Reliable Menders is a marketplace that connects people who need home repairs and other artisan services with skilled, identity-verified service providers. It is operated by Electrosoft Pvt Ltd, a company incorporated in Nigeria (RC No. 1577591), trading as Reliable Menders ("we", "us", or "our"), and is currently available in Nigeria.

By downloading the app, creating an account, or using any part of our service, you agree to these Terms and Conditions. If you do not agree, please do not use the platform.

The platform has two kinds of user. Different screens and documents may use different words for the same role, and they mean the same thing:

• Employer means anyone who posts a job and pays for it. The same role is also called a homeowner, client or business. You do not need to be a registered business.
• Worker means anyone who offers their skills and bids on jobs. The same role is also called an artisan, contractor or service provider.

You choose your role when you sign up.

To use Reliable Menders you must:

• Be at least 18 years old.
• Be located in, or providing services within, Nigeria.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate, current and complete registration information.

We may suspend or close any account that we reasonably believe does not meet these requirements.

Both Employers and Workers must verify their identity before they can transact. Employers verify before posting their first job. Workers verify before they can be matched to jobs or bid on them.

Verification requires:

• Your Bank Verification Number (BVN).
• Your National Identification Number (NIN).
• A selfie taken in the app, matched against your identity records.

You may also verify your address with a recent utility bill. This is optional, and it moves you to a higher verification level with higher wallet limits (see section 9).

Checks are carried out with a specialist identity verification partner, and most are completed automatically. You can ask us to review any result by contacting us. We may decline or withdraw verification where the information does not match or appears to be false.

1. The Employer posts a job with the service needed, a budget, the location and any relevant details.
2. The Employer funds the job, by bank transfer or from their wallet. The money is held by our licensed payment partner and is not paid to anyone until the job is completed or a dispute is decided. The job is only shown to Workers once it is funded.
3. Verified Workers who offer the service near the job are matched to it and can submit bids.
4. The Employer accepts a bid, and the Worker carries out the work. Both sides can message each other in the app.
5. When the Employer is satisfied, they generate a six-digit completion code in the app and give it to the Worker. A code is valid for 24 hours.
6. The Worker enters the code. This completes the job: the accepted bid amount, less our commission (see section 7), is paid into the Worker's wallet, and any funded amount above the accepted bid goes back to the Employer's wallet.

Handing over the completion code confirms you are satisfied with the work and releases the payment. It cannot be reversed. If you are not satisfied, do not share the code. Open a dispute instead (see section 10).

Reliable Menders is an intermediary. We do not employ Workers, and we do not perform the work ourselves.

All payments are in Nigerian Naira (₦) and are processed by our payment partner, which is licensed by the Central Bank of Nigeria. When you pay by bank transfer, the app shows the account number and the exact amount to send. Send it from a bank account in your own name, so it can be matched to you.

An Employer may cancel a job at any time before accepting a bid. Any amount funded for that job is returned to their wallet, and pending bids are declined. A transfer that arrives after a job is cancelled is also returned to the wallet. Once a bid has been accepted, the job can no longer be cancelled; if something goes wrong after that, open a dispute.

• Posting a job: free.
• Commission: deducted from the Worker's payout when a job is completed. It is a single rate on the accepted bid amount, currently 3% (minimum ₦200) for jobs up to ₦100,000, 7.5% for jobs from ₦100,000 to ₦500,000, and 5% for jobs above ₦500,000. VAT at 7.5% is charged on the commission.
• Payment charges: where our payment partner charges for a bank transfer, the charge is shown in the app before you pay and added to the amount you send.
• Dispute fee: ₦5,000 to open a dispute, and ₦5,000 for the other party to respond. See section 10 for when it is returned.
• Withdrawals: we do not charge a fee to withdraw.

We may change our fees. We will tell you in the app at least 14 days before a change takes effect.

Every user has a wallet. Money can arrive in it from a top-up, a completed job, a refund of unspent job funds or a cancelled job, or a dispute decision. An Employer can use their wallet balance to fund jobs.

Any user, Employer or Worker, can withdraw their available wallet balance to a Nigerian bank account in their own name. Each withdrawal is confirmed with a code sent to your email and is reviewed before it is paid. Approved withdrawals are usually paid within 1 to 3 business days.

Your verification level sets how much your wallet can hold. If a payout takes your balance above that limit, the payout is still made in full, but withdrawals and new bids are paused until you verify your address.

We may hold a withdrawal where we suspect fraud, where a dispute is pending, or where these Terms have been broken.

Once a bid has been accepted, either the Employer or the Worker can open a dispute in the app. Opening a dispute costs ₦5,000, and the other party pays the same fee to respond. While a dispute is open, the job's funds stay held.

1. We notify the other party.
2. The other party has 5 days to respond. If they do not, we may decide the dispute on the information we have.
3. Our team reviews the messages, photos and job history, and issues a decision.

The decision says how the held funds are paid out. The party the decision favours gets their dispute fee back; the other party's fee is kept. If the Employer hands over the completion code while a dispute is open, the job completes, the dispute closes and both dispute fees are returned.

Our decision is final as far as the platform is concerned. It does not stop you from pursuing any remedy you have under Nigerian law.

