MySabiApp Terms and Conditions

These Terms and Conditions govern your access to and use of the MySabiApp platform, including all associated websites, mobile applications, and services (collectively, the "Platform"). MySabiApp is a two-sided marketplace that connects Consumers seeking local services with verified Providers offering those services, located in and serving communities across Lagos, Nigeria.

By accessing, browsing, or using the Platform in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to all of the terms and conditions set forth herein, you must not access or use the Platform.

These Terms and Conditions are effective as of March 2026 and apply to all Users of the Platform, including both Consumers and Providers.

3.1 You must be at least eighteen (18) years of age to use the Platform. By registering, you represent and warrant that you meet this age requirement and all other eligibility requirements set forth herein.

3.2 You must provide accurate, current, and complete registration information, including your name, email address, phone number, and other requested information. You are responsible for ensuring that all information remains accurate and up-to-date.

3.3 You are solely responsible for maintaining the confidentiality of your login credentials, including your password. You agree to notify MySabiApp immediately of any unauthorized access or use of your Account.

3.4 You may maintain only one Account on the Platform. Shared accounts, accounts registered on behalf of others, and duplicate accounts are strictly prohibited.

3.5 MySabiApp reserves the right to refuse registration to any person, refuse service to existing Users, and suspend or terminate Accounts at any time, in our sole discretion, for any reason or no reason, including if we reasonably believe you have violated these Terms or pose a risk to other Users.

3.6 Provider Accounts require completion of the Verification process as described in Section 4 below. Consumer Accounts may use the Platform upon registration, subject to account verification procedures.

MySabiApp implements a multi-tier verification process to establish Provider credibility and protect Consumers. This process includes three tiers of verification:

4.1 Tier 1 - Identity Verification. All Providers must complete Tier 1 Identity Verification before their Service Listings can be published. This tier requires: (a) A valid government-issued identification document (National Identification Number (NIN), Bank Verification Number (BVN), driver's license, or international passport); (b) Selfie verification confirming the identity of the individual in the identification document; and (c) Phone number verification through SMS or voice call confirmation.

4.2 Tier 2 - Skills and Credentials. To build Consumer trust and increase visibility, Providers may complete Tier 2 Skills and Credentials Verification, which includes: (a) Proof of qualifications, trade certifications, or professional licenses relevant to the service category; (b) Portfolio or work samples demonstrating experience and quality of work; (c) Category-specific requirements (e.g., proof of insurance, health certificates, or specialized training).

4.3 Tier 3 - References and Background. Providers may further enhance their credibility by completing Tier 3 References and Background Verification: (a) Professional references from previous clients or employers; (b) Previous client testimonials or references; (c) Background screening, where applicable or required by MySabiApp.

4.4 Upon successful completion of Verification tiers, Providers receive Verified Badges displayed on their profiles. These badges indicate completion level (Tier 1, Tier 1+2, or Tier 1+2+3) and help Consumers identify trusted Providers.

4.5 MySabiApp may revoke Verification status and remove Verified Badges from any Provider at any time for violation of these Terms, engaging in Prohibited Conduct, poor Trust Scores, or other cause.

4.6 Providers are responsible for maintaining current Verification documents. Expired documents must be renewed within thirty (30) days of expiration, or Verification status may be revoked.

4.7 Verification does not constitute an endorsement or guarantee by MySabiApp regarding the Provider's service quality, professionalism, or reliability. MySabiApp is not responsible for Provider actions or performance.

5.1 Providers are solely responsible for the accuracy, completeness, and legality of all information contained in their Service Listings. MySabiApp does not independently verify listing information.

5.2 All Service Listings must include: (a) a clear description of the service being offered; (b) pricing (either fixed price or price range); (c) the geographic service area or location(s) where the service is provided; and (d) Provider availability.

5.3 The following types of Service Listings are strictly prohibited: (a) Any illegal service or service that violates Nigerian law; (b) Regulated services (medical, legal, financial, real estate) offered without proper licensing or credentials; (c) Sexually explicit content or services; (d) Weapons, explosives, drugs, or controlled substances; (e) Counterfeit, stolen, or fraudulent goods or services; (f) Multi-level marketing (MLM) schemes or pyramid schemes; (g) Any other service that violates these Terms or applicable law.

