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ayudahub limited
terms and conditions

Contents
1. AYUDAHUB MANDATE2. SCOPE OF OPERATIONS3. DATA PROTECTION AND PRIVACY4. USER OBLIGATIONS5. FEES AND CUSTOMER ACCOUNT TYPES6. PAYMENTS, DISBURSEMENTS, AND REFUNDS7. SUSPENSION POLICY8. CANCELLATION POLICY9. TOKENS10. BUSINESS PARTNERS11. BADGES & VERIFICATION12. FEEDBACK13. LIMITATION OF LIABILITY14. DISPUTE RESOLUTION15. MODIFICATIONS TO THE AGREEMENT16. NO AGENCY RELATIONSHIP17. TERMINATION18. COMPANIES ACT, 2019 (LEGAL PROCEEDINGS)19. COMMENCEMENT DATE AND TERMINATION OF SERVICE CONTRACT20. SERVICE DELIVERY21. WARRANTIES22. TERMINATION OF CONTRACT AND SETTLEMENT23. APPLICATION OF POLICIES AND GOVERNING LAW24. GLOSSARY25. RULES OF INTERPRETATION26. EFFECTIVE DATE AND VERSION CONTROL

    AYUDAHUB MANDATE

  1. 1. Platform Overview
    1. 1.1. Ayudahub Limited operates a digital platform called the "Ayuda App" which enables Customers to request services.
  2. 2. Service Levels
    1. 2.1. The Ayuda app offers two service levels:
      1. 2.1.1. Ayuda Premium
        1. 2.1.1.1. An express and priority-based portal where Ayudahub directly assigns service providers to customers, with fixed, non-negotiable payments made by the customer before service delivery.
      2. 2.1.2. Ayuda Flex
        1. 2.1.2.1. A flexible service portal where service providers can view available job offers, negotiate terms with customers, and commence work upon mutual agreement.
  3. 3. Service Request Types
    1. 3.1. Customers can make both Flex and Premium requests through the Ayuda App.
  4. 5. Premium Service Categories
    1. 5.1. Ayuda Premium services are categorized into:
      1. I. Domestic
      2. II. Commercial
      3. III. Industrial
      4. IV. Professional
  5. 6. Service Provider Definition
    1. 6.1. Service Providers may be individuals or organizations, including but not limited to artisans and professionals who deliver services to customers.
  6. 7. Service Contract Formation - Flex
    1. 7.1. If a Customer accepts an offer on the Ayuda app and makes payment, a Service Contract is created between the Service Provider and the Customer (Ayuda Flex).
  7. 8. Service Contract Formation - Premium
    1. 8.1. When Ayudahub assigns a Service Provider to a customer's request (Ayuda Premium), a Service Contract is established between Ayudahub and the customer.
  8. 9. Payment Requirements
    1. 9.1. Upon creation of a Service Contract, the Customer must pay the agreed amount through the Ayuda app using:
      1. I. Ayuda wallet
      2. II. Mobile money
      3. III. American Express
      4. IV. Master/Visa card
    2. Payments are held in Ayudahub's escrow account.
  9. 10. Service Suspension Agreement
    1. 10.1. Customers and Service Providers may mutually agree to suspend an ongoing request and resume at a new date and time or suspend indefinitely.
  10. 11. Suspension Penalties
    1. 11.1. If there is a disagreement during suspension, penalties may be applied. These penalties are determined by Ayudahub and must be accepted by both parties.
  11. 12. Reviews and Payment Release
    1. 12.1. Upon completion of the Service Contract, both the Customer and Service Provider are required to provide immediate reviews and feedback on the Ayuda app. Service Providers will only receive payment after this rating and review is submitted.

    12. SCOPE OF OPERATIONS

  12. 1. Platform Function
    1. Ayudahub Limited solely provides the platform, which allows Customers to post service requests and either be assigned a provider or negotiate offers, while service providers gain access to a large pool of clients and earn more income.
  13. 2. Age Requirement
    1. Only individuals aged 18 years or older are permitted to enter into service agreements on the platform.
  14. 3. Account Management Rights
    1. Ayudahub Limited reserves the right to deny or cancel any registration or account on the Ayuda app at its discretion for cause, including but not limited to:
      1. I. Violation of these terms
      2. II. Fraudulent activity
      3. III. Behavior detrimental to the platform community
  15. 4. Free Registration
    1. Registration and account creation on the Ayuda App is free of charge. Customers can post service requests or submit reviews at no cost.
  16. 5. Limitation of Liability - Unofficial Interactions
    1. Ayudahub Limited bears no liability for unofficial interactions between Customers and Service Providers, including but not limited to service descriptions, payments, performance, and delivery not carried out on the Ayuda app.
  17. 6. Information Accuracy Disclaimer
    1. Ayudahub Limited does not guarantee the accuracy or honesty of any information submitted by users (Customers and Service Providers) or the customer's ability to pay for services.
  18. 7. Dispute Resolution Process
    1. In the event of disputes, Ayudahub Limited may assist with dispute resolution through:
      1. I. Internal mediation first
      2. II. Arbitration through the Ghana Arbitration Centre if internal resolution fails
      3. III. Applicable courts in Ghana as final resort

    19. DATA PROTECTION AND PRIVACY

  19. 1. Commitment to Privacy
    1. Ayudahub is committed to protecting user privacy and personal data in accordance with Ghana's Data Protection Act, 2012 (Act 843) and other applicable data protection laws.
  20. 2. Privacy Policy Governance
    1. Collection, processing, storage, and sharing of personal information is governed by our Privacy Policy, available at https://ayudahub.com/privacy, which forms an integral part of these Terms and Conditions.
  21. 3. User Consent
    1. By using the Ayuda App, users consent to the collection and processing of their personal data as outlined in the Privacy Policy.
  22. 4. User Data Rights
    1. Users have the right to:
      1. 4.1.1. Access their personal data
      2. 4.1.2. Correct their personal data
      3. 4.1.3. Request deletion of their personal data
    2. All rights are exercised in accordance with applicable law and as detailed in our Privacy Policy.

