Cedijob Payment Policy

Effective August 7 2022

The following terms (these “Payment Terms”) govern payments you make or receive through www.cedijob.com (the “Site”), operated by Cedijob HR. (52 Castle Road, Adabraka, Ghana).

Cedijob HR processes card payments from Ghana through Paystack. Cedijob HR Limited and its subsidiaries, Cedijob, are collectively referred hereto as “Cedijob” “we” or “us”.

Please read these Payment Terms carefully before making or receiving payments through the Site. By making or receiving payments through the Site, you accept and agree, on behalf of yourself or on behalf of your employer or any other entity (if applicable), to be bound and abide by these Payment Terms. These Terms are supplemental to Cedijob’s General Global Terms of Service, as applicable (“Terms of Service”).

Key Terms

Capitalized terms used but not defined herein shall have the respective meanings given to them in the Terms of Service.

Cedijob Balance is the aggregated amount of your Revenue as a Seller and/or returned payments from cancelled orders as a Buyer and/or your Cedijob Business Balance (as defined in the Cedijob Business Terms of Service).

Payment Services Provider(s) are service providers that provide payment services to Buyers and Sellers in connection with the Cedijob platform, including with respect to collection of funds from Buyers in connection with purchases, remittance and withdrawal of funds to Sellers, currency exchange services in connection with payments and withdrawals in local currencies, and the holding of funds in connection with Cedijob Balances.

Earning is the money that Sellers earn from completed orders and can either withdraw or use to purchase on Cedijob, subject to these Terms.

Job/Project is a detailed description of a special task a client uses to hire professionals through submission of applications by independent freelance professionals or direct hiring.

Order is the purchase made by clients for a freelance service or gig you have listed for sale. With orders, freelancer create their service as a product in packages and attach fixed prices to them.

JOBS/PROJECTS

Receiving Payments

• Invoices are created and sent to clients anytime a worker wants to request for money.
• The amount requested, due date and description are required for the invoice to be created.
• Currently, we encourage clients and professionals to agree on the invoice amount.
• After the invoice amount is paid by the client, Cedijob makes 85% ( freelance projects ) to 90% ( artisan-related jobs ) of the total amount available for withdrawal to the worker after 24 hours to 7 working days. Note that the amount after being paid by the client is non-refundable and that it is made available for withdrawal ( regardless of whether the job is cancelled or not ) to the worker right away. We therefore recommend that clients review every task carefully before payment is made.
• VERY IMPORTANT: Clients send contracts to their favourite applicants for any job they are hiring for. The contract creates an agreement on the total amount the client intends to pay for the entire job. Cedijob charges 10% ( artisan-related jobs ) to 15% ( freelance projects ) on the total amount agreed upon. We therefore take 10% to 15% commision on any invoice the client pays for and makes the remaining available for withdrawal to the worker.
• Cedijob partners with Payment Services Providers for purposes of collecting payments from Clients, transferring such payments from Clients to Workers, and holding funds in connection with Cedijob Balances. All payments services in connection with the withdrawal of funds on the Cedijob platform are performed by Cedijob’s Payment Services Providers.

Withdrawing Earnings

• To withdraw your earnings, you must add either our Bank Account Details ( not in use at the moment ) or your Mobile Money account to your Cedijob user account. Please note that the Cedijob does not do any bank transfers currently. We only do Mobile Money transfers.
• Earnings are made available for withdrawal only after a client marks the order as complete. It will take up to 24 hours to 7 working days for you to receive the money. This period may change depended on the Payment Services Provider.
• To withdraw your earnings, you've to navigate to your user account dashboard and go to earnings tab. We've a button available for you to initiate withdrawal.
• For security concerns, Cedijob may temporarily disable a Worker's ability to withdraw earnings to prevent fraudulent or illicit activity. This may come as a result of security issues, improper behaviour reported by other users, or associating multiple Cedijob accounts to a single withdrawal provider.
• Withdrawals can only be made in the amount available to you.
• Withdrawals are final and cannot be undone. We will not be able to reverse this process once it has begun.
• Users always have the option to withdraw Earnings only in GHS at the moment. We are currently working on including other currencies.
• Workers will be able to withdraw their earnings from disabled accounts after a safety period of 90 days or less following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to Cedijob's approval.

