BISAME PLATFORM & BRAND TERMS OF SERVICE

Last Updated: September 28, 2026
Effective Date: September 28, 2026
Legal Operating Entity: BisaMe Digital Limited ("BisaMe", "Platform", "Company", "We", "Us", or "Our")
Applicable Ecosystem: Mobile Applications (iOS & Android), Web Application (bisame.com), BisaMe Marketplace, BisaMe Ride (Mobility), BisaMe Trade Assurance (BTA), Merchant Shops, and associated APIs & Web Portals.

[!IMPORTANT] PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THE BISAME PLATFORM.
By creating an account, accessing, browsing, downloading, installing, or using the BisaMe Mobile Application, Web Application (bisame.com), or related platform services, you agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws and regulations. If you do not agree to these Terms, you must immediately cease using the platform on all mobile devices and web interfaces.

TABLE OF CONTENTS

1. Executive Summary & Corporate Governance
2. Scope of Application (Mobile & Web Platform)
3. Eligibility, Identity Verification & Account Security
4. Platform Architecture & Intermediary Role
5. BisaMe Marketplace & E-Commerce Terms
6. BisaMe Trade Assurance (BTA) Escrow & Inspection Services
7. BisaMe Ride & Mobility Services
8. Payments, Wallet Balances & Financial Compliance
9. User Conduct & Prohibited Activities
10. Intellectual Property, Licensing & User Content
11. Security, Fraud Telemetry & Monitoring
12. Disclaimers of Warranties & Availability Standards
13. Limitation of Liability & Indemnification
14. Dispute Resolution, Binding Arbitration & Governing Law
15. App Store, Google Play & Web Standard Provisions
16. Account Termination & Self-Service Account Deletion
17. Amendments & Official Contact Information

1. EXECUTIVE SUMMARY & CORPORATE GOVERNANCE

These Terms of Service are authored and enforced under the corporate governance of BisaMe Digital Limited.

• Corporate & Operations Mandate: BisaMe Digital Limited operates a unified cross-platform ecosystem connecting Buyers, Sellers, Merchants, Riders, and Drivers. We maintain strict platform integrity, enforce statutory compliance under Ghanaian law (including the Data Protection Act 2012, Act 843, and Electronic Transactions Act 2008, Act 772), and uphold international digital commerce standards.
• Product & User Experience Mandate: We design accessible, dynamic, and transparent user workflows across both mobile devices and web interfaces (bisame.com). Every state transition—from product browsing to escrow release or ride completion—is structured for maximum clarity and safety.
• Engineering & System Architecture Mandate: Our platform infrastructure utilizes distributed microservices, secure cryptographic APIs, real-time location engines, and automated fraud-detection systems to deliver high availability and zero-trust security.
• Security & Regulatory Mandate: We enforce mandatory KYC identity verification via national databases (such as the Ghana Card / National Identification Authority), AES-256 data encryption at rest, TLS 1.3 in transit, and continuous compliance with Apple App Store Guidelines and Google Play Developer Policies.

2. SCOPE OF APPLICATION (MOBILE & WEB PLATFORM)

These Terms apply universally to all users accessing BisaMe through:

• The BisaMe Mobile Application (iOS App Store and Google Play Store distributions).
• The BisaMe Web Application & Portals hosted at https://bisame.com (including https://bisame.com/terms_of_use, merchant dashboards, and progressive web features).
• Third-Party Integrations & APIs connected to the BisaMe platform ecosystem.

By accessing any part of the platform on any device or web browser, you enter into a legally binding agreement with BisaMe Digital Limited.

3. ELIGIBILITY, IDENTITY VERIFICATION & ACCOUNT SECURITY

3.1 Eligibility Criteria

To create an account or use any service on BisaMe, you must:

1. Be at least 18 years of age (or the age of legal majority in your jurisdiction).
2. Possess full legal authority to enter into a binding contract.
3. Not be previously suspended, deactivated, or prohibited from using the BisaMe platform.
4. Provide a valid mobile phone number, email address, and a verified government identity document (e.g., Ghana Card) where required for merchant sales, escrow transactions, or driver registration.

3.2 Account Security & Credentials

• You are solely responsible for safeguarding your login credentials (passwords, PINs, OTP tokens, biometric device logins).
• Any action performed through your registered account is deemed to be authorized by you. You must notify [email protected] immediately if you suspect unauthorized access.
• Users may maintain only one primary personal account. Creating duplicate, disposable, or deceptive accounts is strictly prohibited and subject to immediate suspension and wallet freeze.