    23. USER OBLIGATIONS

  23. 1. Customer Obligations
    1. 1.1. As a Customer, you are required to:
      1. 1.1.1. Comply with this Agreement (including all relevant policies) and applicable laws and regulations.
      2. 1.1.2. Provide accurate and up-to-date information on the Ayuda App.
      3. 1.1.3. Fulfill contractual obligations to Ayudahub Limited, including:
        1. 1.1.3.1. Promptly making payments
        2. 1.1.3.2. Ensuring timely completion of work
        3. 1.1.3.3. Rating and providing reviews after work completion to ensure service providers receive payment
      4. 1.1.4. Be aware of and comply with any laws applicable to your use of the Ayuda app.
      5. 1.1.5. Acknowledge that any content (whether from Ayudahub Limited, users, or terms and conditions) may not be reused on external platforms or for commercial purposes without Ayudahub's prior consent.
      6. 1.1.6. Refrain from using the platform for any illegal or unethical activities.
      7. 1.1.7. Maintain control of your Ayuda App account at all times; do not share, transfer, or sell your account or its content.
      8. 1.1.8. Understand that location-based features may be enabled, displaying locations of Service Providers and Customers on the Ayuda app.
  24. 2. Service Provider Obligations
    1. 2.1. As a Service Provider, you must:
      1. 2.1.1. Deliver services in accordance with the agreed Service Contract unless restricted by law, Ayudahub, or terms and conditions.
      2. 2.1.2. Not charge customers additional fees beyond the agreed service price. Any price amendments must be made through the Ayuda app by raising an invoice with Ayudahub's approval.
      3. 2.1.3. Not request or accept payments outside the Ayuda app from customers, unless explicitly permitted under this Agreement.
      4. 2.1.4. Not breach any obligations under this Agreement. Ayudahub reserves the right to:
        1. 2.1.4.1. Remove content
        2. 2.1.4.2. Suspend your account
        3. 2.1.4.3. Cancel any Service Contracts at its discretion for cause

    25. FEES AND CUSTOMER ACCOUNT TYPES

  25. 1. SERVICE PROVIDER FEES
    1. 1.1. If a Service Provider incurs additional costs during a task, they must request an additional invoice via the Ayuda app.
    2. 1.2. All commissions paid to Ayudahub are non-refundable, unless Ayudahub determines otherwise.
  26. 2. Premium Services
    1. 2.1. The cost of services are fixed and customers are required to make payments before the service request can be successfully posted. This payment will be held in Ayudahub's escrow account and the amount due the service provider will be paid only after work has been completed successfully.
  27. 3. Flex Services
    1. 3.1. Flex Services do not require fixed fees. The cost of services can be negotiated and agreed upon before work is assigned to the service provider by the customer. This payment will be held in Ayudahub's escrow account and the amount due the service provider will be paid only after work has been completed successfully.
  28. 4. New Service Types
    1. 4.1. If a new service type is introduced on the Ayuda app, its applicable fee will take effect immediately upon launch.
  29. 5. Customers may hold one or both of the following account types on the Ayuda App:
    1. I. Prepaid Account
    2. II. Postpaid Account
  30. 6. Each account type governs how payments for services are managed between the customer, Ayudahub Limited, and service providers.
  31. 7. By creating or using either account type, you agree to these Terms & Conditions and to any product-specific rules displayed in the Ayuda App.
  32. 8. A Prepaid Account is the default account type automatically assigned to every new customer upon registration on the Ayuda App.
  33. 9. Under this model, the customer is required to make full payment for the requested service before the service is delivered.
  34. 10. Funds deposited or paid by the customer are held securely until the service is successfully completed, after which the service provider receives the amount due for the service rendered.
  35. 11. This structure is designed to:
    1. I. Ensure commitment from both customer and service provider
    2. II. Reduce cancellations
    3. III. Guarantee service providers are compensated fairly for their work
  36. 12. In cases where the service is not delivered, or where the customer is eligible for a refund under Ayudahub's Cancellation and Refund Policy, the prepaid amount may be:
    1. I. Returned to the customer's account balance, or
    2. II. Refunded through the original payment method
  37. 13. POSTPAID ACCOUNTS
    1. A Postpaid Account is an optional account type available only to eligible customers who have entered into a contractual agreement with Ayudahub Limited.
  38. 14. Payment Structure
    1. Under this arrangement, customers are permitted to access and use services before making payment, with charges consolidated and billed periodically (e.g., weekly, bi-weekly, or monthly) as defined in their contract.
  39. 15. Eligibility Criteria
    1. To qualify for a postpaid account, a customer must:
      1. 15.1.1. Have maintained an active prepaid account with consistent use and positive transaction history for a minimum period as determined by Ayudahub (e.g., 3–6 months).
      2. 15.1.2. Undergo a creditworthiness assessment, which may include evaluation of financial standing, past payment behavior, or submission of references.
      3. 15.1.3. Provide valid and verifiable identification documents (e.g., national ID, passport, and/or business registration certificate for organizations).
      4. 15.1.4. Sign a formal service contract with Ayudahub outlining payment terms, billing cycles, and responsibilities.
      5. 15.1.5. Provide a valid payment method (e.g., bank account, mobile money, or card) that allows automated billing and collection.
      6. 15.1.6. In the case of corporate or business accounts, the entity must demonstrate registered business status and the ability to meet ongoing financial obligations.
  40. 16. Additional Conditions
    1. 16.1. Ayudahub reserves the right to decline or withdraw postpaid privileges at its sole discretion if the customer fails to meet or maintain requirements.
    2. 16.2. Failure to settle outstanding balances within the agreed timeline may result in:
      1. I. Suspension or termination of the postpaid account
      2. II. Conversion of the account back to the default prepaid account
      3. III. Recovery actions, including legal recourse, to collect unpaid amounts
  41. 17. Key Differences Between Prepaid and Postpaid Accounts
    1. 17.1. Payment Timing
      1. Prepaid requires upfront payment, while postpaid allows payment after service delivery.
    2. 17.2. Eligibility
      1. Prepaid is open to all users by default; postpaid is restricted to vetted customers who meet eligibility requirements.
    3. 17.3. Risk & Responsibility
      1. Prepaid minimizes the risk of non-payment, whereas postpaid requires customer compliance with stricter financial obligations.
  42. 18. General Terms
    1. 18.1. By default, all accounts are prepaid unless expressly converted to postpaid under a separate contractual agreement.
    2. 18.2. Ayudahub reserves the right to approve, decline, suspend, or revoke postpaid account privileges at its discretion.
    3. 18.3. Customers are responsible for ensuring they understand their account type and the obligations it carries before requesting or accepting services.
  43. 19. Switching Between Account Types
    1. 19.1. You may apply to switch from Prepaid to Postpaid (or vice versa) on the Ayuda app. Approval is subject to eligibility and risk checks.
    2. 19.2. Switching does not waive any outstanding liabilities, fees, or holds. All pending charges will be settled under the rules of the originating account type unless otherwise stated by us in writing.
  44. 20. ACCOUNT OWNERSHIP & AUTHORIZED USERS
    1. 20.1. The individual who registers the account is the "Account Holder." Corporate or group accounts must designate an authorized representative.
    2. 20.2. If you enable additional authorized users (where available), you are responsible for all transactions they initiate and for setting their permissions and limits on the Ayuda app.
    3. 20.3. You must keep login credentials and verification codes confidential and notify us immediately of suspected unauthorized use.

