Last updated: 21 October 2026 · Effective immediately. Last updated: 18 October 2026 · Effective immediately. Added automatic full refunds for paid orders nobody accepted, and where card, credit and wallet refunds go. Refunds are paid in full, with no transfer fee taken off. A Makola market order cancelled before shopping starts, or where nothing could be bought, now gets the payment processing fee back too.
These Terms of Service ("Terms") govern your use of the FINDR app, website and services ("FINDR"), operated by Feria Information Systems (FIS) ("we", "us"). By creating an account or using FINDR, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use FINDR.
1. Who can use FINDR
You must be at least 18 years old and able to form a binding contract. You're responsible for the accuracy of the information you provide and for activity under your account.
2. What FINDR is
FINDR is a marketplace and technology platform that connects customers with independent drivers & couriers, businesses, skilled workers, tutors & schools and landlords for rides, food & shopping, package delivery, goods haulage, events, stays, dine-in, property, vehicles, skilled-trade jobs, classes and everyday payments. Except where expressly stated, FINDR does not itself provide transport, goods, accommodation, events, trade services or educational content; those are provided by independent third parties, and your contract for them is with that provider. FDS Mall is a shopping service we provide ourselves: we buy items for you and are responsible to you for the order. See the FDS Mall Terms. FINDR facilitates discovery, ordering, communication and payment. For FINDR Haul, FINDR also collects the haul fee on the driver's behalf and holds it until it is released to the driver after delivery, as the FINDR Haul terms explain.
3. Your account
- Sign in is by phone number and a one-time passcode; keep access to your number and device secure.
- You're responsible for activity on your account; tell us promptly of any unauthorised use.
- You may delete your account at any time (see Delete your account).
4. Orders, bookings & payments
- Prices, fares and fees are shown before you confirm. Some fares (e.g. rides) may vary with distance, time and demand.
- Payments are processed by third-party providers (e.g. Paystack, MTN MoMo). You authorise the charge for what you order, including any applicable delivery fees, service fees or tips.
- Service fee. For most shop, food and stay orders, and for wholesale restock orders, FINDR adds a separate Service fee to your total. We show it on its own line, in cedis, before you confirm and pay. The item price you see is the price set by the business. In FDS Mall the price you see is the FDS price, which includes our concierge charge; see the FDS Mall Terms. The Service fee is FINDR's charge for running the platform and processing your payment, and it is not paid to the business. Its amount depends on your order and is always shown at checkout before you pay. We may change how the Service fee is worked out; the amount shown when you confirm is the amount that applies to that order.
- Cash orders. If you pay the business in cash, the Service fee still applies. You pay the Service fee in the app by Mobile Money or card when you place the order, and you pay the business for the goods in cash when you receive or collect them. Your order is sent to the business once the Service fee is paid. FINDR Points and FINDR credit cannot be used to pay the Service fee.
- Service fee on stays. The Service fee applies to rooms you book and pay for in the app. It is not charged on a booking the property arranges at its front desk that you pay for in cash.
- Some businesses offer pickup (self-collect) orders: you collect the order yourself instead of having it delivered. The same payment terms apply; no delivery fee is charged.
- Ordering for someone else. When you order for someone else, you confirm you may give us their name, phone number, address and location, and that they have agreed to be contacted about the delivery. You are responsible if you give us details you are not entitled to share. See Ordering for someone else in our Privacy Policy.
- Where you redeem FINDR credit, FINDR Points or a promo, it is applied as a discount under the terms of that offer and has no cash value. FINDR Points are covered in section 5.
- Refunds, cancellations and disputes. If something is wrong with an order, you can ask for a refund in the app. FINDR's refunds team reviews each request against our refund policy and applicable law, and you will see the decision on your order. The business or provider remains responsible for providing what you ordered; where we approve a refund, we may recover it from amounts we owe that business. Where a delivery problem was caused by an independent courier, we may also recover the approved refund from amounts we owe that courier, under the FINDR Driver & Courier Agreement, once that courier has accepted Version 2 of it.
