Legal
Terms of Service
Last updated: January 2026. Please read these terms carefully — they govern your use of the Handiwa platform.
1. The service
Handiwa ("we", "us") operates an online marketplace that connects customers with independent, verified service providers ("taskers") for home, auto, personal and tech services in Lagos, Nigeria. We are a marketplace, not an employer: taskers are independent professionals who set their own rates and accept their own jobs.
2. Accounts
You must provide accurate information when creating an account. You are responsible for keeping your login details secure and for all activity under your account. You must be at least 18 years old to use the platform.
3. Bookings & payments
Bookings are made through the platform and confirmed when the customer pays the quoted amount into escrow. The platform releases escrowed funds to the tasker once the customer approves the completed job. Customers must not pay taskers cash outside the platform — such payments are not protected by escrow.
4. Cancellations
Customers may cancel free of charge before the tasker departs for the job. If a tasker has already started travelling or working, a cancellation fee may apply to cover their time. Taskers who repeatedly cancel confirmed jobs may lose access to the platform.
5. Tasker verification & conduct
Taskers must complete identity verification (KYC) and keep their details up to date. Taskers must carry out accepted jobs professionally and in line with the agreed scope. Verified status does not guarantee the quality of any individual job.
6. Reviews
Reviews must be honest and based on a real booking. We may remove reviews that are abusive, fake or otherwise breach these terms.
7. Fees
The platform charges customers no booking fee. Taskers agree to a platform fee, currently 15% of each completed job, deducted before payout. Fees may change with at least 14 days’ notice.
8. Disputes
Disputes about a job must be raised within 48 hours of completion. We review each case on its merits using booking records, messages and evidence provided by both parties, and may hold or refund escrowed funds where appropriate.
9. Prohibited conduct
You agree not to misuse the platform, misrepresent yourself, harass other users, or attempt to circumvent our fees or verification processes. We may suspend accounts that breach these rules.
10. Liability
To the maximum extent permitted by law, Handiwa is not liable for indirect or consequential losses. Our total liability in connection with any booking is limited to the amount paid by the customer for that booking. Nothing in these terms limits liability that cannot be limited under Nigerian law.
11. Changes to these terms
We may update these terms from time to time. Material changes will be announced on the platform at least 14 days before they take effect. Continued use of the platform after changes means you accept the updated terms.
12. Governing law
These terms are governed by the laws of the Federal Republic of Nigeria, and any disputes are subject to the exclusive jurisdiction of the courts of Lagos State.
These terms are sample template text for the Handiwa preview build. A legal professional should review them before launch.