Smart Fundi Terms of Service

Terms of Service & User Agreement · Version 2.0 · Effective 17 October 2026
Operated by Barah Technologies Limited (Certificate of Incorporation No. 210803092)

These Terms govern your use of the Smart Fundi mobile application and form a binding agreement between you and Barah Technologies Limited, which operates Smart Fundi.

1. Acceptance of Terms
2. Definitions
3. Description of Service
4. Eligibility
5. Accounts and Verification
6. User Roles and Responsibilities
7. Subscriptions, Fees and Payments
8. Cancellations and Refunds
9. Content, Portfolio and Reviews
10. Prohibited Conduct
11. Independent Contractor Relationship
12. Disclaimers and Limitation of Liability
13. Data Privacy
14. Intellectual Property
15. Closing Your Account, Suspension and Termination
16. Dispute Resolution and Governing Law
17. Changes to These Terms
18. Contact Information

1. Acceptance of Terms

By creating an account or otherwise using the Smart Fundi mobile application ("the App", "Smart Fundi", "we", "us"), you ("you", "the user") agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must not use the App.

If you use the App on behalf of a business (for example, as a Shop Owner or Super Agent), you confirm that you have the authority to bind that business to these Terms.

2. Definitions

• "Customer" means a user who searches for, contacts and requests services or products from a Fundi, Shop or Super Agent through the App.
• "Fundi" means an independent tradesperson who registers on the App to offer handyman or artisan services to Customers.
• "Shop Owner" means a user who registers a retail or hardware business on the App.
• "Super Agent (Wakala Mkuu)" means a user who registers as a bulk material supplier on the App.
• "Provider" means a Fundi, Shop Owner or Super Agent.
• "Content" means any text, images, documents, ratings, reviews or other material submitted by a user through the App.

3. Description of Service

Smart Fundi is a digital marketplace that connects Customers with independent Fundis, Shops and Super Agents in Tanzania. The App helps users discover each other, send and receive job requests, communicate, and leave reviews. Smart Fundi does not itself provide handyman, retail or supply services.

Payment for the services or goods a Provider supplies to a Customer is arranged directly between them. The only payments made through the App are Provider subscriptions and event listing fees (section 7).

4. Eligibility

You must be at least 18 years old to create an account on Smart Fundi. By registering, you confirm that you meet this requirement and that all information you provide is accurate and current.

5. Accounts and Verification

To use most features, you must register an account and choose a role (Customer, Fundi, Shop Owner or Super Agent). Your role is chosen once at registration; if you chose the wrong role, contact support. Depending on your role, you may be asked to submit identification or business verification documents (such as a business licence) for review.

You are responsible for keeping your account credentials confidential and for all activity under your account. Tell us promptly at [email protected] if you suspect unauthorised use of your account.

We may reject, suspend or revoke verification or account access where submitted documents are incomplete, inaccurate or fraudulent.

6. User Roles and Responsibilities

6.1 Customers

Customers are responsible for accurately describing the work or products they need, for agreeing prices and payment directly with the Provider, and for communicating respectfully with Fundis, Shops and Super Agents.

6.2 Fundis

Fundis are responsible for the accuracy of their profile, portfolio, certificates and pricing, and for the quality, safety and legality of the services they provide. Fundis operate as independent contractors and are not employees, agents or partners of Smart Fundi (see section 11).

6.3 Shop Owners and Super Agents

Shop Owners and Super Agents are responsible for the accuracy of their business information and of the products or materials they list, and for complying with all Tanzanian laws that apply to their trade.

7. Subscriptions, Fees and Payments

Free trial. New Fundis, Shop Owners and Super Agents receive a free trial of 60 days from registration. No payment is taken during the trial.

Subscriptions. After the trial, an active subscription is needed to receive job requests and appear as active. Current monthly prices are shown in the App before you pay:

Each payment adds 30 days to your subscription. If you pay while a subscription or trial is still active, the 30 days are added to the time you have left. Subscriptions do not renew automatically, and we never charge you without a payment you start yourself. Customer accounts are free.

Event listing fee. Publishing an event costs TZS 30,000, paid when the event is submitted for publishing.

How payments work. Payments are processed by our payment partner, Selcom, through a mobile money prompt (USSD) sent to the phone number registered on your account. Supported networks include M-Pesa, Tigo Pesa, Airtel Money and HaloPesa. By starting a payment, you authorise us to instruct Selcom to process it. Your subscription or event is activated once Selcom confirms the payment.