- Orders that nobody accepts. If you paid for a food, shop or Makola order and it is cancelled by FINDR because nobody accepted it, we refund you automatically, in full. You do not need to ask. The refund is the whole order total, including the delivery fee and the service fee. Refunds go back as set out under "Where your refund goes" below, and usually arrive within about 3 hours for Makola orders and orders FINDR places for you and about 25 hours for other orders. If we cannot refund an order automatically, our refunds team handles it under the refund rules in this section and tells you on your order.
- Where your refund goes. If you paid by Mobile Money, your refund goes to the Mobile Money number that paid. For an order we cancel automatically because nobody accepted it, if there is no paying Mobile Money number on record, the refund goes back to the original payment through our payment provider. If you paid by card, a Makola market order, a hotel stay, or an order we cancel automatically because nobody accepted it is refunded to the original card payment. For any other card-paid food or shop order, the refund is made to a Mobile Money number on your account, which our team confirms with you first. If you have no Mobile Money, contact support and our team will arrange your refund. FINDR Wallet payments are refunded to your wallet, and FINDR credit to your credit balance. A card refund can take longer to appear, depending on your bank. If you paid in cash (cash on delivery or cash at pickup), the business returns the cash to you directly. FINDR does not send cash refunds; our refunds team confirms with the business that the refund was made. Any part of the order paid in the app is refunded as described above.
- Refunds of fees. If we refund an order, we refund the price of the goods or service. The Service fee and the payment processing fee are not refunded, except where the order is cancelled before the business has started it, or the problem was caused by FINDR, in which case we refund the Service fee too. A Makola market order cancelled before shopping starts, or where nothing could be bought, is refunded in full, including the payment processing fee.
- When we refund some items on a Makola market order, we refund the goods only, at the price shown. The delivery fee, the per-order service fee and the payment processing fee are not refunded on an item refund. This applies in place of the Service fee exception in "Refunds of fees" above. This does not apply when the whole order is cancelled because nobody accepted it, when it is cancelled before shopping starts, or when nothing on your list could be bought: then we refund the full order total. See the customer guide for how Makola refunds work.
- For hotel stays, see our Cancellation and refunds for stays policy. FINDR Haul cancellations, refunds and problems follow the FINDR Haul Terms for Businesses. Wholesale restock orders between a wholesaler and a shop follow the FINDR Wholesale Terms. Refunds on those orders are paid to the buying shop's registered payout number, not by the refund methods above. Nothing in this section affects any rights you have under Ghanaian law.
5. FINDR Points
FINDR Points is our loyalty programme. You earn points by paying for things in the app, and you can use them as a discount at checkout. Points are earned by spending, never by chance: there is no prize draw, lottery or game of chance in the programme.
- Earning. You earn 1 point for every GH₵ 1 you pay by Mobile Money, card or FINDR Wallet on an eligible purchase, such as rides, food and shop orders, package deliveries, dine-in tabs, stays, event tickets, classes and fuel. 100 points are worth GH₵ 1 when used at checkout. You can earn up to 1,000 points on a single payment. Points are a FINDR-funded reward with a monthly limit. If the limit is reached, earning pauses until the next month, and a payment made as it is reached may earn fewer points.
- Tiers. If you earn 300 points in the last 90 days you reach Silver and earn 1.25 points per GH₵ 1. If you earn 800 points in the last 90 days you reach Gold and earn 1.5 points per GH₵ 1. Your tier is reviewed regularly and can go down if you earn less.
- What does not earn. This includes cash payments; the part of a payment covered by FINDR credit or points (including orders paid fully with credit); school fees; payment links; a shared-ride (Trotro) fare share; payments to a suspended business or driver, or by a suspended account; wallet top-ups, money transfers and withdrawals; test accounts, orders and businesses; purchases by a business owner or their staff from their own business, and any other purchase where the buyer and the seller are the same person or are acting together (self-dealing).
- Pending points. Some points are pending before you can use them. Points on an order become available when it is delivered or completed. Points on a stay become available 24 hours after check-in, and points on an event ticket 24 hours after the event starts or after you pay, whichever is later. Pending points cannot be used.
- Using points. You can use points once you have at least 500 available points (GH₵ 5), in steps of 100 points, on in-app payments for food and shop orders, rides and stays, up to the value of the order. Points are converted to FINDR credit at checkout and applied as a discount. If a conversion is larger than what you need, the difference stays with you as FINDR credit, which expires 90 days after it is issued.
