Terms of Service

Ajankara is a proximity-based marketplace connecting buyers to nearby shops and service providers — covering both physical goods and services — operating across Nigeria. Ajankara operates the platform; it does not itself sell the goods or perform the services listed by sellers, unless explicitly stated otherwise.

Who we are. Ajankara, including its website, its mobile app and its name and logo, is owned and operated by SmartViews Limited, a registered company. In these terms, “Ajankara”, “we”, “us” and “our” mean SmartViews Limited.

You must provide accurate information when creating an account and keep your login credentials secure. You're responsible for activity that happens under your account. Ajankara is intended for users old enough to enter into binding agreements under Nigerian law, and in any case for people aged 18 or over. Tell us straight away if you think someone else has used your account.

If you add an optional emergency contact from your Account page, you confirm you have that person's permission to share their name and phone number with us for the limited purposes described in our Privacy Policy.

Sellers must complete identity verification (KYC) before their shop is publicly listed. Ajankara reviews KYC submissions and may approve, reject, or request more information at its discretion. Sellers are responsible for the accuracy of their listings, the quality of goods and services provided, and compliance with applicable Nigerian consumer and trade law.

Depending on the seller's plan, listings, ad placements, and cross-selling features may carry subscription fees or commission — shown to sellers before they're charged. Commission also applies to orders a buyer pays for on delivery (section 6).

On an order paid for in the app, the seller's commission is taken out of the seller's share of the payment. The buyer pays a separate platform fee on top of the price (section 4), so Ajankara is paid by both sides of an order paid in the app.

For an escrow-protected order, the seller must mark the order as sent within 7 days of the buyer's payment. An order that is not sent in time is cancelled and refunded to the buyer, and its stock is put back. Payment for an order is released to the seller only as set out in section 5.

Some listings support in-app checkout with escrow: your payment is held until you confirm the order was received as described, or until it is released or refunded as set out in section 5. Other listings are “contact to arrange” — you agree price, delivery, or service details directly with the seller outside of Ajankara's payment flow. Ajankara's escrow protection only applies to the former.

Platform fee. When you pay in the app, Ajankara adds a platform fee to the price of your order. It is shown in your cart and again before you pay, and it is part of the total you are charged. It is separate from the commission the seller pays Ajankara on the same order. Nothing is added when you pay on delivery.

A seller may also offer pay on delivery: you reserve the item in the app and pay the seller in person once you have seen it. That is covered in section 6, and escrow does not apply to it.

In-app payments are processed by Paystack. Ajankara does not store your raw card details. Ajankara is not a bank or a deposit-taking institution, and holding a payment in escrow does not make the money a deposit or earn interest for you.

This section applies only to escrow-protected orders paid for in the app, not to “contact to arrange” listings or to hails (see section 7). While an order is in escrow, Ajankara holds the buyer's payment, and it leaves escrow only in the ways below.

• The seller must send the order. The seller has 7 days from the buyer's payment to mark the order as sent. About 48 hours before those 7 days end, the seller is reminded. If the order has not been marked as sent in time, it is cancelled automatically and the payment is refunded to the buyer. Until it is sent, the buyer or the seller can also cancel it, and the payment is refunded.
• The buyer has 72 hours to confirm or dispute. The 72 hours start when the seller marks the order as sent, not when it was paid for. If an estimated delivery date was given, they start from that date instead, but never more than 14 days after the order was sent.
• Automatic release. If the buyer neither confirms the order nor raises a dispute within those 72 hours, the payment is released to the seller automatically. The buyer is notified about 24 hours before this happens.
• Confirming. A buyer can confirm that an order arrived as described at any time, which releases the payment to the seller sooner.
• Disputes. A dispute raised before the payment is released freezes it until an Ajankara admin decides whether to refund the buyer or release the payment to the seller. See Dispute Resolution.
• Refunds. When a payment is refunded, Ajankara processes the refund back to the buyer. How long it takes to arrive depends on Paystack and the buyer's bank.

Some sellers also offer pay on delivery. The buyer reserves the item in the app, looks at it, and pays the seller in person, in cash or by transfer. Ajankara does not take, hold, or refund that payment, so section 5 (escrow) does not apply to these orders. The app only keeps the record.

