User Agreement

By accessing or using the Limba mobile application or the website at trylimba.com (together, the "Platform"), you agree to be bound by this User Agreement and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these terms, you must not use the Platform. Using the Platform on behalf of a business means you represent that you have authority to bind that business to this Agreement.

To use Limba, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into binding contracts in your jurisdiction;
• Not be prohibited from receiving services under applicable law; and
• Provide accurate, complete, and current registration information.

Limba reserves the right to refuse service to anyone for any lawful reason, including where we have reason to believe an account poses a fraud or safety risk.

To access most features of the Platform, you must create an account. You agree to:

• Provide truthful and accurate information during registration and keep it up to date.
• Keep your password confidential and not share it with any other person.
• Notify Limba immediately at contact@trylimba.com if you suspect any unauthorised access to your account.
• Take responsibility for all activity that occurs under your account.

You may only hold one active Limba account. Creating multiple accounts to circumvent bans, limits, or verification requirements is prohibited.

Identity verification (KYC)

Certain features — including wallet withdrawals — require you to complete identity verification by providing a government-issued ID and a selfie. Providing false documents is a violation of this Agreement and may be reported to relevant authorities. Verified status may be revoked if verification is found to be fraudulent.

The Limba wallet allows you to deposit funds from mobile money accounts (Orange Money, Free Money, Wave, Expresso) or by card, and to withdraw to your mobile money account.

Deposits

• Deposits are processed by Fincra, our licensed payment partner. Funds are credited to your Limba wallet upon confirmed receipt from the payment network.
• Minimum and maximum deposit amounts are displayed within the app and may change.
• Deposit failures due to insufficient funds or network errors are the responsibility of the depositing party. Limba is not liable for delays caused by mobile money operators or card networks.

Withdrawals

• Withdrawals require a verified account (KYC completed).
• Withdrawal fees, where applicable, are displayed before confirmation and deducted from your wallet balance.
• Processing times depend on the mobile money operator and may take up to 24 hours.
• Limba reserves the right to temporarily hold or delay withdrawals where fraud or suspicious activity is suspected, pending investigation.

Wallet balance

• Your wallet balance reflects funds held on your behalf by Limba's payment infrastructure.
• Wallet funds do not accrue interest.
• Limba is not a bank and your wallet balance is not a bank deposit. It is not protected by deposit guarantee schemes.

Disputes and chargebacks

If you believe a transaction on your Limba wallet is unauthorised, contact us at contact@trylimba.com within 30 days of the transaction date. Initiating a chargeback with your card provider for a transaction you authorised, or for which you received the corresponding service, may result in account suspension.

For sellers and listers

• List only items you legally own and have the right to sell.
• Provide accurate descriptions, prices, and images. Misleading listings are prohibited.
• Fulfill orders you accept promptly and as described. Cancelling confirmed orders without cause may result in penalties to your seller rating or account suspension.
• Respond to buyer inquiries in a reasonable timeframe.

For buyers

• Pay for orders you confirm. Failing to pay for confirmed orders may result in account restrictions.
• Raise disputes through the Limba in-app dispute process, not through chargebacks, unless all in-app options have been exhausted.
• Treat sellers respectfully. Abusive communication is prohibited.

Fees and commissions

Limba may charge a service fee or commission on marketplace transactions. Applicable fees are disclosed in the app at the time of each transaction. Fee structures may change with notice as described in Section 16.

Limba enables users ("Senders") to send parcels via other users who are traveling ("Travelers").

Senders

• You must accurately declare the nature and contents of the parcel.
• You must not send items that are prohibited under Section 7, illegal under any applicable law, or subject to customs restrictions without proper declaration.
• Limba facilitates the connection but is not a shipping carrier and is not responsible for loss or damage during transit.

Travelers

• You are responsible for inspecting and accepting only parcels whose contents you have verified as legal and safe to carry.
• You must comply with all customs and border regulations in your origin and destination countries.
• You must not accept parcels whose contents you have not personally verified.
• Accepting a parcel containing prohibited or undeclared items exposes you to legal risk. Limba is not liable for legal consequences arising from items you agree to carry.

