Terms of Service

1. Marketplace and payment role

Yɛmame connects customers with independent service providers. Providers are not Yɛmame employees, agents, or partners unless a separate written agreement says so. They control how they perform accepted work and remain responsible for skill, licensing, tools, taxes, safety, and service quality.

Where Yɛmame managed checkout is offered, Yɛmame is the merchant shown for the transaction and manages collection, receipts, customer support, refunds, provider earnings, and payout instructions. Paystack and its financial partners process the payment and transfer. While managed checkout is unavailable, customers may record that they paid a provider outside Yɛmame. This is a status record, not a payment option offered by Yɛmame; Yɛmame does not collect, transfer, refund, or protect that payment.

2. Eligibility and accounts

• You must be at least 18 and legally capable of entering a contract.
• Account, identity, contact, payout, tax, and business information must be accurate.
• You must protect account credentials and promptly report unauthorized use.
• Yɛmame may require identity, phone, business, payment, or service evidence.
• You may not create duplicate accounts to evade fees, restrictions, reviews, or introductory limits.

3. Jobs, scope, price, and changes

Customers must provide lawful and accurate job details. Providers set their own prices. Both parties must approve the final scope, price, timing, and material responsibility before checkout or work begins. Material changes must be recorded and approved in Yɛmame before additional charges are requested.

A provider response is not acceptance by the customer, and posting a job does not guarantee responses, availability, completion, price, or outcome.

4. Managed checkout

• The customer authorizes the displayed total through Paystack using an available payment channel.
• Yɛmame records payment only after signed gateway confirmation or server verification.
• Payment does not make a provider an employee and is not a guarantee of workmanship.
• Pending provider earnings are contractual payables for Yɛmame jobs, not deposits, savings, escrow, or a general-purpose wallet.
• Payment-network rights concerning unauthorized, duplicate, or fraudulent charges are not removed by Yɛmame’s ordinary complaint window.

The allocation, complaint, refund, chargeback, and payout rules are in the Managed Payments and Refund Policy, which forms part of these Terms whenever managed checkout is used.

5. Provider fees and earnings

Providers do not pay a mandatory subscription or lead fee under the launch model. The first three eligible completed paid jobs have no Yɛmame commission. Yɛmame may deduct the actual processing cost, the disclosed success commission applicable from the fourth eligible job, and authorized provider-specific adjustments from earnings. Rates and estimated net earnings are disclosed before the applicable commitment.

Earnings become available only after completion, the applicable risk-review period, and reconciliation. Yɛmame may pause an affected earning or payout for a dispute, suspected fraud, sanctions or compliance review, account compromise, incorrect destination, or ledger mismatch. Unrelated earnings will not be frozen without an account-level risk reason.

6. Refunds, disputes, and provider adjustments

Customers should report ordinary service complaints within 48 hours after recorded completion so provider release can be paused. Later reports may still be reviewed for fraud, unauthorized or duplicate payment, latent defects, legal rights, or payment-network rules.

A remedy may include re-performance, partial refund, full refund, no refund, or another proportionate resolution based on the evidence and applicable law. Processing fees may be non-refundable. If an attributable refund, reversal, or chargeback occurs after a provider was paid, Yɛmame may recover that provider’s attributable share from their available or future earnings or request repayment, subject to notice, the provider agreement, and applicable law. Yɛmame does not describe its internal protection reserve as insurance.

7. Cancellations and no-shows

Applicable cancellation consequences are shown before confirmation where available. Provider cancellation, provider no-show, duplicate charge, or substantiated non-delivery may qualify for a full refund. Customer cancellation after committed work, travel, or purchased materials may result in a proportionate charge where disclosed and lawful.

8. Reviews, evidence, and communications

Reviews and evidence must be truthful, relevant, respectful, and lawfully obtained. Yɛmame may preserve and review job history, approved variations, messages, timestamps, photographs, payment confirmation, device and security signals, and support history to prevent fraud and resolve complaints. Do not upload unnecessary sensitive information.

9. Prohibited conduct

• Fraud, collusion, fabricated jobs, self-dealing, chargeback abuse, or fee evasion.
• Moving a managed job off-platform to evade an agreed fee or evidence trail.
• Impersonation, harassment, threats, exploitation, or discriminatory conduct.
• Illegal, unsafe, deceptive, or unlicensed services where licensing is required.
• Unauthorized system access, payment credential collection, or misuse of another person’s payout destination.

10. Suspension and termination

Yɛmame may warn, restrict, suspend, or terminate accounts to address legal, safety, payment, fraud, or marketplace-integrity risks. Where appropriate, affected users may request review. Termination does not erase outstanding refunds, chargebacks, taxes, provider payables, recoveries, or record-retention duties.

11. Disclaimers and liability

Yɛmame does not independently guarantee provider identity, licensing, availability, price, workmanship, safety, or outcome merely because a profile or job appears on the platform. Nothing in these Terms excludes liability or consumer rights that cannot lawfully be excluded. Subject to that restriction, Yɛmame is not responsible for indirect or consequential loss, or loss caused solely by independent provider conduct, customer conduct, third-party networks, or events outside reasonable control.

12. Governing law and complaints

These Terms are governed by the laws of Ghana, except where mandatory law requires otherwise. Submit complaints through in-app support first so Yɛmame can preserve the transaction record and attempt good-faith resolution. This does not prevent either party from using rights or regulators available under applicable law.

13. Changes

Yɛmame may update these Terms for legal, security, operational, or product changes. Material changes will receive reasonable notice and, where required, renewed acceptance. A new fee or materially different payment rule will not be applied retroactively to a completed job.

14. Contact

Submit questions through in-app support. If you cannot access your account, use the public Contact page. Privacy requests are governed by the Privacy Policy.