5.4 MySabiApp may remove Service Listings that violate these Terms without notice, warning, or explanation. Repeat violations may result in Account suspension or termination.

5.5 Providers may purchase Premium Listings to enhance visibility and prominence. Premium Listings are subject to MySabiApp's Premium Listing Terms and Conditions and are subject to applicable fees.

6.1 Booking Process. The typical booking process on the Platform follows these steps: (a) Consumer selects a Provider and Service Listing; (b) Consumer sends a Booking request, which may include detailed requirements and questions; (c) Provider reviews the request and accepts or declines within a reasonable timeframe; (d) Upon acceptance, the parties communicate through Platform messaging to agree on final scope, price, and timeline; (e) Consumer funds the Escrow Account as described in Section 7; (f) Provider delivers the service; (g) Escrow funds are released to the Provider upon service completion.

6.2 Booking Confirmation requires explicit agreement from both parties on the scope of work, final price, and timeline for service delivery.

6.3 Both parties must act in good faith and fulfill their obligations. Providers must deliver services as described and agreed upon. Consumers must pay the agreed-upon price and accept satisfactory service delivery.

6.4 Cancellation Policies. (a) Consumer Cancellation: A Consumer may cancel a Booking before service commencement and receive a full refund, minus applicable processing fees (typically 2-3% of the Booking amount). (b) Provider Cancellation: A Provider may cancel a Booking without penalty for the first occurrence. Cancellation patterns or repeated cancellations may trigger an Account review and potential suspension or termination. (c) No-Show Policies: If either party fails to appear or commence service at the agreed-upon time and location without prior notice or valid reason (Force Majeure), the other party may cancel and claim a refund or payment, respectively. Repeat no-shows may result in Account penalties.

7.1 All Transactions on the Platform are processed through MySabiApp's secure Escrow system. Escrow provides protection for both Consumers and Providers by ensuring funds are held in trust until service completion conditions are satisfied.

7.2 MySabiApp supports multiple payment methods for funding Escrow, including: (a) direct bank transfer; (b) USSD (Unstructured Supplementary Service Data); (c) debit/credit card; and (d) mobile money services (where available).

7.3 Escrow Process: Before service begins, the Consumer deposits funds into the Escrow Account held by MySabiApp. Funds remain in Escrow until the service is completed and Consumer satisfaction is confirmed, at which point funds are released to the Provider.

7.4 For larger Bookings or complex services, Escrow may be structured in Milestones, with partial Escrow release occurring upon completion of specified stages of work. Milestone details are agreed upon during the Booking confirmation process.

7.5 Escrow Release Conditions: Funds are released upon: (a) Consumer confirmation of satisfaction with service; (b) automatic release after 48 hours following service completion if no Dispute is raised; or (c) per Dispute Resolution outcome.

7.6 Deposit Requirements: A minimum deposit of 50% of the Booking amount may be required to confirm the Booking and reserve the Provider's time.

7.7 Refund Policy: (a) Consumers receive a full refund if a Provider fails to deliver the contracted service; (b) partial refunds may be issued based on Dispute Resolution outcomes; (c) processing fees are non-refundable.

7.8 All Transactions are processed in Nigerian Naira (NGN). No other currency is accepted on the Platform.

7.9 Payment Processing Times: Bank transfers typically clear within one (1) to three (3) business days; card payments provide instant funding with escrow release within one (1) to two (2) business days; mobile money payments are typically instant.

7.10 MySabiApp is not a bank and does not hold customer funds as deposits. Escrow funds are held in regulated trust accounts in accordance with Nigerian banking regulations and are segregated from MySabiApp's operational accounts.

8.1 Transaction Commission: MySabiApp charges a percentage Commission on all completed Transactions. The Commission rate varies by service category and typically ranges from 3% to 12% of the total Transaction value.

8.2 Fee Structure: Commissions are automatically deducted from the Provider's payout at the time of Escrow release. The Commission is clearly itemized on the Booking and Escrow release confirmation.

