Contents
Creator Terms of Service
Version 1.0 · Effective 2026-06-15 · Last reviewed 2026-05-01
These Terms govern your participation in Jiji Partners, the affiliate / influencer programme operated by Jiji Africa Holdings Ltd and its market subsidiaries (collectively, “Jiji”, “we”, “us”). By creating an account or clicking “I accept” at sign-up, you ( “you”, “Creator”) agree to these Terms. If you do not agree, do not create an account.
§1 Eligibility
You must:
- Be 18 years of age or older (in markets with a higher contractual age, the local minimum applies — e.g., Bangladesh: 18 by national-ID standard).
- Have a valid government-issued ID matching your account name (national ID, passport, or driver’s licence — see §4 KYC).
- Reside in or have a verifiable bank/mobile-money account in a supported market (KE, NG, GH, UG, TZ, ET, BD as of v1.0).
- Not be on any sanctions list (OFAC, EU, UN, applicable local lists).
- Not be a current Jiji employee, contractor, or immediate family of one (anti-self-dealing).
We may decline any application or terminate any account that fails eligibility, with reasons summarised on request.
§2 The relationship
You join Jiji Partners as an independent contractor, not an employee, agent, partner, or joint-venturer. You have no authority to bind Jiji or hold yourself out as Jiji’s representative beyond the use of approved Jiji Partners assets.
You do not receive:
- Salary, benefits, leave, or other employment entitlements.
- Tax withholding (you are responsible for your own taxes on commissions paid — §6.4).
- Fixed working hours, productivity targets, or directed work assignments.
We provide:
- A platform to share Jiji Marketplace product cards and earn commissions on resulting orders.
- Brand assets and content templates (subject to §8).
- Technical support, fraud protection, and dispute resolution per these Terms.
§3 Account and security
3.1. You provide accurate, current, complete information at sign-up and keep it updated.
3.2. You are responsible for safeguarding your credentials (password, OTP devices, OAuth tokens). Do not share account access. Notify us immediately of any unauthorised access.
3.3. You may have only one active account per natural person. Multi-accounting is grounds for termination and forfeiture of pending commissions.
3.4. Account inactivity ≥ 12 months may result in dormancy (read-only access, no new commissions); ≥ 24 months may result in archival per data-retention policy.
§4 KYC, identity, sanctions screening
4.1. Before your first payout (or earlier for high-risk markets — see §6.6), you must complete Know Your Customer verification: government-ID upload, selfie liveness check, address proof where required, and consent to sanctions screening.
4.2. We process this data per the Privacy Policy (separate document), retain it for the period required by applicable AML/KYC law (typically 5–7 years from account closure), and may share it with KYC vendors and regulators per the Privacy Policy and DPA (separate document).
4.3. Re-verification may be required:
- On regulatory request.
- After unusual activity (sudden jump in commissions, payment-method change, IP-jurisdiction change).
- Per a fixed cadence (every 24–36 months).
4.4. Failure or refusal to complete KYC → suspension of payouts. Pending commissions remain credited until verification completes; if verification fails permanently, commissions are forfeited per §10.5.
§5 Content, links, and disclosures
5.1. Approved channels. You may share Jiji affiliate links on:
- Your own social-media accounts (Instagram, TikTok, X, WhatsApp, Telegram, YouTube, Facebook).
- Personal blogs, websites, podcasts where you are the primary content author.
- DMs to your audience members (no spam — see §5.5).
5.2. Disclosure obligation. When posting an affiliate link, you must include a disclosure that you may earn a commission from purchases. Use the per-market disclosure templates (FTC-aligned, e.g., “#JijiPartner” or local equivalent). Failure to disclose breaches FTC, ASA-UK, KECA, NDPC, FCCPC, and similar consumer-protection frameworks; we may suspend you.
5.3. Prohibited content. Do not post:
- False or misleading claims about Jiji products or sellers.
- Links on platforms that violate Jiji’s content policy (gambling, adult-content, unlicensed-pharmaceutical, or illegal-content sites).
- Content targeting minors (under 18).
- Spam, mass DMs to non-consenting recipients, comment-spam on third-party content.
- Copyrighted material you do not own or do not have a licence for.