The following are strictly prohibited on the Limba platform. Violations may result in immediate account suspension, termination, and referral to law enforcement.

This list is not exhaustive. Limba reserves the right to determine what constitutes a violation at its reasonable discretion.

You may post, upload, or transmit content on the Platform ("User Content"), including product listings, photos, reviews, and chat messages. By submitting User Content, you:

• Represent that you own or have the right to share that content.
• Grant Limba a non-exclusive, royalty-free, worldwide licence to display, reproduce, and adapt that content solely as necessary to operate and improve the Platform.
• Remain responsible for that content and any legal consequences arising from it.

Limba does not endorse any User Content and reserves the right to remove any User Content that violates this Agreement.

The Limba name, logo, design, software, and all content produced by Limba are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works of any part of the Platform without our prior written consent.

You are granted a limited, revocable, non-exclusive, non-transferable licence to access and use the Platform for its intended purpose. This licence does not include the right to scrape, download, or systematically extract data from the Platform.

The Platform is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limba does not guarantee that the Platform will be available at all times, that transactions between users will be completed without dispute, or that information provided by other users is accurate or reliable.

Limba is a marketplace platform. We are not a party to transactions between users and are not responsible for the quality, legality, safety, or delivery of goods exchanged between users.

To the maximum extent permitted by applicable law, Limba shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Platform;
• Any transactions or dealings with other users;
• Unauthorised access to your account where you have failed to maintain the security of your credentials;
• Delays or failures in mobile money or card payment networks beyond our control.

In any event, Limba's total liability to you for any claim arising out of this Agreement shall not exceed the greater of (a) the total fees paid by you to Limba in the 12 months preceding the claim, or (b) XOF 50,000.

You agree to defend, indemnify, and hold harmless Limba and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to:

• Your violation of this Agreement;
• Your User Content;
• Your use of the Platform in breach of any applicable law; or
• Any dispute between you and another user.

Between users

Disputes between buyers and sellers or between senders and travelers should first be raised through the Limba in-app dispute tool. Limba will review the dispute, consider evidence from both parties, and issue a decision within a reasonable timeframe. Limba's decision on in-app disputes is final for amounts up to XOF 500,000.

Between you and Limba

Any dispute, controversy, or claim arising out of or relating to this Agreement that cannot be resolved through good-faith negotiation shall be submitted to binding arbitration administered in accordance with the rules of arbitration applicable in Dakar, Senegal. The arbitration shall be conducted in French or English at the election of the claimant.

Please attempt to resolve any dispute informally first by contacting us at contact@trylimba.com. We will try to resolve the dispute within 30 days.

No class actions

All disputes must be brought in your individual capacity. You waive any right to participate in class action lawsuits or class-wide arbitrations against Limba.

By you

You may close your account at any time through Settings → Account → Delete Account in the Limba app. Closing your account does not cancel any pending transactions or obligations already incurred.

By Limba

We may suspend or permanently terminate your account at any time, with or without notice, if you violate any provision of this Agreement, if we have reason to believe your account poses a fraud or security risk, or if we are required to do so by law.

Upon termination, any wallet balance you hold (less any amounts owed to Limba) will be returned to you via mobile money within a reasonable period, unless the account was terminated due to fraud, in which case funds may be held pending investigation.

This Agreement is governed by and construed in accordance with the laws of the Republic of Senegal, without regard to its conflict of law provisions. Any legal proceedings not subject to arbitration shall be brought exclusively in the competent courts of Dakar, Senegal.

If you are a consumer located in a jurisdiction that provides you with greater rights than those set out in this Agreement, the laws of your jurisdiction apply to the extent required.

We may update this Agreement from time to time. When we make material changes, we will update the "Last updated" date above, and notify you by email and/or in-app notification at least 14 days before the changes take effect.

If you continue to use the Platform after updated terms take effect, you accept the updated Agreement. If you do not accept the changes, you must stop using the Platform and may close your account.

For questions about this Agreement or the Platform, please reach out:

• Email: contact@trylimba.com
• Legal & privacy matters: privacy@trylimba.com
• Website: trylimba.com