Hiring

• Client provides the details of the job/project he/she wants to hire for.
• The job is taken through a review process by Cedijob.
• Once the job description meets the required standards, we make it available for workers to apply. Note that artisan-related ( client chooses a favourite during the job posting process ) jobs do not receive applications.
• Client is allowed to send contracts to the professionals who apply for the job.
• After the agreement is made, Cedijob charges 10% - 15% commission on the agreed total amount.
• Invoices can either be generated by the client or the worker chosen to do the job.
• Cedijob takes 10% - 15% commission on every invoice amount.
• Payment can be made with payment cards such as MasterCard & Visa and Mobile Money.

ORDERS

Receiving Payments

• Each freelance service item you sell attracts 80% of the total amount the client paid.
• Cedijob releases the 80% of the total amount once the order is completed.
• If an order is cancelled ( for any reason ) by a client, the funds (70% of the order cost) will be refunded to the client whilst the remaining 30% of the total amount is given to the seller.
• Sellers are responsible for paying any direct or indirect taxes, including any VAT or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction. Sellers represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. This may also apply to clients when receiving refunds.
• Appointment as Limited Payment Collection Agent: Seller hereby appoints Cedijob as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Seller agrees that payment from Buyer to Cedijob shall be considered the same as a made directly to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by Cedijob (or its Payment Services Provider, as applicable), and Cedijob (via its Payment Services Provider, as applicable) is responsible for remitting the funds to the Seller in the manner described in these Payment Terms. In the event that Cedijob (via Payment Services Provider) does not remit any such amounts to Seller, the Seller will have recourse only against Cedijob and not the Buyer directly. Seller agrees that Cedijob may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Buyers that Cedijob may deem necessary or prudent.
• Cedijob partners with Payment Services Providers for purposes of collecting payments from Buyers, transferring such payments from Buyers to Sellers, and holding funds in connection with Cedijob Balances. All payments services in connection with the withdrawal of funds on the Cedijob platform are performed by Cedijob’s Payment Services Providers.

Withdrawing Earnings

• To withdraw your earnings, you must add either our Bank Account Details ( not in use at the moment ) or your Mobile Money account to your Cedijob user account. Please note that the Cedijob does not do any bank transfers currently. We only do Mobile Money transfers.
• Earnings are made available for withdrawal only after a client marks the order as complete. It will take up to 24 hours to 7 working days for you to receive the money. This period may change depended on the Payment Services Provider.
• To withdraw your earnings, you've to navigate to your user account dashboard and go to earnings tab. We've a button available for you to initiate withdrawal.
• For security concerns, Cedijob may temporarily disable a Seller’s ability to withdraw earnings to prevent fraudulent or illicit activity. This may come as a result of security issues, improper behaviour reported by other users, or associating multiple Cedijob accounts to a single withdrawal provider.
• Withdrawals can only be made in the amount available to you.
• Withdrawals are final and cannot be undone. We will not be able to reverse this process once it has begun.
• Sellers always have the option to withdraw Earnings only in GHS at the moment. We are currently working on including other currencies.
• Sellers will be able to withdraw their earnings from disabled accounts after a safety period of 90 days or less following full verification of ownership of the account in question, from the day of the last cleared payment received in their account and subject to Cedijob's approval.

Purchasing

• Client pays Cedijob to order a service from freelance professionals. Payment is collected via our Payment Service Provider.
• Cedijob serves as Seller’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Seller. Buyer’s payment obligation to Seller will be satisfied upon receipt of payment by Cedijob (or its Payment Services Provider, as applicable), and Cedijob (via its Payment Service Provider, as applicable) is responsible for remitting the funds to the Seller in the manner described in these Payment Terms. In the event that Cedijob (via Payment Services Provider) does not remit any such amounts to Seller, the Seller will have recourse only against Cedijob and not the Buyer directly.
• Purchases on Cedijob can be made with one of the following payment methods: Payment cards such as Visa and MasterCard or Mobile Money payment services.
• We charge service fees (5%) as part of the total cost of the order which serves as an administrative fee.
• The amount paid stays in excrow.
• Once the order is marked as completed by the buyer ( Client ), 80% of the total cost of the order is credited to the sellers Cedijob user account.
• You agree to receive invoices and/or payment receipts from Cedijob in electronic form as PDF documents or web form, by email or through the Site.
• To protect against fraud, unauthorized transactions (such as money laundering), claims, or other liabilities, payment information in connection with withdrawals is collected by either Cedijob or Cedijob’s Payment Services Providers. Payment Services Providers may also collect such other information as necessary for the purpose of processing withdrawal payments. Cedijob is not exposed to the payment information provided to Payment Services Providers, and this information is subject to the privacy policy applicable to the Payment Service Provider.
• By using any payment method and/or providing payment details for making purchases on Cedijob, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on Cedijob; and (d) such actions do not violate any applicable law.
• Note that all prices on Cedijob are derived always from their original GHS price and, therefore, non-GHS currency prices may change daily in accordance with exchange rate fluctuations and may also include conversion fees. Buyers always have the option to pay in GHS by changing their currency.
• If you paid for an Order in a currency other than GHS and your Order was later cancelled for any reason, the amount returned to your Cedijob Balance would be based on the exchange rate as of the date of cancellation. Therefore, the returned amount may vary from the paid amount in local currency terms, while always maintaining the same GHS value.
• Your Cedijob Balance is always valued in GHS, even if it is displayed in a non-GHS currency. Therefore, should you choose to view your Cedijob Balance in any currency other than GHS, it may change daily in accordance with exchange rate fluctuations, while always maintaining the same GHS value. Users always have the option to view their Cedijob Balance in GHS by changing their selected displayed currency.

Taxes

• Cedijob may be required by applicable laws to charge users with indirect taxes (such as Sales Tax or VAT) or to withhold taxes. Any amount Cedijob will be required to collect will be in addition to the purchase amount and any other fees payable by the Buyer/Client, and any amount Cedijob will be required to withhold will be deducted from the Seller’s/Worker's earnings, as required by applicable laws.
• Indirect taxes are in addition to the price shown on the site, and in any event, any such taxes will always be displayed to the Buyer/Client before payment.
• Users are responsible for paying any direct or indirect taxes, including any VAT, or income tax, which may apply to them depending on residency, location or otherwise, under provisions of their jurisdiction.

Disputes and Cancellations

Buyers/Clients and sellers/workers are encouraged to solve any issues ( that may arise ) among themselves. However, if you fail to reach a resolution ( for some reason ), you can reach out to us via support@cedijob.com

Basics

• Order cancellations can be performed by either the buyer or the seller. If the cancellation is initiated by the buyer, the freelancer will recieve 30% of the total cost of the order. On the other hand, if the cancellation is initiated by the seller, no percentage of the total cost of the order will be given. All will be transferred to the buyer's account as a refund.
• Filing a dispute on an order is very simple to do. As part of the order management menu is a button ( report button ) which gives you a form to send your issues to Cedijob.
• Cedijob, through its Payment Services Provider, reserves the right to cancel orders or place funds on hold for any suspected fraudulent transactions made on the Site.
• All transfer and assignment of intellectual property to the Buyer shall be subject to full payment and the delivery may not be used if payment is cancelled for any reason.
• If an order is cancelled (for any reason), the funds paid will be returned to the Buyer’s Cedijob Balance.
• Revisions to deliveries can be performed by Sellers based on the Seller’s Service and customer care. Sellers may determine the amount of revisions they wish to offer, including no revisions.
• Requests for revisions can be performed through the Order Page by communication with the seller using our simple message box.
• Requesting to gain more services from Sellers beyond the agreed requirements by using the Request Revisions button is not allowed.

General Terms

Modifications

Cedijob may make changes to these Payment Terms from time to time. When these changes are made, Cedijob will make a new copy of the terms available on this page.

You understand and agree that if you use Cedijob after the date on which the Payment Terms have changed, Cedijob will treat your use as acceptance of the updated Payment Terms.

Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER CEDIJOB NOR ANY PERSON ASSOCIATED WITH CEDIJOB MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL CEDIJOB, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

IN ACCEPTING LIABILITY AS THE LIMITED AUTHORIZED PAYMENT COLLECTION AGENT OF SELLER, CEDIJOB AND ITS AFFILIATES ASSUME NO LIABILITY FOR ANY ACTS OR OMISSIONS OF SELLER.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

The term “Affiliate” referred to herein, is an entity that, directly or indirectly, controls, or is under the control of, or is under common control with Cedijob, where control means having more than fifty percent (50%) voting stock or other ownership interest or the majority of voting rights of such entity.