- Bid-stuffing on paid-search trademarks (“Jiji” + competitor names).
5.4. Brand assets. You may use the Jiji logo, product images, and templates we provide. You may not modify the logo, claim Jiji-employee status, or imply official endorsement beyond participation in Jiji Partners.
5.5. No spam. Use of contact lists you do not own, mass-DM tools, or scraped audiences is grounds for termination. We use behavioural-fraud detection (engagement velocity, conversion patterns) to flag suspect accounts.
§6 Commissions and payouts
6.1. Earning event. A commission accrues when an order placed through your tracked link reaches paid status in Jiji Marketplace. The order’s category, price, and tier-rate at the time the buyer clicked your link determine the commission per the engineering specification.
6.2. Holdback (pending) period. Each market has a holdback window (7–30 days, per category) during which a commission is “pending” — the buyer’s right to refund or dispute is open. After holdback expiry, the commission moves to “available” balance.
6.3. Reversals. A commission is reversed (clawed back) if the underlying order is refunded, cancelled, or charged back during or after holdback. The reversal debits your balance. If your available balance is insufficient, the difference is deferred against future commissions until satisfied (no negative-balance liability beyond zero — see §10.4).
6.4. Tax responsibility. Commissions are paid gross; you are responsible for your own taxes (income tax, VAT/GST where applicable). We may issue per-market tax forms (e.g., Kenyan iTax-compatible statements) on request. We do not withhold unless legally required (currently: only Bangladesh requires AIT withholding on resident creators per the Income Tax Ordinance — see §12.7).
6.5. Payout request. You request a payout from your available balance to a verified bank or mobile-money account. Minimum payout, supported rails per market, and processing windows are listed in the in-app payout panel (default minimum: KES 500, NGN 10,000, GHS 50, equivalent in others; processing 1–3 business days).
6.6. Suspension triggers. Payouts may be suspended pending review on:
- Fraud-detection alerts (velocity, geo anomaly, pattern matches with abusive accounts).
- KYC re-verification (§4.3).
- Regulatory hold (court order, AML escalation).
- Self-dealing patterns (orders attributed to you that originate from accounts you control).
We aim to resolve suspensions within 14 days; longer holds are exceptional and explained.
§7 Intellectual property
7.1. Your content. You retain ownership of content you create (videos, photos, captions). By using Jiji Partners, you grant Jiji a non-exclusive, royalty-free, worldwide licence to display your content only when you have voluntarily submitted it for promotion (e.g., uploaded to your “My Stash” or tagged with #JijiPartner for repost consideration). The licence ends when you remove the content from your account or terminate.
7.2. Jiji content. Jiji’s logos, product images, and brand assets are owned by Jiji or its licensors. Your right to use them is the limited licence in §5.4 — non-transferable, revocable on breach.
7.3. Feedback. Suggestions, feature requests, and bug reports you send us are non-confidential unless we agree otherwise in writing. We may incorporate them without obligation.
§8 Privacy and data
Your data is processed per the Privacy Policy (separate document). Key points:
- We collect: account info, KYC documents, payout-method handles, click/attribution events, support-conversation history, device/IP for fraud detection.
- We share with: payout-rail providers (M-Pesa, Paystack, MoMo, Telebirr, bKash, Nagad), KYC vendors (Smile Identity, IDology, equivalents per market), and regulators on legal demand.
- We retain per applicable law (typically 5–7 years post-closure for financial records).
- You have the rights granted by your market’s data-protection law (access, rectification, erasure where applicable, portability — see Privacy Policy).
§9 Suspension and termination
9.1. By you. You may close your account at any time via the in-app settings; available balance is paid out per §6 within 30 days, subject to KYC and fraud-review completion.
9.2. By us. We may suspend or terminate your account for:
- Breach of these Terms (§§3, 5, 6) — immediate.
- Fraudulent activity — immediate, with forfeiture of pending balance per §10.5.
- Regulatory or sanctions trigger — immediate, with cooperation in any subsequent investigation.
- Account inactivity — per §3.4.
- Discontinuation of the programme — 60-day notice, with full payout of available + pending commissions.
9.3. On termination. We provide an exportable record of your final commissions, payouts, and KYC status. You may request data deletion subject to retention obligations (§8).