- Where points cannot be used. Points cannot be used on cash orders or on a shared-ride (Trotro) fare share. Makola market orders and fuel payments earn points, but points cannot be used on them for now.
- One promotion per order. Points and FINDR credit cannot be combined with a promo code, a shop offer or event credit on the same order.
- Cancellations and refunds. If an order is cancelled, its pending points are removed. If a payment is refunded in full or in part, the matching points are taken back. This can leave your points balance below zero. While it is below zero you cannot use points, but you can still use FINDR credit from other sources, and new points you earn bring the balance back up. If you paid with points and the order is refunded, the value comes back to you as FINDR credit.
- Expiry. Your points expire if you go 12 months without earning or using any. We will show a reminder in the app, and send a notification if you allow them, at least 30 days before they expire. Earning or using points before then keeps them.
- No cash value. Points have no cash value. They cannot be exchanged for cash, transferred to another person or account, sold, or bought, and they are not property you own. They only give you a discount on FINDR under these Terms.
- Fraud and misuse. We may refuse, remove or cancel points that were earned through fraud, abuse, error, self-dealing or a breach of these Terms, and we may suspend a member's use of the programme while we look into it.
- Changes to the programme. We may change the programme, including how points are earned or used, the tiers and the expiry period, or suspend or end it. We will give you at least 30 days' notice in the app or by message before a change that reduces the value of points you already hold, or before we end the programme, so you have a chance to use your points, except where a change is needed urgently for legal, security or fraud reasons. If the programme ends, points not used by the end date expire.
6. Acceptable use
You agree not to:
- Break the law, or use FINDR to facilitate anything illegal, harmful, fraudulent or abusive.
- Misuse, scrape, reverse-engineer, overload or interfere with the platform or its security.
- Impersonate others, provide false information, or infringe anyone's rights.
- Post content that is unlawful, deceptive, offensive, or that you don't have the rights to.
7. Drivers, couriers, businesses & other providers
If you provide services on FINDR, you are an independent operator, not an employee, worker or agent of FINDR. You're responsible for your licences, permits, taxes, insurance, the quality and legality of what you provide, and for complying with our policies. We may verify your identity and documents and may suspend or remove access for policy or safety reasons. This applies equally to skilled workers, tutors and schools, and landlords who use FINDR's tools. If you carry goods on FINDR Haul, the FINDR Haul Driver Terms also apply to you.
If you deliver goods or give rides as a driver or courier, the FINDR Driver & Courier Agreement also applies to you. Once you have accepted Version 2 of it, you are responsible under it for goods you lose or damage while they are in your care, and the limit in that agreement is the most we can recover from you for one delivery claim, except for theft or deliberate loss. That limit applies in place of the general indemnity in section 17.
8. Skilled-worker jobs (Hire)
FINDR's jobs marketplace lets customers post jobs and skilled workers bid on them, with worker profiles and ratings to help you choose. FINDR provides the venue only:
- The contract for the work is directly between the customer and the worker. FINDR is not a party to it and does not supervise or guarantee the work.
- Payment for jobs happens outside the app, directly between customer and worker. FINDR does not process, hold or escrow job payments and is not responsible for them.
- Workmanship, materials, timing and any disputes are matters between the customer and the worker. You can report abusive, unsafe or fraudulent behaviour in the app, and we may act on it under these Terms.
9. Truck and goods haulage (FINDR Haul)
FINDR Haul lets verified businesses hire independent drivers of goods tricycles (aboboyaa and cargo tricycles), pickups and trucks to move goods. Goods tricycles are offered only loads of 15 km or less (straight-line distance from pickup to drop-off) that the business has marked as suitable for a tricycle. It is open in selected areas only.
- A business posts a load and the price it will pay; approved drivers with verified vehicles accept the price or bid, and the business chooses one.
- The business pays the haul fee and a payment processing fee through the app. FINDR collects the haul fee on the driver's behalf, holds it until the goods are delivered, and releases it to the driver 24 hours after delivery unless a problem is reported.