• You pay only after you have seen the item. Nothing is charged in the app when you reserve. You pay the listed price and nothing on top. Because you pay only after checking what you are buying, there is no escrow on these orders. Pay on delivery works with one shop at a time, and discount codes only work when you pay in the app.
• The seller records the payment. When you have paid, the seller marks “Payment received” on the order and you are asked to confirm it. If you did not pay, or the amount is wrong, raise a problem on the order within 72 hours. An Ajankara admin reviews it and decides whether the seller's record stands. If you do nothing within 72 hours, the seller's record stands and the order is completed. You are warned about 24 hours before that happens.
• If you do not take the item. Before a payment is recorded, the seller can close the order, or either of you can cancel it. Nothing is charged and the item goes back on the shelf. An order that nobody closes within 7 days is cancelled automatically, and both of you are reminded about 48 hours before.
• Commission. Ajankara's commission applies to a completed pay-on-delivery order like any other. The seller owes it, and it is taken from what they would otherwise be paid out in the app. A seller can also pay it down directly, at any time, by card or bank transfer, and is reminded to. A seller who owes too much cannot take new pay-on-delivery orders until it is paid down.
• Ajankara sets the rules for it. Ajankara decides the commission rate on pay-on-delivery orders (which can differ from the seller's plan rate), how many completed orders a seller needs first, and the most a seller may owe, which depends on the currency. It can also switch pay on delivery off for everyone, or for one seller. A change applies to new orders; an order already open is finished under the rules it was placed with.
• Who can offer it. A seller chooses to offer it, and only after completing several orders paid in the app. Ajankara may switch it off for a seller who often closes orders without payment or who otherwise misuses it.
• Ajankara is not a party to the sale. Price, condition, and anything agreed in person are between the buyer and the seller. See Dispute Resolution for how a disputed payment record is reviewed.

A “hail” asks a shop whether it can have an item ready for pickup right now. Hails are not part of escrow and are not paid for in the app.

• You pay the shop in person. If a shop accepts a hail, the buyer pays the shop directly when they collect the item. Ajankara does not take, hold, or refund any payment for a hail and is not a party to that sale, so price and details are between the buyer and the shop.
• Time limits. A shop has 5 minutes to respond to a hail, after which it expires. The buyer can cancel a hail until the shop responds. An accepted hail that hasn't been collected within 24 hours closes automatically. Either the buyer or the shop can mark an accepted hail as picked up.
• What we keep. A hail that was declined, expired, or cancelled is deleted 30 days after it ended, together with the location the buyer sent with it and the notifications and share links that point to it. A completed hail is kept as a record of the pickup.
• Earlier payments. For a short time a hail could be paid for through the app. If you paid for a hail that way, contact us at support@ajankara.com and we will resolve it with you.

Reviews should reflect a genuine transaction and your honest experience. Sellers may publicly reply to reviews on their shop. Ajankara may remove reviews or listings that are fraudulent, abusive, or otherwise violate these terms, and may suspend accounts that repeatedly do so.

If an order doesn't match what was agreed, buyers can raise a dispute against that order, any time before its payment is released (see section 5). See our Dispute Resolution page for how that process works. For a pay-on-delivery order, the buyer can dispute the seller's record that they paid, as set out in section 6.

Ajankara facilitates connections between buyers and sellers but is not a party to the underlying sale of goods or provision of services (outside of escrow-protected transactions Ajankara itself processes). To the extent permitted by law, SmartViews Limited isn't liable for the acts or omissions of individual sellers or buyers.

To the extent the law allows, SmartViews Limited is not liable for any indirect or consequential loss, or for lost profits, lost sales, lost data or damage to reputation, arising from your use of Ajankara. Where SmartViews Limited is found liable to you despite these terms, its total liability for all claims connected with Ajankara is limited to the fees you paid to Ajankara in the 12 months before the claim arose.

Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud, for death or personal injury caused by negligence, or any right you have as a consumer that the law does not allow to be waived.

We may update these terms as the product changes, and will update the date at the top of this page when we do. We may suspend or terminate accounts that violate these terms or applicable law.

Changed on 4 October 2026: section 5 now says that the 72 hours to confirm or dispute an order start when the seller marks it as sent (they used to count from payment), and that an order the seller doesn't send within 7 days is cancelled and refunded. Section 6 is new: pay on delivery, where the buyer pays the seller in person and the seller records it in the app. Section 7 is new too: hails are paid for in person, not in the app, and dead hails are deleted after 30 days.

Changed on 5 October 2026: sections 3 and 4 now say plainly that a buyer who pays in the app pays a platform fee on top of the price, separate from the seller's commission. The fee was already charged and shown before payment; it was not spelled out here until now.

Changed on 15 October 2026: these terms now name SmartViews Limited as the owner and operator of Ajankara, and sections 12 to 17 are new: acceptable use, disclaimers, your responsibility for claims you cause, ownership of content, governing law, and general terms.

Also changed on 15 October 2026: section 18 is new: meeting points, where a buyer and a seller agree one place and time for an in-person handover, and a private link they can give to someone they trust. Contact is now section 19.