    45. PAYMENTS, DISBURSEMENTS, AND REFUNDS

  45. 1. PAYMENT POLICY
    1. 1.1. Disbursement
      1. Payments to Service Providers will be made after the customer has confirmed work is done on the Ayuda app. The only payment methods approved by Ayudahub include:
      2. I. Cheque
      3. II. Visa/MasterCard
      4. III. American Express
      5. IV. Bank transfer
    2. Any refunds will be processed and credited back through the original payment method used.
    3. 1.2. Invalid Payment Methods
      1. If the customer's Visa card or any other transactional account is invalid or unverified, Ayudahub reserves the right to suspend or cancel the service request until the issue is resolved.
    4. 1.3. Price Changes
      1. All prices and service availability on the Ayuda app are subject to change without prior notice.
    5. 1.4. Account Information Liability
      1. Ayudahub is not liable for any incorrect account details provided by Customers or Service Providers, including errors in Visa/MasterCard, mobile money, or bank account information related to payments.
    6. 1.5. Payment Facility
      1. Ayudahub uses a Payment Provider to manage its Escrow Account. Any terms related to the Payment Provider or Escrow Account will take precedence over this Agreement if inconsistencies arise. If Ayudahub changes its payment provider, users may need to agree to additional terms. If users choose not to accept the new terms, alternative payment methods will be provided.
    7. 1.6. Processing Delays
      1. All refund timelines are subject to bank and mobile money provider settlement times, which may extend beyond Ayudahub's control.
    8. 1.7. REFUNDS
      1. Definition of Refunds
        1. Refunds refer to the return of funds to a customer following a service transaction on the Ayuda App, where circumstances warrant either a full or partial repayment of the original service fee. Refunds are intended to protect both customers and service providers by ensuring fairness in cases of cancellations, suspensions, disputes, and/or service delivery issues.
    9. 1.8. General Refund Policy
        1. 1.8.1.1. All approved refunds are processed back through the original payment method used for the transaction.
        2. 1.8.1.2. Refunds may be issued as either full or partial amounts based on the specific circumstances and Ayudahub's mediation outcomes.
        3. 1.8.1.3. Processing time for refunds is between 3–7 business working days, subject to bank and mobile money provider settlement times.
        4. 1.8.1.4. All refund decisions are subject to Ayudahub's review and dispute resolution process. Decisions taken are final and binding for both customers and service providers.
  46. 2. Types of Refunds
    1. 2.1. Full Refund
      1. Complete return of the service payment amount.
    2. 2.2. Partial Refund
      1. Proportional return based on work completed, services rendered, transactional charges, suspension, and/or circumstances of cancellation.
    3. 2.3. Full Refund Eligibility
      1. Full refunds will be granted in the following situations:
        1. 2.3.1.1. Mutual Agreement
          1. Both customer and service provider agree to cancel the service request before work begins.
        2. 2.3.1.2. No Response from the Service Provider (Flex Services)
          1. If a service provider fails to respond within a reasonable timeframe despite the customer's attempts to contact them, this will be considered a breach of service. For Flex Services, a reasonable delay is defined as the service provider arriving more than 15 minutes late. If a delay is unavoidable, the service provider must request the customer's consent via the in-app chat on the Ayuda App (official evidence for disputes). Any delay exceeding 1 hour is strictly unacceptable on the Ayuda App.
        3. 2.3.1.3. Service Provider-Initiated Suspension
          1. The service provider suspends an ongoing service without valid justification.
        4. 2.3.1.4. Early Cancellation (Scheduled Services)
          1. I. Cancellation made more than 24 hours before the due or fulfillment date and time.
          2. II. For same-day requests, cancellation made more than 5 hours before the scheduled due or fulfillment date and time.
        5. 2.3.1.5. Partial Refund Eligibility
          1. 2.3.1.5.1. Partial refunds (typically 50%–80% of the service charge subject to Ayudahub's mediation process and the decisions are binding) apply when:
          2. 2.3.1.5.2. Disputed Cancellation
            1. Customer cancels after the service provider has mobilized to site or begun preliminary work.
          3. 2.3.1.5.3. Late Cancellation
            1. Service requests cancelled less than 5–24 hours of scheduled due date and time.
          4. 2.3.1.5.4. Incomplete Service
            1. Service is partially completed before legitimate cancellation occurs.
        6. 2.3.1.6. Service-Specific Refund Terms
        7. 2.3.1.7. Flex Services
          1. Refund eligibility determined by service provider responsiveness and service completion status. Customer complaints are handled directly via the complaint section on the Ayuda app.
        8. 2.3.1.8. Premium Services
          1. All disputes and refund requests must be submitted via the Ayuda app. Assessment and mediation are subject to Ayudahub's review and dispute resolution process. Decisions taken are final and binding for both customers and service providers.
  47. 3. Not Eligible Refund Items
    1. The following are not eligible for refunds:
      1. 3.2.1. Call-out fees for Premium Services (assessment and diagnostic charges)
      2. 3.2.2. Physical products purchased through the platform
      3. 3.2.3. Predefined maintenance packages once service has commenced
      4. 3.2.4. Completed services where work has been satisfactorily delivered
  48. 4. Refund Request Process
    1. The following are not eligible for refunds:
      1. 4.2.1. All refund requests must be submitted through the Ayuda app.
      2. 4.2.2. All refund requests must be submitted through the Ayuda app. All refund requests must be submitted through the Ayuda app.
      3. 4.2.3. Ayudahub reserves the right to investigate and mediate all refund claims.
      4. 4.2.4. Decision timeline: 24 hours for service request review.
  49. 5. Suspension Policy
    1. Suspension Defined
      1. For the purposes of this Agreement, "Suspension" shall mean the temporary cessation of performance of contractual obligations by both parties, which does not constitute a breach of contract nor affect termination thereof. During the period of suspension, the contractual relationship remains in full force and effect, with performance obligations held in abeyance until such time as conditions permit resumption or the Agreement is formally terminated in accordance with its terms.