3.3 Identity Verification (Ghana Card & KYC Compliance)

• High-trust features—such as managing a verified Merchant Shop, selling under BisaMe Trade Assurance (BTA), withdrawing wallet funds, or registering as a Mobility Driver—require mandatory Know-Your-Customer (KYC) identity verification.
• By submitting your Ghana Card details, selfie photo match, and personal attributes, you grant BisaMe Digital Limited explicit permission to query government verification databases (such as the National Identification Authority API) and accredited verification partners.
• Submitting false, altered, or stolen identity documents constitutes a material breach of these Terms and will result in immediate permanent banning and criminal reporting to law enforcement authorities.

4. PLATFORM ARCHITECTURE & INTERMEDIARY ROLE

4.1 Intermediary Technology Platform

BisaMe Digital Limited provides a technological platform that facilitates:

1. Marketplace Connections: Allowing Buyers and Sellers to discover, negotiate, and transact goods and services.
2. Mobility Dispatch: Connecting Riders with independent Drivers for on-demand transportation and parcel delivery.
3. Escrow & Inspection Services: Managing funds protection and quality verification through BisaMe Trade Assurance (BTA).

4.2 Independent Contractor Relationship

• Sellers & Merchants: Operating on BisaMe are independent commercial entities. BisaMe Digital Limited is not a reseller, manufacturer, or distributor of products listed by third-party sellers (unless explicitly branded as direct BisaMe items).
• Mobility Drivers: Are independent third-party contractors, not employees, agents, or joint-venturers of BisaMe Digital Limited. BisaMe provides lead-generation and software dispatch services only and does not own or operate transportation vehicles.

5. BISAME MARKETPLACE & E-COMMERCE TERMS

5.1 Listing Policies & Seller Representations

Sellers listing items or services on the BisaMe mobile or web apps represent and warrant that:

1. They possess lawful ownership or authorized distribution rights for all listed products.
2. All descriptions, photographs, pricing, stock availability, and condition tags (New, Refurbished, Used) are accurate and non-deceptive.
3. Listed items comply with consumer safety standards, health regulations, and trademark laws.
4. They will fulfill accepted orders within agreed timelines.

5.2 Prohibited Goods and Services

The following items are strictly banned from being listed, advertised, or transacted on BisaMe:

• Counterfeit items, replicas, or unauthorized brand reproductions.
• Firearms, ammunition, explosives, tactical weapons, and illegal gear.
• Prescription drugs, unapproved medical products, and controlled substances.
• Adult content, sexually explicit media, human organs, or protected wildlife.
• Stolen goods, pirated software, cracked credentials, or illegal financial instruments.
• Hazardous chemicals, toxic materials, or contraband prohibited under Ghanaian or international law.

5.3 Buyer Responsibilities

Buyers agree to review listing specifications, seller ratings, and warranty conditions carefully before initiating orders. For high-value transactions, Buyers are strongly advised to utilize BisaMe Trade Assurance (BTA).

6. BISAME TRADE ASSURANCE (BTA) ESCROW & INSPECTION SERVICES

6.1 Custodial Escrow Mechanics

BisaMe Trade Assurance (BTA) is a proprietary buyer-protection workflow designed to eliminate transaction fraud across mobile and web channels:

1. Order Placement: The Buyer places an order via BTA. Payment is transferred to a secure custodial escrow account managed by licensed financial partners of BisaMe Digital Limited.
2. Dispatch & Inspection: The Seller dispatches the item. The item undergoes verification (at an authorized BTA Inspection Hub or upon trackable physical handover).
3. Verification Window: Upon delivery, the Buyer has a designated verification window (standard: 24 to 72 hours) to inspect the item against listing descriptions.
4. Funds Release: Upon Buyer confirmation (or expiration of the inspection window without a reported issue), funds are automatically released to the Seller's wallet.

6.2 BTA Dispute Resolution & Arbitral Finality

• If the delivered item is defective, counterfeit, damaged, or significantly not as described, the Buyer may initiate a BTA Dispute before funds release.
• Upon dispute initiation, funds remain frozen in custodial escrow.
• Buyer and Seller agree to submit evidence (photos, video unboxing logs, serial numbers, chat logs) to the BisaMe Dispute Committee.
• The Committee's determination is final and binding within the platform. Remedies include:
  • Full Refund to Buyer (less non-refundable third-party logistics/inspection fees where applicable).
  • Full Release to Seller (if the claim is unsubstantiated or fraudulent).
  • Partial Refund or Replacement Agreement.

