, or dispute.

10. Vendor Listings and Stores

Vendors are responsible for ensuring that their stores, products, services, prices, images, descriptions, availability, and other listing information are accurate.

Vendors must not list:

• Illegal or prohibited goods or services.
• Counterfeit or stolen goods.
• Fraudulent or deliberately misleading listings.
• Items that violate another person's intellectual property.
• Products or services prohibited by applicable law.

Finduy may remove or restrict listings that violate these Terms or pose a safety, legal, fraud, or Platform-integrity risk.

11. Orders and Marketplace Transactions

11.1 Orders

• Customers may order eligible products from Vendors through Finduy.
• Vendors are responsible for maintaining accurate pricing, availability, product descriptions, and stock information.
• Customers must provide accurate information necessary to complete an order.
• Vendors may accept, process, reject, or cancel orders in accordance with Platform functionality and applicable policies.

11.2 Product Quality

Vendors are responsible for the quality, legality, authenticity, description, safety, and suitability of products they sell through Finduy.

Finduy provides the technology that connects marketplace participants but does not manufacture or independently inspect every product listed by Vendors.

12. Service Bookings

Finduy allows Customers to request and manage bookings for services offered by Vendors.

• Customers are responsible for providing accurate booking dates, times, notes, and other required information.
• Vendors may confirm or reject booking requests.
• Customers may cancel eligible bookings using available Platform functionality.
• Bookings may expire automatically if they are not acted upon within applicable Platform timeframes.
• Vendors are responsible for delivering booked services professionally and as described.

13. Delivery

Finduy may enable Vendors to assign eligible Delivery Partners to fulfil customer deliveries.

• Customers must provide accurate delivery addresses and contact information.
• Delivery Partners must handle products responsibly and complete deliveries in good faith.
• Delivery Partners must not misuse customer, Vendor, or delivery information.
• Delivery availability, timing, distance, and fees may vary.
• Users must promptly report serious delivery disputes, safety concerns, or fraudulent activity to Finduy.

14. Payments and Transactions

Finduy may use authorized third-party payment providers to process payments, subscriptions, payouts, or other financial transactions.

Users are responsible for ensuring that payment information submitted through the Platform is valid and authorized.

Transactions may be delayed, rejected, reversed, or subject to additional verification by payment providers, financial institutions, or Finduy where fraud or security concerns arise.

15. Vendor Subscriptions

Certain Vendor functionality may require an active subscription.

15.1 Subscription Activation

A Vendor subscription becomes active after successful payment and confirmation by Finduy or the applicable payment processor.

An active subscription may allow a Vendor to access features associated with the selected subscription plan.

15.2 Subscription Period

• Subscription durations and prices are displayed before purchase.
• Finduy subscriptions do not automatically renew unless the Platform expressly states otherwise before purchase.
• Where subscriptions require manual renewal, access to subscription-only functionality may be restricted after expiry.

15.3 Subscription Changes

Finduy may introduce, modify, discontinue, or restructure subscription plans, pricing, benefits, or eligibility requirements.

Material changes will apply prospectively and may be communicated through the Platform or other appropriate channels.

16. Refunds and Cancellations

Refund eligibility depends on the type of transaction, the circumstances of the request, the applicable Vendor policy, payment-provider requirements, and applicable law.

16.1 Vendor Subscription Refunds

Requests relating to Vendor subscription payments should be submitted to support@finduy.com with sufficient information for Finduy to identify and review the transaction.

Refunds are not automatically guaranteed merely because a subscription has been partially used, a Vendor chooses not to continue using Finduy, or an account has been restricted for violation of these Terms.

Nothing in these Terms removes any mandatory refund, cancellation, or consumer rights that apply under applicable law.

16.2 Marketplace Refunds

Product or service refund disputes should generally first be raised with the relevant Vendor.

Finduy may assist with disputes where appropriate but does not guarantee a refund for every marketplace disagreement.

17. Rewards, Referrals, Daily Check-ins, and Advertising Rewards

Finduy may offer reward programs including referrals, daily check-ins, promotional points, and rewarded advertisements.

Reward rules, point values, redemption thresholds, discount limits, eligibility requirements, and availability may be displayed within the Platform and may change over time.

17.1 Referral Program

Users may receive eligible rewards when new users register through a valid referral relationship and satisfy the applicable requirements displayed within Finduy.

Referral activity must represent genuine users and genuine participation.

17.2 Rewarded Advertisements

Finduy may allow users to voluntarily watch advertisements to earn eligible Finduy reward points.

Advertising rewards may be applied toward eligible discounts subject to limits displayed within the Platform.

Watching advertisements does not guarantee the availability of a particular product, service, Vendor, delivery, or transaction.

17.3 Reward Abuse

The following activities are prohibited:

• Fake or duplicate accounts.
• Self-referral through unauthorized duplicate accounts.
• Automated or manipulated reward activity.
• Fraudulent advertisement interactions.
• Fake check-ins.
• Using fraudulent identity information to obtain rewards.
• Attempting to exploit bugs or vulnerabilities for rewards.

Finduy may cancel rewards, restrict reward functionality, suspend accounts, or take other appropriate action when reward abuse is detected.

18. Reviews and Ratings

Reviews and ratings should reflect genuine experiences with products, services, Vendors, or transactions.

Users must not submit:

• Fake reviews or ratings.
• Reviews in exchange for undisclosed manipulation or fraud.
• Threatening, abusive, discriminatory, or defamatory content.
• Spam or unrelated advertising.
• Content that violates another person's rights.

Finduy may remove reviews that violate these Terms and users may report inappropriate reviews using the Platform's reporting functionality.

19. Messages and Communications

Finduy may provide messaging functionality between users.