    50. SUSPENSION POLICY

  50. 1. Suspension Defined
    1. For the purposes of this Agreement, "Suspension" shall mean the temporary cessation of performance of contractual obligations by both parties, which does not constitute a breach of contract nor affect termination thereof. During the period of suspension, the contractual relationship remains in full force and effect, with performance obligations held in abeyance until such time as conditions permit resumption or the Agreement is formally terminated in accordance with its terms.
  51. 2. Types of Suspension
    1. Suspend with a New Date (SND)
      1. 2.1.1. Occurs when both parties are unable to proceed as planned but agree on a revised date to resume work.
      2. 2.1.2. The suspension period is clearly defined, and obligations will reactivate on the agreed-upon date and time.
  52. 3. Suspend Indefinitely (SID)
    1. 3.1. Applies when both parties are uncertain about future availability or project continuation.
    2. 3.2. Work remains on hold until further notice, with no predefined resumption date.
    3. 3.3. Either party may propose a reactivation, subject to mutual agreement.
    4. 3.4. If no resolution is reached within a reasonable timeframe (6 to 12 months), the Agreement may be reviewed for termination by Ayudahub.
  53. 4. Conditions for Suspension
    1. 4.1. Suspension requires mutual consent unless otherwise stated in the original Service Contract.
    2. 4.2. Financial obligations, including partial payments or deposits, may be adjusted based on the suspension terms.
  54. 5. Reactivation After Suspension
    1. 5.1. Suspension with a New Date
      1. Work resumes automatically on the agreed date unless either party requests modifications.
    2. 5.2. Indefinite Suspension
      1. Both parties must agree to now suspend with new date and time and resume work via the scheduled date and time set.
  55. 6. Termination Due to Prolonged Suspension
    1. If suspension extends beyond the reasonable period defined in the Service Contract without resumption, either party may initiate termination procedures in accordance with the Termination and Cancellation Policies.