7. BISAME RIDE & MOBILITY SERVICES

7.1 Rider Code of Conduct

Riders using BisaMe Ride agree to:

• Provide accurate pickup points and destination coordinates.
• Treat Drivers and their vehicles with care and respect.
• Pay all generated fares, wait-time charges, tolls, and valid cancellation fees.
• Refrain from carrying hazardous, illegal, or combustible items during trips.

7.2 Driver Requirements & Vehicle Safety

Drivers operating on the BisaMe platform must:

• Possess a valid commercial driver's license, vehicle registration, roadworthiness certificate, and comprehensive vehicle insurance.
• Pass mandatory Ghana Card identity verification, criminal background checks, and physical vehicle safety inspections.
• Maintain minimum customer rating thresholds (e.g., 4.2/5.0 stars). Drivers falling below standard thresholds face automated deactivation.

7.3 Real-Time GPS Tracking & Location Usage

• Driver Location: Drivers must grant continuous background location access while "On Duty" to receive ride dispatches, route navigation, and safety tracking.
• Rider Location: Riders grant location permissions during active booking requests to facilitate driver pickup and live trip tracking.

7.4 Fares, Surge Pricing & Cancellation Surcharges

• Fares are dynamically computed based on base rates, time elapsed, distance traveled, traffic density, and demand surge multipliers.
• Cancellation Surcharge: If a Rider cancels a booking more than 2 minutes after driver acceptance or fails to show up within 5 minutes of driver arrival, a non-refundable cancellation fee is charged to the Rider's wallet or payment card.

8. PAYMENTS, WALLET BALANCES & FINANCIAL COMPLIANCE

8.1 Payment Processing & Currency

• All prices and monetary amounts on BisaMe are processed in Ghana Cedi (GHS) unless explicitly indicated otherwise.
• Payments are facilitated via PCI-DSS Level 1 compliant payment gateways (including Mobile Money operators MTN MoMo, Telecel Cash, AT Money, and Visa/Mastercard processing partners).
• BisaMe Digital Limited never stores full credit/debit card numbers or Mobile Money PINs on its servers.

8.2 Service Fees & Payouts

• Marketplace Commission: BisaMe deducts a standardized platform service commission on completed sales transactions.
• Wallet Withdrawals: Merchants, Sellers, and Drivers may withdraw available wallet funds to verified Mobile Money accounts or Ghanaian bank accounts matching their verified Ghana Card identity.
• Tax Compliance: Platform fees are subject to applicable taxes, including Ghana Value Added Tax (VAT), E-Levy, and statutory tax withholdings required by the Ghana Revenue Authority (GRA).

9. USER CONDUCT & PROHIBITED ACTIVITIES

Users agree NOT to engage in any of the following prohibited behaviors on the mobile app or web portal:

1. Fraud & Steering: Impersonating individuals or businesses, creating fake listings, or attempting off-platform payment steering to bypass BTA escrow protection.
2. System Interference: Reverse engineering, decompiling, scraping, crawling, or injecting malicious code, viruses, or SQL exploits into the mobile app, web dashboard, or APIs.
3. Abusive Behavior: Harassing, stalking, threatening, or transmitting offensive, hateful, or sexually explicit content to users, drivers, or customer support staff.
4. Review Manipulation: Creating fake ratings, colluding with others to inflate scores, or threatening negative feedback to extort unfair concessions.
5. Denial of Service: Initiating DoS attacks, automated bot traffic, or high-frequency API abuse.

10. INTELLECTUAL PROPERTY, LICENSING & USER CONTENT

10.1 BisaMe Intellectual Property

• The BisaMe brand, trademarks, logos, web/mobile UI/UX designs, software source code, database schemas, and proprietary algorithms are the exclusive property of BisaMe Digital Limited.
• You are granted a limited, non-exclusive, non-transferable, revocable license to access the web application at bisame.com and download the mobile app strictly for personal or authorized business use in accordance with these Terms.

10.2 User Content Rights

• By posting listings, shop details, photos, chat messages, or reviews ("User Content"), you grant BisaMe Digital Limited a non-exclusive, royalty-free, worldwide, perpetual license to host, display, reproduce, modify, and distribute such content across mobile and web applications for platform operational and promotional purposes.
• You represent that your User Content does not infringe upon any third-party intellectual property or privacy rights.

