1.Platform Nature & Scope
Banjulo operates an all-in-one digital marketplace and infrastructure platform uniting eight primary commercial verticals:
- Marketplace / Shop: General e-commerce, crafts, electronics, and fashion.
- Food & Groceries: Restaurant orders and fresh market delivery.
- Hotels & Stays: Lodging and resort bookings.
- Properties: Real estate rentals, sales, and listings.
- Vehicles: Vehicle rentals, sales, and service maintenance.
- Services: On-demand professional service appointments.
- Jobs: Employment opportunities, candidate applications, and job postings.
- Community: Group buying deals, festival promotions, and local networking.
Banjulo acts as a venue enabling transactions between independent Buyers, Sellers, Service Providers, Property Managers, and Independent Drivers. Unless explicitly stated, Banjulo is not the owner or direct provider of listed goods, hotel rooms, or vehicles.
2.User Accounts & Verification
- Eligibility: You must be at least 18 years old or the age of legal majority in your jurisdiction to create an account or process payments.
- Account Security: You are responsible for maintaining the confidentiality of your credentials and all activity under your account.
- KYC Requirements: Sellers, Drivers, and Field Agents must complete mandatory Know-Your-Customer (KYC) verification, including submitting national identity documents, business registration, or driver licenses before activating merchant dashboards or accepting payout disbursements.
3.Payments, Escrow & Wallet Rules
- Currency: All platform transactions are processed in Gambian Dalasi (GMD), unless explicitly presented in foreign currency for Diaspora Gifting.
- Payment Rails: Payments are supported via Wave Mobile Money, Africell, QMoney, debit/credit cards, and internal Banjulo Wallets.
- Escrow Protection: Customer funds for physical marketplace goods and specific services are held in Banjulo Escrow upon order placement. Escrow funds are released to the seller or service provider upon customer confirmation of order fulfillment or automatically within three (3) to seven (7) days following verified delivery scan, provided no active dispute is filed.
- Discounts & Promotions: All promotional discounts and coupon codes are funded by participating sellers or platform campaigns as designated. Banjulo never forces seller-funded discounts without consent.
4.Merchant Subscriptions & Fees (Banjulo Pro)
- Subscription Terms: Sellers subscribing to Banjulo Pro agree to recurring billing (e.g., 350 GMD/month) or selected tier terms.
- Free Trial: Pro subscriptions may include a 30-day free trial. Unless canceled before trial expiration, subscription fees will automatically debit from your wallet or registered payment rail.
- Commission Structure: Platform transaction fees (typically 5%–8%) or subscription commission terms apply as outlined on the /pricing page during order checkout.
5.Taxi, Ride-Hailing & Delivery Services
- Independent Contractors: Drivers registered on Banjulo are independent contractors, not employees. Banjulo provides ride-matching and GPS routing infrastructure.
- Safety & Conduct: Drivers and riders must adhere to local traffic laws, maintain respectful communication, and comply with safety standards. Banjulo provides an in-app emergency SOS feature and reserves the right to suspend any driver or passenger violating safety rules or falling below minimum quality ratings.
6.Diaspora Gifting & Group Buying
- Diaspora Gifting: Diaspora orders generate an 8-character redemption code sent via SMS or digital claim link. Claimants must present valid code and identity verification upon redemption.
- Group Buying: Group deals operate on minimum buyer quotas within specified timeframes. If a group quota is not met prior to deal expiration, held escrow funds are refunded automatically to buyer wallets.
7.Cancellations, Refunds & Dispute Resolution
- Order Cancellations: Buyers may cancel physical marketplace orders prior to seller processing/dispatch. Food orders cannot be canceled once kitchen preparation has commenced.
- Dispute Process: If an item is damaged, undelivered, or materially inaccurate, buyers must initiate a dispute within forty-eight (48) hours of receipt. Banjulo Support reviews dispute logs, photos, and tracking data to execute fair refund splits or escrow releases.
8.Prohibited Conduct & Content
Users agree NOT to:
- Post fraudulent, misleading, or counterfeit listings.
- Engage in off-platform payment schemes to circumvent escrow security.
- Harass, threaten, or abuse drivers, sellers, customers, or support personnel.
- Reverse engineer, crawl, or exploit Banjulo software, APIs, or database architecture.
9.Limitation of Liability & Governing Law
- Liability Cap: To the maximum extent permitted by law, Banjulo shall not be liable for indirect, incidental, or consequential damages arising from third-party vendor goods, hotel stay conditions, driver vehicle operations, or temporary platform service disruptions.
- Governing Law: These Terms are governed by and construed in accordance with the laws of The Gambia. Any disputes that cannot be resolved amicably shall be submitted to the exclusive jurisdiction of the courts of The Gambia.
10.Modifications & Contact
Banjulo reserves the right to update these Terms at any time. Continued use of the platform after updates constitutes acceptance of the revised Terms.