    56. CANCELLATION POLICY

  56. 1. Cancellation Defined
    1. 1.1. Definition
      1. For the purposes of this Agreement, "Cancellation" refers to the permanent termination of a Service Contract or Agreement, thereby ending all obligations and services between the parties. Unlike Suspension, Cancellation does not permit resumption of the same agreement under the same terms unless a new Service Contract is formed.
    2. 1.2. Distinction from Suspension
      1. Cancellation is final in nature, while Suspension constitutes a temporary pause in performance.
  57. 2. How To Cancel
    1. Cancellation Procedure
      1. 2.1.1. All cancellations must be processed directly through the Ayuda App. There is an automated confirmation for cancellation and the customer is required to state the reason for the cancellation.
      2. 2.1.2. Upon submission of a cancellation request via the Ayuda App, both parties will receive an automated confirmation.
      3. 2.1.3. Cancellations take immediate effect.
  58. 3. Conditions for Cancellation
    1. Work Already Commenced
      1. Where services have commenced, the applicable financial adjustments shall be made in accordance with Article 8.5 of this policy.
  59. 4. Types of Cancellation
    1. 4.1. Immediate Cancellation for Cause
      1. A customer may cancel without notice if the service provider commits any of the following:
        1. Breach of contract, including failure to deliver services as agreed.
        2. Fraudulent activity or any violation of the Terms and Conditions.
  60. 5. Financial Adjustments Upon Cancellation
    1. If the Customer Cancels
      1. Deposits or upfront payments may be non-refundable if work has already commenced.
      2. Refunds for unused services will be prorated based on the percentage of work completed.
      3. Less than 5 hours to the due or fulfillment date, financial adjustments will apply.
      4. Financial adjustments due to the cancellation will be subject to Ayudahub's mediation process and the outcome is binding on both parties.
  61. 6. Post-Cancellation Process
    1. If the Customer Cancels
      1. All active work will cease immediately upon cancellation.
      2. Outstanding payments or refunds shall be processed within 3–7 business days from the cancellation date.
      3. Any disputes arising from the cancellation must be submitted through the complaint section on the Ayuda App.

    62. TOKENS

  62. 1. Reward System
    1. Tokens are awarded to both Customers and Service Providers and credited to their Ayuda Wallet after work completion.
    2. Ayudahub determines the tokens credited to the wallet and is subject to change without notice.
  63. 2. Referral Bonus
    1. Service Providers earn tokens when they refer clients who make product purchases via the Ayuda app. Ayudahub determines the bonuses credited to the wallet and is subject to change without notice.
  64. 3. Customer Incentives
    1. Customers receive tokens when they make a service, product, or invoice request.
  65. 4. Token Usage
    1. Customers can redeem tokens to pay for new service requests only.
    2. Service Providers can redeem tokens for cash.
    3. Customers' tokens are not redeemable for cash and have no monetary value outside the platform.
    4. Tokens are platform-specific incentives and do not constitute legal tender or financial instruments.

    66. BUSINESS PARTNERS

  66. 1. Partnership Arrangements
    1. Ayudahub may establish partnerships with Businesses and/or engage Service Providers to deliver services under such partnerships. Service Providers/businesses who agree to provide services acknowledge that Ayudahub and its Business Partners may resell these services to third parties at a higher fee.
  67. 2. Service Provider Compensation
    1. Service Providers will always receive their agreed service fee as specified in the original Service Contract, regardless of any resale price charged by Business Partners.
  68. 3. Approval Criteria
    1. Business Partners may require that Service Providers meet specific approval criteria or hold certain qualifications. Ayudahub may assist in identifying Service Providers who meet these requirements but that does not guarantee promotion of any or all qualified Service Providers to Business Partners.
  69. 4. Service Delivery Requirements
    1. When a business partner accepts a request from a customer:
      1. 4.1.1. The business partner must deliver the Business Services in compliance with the Service Contract and any applicable Business Partnership Contract in line with Ayudahub's business practices.
      2. 4.1.2. In case of any conflict between agreements, the terms of the Business Partnership Contract will take precedence.

    70. BADGES & VERIFICATION

  70. 1. Identity Verification Services
    1. Ayudahub may implement Identity Verification Services for users.
  71. 2. Accuracy Disclaimer
    1. Users acknowledge that Ayudahub's Identity Verification Services may not be completely accurate, as they depend on user-provided information and third-party verification sources.
  72. 3. User Responsibility
    1. Users remain fully responsible for verifying identities themselves. Ayudahub accepts no liability for the outcomes or usage of its Identity Verification Services.
  73. 4. Service Modifications
    1. Ayudahub reserves the right to modify or update Identity Verification Services at any time.
  74. 5. Feedback System
    1. The Ayuda app may also feature a user-driven feedback system to help users assess the credibility of other service providers.

    75. FEEDBACK

  75. 1. Complaint Submission
    1. Users can submit complaints directly on the Ayuda App via the "Complaint" section by accessing it through the "More" tab.
  76. 2. Account Suspension Rights
    1. Ayudahub reserves the right to suspend or terminate your account if, at its sole discretion, it deems feedback about you to be concerning or if your feedback ratings are considered problematic for the platform and its users.

    77. LIMITATION OF LIABILITY

  77. 1. Maximum Liability Cap
    1. Ayudahub's total liability to any user for any claim, loss, damage, or expense arising from or related to these Terms or use of the Ayuda App shall not exceed the total fees paid by that user for the specific disputed service.
  78. 2. Excluded Damages
    1. Under no circumstances shall Ayudahub be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, goodwill, data, or business interruption.
  79. 3. Force Majeure
    1. Ayudahub shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, government actions, internet outages, or third-party service provider failures.
  80. 4. Third-Party Services
    1. Ayudahub disclaims all liability for any loss or damage users may incur due to third-party services, payment processors, or business partners.
  81. 5. Platform Availability
    1. While Ayudahub strives to maintain platform availability, we do not guarantee uninterrupted or error-free service and are not liable for any downtime or technical issues.

    82. DISPUTE RESOLUTION

  82. 1. Internal Mediation
    1. All disputes shall first be addressed through Ayudahub's internal mediation process via the complaint section on the Ayuda App.
  83. 2. Escalation Process
    1. If Ayudahub determines that internal mediation has failed to resolve the dispute within 30 days, either party may escalate the matter to the Ghana Arbitration Centre for binding arbitration.
  84. 3. Court Jurisdiction
    1. As a final resort, unresolved disputes may be brought before the courts of Ghana, which shall have exclusive jurisdiction.
  85. 4. Mediation Decisions
    1. All decisions made through Ayudahub's internal mediation process are final and binding on both parties.