Payment consent. Before each payment, you give separate, explicit consent to our processing of your financial transaction data, as described in our Privacy Policy. This data is sensitive personal data under Tanzanian law, so this consent is distinct from your acceptance of these Terms.

Prices may change from time to time. Any change will be shown in the App before you pay, and will not affect time you have already paid for.

8. Cancellations and Refunds

Subscription fees are paid in advance and are non-refundable, including where you stop using the App, close your account part-way through a paid period, or do not use the paid features during that period.

Event listing fees and other one-off charges are refundable only where the event is cancelled by Smart Fundi, or where the charge resulted from a verified platform error (for example, a duplicate payment or an incorrect amount charged).

Approved refunds are paid to the mobile money account used for the payment within 20 business days. To request a refund, contact [email protected] with your payment details.

9. Content, Portfolio and Reviews

You keep ownership of the photos, descriptions, certificates and other Content you upload. You grant Barah Technologies Limited a non-exclusive, royalty-free licence to store and display that Content in the App and on your public profile, for the purpose of operating the marketplace. This licence ends when the Content is deleted, subject to the retention periods in our Privacy Policy.

Profile information, portfolio photos and certificates you upload are shown publicly on your profile. Do not upload documents showing your national ID number or other identity numbers as certificates.

Customers may rate and review Providers after a job. Reviews must be honest and based on genuine experience. We may remove reviews or other Content that is fraudulent, abusive, defamatory or otherwise in breach of these Terms.

10. Prohibited Conduct

You must not:

• provide false, misleading or fraudulent information during registration or verification;
• use the App for any unlawful purpose, or for anything other than legitimate handyman, retail or supply services;
• harass, threaten or discriminate against other users;
• share or transfer accounts, or otherwise try to avoid subscription or event fees;
• try to gain unauthorised access to the App, its systems, or other users' accounts;
• post Content that infringes the intellectual property or privacy rights of others.

Breaking these rules may lead to suspension or termination of your account.

11. Independent Contractor Relationship

Fundis, Shop Owners and Super Agents are independent third parties, not employees, agents, partners or representatives of Smart Fundi. Smart Fundi does not control the manner, quality or outcome of the services or products they provide, and is not a party to the agreement between a Customer and a Provider, including the price and payment for the work or goods.

12. Disclaimers and Limitation of Liability

The App is provided on an "as is" and "as available" basis. Smart Fundi does not guarantee the availability, accuracy, quality, safety or legality of services or products offered by Providers, and does not guarantee that the App will be uninterrupted or error-free.

To the maximum extent permitted by Tanzanian law, Smart Fundi is not liable for any indirect, incidental or consequential damages arising from your use of the App, or from any transaction, dispute or interaction between users. Smart Fundi's total liability for any claim arising from these Terms shall not exceed the total subscription and event fees you paid to Smart Fundi in the two months before the claim.

13. Data Privacy

Our collection, use and protection of your personal data is described in our Privacy Policy, prepared in accordance with the Personal Data Protection Act, Cap. 44. The Privacy Policy forms part of these Terms.

14. Intellectual Property

The Smart Fundi name, logo, App design and underlying software are the property of Barah Technologies Limited and may not be copied, reproduced or used without prior written permission.

15. Closing Your Account, Suspension and Termination

You may delete your account at any time in the App (Profile → Account settings → Delete Account) or by emailing [email protected]. Your account is closed immediately and your profile is removed from the App. Some data is kept for limited periods and then deleted, as described in our Privacy Policy and on our account deletion page. Closing your account does not entitle you to a refund of fees already paid (section 8).

We may suspend or terminate your access, with or without notice, if you breach these Terms, provide fraudulent information, or act in a way that harms other users or the platform.

16. Dispute Resolution and Governing Law

These Terms are governed by the laws of the United Republic of Tanzania. Any dispute arising from these Terms or your use of the App should first be raised with our support team. If it is not resolved, it shall be subject to the exclusive jurisdiction of the courts of Tanzania.

Disputes about the processing of personal data may also be submitted to the Personal Data Protection Commission under the Personal Data Protection (Complaints Settlement Procedures) Regulations, 2023.

17. Changes to These Terms

We may update these Terms from time to time. We will post the new version here with a new effective date and notify you of material changes in the App. Continuing to use the App after the changes take effect means you accept the updated Terms.

18. Contact Information