You agree not to use Ajankara to:

• break any law, or help anyone else to;
• list or sell anything illegal, counterfeit, stolen, unsafe or otherwise prohibited, or anything you have no right to sell;
• mislead other users, post fake reviews, impersonate a person or a business, or take payment for something you do not intend to deliver;
• harass, threaten or discriminate against anyone, or upload content that is abusive, sexually explicit or violates someone's rights;
• take payments or arrange sales outside Ajankara in order to avoid fees that apply to orders made through Ajankara;
• scrape, copy or overload Ajankara, interfere with its security, or try to get into accounts or systems that are not yours.

SmartViews Limited may remove content, hold or refuse a payout where it reasonably suspects fraud or illegality, suspend or close an account, and report suspected crime to the police or another authority, with or without notice where the law or the seriousness of the matter requires it.

Ajankara is provided “as is” and “as available”. To the extent the law allows, SmartViews Limited gives no promise that Ajankara will be uninterrupted, error-free or free of harmful code, or that any listing, price, distance, delivery estimate or shop opening time shown is complete or accurate. Listings, photos, reviews and messages are created by users, and SmartViews Limited does not check all of them before they appear.

Sellers, not SmartViews Limited, are responsible for the goods and services they offer, including their quality, safety, legality and delivery. SmartViews Limited does not guarantee that a seller is trustworthy because they have completed verification. Verification is one check, not an endorsement. Meet sellers in safe, public places and take care when paying or handing over goods outside the app.

Payments, maps, messaging and other parts of Ajankara rely on services run by other companies, such as Paystack and map and messaging providers. SmartViews Limited is not responsible for their failures, delays or their own terms.

You agree to compensate SmartViews Limited, its directors and its staff for losses, costs and claims, including reasonable legal fees, brought by someone else because of content you posted, goods or services you sold, your breach of these terms, or your breach of the law or of another person's rights. We will tell you about a claim promptly and let you help to deal with it where that is practical.

Ajankara, including its name, logo, design, software and the content we create, belongs to SmartViews Limited or its licensors. These terms give you the right to use Ajankara as intended and no other right in it.

You keep the rights in what you post (listings, photos, reels, reviews, messages). You give SmartViews Limited a free, non-exclusive licence to host, store, display, resize, reproduce and distribute it on and for Ajankara, including in search results, previews and advertising of your own shop, for as long as it stays on Ajankara and for a short time afterwards while it is removed from our systems and backups. You confirm that you have the right to post it and that it does not infringe anyone's rights. If you think something on Ajankara infringes your rights, tell us at support@ajankara.com with enough detail for us to find it.

These terms, and any dispute about them or about Ajankara, are governed by the laws of the Federal Republic of Nigeria. If you have a complaint about SmartViews Limited or Ajankara, please write to us first at support@ajankara.com so we can try to settle it informally. If we cannot, the courts of Nigeria have jurisdiction, and nothing here removes any right you have to complain to a regulator or consumer-protection authority. Disputes between a buyer and a seller about an order are handled under section 9.

• The whole agreement. These terms, together with the Privacy Policy and the pages they refer to, are the whole agreement between you and SmartViews Limited about Ajankara.
• If part is unenforceable. If a court finds part of these terms unenforceable, the rest stays in force.
• No waiver. If we do not enforce a right straight away, we have not given it up.
• Transfer. You may not transfer your account or your rights under these terms. SmartViews Limited may transfer them to a company that takes over Ajankara.
• Events outside our control. SmartViews Limited is not liable for a failure or delay caused by something outside its reasonable control, such as a power or network outage, a payment provider failure, a natural disaster, a strike or an act of government.
• Notices. We may give you notice by email, in the app or on the website.

For an order where a buyer and a seller meet in person, they can agree one place and one time window in the order, called a meeting point. It is an aid, not a guarantee of anyone's safety.

• Both must agree. A meeting point counts only when the buyer and the seller have both accepted it. Changing it asks for both to accept again. A seller may be asked to agree one before recording a pay-on-delivery payment, when Ajankara has switched that on.
• It is not live location. Ajankara does not follow anyone. The meeting point is the place and time you chose, plus the check-ins you tap yourself.
• Someone you trust. You can make a private link and send it to a person you trust, from your own phone. It shows only the place, the time and whether you have checked in, and it stops working a few hours after the meeting or when you stop sharing. Ajankara does not send it for you, and you are responsible for who you give it to.
• “I do not feel safe”. This tells Ajankara only. The other person is not told. Ajankara may hold the order's money and look at the order until it has checked. Ajankara is not an emergency service and does not promise to respond within a set time: if you are in danger, call the police first.
• Your choices stay yours. You decide whether to meet, where to meet and whether to hand over or accept anything. Choosing a private address is riskier than a public place. SmartViews Limited is not responsible for what happens at a meeting, as set out in sections 10 and 13.
• What we keep. A meeting point, its check-ins and its links are deleted 30 days after the order is closed, unless a safety concern about it is still being looked into.

Ajankara is owned and operated by SmartViews Limited. Questions about these terms can be sent to support@ajankara.com.