    86. MODIFICATIONS TO THE AGREEMENT

  86. 1. Right to Amend
    1. Ayudahub Limited may amend this Agreement or its policies from time to time.
  87. 2. Acceptance of Changes
    1. By either actively accepting the revised terms (e.g., clicking "I accept") or continuing to use the Ayuda app in any way — including engaging in Service Contracts — the updated terms become effective immediately.
  88. 3. Disagreement with Changes
    1. If you disagree with any changes, you must either:
      1. 3.1.1. Terminate your Ayuda App account, or
      2. 3.1.2. Notify Ayudahub Limited, who will proceed to close your account on your behalf.

    89. NO AGENCY RELATIONSHIP

  89. 1. Independent Relationship
    1. This Agreement does not create any form of agency, partnership, joint venture, employment, or similar relationship between you and Ayudahub. You do not have any authority to bind Ayudahub Limited, its affiliates, or related entities in any manner.
  90. 2. Third-Party Services Disclaimer
    1. Ayudahub clarifies that any Third-Party Services promoted on the Ayuda app are provided solely by those third-party service providers. To the extent permitted by law, Ayudahub disclaims all liability for any loss or damage you may incur due to the performance or non-performance of such Third-Party Services.

    91. TERMINATION

  91. 1. Right to Terminate
    1. Either you or Ayudahub may terminate your account and this Agreement at any time for cause, including but not limited to:
      1. I. Violation of these terms
      2. II. Fraudulent activity
      3. III. Behavior detrimental to the platform community
  92. 2. Existing Service Contracts
    1. Termination of this Agreement does not affect any existing Service Contracts formed between parties. If you are party to a Service Contract at the time of termination, you remain obligated to fulfill your responsibilities, including service delivery or payment of the agreed amount.
  93. 3. Third-Party Services
    1. Third-Party Services are governed by the terms and conditions of the respective Third-Party Service Providers.
  94. 4. Prohibition on New Accounts
    1. If your account or this Agreement is terminated, you may not create another account without Ayudahub's explicit consent. Ayudahub reserves the right to terminate any additional accounts you operate without prior notice..

    95. COMPANIES ACT, 2019 (LEGAL PROCEEDINGS)

  95. 1. Governing Law and Jurisdiction
    1. This Agreement is governed by the laws of the Republic of Ghana, including compliance with the Data Protection Act, 2012 (Act 843). Both you and Ayudahub agree to submit to the exclusive jurisdiction of the courts in Ghana.
  96. 2. Severability
    1. The provisions of this Agreement are severable. If any provision is deemed invalid or unenforceable, it will be removed, but the remaining provisions will remain valid and enforceable.
  97. 3. Assignment
    1. Ayudahub may assign or novate this Agreement to a third party without needing your consent. In such a case, you remain bound by the terms of this Agreement.
  98. 4. Entire Agreement
    1. This Agreement represents the entire understanding between Users (Customers and Service Providers) and Ayudahub regarding the subject matter discussed herein.

    99. COMMENCEMENT DATE AND TERMINATION OF SERVICE CONTRACT

  99. 1. A Service Contract is established under any of the following conditions:
    1. 1.1. Flex Service Contract Formation
      1. When the Customer accepts the Service Provider's offer and makes payment on a service request via Ayuda Flex.
    2. 1.2. Premium Service Contract Formation
      1. When a Customer makes a service request and Ayudahub assigns a Service Provider under Ayuda Premium.
    3. 1.3. Invoice-Based Contract Formation
      1. When a Service provider raises an invoice for a customer and the customer accepts and makes payment for the invoice raised via the Ayuda app.
    4. 1.4. Fixed-Term Contract Formation
      1. A fixed-term contract is created when a Customer agrees to make payments through alternative means (e.g., cheque, cash) outside of the app's payment options, particularly for services spread over a defined period, as determined by Ayudahub (for Postpaid clients).

    100. SERVICE DELIVERY

  100. 1. Service Provider Standards
    1. The Service Provider is obligated to perform services in a proper, professional, and timely manner on the Ayuda app.
  101. 2. Delivery Requirements
    1. Services must be delivered at the agreed time and location.
  102. 3. Additional Terms
    1. Both parties must adhere to any additional terms and conditions mutually agreed upon during or after the formation of the Service Contract.
  103. 4. Documentation of Additional Terms
    1. Additional terms and conditions mutually agreed in 20.3 above should be conducted via the Ayuda app's in-app chat platform to serve as evidence if an issue arises..