Messaging must be used for legitimate marketplace, customer-service, transaction, or Platform-related purposes.

Users must not use Finduy messaging to:

• Harass or threaten another user.
• Send sexually explicit or abusive messages.
• Send scams, spam, or phishing attempts.
• Distribute malware or malicious links.
• Request another user's PIN, password, authentication code, or other confidential credentials.

Users can report messages and block abusive users through the tools available in the Finduy application.

20. Intellectual Property

Finduy's software, branding, logos, interface, original Platform content, designs, technology, and other proprietary material are protected by applicable intellectual-property laws.

Except as expressly permitted, you may not:

• Copy or reproduce Finduy software or branding.
• Reverse engineer protected Platform technology.
• Use Finduy trademarks without authorization.
• Misrepresent yourself as being officially affiliated with or authorized by Finduy.

Vendors retain responsibility for ensuring they have the right to use the names, descriptions, images, logos, trademarks, and other materials contained in their listings.

21. Content You Submit

You retain ownership of content you lawfully own and submit through Finduy.

By submitting content to the Platform, you grant Finduy a non-exclusive license to host, store, reproduce, display, process, and distribute that content as reasonably necessary to operate, promote, secure, and provide Finduy.

This license does not permit Finduy to claim ownership of your original content.

22. Account Restrictions, Suspension, and Termination

Finduy may restrict, suspend, or terminate an account when reasonably necessary to protect users, the Platform, or comply with applicable obligations.

Reasons may include:

• Fraud or suspected fraud.
• Harassment or abusive behavior.
• Posting prohibited or objectionable content.
• Repeated violations of these Terms.
• Fake or fraudulent KYC information.
• Payment or reward manipulation.
• Illegal marketplace activity.
• Attempts to compromise Finduy systems or security.
• Conduct that creates a serious safety or legal risk.

Where appropriate, Finduy may take action immediately without prior notice in cases involving serious abuse, fraud, security threats, illegal activity, or urgent user-safety concerns.

23. Account Deletion

Users may initiate deletion of their Finduy account directly within the Finduy application.

The account deletion option is available under: Settings > Account Management > Delete Account .

After a deletion request is submitted:

• The account will be scheduled for deletion.
• Finduy may provide a limited period during which the user may cancel the deletion request.
• The user may remain able to access limited account functionality during this period where necessary to manage the deletion request, existing transactions, disputes, or support matters.
• Following final deletion, personal information will be deleted or anonymized except where retention is reasonably necessary or legally required.

Finduy may retain limited records after account deletion where necessary for legal compliance, fraud prevention, security, financial recordkeeping, dispute resolution, enforcement of these Terms, or protection of users.

24. Privacy

Finduy's collection and use of personal information is described in our Privacy Policy.

By using Finduy, you acknowledge that certain information is required to provide Platform functionality such as accounts, orders, bookings, deliveries, identity verification, payments, support, and safety features.

Finduy does not sell users' personal information and does not use names, email addresses, phone numbers, physical addresses, payment information, or precise location for cross-app tracking.

25. Third-Party Services

Finduy may use third-party providers for services including:

• Payment processing
• Cloud infrastructure
• Authentication
• Maps and navigation
• Notifications
• Advertising
• Application diagnostics

Finduy is not responsible for outages, delays, or failures caused solely by independent third-party systems outside Finduy's reasonable control.

26. Complaints and Dispute Resolution

Users should first attempt to resolve ordinary marketplace issues through the relevant Platform functionality and, where appropriate, with the other party involved.

If an issue cannot be resolved, users may contact Finduy at:

Users should provide sufficient information to allow Finduy to investigate, which may include an order number, booking reference, transaction reference, screenshots, description of the problem, or other relevant evidence.

Nothing in these Terms prevents a user from exercising rights or remedies available under applicable law.

27. Limitation of Liability

Finduy provides a technology platform that enables Customers, Vendors, and Delivery Partners to connect and transact.

To the extent permitted by applicable law, Finduy is not responsible for losses arising solely from:

• A Vendor's inaccurate description or defective product.
• A Vendor's failure to deliver a promised service.
• Conduct of an independent user outside Finduy's control.
• Delays or failures caused by telecommunications networks, banks, payment providers, or other third-party systems.
• Incorrect information supplied by a user.

Nothing in these Terms excludes or limits liability where such exclusion or limitation would be prohibited by law.

28. User Responsibility and Indemnification

To the extent permitted by applicable law, you are responsible for losses or claims arising from your unlawful use of Finduy, violation of these Terms, infringement of another person's rights, fraudulent activity, or content you submit.

29. Events Outside Our Reasonable Control

Finduy will not be responsible for delays or interruptions caused by events reasonably outside its control, including:

• Internet or telecommunications outages.
• Payment-provider or banking disruptions.
• Cloud-service outages.
• Natural disasters.
• Civil disturbances.
• Government or regulatory actions.
• Other significant infrastructure failures.

30. Changes to These Terms

Finduy may update these Terms from time to time as the Platform, applicable laws, features, policies, or business operations change.

Material changes may be communicated through the application, website, email, or other appropriate channels.

The "Last Updated" date at the top of these Terms indicates when the current version became effective.

31. Governing Law

These Terms are governed by the laws of the Republic of Ghana, without limiting any mandatory rights available to users under applicable law.

Finduy will comply with applicable Ghanaian laws and regulatory requirements relevant to its operations, including applicable data-protection, electronic-transactions, payment, consumer-protection, fraud-prevention, and business laws.

32. Severability

If any provision of these Terms is held to be invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

33. Contact Finduy

Questions, complaints, reports, safety concerns, and requests relating to these Terms may be submitted to: