1. Who we are
UMUGINA operates a three-sided marketplace connecting buyers, businesses, and Sales Agents. The platform is administered from Kigali, Rwanda. Contact: support@umugina.com.
2. Accounts
You must provide accurate registration details and keep credentials secure. You are responsible for activity under your account. Platform admins may suspend accounts that breach these Terms, applicable Rwandan law, or marketplace trust rules.
Account and business closure include a cooling-off period of about 30 days during which you may cancel the request, subject to open orders, invoices, disputes, or admin holds. Limited records may be retained afterward as described in the Privacy Policy.
3. Buyers, businesses, and Sales Agents
Buyers place orders and pay through enabled payment methods. Businesses list products, fulfil orders, and remain responsible for product quality, legality, and customer support. Sales Agents promote products via attribution links and may earn commissions when rules for attribution and settlement are met.
A Verified badge means the business completed UMUGINA’s verification review. It is a trust signal only—not a warranty of product quality, stock, or payment outcomes. Buyers should exercise ordinary care before paying, especially for advance or off-platform payments.
4. Orders and payments
Prices are shown in RWF unless stated otherwise. Available payment providers are controlled by UMUGINA and may include manual / cash-on-delivery settlement and online providers when enabled. Manual payments are confirmed by the merchant. Online providers settle according to their own terms and webhook confirmation. Platform fees and agent commissions are calculated as disclosed in product and finance settings.
5. Product listings and removal
Businesses may request removal of a product listing. After a request: (a) for 3 days the listing may remain publicly visible but cannot accept new orders; (b) after that cool-off it is hidden from Explore, shop pages, and similar public surfaces; (c) UMUGINA may retain listing and related records for up to 30 days (or longer when required for open orders, disputes, reports, legal obligations, or fraud prevention) before purge or anonymisation.
Sellers may cancel a removal request during the cool-off unless platform review has frozen the schedule. UMUGINA may refuse or delay removal while orders, reports, or investigations are open. Order history may retain product name and related snapshots after a listing is removed.
6. Reporting and trust
Users may report products, businesses, or reviews that appear abusive, fraudulent, or otherwise in breach of these Terms. We encourage buyers to report suspected scams promptly—ideally while a listing is still visible during any cool-off window—so we can review before it leaves the public marketplace. Reporting does not create an escrow, insurance, or guaranteed refund obligation for UMUGINA.
7. Prohibited use
You may not use UMUGINA for fraud, illegal goods, IP infringement, abusive messaging, scraping that harms the service, or attempts to bypass security, rate limits, or attribution rules.
8. Liability
UMUGINA provides the marketplace technology. Unless required by law, we are not liable for merchant fulfilment failures, product defects, buyer–seller payment disputes outside our controlled checkout flows, or third-party payment outages beyond fees you paid to UMUGINA for the affected transaction. Nothing in these Terms limits rights that cannot be waived under Rwandan consumer protection law.
9. Governing law
These Terms are governed by the laws of the Republic of Rwanda. Disputes should first be raised with support; unresolved disputes may be brought before competent courts in Kigali.
See also our Privacy Policy and FAQ.