8.3 Premium Listing Fees: Providers may opt to purchase Premium Listings to enhance the visibility and prominence of their Service Listings. Premium Listing fees range from NGN 2,000 to NGN 7,000 per month, depending on the tier selected.

8.4 Provider Subscription Tiers: MySabiApp offers tiered subscription options: (a) Free Tier (basic listing features); (b) Professional Tier (enhanced features, analytics, and messaging tools); and (c) Business Tier (full suite of features, priority support, and advanced analytics).

8.5 Fee Changes: MySabiApp may adjust Commissions, Premium Listing fees, or subscription pricing at any time. Material fee increases will be notified to affected Users at least thirty (30) days in advance via email or in-app notification.

8.6 No Hidden Fees: All applicable fees and Commissions are disclosed transparently before Transaction completion. Users will see the full fee breakdown before confirming payment.

8.7 Taxes: Users are solely responsible for determining and paying their own tax obligations in connection with use of the Platform and income derived from Transactions. MySabiApp does not provide tax advice or withhold taxes on behalf of Users.

9.1 Reviews may only be submitted for completed, Escrow-confirmed Transactions. This means that every Review on the MySabiApp Platform is tied to a real, verified Job and provides authentic feedback based on actual service delivery.

9.2 This Review system creates a reputation mechanism that meaningfully reflects Provider performance and service quality, as only genuine completed work can be reviewed.

9.3 All Reviews must be honest, accurate, and based on the Reviewer's actual experience with the service. Reviews should provide constructive feedback and specific details about the Provider's performance.

9.4 Photo Proof: Reviewers may attach photos to their Reviews to provide evidence of service quality or completion. Photos are subject to MySabiApp's content policy.

9.5 Prohibited Review Conduct. The following conduct is strictly prohibited: (a) Creating, submitting, or encouraging fake, fabricated, or false Reviews; (b) Review manipulation, including coordinated Review campaigns or artificially inflating or deflating ratings; (c) Paying for positive Reviews or incentivizing favorable ratings; (d) Threatening or coercing negative Reviews in exchange for discounts or refunds; (e) Reviewing your own Service Listing or Booking from a different Account.

9.6 Repeat-Hire Prompts: The Platform may suggest that Users rebook Providers they have previously used, based on their Transaction history. Such suggestions are optional and do not obligate Users to rebook.

9.7 MySabiApp may remove, modify, or flag Reviews that violate these Terms or are determined to be inauthentic. Repeat violations of Review policy may result in Account suspension or termination.

9.8 Provider Responses: Providers may publicly respond to Reviews posted about them, allowing for dialogue and clarification. However, Providers may not use responses to harass, threaten, or retaliate against Reviewers.

9.9 Trust Score: All Reviews contribute to a Provider's Trust Score, which is a composite numerical rating reflecting the Provider's reliability, quality, and customer satisfaction based on completed Transactions and associated Reviews.

10.1 MySabiApp treats Dispute resolution as a core Platform feature. The Dispute resolution process is designed to be fair, transparent, and evidence-based, protecting both Consumers and Providers.

10.2 Dispute Initiation. Either party may raise a Dispute within forty-eight (48) hours of Service Completion (or non-completion). A Dispute is typically initiated when: (a) a Consumer believes the service was not delivered or delivered below agreed-upon standards; (b) a Provider believes the Consumer is refusing to confirm completion or pay without valid cause; or (c) either party disputes Transaction terms or scope.

10.3 Evidence Submission. The Platform supports structured evidence collection to facilitate fair resolution. Acceptable evidence includes: (a) Photographs or videos of work, with metadata and timestamps; (b) Date and time stamps of communication and service delivery; (c) Complete Platform messaging history, including Quotations and agreements; (d) Appointment or scheduling records; (e) Third-party assessments or expert opinions (where applicable); (f) Other relevant communications or documentation.