    104. WARRANTIES

  104. 1. Information Accuracy
    1. Each party warrants that the information provided during the creation of the Service Contract is true and accurate.
  105. 2. Service Provider Legal Compliance
    1. The Service Provider warrants that they have the legal right to work in Ghana and possess all relevant certifications and licenses required to provide the agreed services.
  106. 3. 100% Money-Back Guarantee (Premium Services Only)
    1. If a customer is not satisfied with any Ayuda Premium services, he/she is entitled to a 100% money-back guarantee under the following conditions:
      1. 3.1.1. A valid refund request must be submitted within 24 hours of service completion on the Ayuda App.
      2. 3.1.2. The request must include a clear explanation of the dissatisfaction and any supporting evidence (e.g., photos, messages, etc.).
      3. 3.1.3. The 100% money-back guarantee does not apply if:
        1. 3.1.3.1. The issue arose due to pre-existing conditions not disclosed before the service delivery.
        2. 3.1.3.2. The client failed to respond to post-service resolution attempts.
        3. 3.1.3.3. The request relates to a Flex Service or third-party affiliate service.
  107. 4. Investigation and Processing
    1. Ayudahub reserves the right to investigate all claims and determine refund eligibility.
  108. 5. Refund Processing Timeline
    1. Refunds will be processed within three (3) to seven (7) business days after approval from Ayudahub, subject to bank and mobile money provider settlement times.
  109. 6. DISCLAIMER OF WARRANTIES FOR SERVICE PROVIDERS
    1. 6.1. No Guarantee of Service Quality
      1. While Ayudahub strives to maintain high standards on its platform, Ayudahub does not warrant, guarantee, or assume responsibility for the quality, safety, timeliness, legality, or fitness for purpose of services provided by Service Providers on the Ayuda app.
    2. 6.2. Service Provider Independence
      1. Service Providers operating through the Ayuda app are independent contractors and not employees, agents, or representatives of Ayudahub Limited. Ayudahub acts solely as a facilitator connecting customers with service providers.
    3. 6.3. Customer Due Diligence
      1. Customers are encouraged to:
        1. I. Review service provider profiles, ratings, and feedback before engaging their services
        2. II.Communicate expectations clearly through the Ayuda App
        3. III. Report any concerns immediately via the complaint section
    4. 6.4. Limitation of Liability for Service Outcomes
      1. Ayudahub shall not be held liable for:
        1. I. Poor workmanship, incomplete work, or substandard service delivery by independent Service Providers
        2. II. Any damages, losses, or injuries resulting from services performed by Service Providers
        3. III. Disputes arising from the manner, method, or quality of service execution
        4. IV. Any representations, warranties, or guarantees made by Service Providers outside the Ayuda App
    5. 6.5. Ayuda Premium Distinction
      1. For services delivered under Ayuda Premium, where Ayudahub directly assigns Service Providers, Ayudahub maintains higher oversight and the 100% money-back guarantee (as outlined in Section 21.3) applies. However, even under Ayuda Premium, Ayudahub's liability is limited as set forth in Section 13 (Limitation of Liability).
    6. 6.6. Customer Remedies
      1. Customer Remedies
        1. 6.6.1.1. Customers should first attempt resolution directly with the Service Provider via the Ayuda App
        2. 6.6.1.2. If unresolved, customers may file a complaint through the complaint section
        3. 6.6.1.3. Ayudahub will facilitate mediation but does not guarantee any specific outcome
        4. 6.6.1.4. Refund eligibility will be determined in accordance with Section 6.2 (Refunds Policy)
    7. 6.7. No Endorsement
      1. The presence of a Service Provider on the Ayuda app does not constitute an endorsement, recommendation, or guarantee by Ayudahub of that Service Provider's skills, reliability, or service quality.

    110. TERMINATION OF CONTRACT AND SETTLEMENT

  110. 1. Automatic Termination
    1. 1.1. The Service Contract shall automatically terminate under the following conditions:
      1. 1.1.1. Completion of Services
        1. When the agreed services have been fully rendered to the Customer's satisfaction and the agreed amount has been duly released from the Ayuda's Escrow Account to the Service Provider.
      2. 1.1.2. Breach of Contract
        1. Upon any breach of the Service Contract by either party, the non-breaching party reserves the right to terminate the contract immediately, subject to applicable dispute resolution mechanisms and/or Ayudahub's mediation process where relevant.
      3. 1.1.3. Misrepresentation of Identity
        1. If Ayudahub discovers that a Service Provider concealed or falsified their true identity during the engagement or negotiation process, Ayudahub reserves the right to immediately terminate the Service Contract without compensation.

    111. APPLICATION OF POLICIES AND GOVERNING LAW

  111. 1. Incorporation of Applicable Laws
    1. The parties hereby incorporate by reference the laws of the Republic of Ghana, specifically the Companies Act, 2019 (Act 992) and the Data Protection Act, 2012 (Act 843), as amended from time to time.
  112. 2. Compliance with Ayudahub Policies
    1. Users agree to adhere to all policies published by Ayudahub on the Ayuda app, including but not limited to:
      1. 2.1.1. Privacy Policy
      2. 2.1.2. Terms of Use
      3. 2.1.3. Any other operational or compliance-related policies updated periodically