§10 Disputes
10.1. Initial resolution. Contact creator-support@jiji.partners; we aim for first response within 2 business days.
10.2. Escalation. If unresolved, the dispute escalates to the per-market Compliance Officer (named in the Privacy Policy).
10.3. Forum. Disputes are governed by the law of the per-market subsidiary that signed up your account (e.g., Kenyan creators → Jiji KE Ltd, Kenyan law, Nairobi courts unless arbitration is elected per §10.6).
10.4. No negative balance. You are not liable for commissions reversed below zero where the reversal-driving order originated outside your control (e.g., the buyer charged-back after refund). Documented self-dealing or fraud is exempt from this protection.
10.5. Forfeiture. Confirmed fraud or material breach (§§5, 6) results in forfeiture of pending and available commissions, without prejudice to our other remedies.
10.6. Arbitration option. Either party may elect binding arbitration for disputes ≥ USD 10,000 in disputed value, under the rules of the relevant market’s chamber of commerce (KCAB-Nairobi, RCICAL-Lagos, etc.). Arbitration is one-on-one; no class actions.
10.7. Class-action waiver. Outside arbitration, you waive any right to participate in a class action against Jiji related to the programme. Where this waiver is unenforceable under local consumer-protection law (e.g., Kenya: Consumer Protection Act §60–66 partially restricts waivers), the waiver is severed and the rest of these Terms continue in force.
§11 Changes to these Terms
11.1. Material changes (commission-rate changes ≥ 1 percentage point, holdback-window changes, payout-method discontinuations, jurisdiction expansions): 30 days’ notice by email + in-app banner.
11.2. Non-material changes (bug fixes, clarifications, contact-info updates): notice on next login.
11.3. Continued use after the effective date constitutes acceptance. If you do not accept, you may close your account per §9.1.
§12 Per-market addenda
The following addenda apply to creators registered in the named market and override these Terms where conflicting.
§12.1 Kenya (KE)
- Governing law: Republic of Kenya.
- Forum: Nairobi courts; arbitration under KCAB rules (English).
- Tax: KES-denominated commissions; 5% withholding tax may apply if you have not provided your KRA PIN.
- Consumer Protection Act §60–66: class-action waivers limited; the Act prevails to the extent of conflict.
§12.2 Nigeria (NG)
- Governing law: Federal Republic of Nigeria.
- Forum: Lagos courts; arbitration under LCA rules (English).
- Tax: NGN-denominated commissions; resident creators are responsible for personal-income-tax filing per FIRS.
- FCCPC may exercise jurisdiction over consumer-facing terms; we apply FCCPC’s Order on Online and Marketplace Platforms.
§12.3 Ghana (GH)
- Governing law: Republic of Ghana.
- Forum: Accra courts; arbitration under ADRC-Ghana rules (English).
- Tax: GHS-denominated; per Ghana Revenue Authority filing.
§12.4 Uganda (UG)
- Governing law: Republic of Uganda.
- Forum: Kampala courts; arbitration under CADER rules.
- Tax: UGX-denominated; URA filing.
§12.5 Tanzania (TZ)
- Governing law: United Republic of Tanzania.
- Forum: Dar es Salaam courts; arbitration under TIArb rules.
- Tax: TZS-denominated; TRA filing.
§12.6 Ethiopia (ET)
- Governing law: Federal Democratic Republic of Ethiopia.
- Forum: Addis Ababa courts; arbitration under EACC rules.
- Tax: ETB-denominated; ERCA filing. Note: cross-border foreign-currency settlement subject to NBE directives; payouts may be domestic ETB only until forex-licensing changes.
- KYC: National ID Card (Fayda) required where issued; foreign passport accepted as fallback.
§12.7 Bangladesh (BD)
- Governing law: People’s Republic of Bangladesh.
- Forum: Dhaka courts; arbitration under BIArb rules.
- Tax: BDT-denominated; AIT (Advance Income Tax) of 10% withheld at source for resident creators per Income Tax Ordinance 1984 §52U; NBR forms issued annually.
- KYC: NID required; passport accepted; biometric verification per Bangladesh Bank circulars.