11. SECURITY, FRAUD TELEMETRY & MONITORING

BisaMe Digital Limited employs automated security monitoring, telemetry logs, IP geolocation tracking, and device fingerprinting to detect fraudulent transactions, account takeover attempts, and suspicious activity across mobile and web interfaces.

12. DISCLAIMERS OF WARRANTIES & AVAILABILITY STANDARDS

• "AS-IS" and "AS-AVAILABLE": The BisaMe platform, mobile applications, web portals, marketplace listings, and ride dispatch engines are provided on an "As-Is" and "As-Available" basis without warranties of any kind, express or implied.
• Operational Uptime: While we target 99.9% service availability, BisaMe Digital Limited does not guarantee uninterrupted, error-free, or zero-latency operation due to scheduled maintenance, telecom network outages, or force majeure events.
• Third-Party Content: BisaMe Digital Limited does not independently warrant the quality, safety, legality, or authenticity of third-party seller items or driver vehicles beyond our standard KYC and verification workflows.

13. LIMITATION OF LIABILITY & INDEMNIFICATION

13.1 Limitation of Liability

To the maximum extent permitted under applicable law, BisaMe Digital Limited, its directors, officers, employees, software engineers, and agents shall NOT be liable for:

1. Indirect, incidental, special, consequential, or punitive damages.
2. Loss of revenue, profits, business opportunities, data, or goodwill.
3. Personal injury, property damage, or loss resulting from marketplace interactions or mobility rides.
4. Unauthorized access or alteration of user data resulting from client device compromise.

In no event shall the total aggregate liability of BisaMe Digital Limited exceed the total platform fees paid by you to BisaMe in the three (3) months preceding the claim, or GHS 500, whichever is lower.

13.2 Indemnification

You agree to indemnify, defend, and hold harmless BisaMe Digital Limited and its officers, directors, employees, and agents from any third-party claims, losses, liabilities, costs, or legal fees resulting from your breach of these Terms, violation of laws, or misuse of the platform.

14. DISPUTE RESOLUTION, BINDING ARBITRATION & GOVERNING LAW

14.1 Governing Law

These Terms shall be governed by, construed, and enforced in accordance with the laws of the Republic of Ghana.

14.2 Informal Resolution

Before commencing formal proceedings, parties agree to attempt informal resolution by submitting notice to [email protected] or [email protected]. Parties shall negotiate in good faith for at least thirty (30) calendar days.

14.3 Binding Arbitration

If informal negotiation fails, the dispute shall be submitted to binding arbitration in Accra, Ghana, under the Alternative Dispute Resolution Act, 2010 (Act 798). Proceedings shall be conducted in English by a single qualified arbitrator.

15. APP STORE, GOOGLE PLAY & WEB STANDARD PROVISIONS

• Apple App Store Specific Terms: Acknowledges that these Terms are between the user and BisaMe Digital Limited, not Apple Inc. Apple carries no maintenance, support, or direct warranty obligations.
• Google Play Specific Terms: Acknowledges compliance with Google Play Developer Distribution Agreements, runtime permission disclosures, and Data Safety disclosures.
• Web Standard Compliance: Web interfaces at bisame.com strictly follow modern web security standards (HTTPS, Content Security Policy, Secure Cookies, and Cross-Origin Resource Sharing rules).

16. ACCOUNT TERMINATION & SELF-SERVICE ACCOUNT DELETION

In compliance with Apple App Store Guideline 5.1.1(v) and Google Play policy, users can delete their account at any time:

• In Mobile App: Profile -> Account Settings -> Security & Privacy -> Delete Account.
• On Web Portal: Submit an automated account deletion request at https://bisame.com/delete-account.

Upon account deletion, personal profile data is permanently purged or anonymized within 30 days, except financial ledgers retained for statutory 7-year audit requirements under Ghanaian law.

17. AMENDMENTS & OFFICIAL CONTACT INFORMATION

BisaMe Digital Limited reserves the right to update these Terms at any time. Material updates will be published at https://bisame.com/terms_of_use and notified via in-app alerts or email.

Official Legal & Operational Contact:
BisaMe Digital Limited
Accra, Ghana

📧 Primary Support Email: [email protected]
📧 General Corporate Email: [email protected]
📧 Alternative Contact Email: [email protected]
🌐 Web Application: https://bisame.com
🔗 Terms of Use Link: https://bisame.com/terms_of_use