Legal

Gift Terms

Last updated: [Effective date]

1. Who we are

JanaTribe is operated by [JanaTribe legal entity name, e.g. JanaTribe Ltd] (registration no. [Registrar-General registration number]), [Registered address / GPS address, Accra, Ghana]. JanaTribe provides wedding websites. We are a technology platform. We are not a bank, a payment service provider or a party to any gift between a guest and a couple.

2. How gifts are paid

1. Gifts are paid through Paystack, a licensed payment processor. Guests can pay with Mobile Money (MTN, Telecel, AT) or a Visa or Mastercard card, depending on what Paystack offers at checkout.
2. Card and mobile money details are entered on Paystack's checkout. JanaTribe never sees or stores them.
3. When a couple has set up payouts, Paystack splits each gift at the moment of payment. The couple's share is paid by Paystack to the couple's mobile money wallet, normally on the next working day. The first payout after a couple adds or changes their wallet can take longer while it is checked.
4. Gift amounts are in Ghana cedis (GHS). A single gift can't be more than GHS 20,000.

3. Fees

The guest pays the amount they choose. From that amount, Paystack keeps its processing fee (currently about 1.95% for local payments) and JanaTribe keeps a service fee of 4%. The couple receives the rest. Example: on a GHS 500 gift, the couple receives about GHS 470. Fees are shown before payment and may change; any change applies only to gifts made after it is published here.

4. For guests

1. Your gift is a personal gift to the couple. It is not tax-deductible and does not buy any goods or services from JanaTribe.
2. Check the name shown as the recipient before you pay. If something doesn't look right, don't pay, and tell us at [support@janatribe.com].
3. Your receipt is sent to the email you give. The couple sees your name, the amount and any note you leave.

5. Refunds, errors and disputes

1. Gifts can't be refunded because you changed your mind, or because the wedding was postponed or cancelled. Any return of a gift in those cases is between you and the couple.
2. If you were charged twice, charged the wrong amount, or the payment was not made by you, contact us within 30 days at [support@janatribe.com] with your Paystack receipt. We will work with Paystack to investigate and, where the error is confirmed, reverse it.
3. Card chargebacks follow the rules of the card networks and Paystack. Where a chargeback is upheld, the amount may be recovered from the couple's future payouts.

6. For couples

1. You must give a mobile money wallet registered in your own name (or your partner's). You confirm the details are correct and that you are allowed to receive payments to it.
2. You agree to JanaTribe's service fee and to Paystack's fee being taken from each gift.
3. You are responsible for any taxes that apply to gifts you receive.
4. You must not use gifts for anything unlawful, or ask guests to pay outside JanaTribe while saying it is through JanaTribe.
5. We may pause gifts on a website, or ask you for identification, if we or Paystack see activity that looks like fraud, money laundering or a breach of these terms.

7. Privacy

We collect guests' names, emails and notes, and couples' payout details, only to process gifts, send receipts and prevent fraud. We share them with Paystack for that purpose. We only keep the last four digits of a couple's wallet number. We handle personal data under Ghana's Data Protection Act, 2012 (Act 843). See our Privacy Policy.

8. Liability

JanaTribe isn't responsible for how a couple uses gifts, for delays or failures caused by Paystack, mobile networks or banks, or for losses caused by details a couple entered incorrectly. Nothing in these terms limits rights you have under Ghanaian consumer law.

9. Changes and contact

We may update these terms, and will show the date of the latest version at the top of this page. Questions: [support@janatribe.com] · [+233 XX XXX XXXX]. These terms are governed by the laws of the Republic of Ghana.