10.4 Resolution Process. Disputes are resolved through a three-step process: Step 1 - Direct Negotiation: The parties are encouraged to resolve the Dispute directly through Platform messaging within forty-eight (48) hours of Dispute initiation. Step 2 - MySabiApp Mediation: If direct negotiation fails, MySabiApp's Dispute team reviews all submitted evidence and communications within five (5) business days and proposes a resolution or mediated settlement. Step 3 - Final Determination: If mediation does not resolve the Dispute, a MySabiApp Dispute panel issues a final, binding determination based on evidence and these Terms.

10.5 SLA Targets. MySabiApp commits to the following Service Level Agreement (SLA) targets for Dispute resolution: (a) Acknowledgment of Dispute within four (4) hours of submission; (b) Initial review and evidence request within twenty-four (24) hours; (c) Full resolution within seven (7) business days maximum.

10.6 Possible Outcomes. MySabiApp Dispute resolution may result in: (a) Full refund to Consumer (Escrow funds returned); (b) Partial refund to Consumer (based on service delivered or defects); (c) Full payment to Provider (Escrow released as originally agreed); (d) Split payment between Consumer and Provider; (e) Account penalties, warnings, or restrictions.

10.7 Repeat Dispute Patterns: If a User is involved in an escalating number of Disputes (typically more than two per month), MySabiApp may initiate a broader Account review or impose restrictions, temporary suspension, or permanent termination.

10.8 High-Value Disputes: For Disputes involving amounts exceeding NGN 5,000,000.00, MySabiApp may engage external arbitration or legal counsel to ensure fair determination.

Users agree not to engage in any of the following prohibited conduct while using the Platform: (a) Fraud, misrepresentation, or deception of any kind, including false identity or credentials; (b) Creating fake, duplicate, or fraudulent Accounts or Service Listings; (c) Circumventing the Escrow system by accepting payment outside the Platform, in cash, or through unauthorized channels; (d) Harassment, threats, intimidation, or abusive behavior toward other Users or MySabiApp staff; (e) Uploading malicious code, viruses, or attempting to compromise Platform security or infrastructure; (f) Manipulating, inflating, or artificially affecting Reviews, ratings, Trust Scores, or search rankings; (g) Using the Platform for money laundering, terrorist financing, or other illegal financial activity; (h) Scraping, data mining, or unauthorized automated access to Platform data; (i) Impersonating another person, entity, or MySabiApp representative; (j) Violating any applicable law or regulation of Nigeria or the jurisdiction in which the User resides; (k) Any other conduct that MySabiApp deems harmful to the Platform, other Users, or its integrity.

11.1 Consequences. Users who engage in Prohibited Conduct are subject to progressive enforcement actions, including: (a) Written warning; (b) Temporary suspension of Account (typically 7 to 30 days); (c) Permanent termination of Account and forfeiture of any Escrow funds; (d) Reporting to law enforcement authorities where conduct is illegal.

12.1 MySabiApp owns and retains all rights to the Platform itself, including all software code, design elements, branding, logos, trademarks, proprietary content, and infrastructure. These elements are protected by copyright, trademark, and other intellectual property laws.

12.2 Users retain ownership of Content they create and upload to the Platform, including Service Listings, photos, Reviews, messages, and other original materials. However, by uploading Content to the Platform, you automatically grant MySabiApp a non-exclusive, royalty-free, worldwide license to use, display, reproduce, and distribute such Content on the Platform and in connection with MySabiApp's operations and marketing.

12.3 Users warrant that they own or have the necessary rights to upload all Content and that such Content does not infringe any third-party intellectual property rights, including copyright, trademark, or patent rights.

12.4 DMCA/Takedown Process: If you believe that Content on the Platform infringes your intellectual property rights, you may submit a Digital Millennium Copyright Act (DMCA) takedown notice to legal@mysabiapp.com with detailed information about the allegedly infringing Content. MySabiApp will review and respond in accordance with applicable law.

13.1 MySabiApp is a marketplace facilitator and intermediary. We do not provide services directly, nor are we a party to Transactions between Consumers and Providers. We are not responsible for the conduct, performance, or actions of Users.

13.2 MySabiApp does not guarantee, represent, or warrant the quality, safety, legality, or fitness for purpose of any services offered by Providers. Consumers use Provider services at their own risk.

