Terms & Conditions

By accessing or using Bine Yapa Zed ("BYZ", "the Platform", "we", "us", "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use the Platform. BYZ is operated by Binexa Solutions, registered in the Republic of Zambia.

BYZ is an online marketplace that connects clients seeking services ("Clients") with verified service providers ("Providers"). The Platform facilitates: job posting and bidding, secure communications, escrow payment processing, identity verification, GPS-tracked job confirmation, and ratings & reviews. We act solely as an intermediary and are not a party to any agreement between Clients and Providers.

To use the Platform, you must register for an account. You agree to: (a) provide accurate, current, and complete registration information; (b) maintain the security of your password and account; (c) promptly update your information; (d) be responsible for all activity under your account; (e) not create multiple accounts or use automated means to create accounts.

All users are required to verify their identity by uploading a valid National Registration Card (NRC) or valid passport and a selfie for facial matching. Verification must be completed before posting jobs or offering services. BYZ reserves the right to reject or suspend accounts where identity cannot be verified to our satisfaction. Uploaded documents are stored securely and used solely for verification purposes.

Providers agree to: (a) maintain accurate service listings with clear pricing; (b) deliver services as described and within agreed timelines; (c) communicate professionally with Clients through Platform channels; (d) not solicit Clients off-platform to avoid fees; (e) maintain appropriate licenses and insurance where required by Zambian law; (f) respond to job requests within reasonable timeframes. BYZ reserves the right to verify provider credentials and conduct background checks.

Clients agree to: (a) provide accurate job descriptions and requirements; (b) pay agreed fees through the Platform's escrow system; (c) communicate respectfully with Providers; (d) not circumvent the Platform to engage Providers directly; (e) release escrow payments promptly upon satisfactory completion of work; (f) raise any disputes through the Platform's dispute resolution process before seeking external remedies.

BYZ charges service fees as follows: Clients pay a booking fee of up to 10% of the job value (capped at K500). Providers pay a service fee of 5% of completed job value. All payments are processed through the Platform's escrow system using Airtel Money and MTN Money. Funds are held in escrow until the job is confirmed complete by both parties or resolved through dispute resolution. Fee structures are subject to change with 30 days' notice.

In the event of a dispute between a Client and Provider, both parties agree to: (a) first attempt resolution through Platform-supported direct communication; (b) if unresolved, submit the dispute to BYZ's mediation team within 7 days; (c) accept BYZ's mediation decision as binding up to K5,000; (d) for disputes exceeding K5,000, pursue resolution through the Zambian Small Claims Court or other lawful means. BYZ reserves the right to escrow funds during dispute resolution.

For jobs requiring on-site service delivery, BYZ uses GPS-based job confirmation. Providers must be physically present at the agreed job location to confirm job start and completion. Falsifying location data is a violation of these terms and may result in account suspension, forfeiture of fees, and legal action.

Ratings and reviews are the subjective opinions of users and do not reflect the views of BYZ. We reserve the right to: remove reviews that violate our content guidelines; investigate suspicious rating patterns; and suspend accounts engaged in review manipulation. Providers may respond to reviews publicly through the Platform.

The BYZ name, logo, and platform design are proprietary to Binexa Solutions. Users may not reproduce, distribute, modify, or create derivative works without express written consent. Content posted by users on the Platform remains their intellectual property, but users grant BYZ a license to display and promote such content within the Platform.

To the maximum extent permitted by Zambian law, BYZ and Binexa Solutions shall not be liable for: (a) any indirect, incidental, or consequential damages; (b) loss of profits, data, or business opportunities; (c) damages arising from interactions between users; (d) service interruptions or platform downtime beyond reasonable maintenance periods. Our total liability is limited to the fees paid by you in the 12 months preceding the claim.

Users agree not to: (a) use the Platform for any illegal purpose; (b) post false, misleading, or fraudulent information; (c) harass, abuse, or harm other users; (d) upload malicious code or attempt to compromise Platform security; (e) scrape, crawl, or collect user data without authorization; (f) impersonate any person or entity; (g) engage in any activity that violates Zambian laws or regulations.

BYZ may suspend or terminate accounts at our discretion for violations of these terms, illegal activity, or conduct that harms the Platform or its community. Users may terminate their accounts at any time by contacting support. Upon termination, you remain liable for any outstanding fees or obligations incurred before termination.

We reserve the right to modify these terms at any time. Material changes will be communicated via email and Platform notification at least 14 days before taking effect. Continued use of the Platform after changes constitute acceptance of the modified terms.

These Terms & Conditions are governed by the laws of the Republic of Zambia. Any disputes not resolved through mediation shall be subject to the exclusive jurisdiction of the courts of Lusaka, Zambia.

For questions, concerns, or legal notices, contact us at: Binexa Solutions Lusaka, Zambia Email: legal@bineyapazed.com Phone: +260 XXX XXX XXX These Terms & Conditions were last updated on 14 June 2026.