- The contract to carry the goods is between the business and the driver. FINDR is not a carrier and does not insure the goods. The driver's responsibility for loss or damage is limited to the value the business declares when it posts the haul (or, if none is declared, to the haul price; a blank value or GH₵ 0 counts as not declared), except where the driver or anyone helping the driver stole the goods or caused the loss on purpose. The business should insure its goods above that.
- The party that cancels a paid haul bears the payment processing fee.
- Businesses agree to the FINDR Haul Terms for Businesses and drivers to the FINDR Haul Driver Terms. Those terms apply to FINDR Haul where they differ from these Terms.
10. Classes & paid class access (Classroom)
Tutors and schools can post lessons and materials to a class and, if they choose, charge a price to join.
- The tutor or school is the seller and the owner of its class content; your enrolment contract is with them. Enrolment (free or paid) unlocks the class content for your account.
- Payments for class access are processed in the app and settle to the tutor's or school's earnings like other provider revenue.
- Lessons, materials and class questions & answers are user content: they must be the tutor's own work or properly licensed, and the content rules in these Terms apply to them.
11. School fees (FeePay)
- Fee payments go to the school, a third party. FINDR processes the payment and confirms it with the student reference the payer enters.
- Fee amounts, what they cover, and any refunds are the school's responsibility; confirm the amount with the school before paying. Part-payments are allowed.
12. Property listings & property management
- Landlords and sellers are responsible for the accuracy of their listings and property information.
- FINDR's property-management tools help landlords organise residents, staff and maintenance requests. FINDR is a management tool only; it is not a party to any tenancy or sale agreement, and rent, tenancy terms and obligations remain between landlord and resident.
- Resident records and maintenance requests are the landlord's records about their own tenancy, and must be kept and used lawfully.
13. AI features
FINDR includes AI assistants (for example Feria, Study Buddy and FINDR Business IQ). AI-generated content can be inaccurate or incomplete:
- AI answers are provided for information and convenience only. FINDR Business IQ's business suggestions are not professional financial, tax or legal advice, and Study Buddy is a study aid, not a substitute for instruction.
- Check important information before relying on it; you remain responsible for your decisions.
14. Content you provide
You keep ownership of content you upload (e.g. pictures, listings, reviews), and grant FINDR a non-exclusive, worldwide licence to host, display and use it to operate and promote the service. You're responsible for having the rights to what you upload.
15. Service availability
FINDR is provided on an "as is" and "as available" basis. We don't guarantee that the service will be uninterrupted, error-free, or that listings, fares or availability are always accurate. We may change, suspend or discontinue features at any time.
16. Limitation of liability
To the fullest extent permitted by law, FINDR and Feria Information Systems (FIS) are not liable for the acts, omissions, goods or services of independent drivers, couriers, businesses, skilled workers, tutors, schools or landlords, nor for indirect, incidental or consequential losses. Nothing in these Terms excludes liability that cannot be excluded under applicable law. This does not limit our responsibility for the FDS Mall service under the FDS Mall Terms.
Where an independent courier is responsible for damage to goods under the FINDR Driver & Courier Agreement, we may refund the customer first and recover the cost from the courier as that agreement says. That is a service to the customer. It does not make FINDR the carrier of the goods or responsible for goods in transit. For delivery damage, the limit in that agreement is the limit of what we may recover from the courier, even though section 17 is general. The FINDR Haul terms, the Driver & Courier Agreement and the FINDR Wholesale Terms apply to the people who are parties to them, as they say.
17. Indemnity
You agree to indemnify FINDR against claims arising from your misuse of the service, your content, or your breach of these Terms or of any law or third-party right.
18. Suspension & termination
We may suspend or terminate your access if you breach these Terms or to protect users, the public or FINDR. You may stop using FINDR and delete your account at any time.
19. Changes to these Terms
We may update these Terms from time to time. We'll post the updated version here with a new "last updated" date, and your continued use after changes means you accept them.
20. Governing law
These Terms are governed by the laws of the Republic of Ghana, and disputes are subject to its courts.
21. Contact
Feria Information Systems (FIS) · operator of FINDR.
These Terms are provided as general information and are not legal advice; we recommend reviewing them with qualified counsel for your jurisdiction before launch.