13.3 Liability Cap: MySabiApp's total liability to any User for any claim arising out of or related to these Terms, the Platform, or User conduct shall not exceed the total amount of fees paid to MySabiApp by the claimant in the twelve (12) months preceding the claim.

13.4 No Consequential Damages: MySabiApp shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including lost profits, lost revenue, or lost data, even if MySabiApp has been advised of the possibility of such damages.

13.5 No Liability for Third-Party Conduct: MySabiApp is not liable for the actions, omissions, negligence, or misconduct of any Provider or other User. Disputes between Users are the Users' responsibility.

13.6 Force Majeure: MySabiApp is not liable for failure or delay in performing any obligations due to events beyond reasonable control, including but not limited to: natural disasters, epidemics, pandemics, war, governmental action, or internet infrastructure failures.

Each User agrees to indemnify, defend, and hold harmless MySabiApp, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) Your use of the Platform or violation of these Terms; (b) Your breach of any representation, warranty, or obligation under these Terms; (c) Your infringement of any third-party intellectual property right or violation of any applicable law; (d) Your Content or conduct on the Platform.

15.1 Account Closure: Users may close their Account at any time by requesting account deletion through the Platform settings. However, users must complete all pending Transactions and resolve any outstanding Disputes before Account closure is finalized.

15.2 Suspension and Termination by MySabiApp: MySabiApp may suspend or terminate any Account, with or without notice, for violation of these Terms, Prohibited Conduct, or any other reason or no reason in MySabiApp's sole discretion.

15.3 Effect of Termination: Upon Account termination, the User loses access to all Platform features. Pending Transactions are handled in accordance with these Terms and the Dispute resolution process. User data is retained in accordance with MySabiApp's Privacy Policy.

15.4 Appeal Process: Users may appeal Account suspension or termination within fourteen (14) days by submitting an appeal to legal@mysabiapp.com. MySabiApp will review the appeal and respond within ten (10) business days.

15.5 Surviving Provisions: The following provisions survive termination: Section 12 (Content and Intellectual Property), Section 13 (Limitation of Liability), Section 14 (Indemnification), and Section 10 (Dispute Resolution).

MySabiApp reserves the right to modify these Terms and Conditions at any time. Material changes, including changes to fees or fundamental policies, will be notified to Users at least thirty (30) days in advance via email or in-app notification. Continued use of the Platform after notification constitutes acceptance of the modified Terms. If you do not agree to modified Terms, you must cease using the Platform.

These Terms and Conditions, and all matters arising from or relating to the Platform and User conduct, shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles.

All Disputes between Users and MySabiApp, or arising from Platform use, shall be subject to the exclusive jurisdiction of the courts of Lagos, Nigeria. By accepting these Terms, Users consent to the jurisdiction and venue of Lagos courts and waive any objection to jurisdiction or venue.

For international Users, Nigerian law applies to all Platform use and related Transactions, notwithstanding the User's location or nationality.

18.1 Severability. If any provision of these Terms is determined to be invalid, unenforceable, or in violation of applicable law by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

18.2 Entire Agreement. These Terms and Conditions, together with MySabiApp's Privacy Policy, constitute the entire agreement between the User and MySabiApp regarding the Platform and supersede all prior negotiations, understandings, and agreements, whether written or oral.

18.3 Waiver. Failure by MySabiApp to enforce any provision of these Terms does not constitute a waiver of the right to enforce such provision in the future or enforce any other provision.

18.4 Assignment. MySabiApp may assign, transfer, or delegate its rights and obligations under these Terms to any third party at any time without notice. Users may not assign, transfer, or sublicense their rights or obligations under these Terms without prior written consent from MySabiApp.

18.5 Notices. All notices, requests, demands, and communications required under these Terms shall be in writing and shall be deemed given when: (a) delivered personally; (b) sent via email with read confirmation; or (c) posted in-app via the Platform messaging system. Electronic notices are sufficient and create a valid legal record.

18.6 Language. English is the controlling language for these Terms and Conditions. Any translations provided are for convenience only, and in the event of conflict between the English version and any translation, the English version shall prevail.