You agree not to:

• Provide false or misleading information during registration or verification.
• Conduct or arrange payment for a job outside the platform to avoid fees.
• Harass, threaten, or discriminate against any other user.
• Use the platform for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to access another user's account or any system you are not authorised to use.
• Post fake reviews or manipulate ratings.
• Engage in any fraudulent, deceptive, unfair, or predatory conduct.
• Take any action that causes or threatens reputational damage to Reliable Menders or our payment partner.
• Use the platform in a way that creates a significant risk of chargebacks, penalties, damages, or other harm or liability to us or any third party.

After a completed job, both parties may leave an honest rating and review. Reviews must be factual and must not contain offensive, defamatory, or discriminatory content. We may remove any review that breaks these rules.

You may not use Reliable Menders in connection with any product, service, transaction, or activity that:

• Falls within the Prohibition List of the Nigerian Customs Administration of the Federal Republic of Nigeria.
• Involves the sale or purchase of banned narcotics, steroids, controlled substances, or products that present a risk to consumer safety.
• Involves blood, bodily fluids, or body parts.
• Involves counterfeit items, recalled items, or stolen property.
• Involves illegal drugs or drug paraphernalia, fireworks, destructive devices, or explosives.
• Involves identity documents, government documents, personal financial records, or personal information in any form.
• Involves lottery tickets, sweepstakes, or slot machines without the required licence.
• Involves offensive material, hate speech, or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime.
• Involves unlicensed financial services, stocks, or other securities; sales of currency without a BDC licence; or cryptocurrency operations.
• Involves obscene material, pornography, or sexually oriented materials or services.
• Involves certain firearms, firearm parts, accessories, ammunition, weapons, or knives.
• Infringes or violates any copyright, trademark, right of publicity or privacy, or any other proprietary right.
• Supports pyramid or Ponzi schemes, matrix programmes, "get rich quick" schemes, or certain multi-level marketing programmes.
• Involves gambling, gaming, or any other activity with an entry fee and a prize (including casino games, sports betting, horse or greyhound racing, or sweepstakes), unless the operator holds all required Nigerian licences and operates exclusively in jurisdictions where such activities are permitted by law.
• Involves the production of military, paramilitary, police, customs, immigration, or prison service wears or accoutrements.
• Is otherwise illegal or is marketed or sold in a way that creates liability for Reliable Menders.

If we reasonably believe that you have violated these Terms, the Prohibited Conduct section, or the Restricted Business Activities section, we may, with or without prior notice, take any of the following actions as we deem appropriate to mitigate risk and ensure compliance:

• Hold the release of one or more payments or withdrawals.
• Place a temporary or permanent hold on funds in your wallet pending investigation.
• Suspend, restrict, or terminate your access to and use of the platform.
• Terminate our business relationship with you, including without liability on our part.
• Report your details and activity to law enforcement, regulatory agencies, financial institutions, or any other relevant third parties.
• Disclose information related to violations to persons who have transacted with you on the platform, where we are legally required or where it is necessary to protect their interests.
• Pursue legal action against you and recover from you any fees, penalties, assessments, or expenses (including reasonable legal costs) we incur as a result of your violations.

These remedies are in addition to, and not in substitution for, any other rights or remedies available to us under applicable Nigerian law.

Workers are independent and are responsible for the work they do. We are responsible for running the platform properly: verifying identities as described, holding and releasing funds as these Terms describe, and handling disputes fairly.

We are liable to you only for loss caused by our own failure, for example funds that were not held, released or refunded as these Terms describe. We are not liable for:

• The quality, safety or outcome of the work, once you have handed over the completion code. Handing over the code confirms you were satisfied.
• A dispute decided without your side because you did not respond within 5 days, or a dispute you did not open or challenge.
• Property damage, injury or loss caused by another user.
• The conduct of any user on or off the platform.

Where we are liable, our total liability for any one job is limited to the amount funded for that job plus any fees you paid us in connection with it. Nothing in these Terms limits any liability that cannot be limited under Nigerian law.

All content, trademarks and intellectual property on the Reliable Menders platform (including the app, website and logo) are owned by or licensed to Reliable Menders. You may not copy, modify, distribute or reproduce any part of the platform without our written permission.

Your personal information is handled as described in our Privacy Policy. We do not sell your personal data.

You can delete your account at any time in the app, under Settings, Delete account, after confirming a code sent to your email. Your wallet must be empty, and you cannot have funded jobs, jobs in progress, pending withdrawals or open disputes. Once deleted, you cannot sign in to that account again, but you may sign up again with the same email address or phone number. We keep the records described in our Privacy Policy.

We may suspend or close an account without notice where we determine these Terms have been broken. When we close an account, any wallet balance that is not subject to a hold or dispute is paid to the user's registered bank account, whether they are an Employer or a Worker.

We may update these Terms from time to time. Where a change is material, we will tell you in the app at least 14 days before it takes effect. Continuing to use the platform after that date means you accept the updated Terms.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disagreement about these Terms that cannot be resolved through our internal dispute process is subject to the jurisdiction of the Nigerian courts.

If you have questions about these Terms, please contact us at:

Electrosoft Pvt Ltd (trading as Reliable Menders)

RC No. 1577591, incorporated in Nigeria

Email: [email protected]