    113. GLOSSARY

  113. 1. AYUDAHUB GLOSSARY OF TERMS
    1. This glossary provides standardised definitions for key terms used across Ayudahub's agreements, policies, and platform documentation:
      1. 1.1.1. Agreement
        1. The latest version of the terms governing the relationship between Ayudahub Limited and users of the Ayuda App.
      2. 1.1.2. Agreed Price
        1. The price agreed upon for services, including any modifications, paid into the Escrow Account. It excludes reimbursement for incidental costs borne by the service provider unless agreed otherwise by the customer.
      3. 1.1.3. Ayudahub / We / Us / Our
        1. Refers to Ayudahub Limited, registered under number GM-014-2370.
      4. 1.1.4. Ayuda app
        1. The digital platform that seamlessly connects customers with verified service providers, enabling users to request, manage, and pay for a wide range of services through an efficient and secure system.
      5. 1.1.5. Ayudahub Service
        1. The facilitation service provided via the Ayudahub Platform.
      6. 1.1.6. Badge
        1. A verification and credibility marker issued to users on the platform.
      7. 1.1.7. Business Day
        1. Any day banks are open for business in Accra, Ghana, excluding Saturdays, Sundays, and public holidays.
      8. 1.1.8. Business Partner
        1. A business or individual contracting with Ayudahub for business services via the platform.
      9. 1.1.9. Business Partner Contract
        1. A contract between Ayudahub and a business entity for the provision of business services.
      10. 1.1.10. Business Services
        1. Services provided by a service provider to a business partner for resale or third-party delivery.
      11. 1.1.11. Cancellation
        1. The permanent termination of a service contract or agreement, thereby ending all obligations and services between the parties.
      12. 1.1.12. Cancellation Fee
        1. A fee payable by a customer upon cancellation of a confirmed service contract.
      13. 1.1.13. Consequential Loss
        1. Any indirect loss recoverable by law, including lost opportunity, goodwill, profits, data, or equipment value.
      14. 1.1.14. Customer
        1. A user requesting services through the platform.
      15. 1.1.15. Escrow Account
        1. A holding account where payments are secured until service completion.
      16. 1.1.16. Fees
        1. Charges payable to Ayudahub by customers and service providers, including service fees.
      17. 1.1.17. Identity Verification Services
        1. Tools and processes used to verify user identity, qualifications, and credentials.
      18. 1.1.18. Non-Excludable Condition
        1. A contract condition that cannot legally be excluded under applicable law.
      19. 1.1.19. Offer
        1. A proposal by a service provider in response to a customer's service request.
      20. 1.1.20. Parties
        1. This refers to the entities involved in a service contract for the purpose of mediation:
          1. For Premium: The Parties are Ayudahub Limited and the Customer
          2. For Flex: The Parties are the Customer and the Service Provider
      21. 1.1.21. Payment Provider
        1. The entity managing payment processing and the Escrow Account.
      22. 1.1.22. Personal Information
        1. As defined in the Ayudahub Privacy Policy.
      23. 1.1.23. Policies
        1. Any policies published by Ayudahub on the platform.
      24. 1.1.24. Privacy Policy
        1. Available at https://ayudahub.com/privacy.
      25. 1.1.25. Same-day requests
        1. A service request made and scheduled to be delivered according to the due date and time that the request was created.
      26. 1.1.26. Service Code
        1. A unique identifier assigned to each service request.
      27. 1.1.27. Service Contract
          1. In the Flex model: A Service Contract is formed directly between the customer and the service provider once an offer is accepted and payment is made
          2. In the Premium model: The Service Contract is established between Ayudahub and the customer when Ayudahub assigns a service provider to the request
      28. 1.1.28. Service Insurance
        1. Insurance coverage provided by Ayudahub or its affiliates for services rendered through the platform.
      29. 1.1.29. Service Provider
        1. A user providing services via the platform.
      30. 1.1.30. Service Provider Funds
        1. The Agreed Price minus applicable service fees.
      31. 1.1.31. Service Requests
        1. A customer's specification of services needed, including scope, pricing, and timelines.
      32. 1.1.32. Services
        1. The tasks or work specified in a service request.
      33. 1.1.33. Site
        1. The website https://www.ayudahub.com.
      34. 1.1.34. Suspension
        1. The temporary cessation of performance of contractual obligations by both parties, which does not constitute a breach of contract nor affect termination thereof.
      35. 1.1.35. Token
        1. A digital reward system incentivising user engagement with no monetary value for customers outside the platform.
      36. 1.1.36. User / You
        1. Any individual or entity registered on the Ayuda platform, whether as a customer or service provider.
      37. 1.1.37. Verification Icons
        1. Symbols indicating verified credentials or qualifications of a user.

    114. RULES OF INTERPRETATION

    1. Unless expressly indicated otherwise:
      1. 1.1.1. Singular words include the plural and vice versa; gender references are inclusive of all gender identities.
      2. 1.1.2. Variants of defined terms carry corresponding meanings.
      3. 1.1.3. References to documents include any amendments, supplements, or replacements.
      4. 1.1.4. References to currency denote Ghanaian Cedis (GHS or ¢).
      5. 1.1.5. All time references align with the time zone of Accra, Ghana.
      6. 1.1.6. "Person" includes individuals, partnerships, corporations, and governmental entities.
      7. 1.1.7. References to statutes include all amendments, reenactments, and subordinate legislation.
      8. 1.1.8. General terms are not limited by specific examples introduced with terms such as "including" or "for example".
      9. 1.1.9. No adverse construction shall apply to any party based on responsibility for drafting this Agreement.

    115. EFFECTIVE DATE AND VERSION CONTROL

  115. 1. Effective Date
    1. These Terms and Conditions take effect immediately upon publication on the Ayuda App and the Ayudahub website (https://www.ayudahub.com) and supersede all previous versions.
  116. 2. Version Control
    1. This document represents Version 2.0 of the Ayudahub Terms and Conditions, revised December 2025.
  117. 3. Notice of Changes
    1. 3.1. When material changes are made to these Terms and Conditions:
      1. 3.1.1. Users will be notified via in-app notification, email, or prominent notice on the Ayuda App.
      2. 3.1.2. Continued use of the platform after notification constitutes acceptance of the revised terms.
      3. 3.1.3. Users who do not accept the changes must discontinue use and may request account closure as provided in Section 15.3.
  118. 4. Access to Previous Versions
    1. Upon request, users may obtain copies of previous versions of these Terms and Conditions by contacting Ayudahub support through the Ayuda App or via email at support@ayudahub.com.
  119. 5. Binding Effect
    1. By creating an account, accessing, or using the Ayuda App in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their current form.
  120. 6. Conflicts with Prior Agreements
    1. In the event of any conflict between these Terms and Conditions and any prior agreements, representations, or understandings (whether written or oral), these Terms and Conditions shall prevail.
  121. © Ayudahub Limited, Version 2.0 - Effective October 2025. All Rights Reserved.