Your trust matters. Read our policies to understand how we protect your data, govern platform usage, and safeguard every payment made in the app.
Last updated: October 14, 2026
Garabaly ("we", "our", "us") is committed to protecting the privacy and personal data of all users of our livestock marketplace platform. This Privacy Policy explains what information we collect, how we use it, and the rights you have regarding your data.
By using the Garabaly app or website, you consent to the practices described in this policy. The data controller is GARABALY, a sole proprietorship (entreprise individuelle) registered with the RCCM of Bamako under no. ML-BKO-01-2026-A-01130, Bamako, Republic of Mali. We process your data in accordance with Malian Law No. 2013-015 of May 21, 2013 on the protection of personal data, under the supervision of the Personal Data Protection Authority (Autorité de protection des données à caractère personnel, APDP), and with the laws that apply in the other countries where you use Garabaly.
For your safety, Garabaly may review chat messages, voice messages, images, and videos shared through our in-app messaging system under the following circumstances:
Garabaly does not routinely monitor or read user messages. Reviews are conducted only by designated moderation staff, not by all company employees.
Deleted messages: A message you delete is hidden from the conversation but remains accessible to the moderation team, for evidence purposes, for as long as your account exists; after you delete your account, it is erased as set out in section 6. The "delete for everyone" option does not remove the message from moderators' access during that period. This retention protects both parties in the event of a dispute.
You have the right to request access to your data, including your conversation history, and its deletion, as provided by law. Write to [email protected].
We use your information to:
We implement robust security measures to protect your data:
We share your data only in the following circumstances:
We never sell your personal data to third parties for advertising or marketing purposes.
We keep your personal data for as long as your account is open. After it is closed, we delete it within 30 days, with two exceptions. First, data that the law requires us to keep: identity-verification (KYC), wallet, payment and transaction records are kept for at least 10 years from the transaction or the account closure, whichever is later, in accordance with the applicable anti-money-laundering and counter-terrorist-financing rules, including those of the WAEMU/UEMOA and CEMAC zones; during that period, this data is used only to meet those obligations. Second, messages linked to a dispute that is still open are kept until the dispute is closed, then erased. Your other messages, including those you deleted, are not part of these records: they are erased within the same 30 days. You may ask at any time for your other data to be deleted, at [email protected].
You have the right to:
To exercise any of these rights, write to us at [email protected]. You may also lodge a complaint with the APDP (Mali) or with the data protection authority of your country.
This section covers the website www.garabaly.com. The app is covered in sections 2 to 7.
No advertising cookies, no tracking. The website sets no advertising cookies and uses no audience-measurement or tracking tool.
Only what is necessary. The website keeps a few preferences in your browser: your language, light or dark mode and, on mobile, whether you closed the download bar. They cannot identify you, stay on your device and are not sent to us. Our hosting provider may also use a cookie that is strictly necessary for the website's security, for example to protect it against bots.
These items are essential for the website to work the way you use it, so they do not require your consent. You can clear them at any time in your browser settings; the website will simply return to its default settings.
Contact form. Messages sent through the form pass through a technical provider that forwards them to us. They are used only to reply to you and are not kept longer than needed to handle your request.
If this changes. If we ever use an audience-measurement tool or any other non-essential tracker, it will either work without cookies and without identifying you, or be turned on only with your consent: you will be able to refuse as easily as accept, and to change your mind at any time. This section will be updated first.
Questions? Write to us at [email protected].
Garabaly is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us for removal.
We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or via email. If you continue to use Garabaly after these changes, the updated policy applies.
Updated October 7, 2026 — effective October 21, 2026
The following changes apply on publication: wording corrections; Garabaly's role (art. 3); cash payments (art. 4.1, 6 and 9); payment for a standalone service order (art. 5.1); payment methods, escrow and conversion fees credited back (art. 6); and the dispute procedure, with a decision within 72 hours (art. 10).
By creating an account or using the Garabaly platform (app and website), you accept these Terms of Service. If you do not agree, you must not use the platform. These terms apply to all users, including buyers, sellers, service providers, and visitors.
Garabaly is an online marketplace that connects livestock buyers with sellers and with independent service providers (delivery drivers, butchers, veterinarians). We are not a party to transactions between users. We provide the technical tool — messaging, order tracking and escrow of payments made in the app — but the actual sale and delivery of livestock is a matter for the parties to the transaction. Payments are carried out by licensed payment providers: Garabaly is not a bank, a payment institution or an electronic-money issuer.
Garabaly moderates chat content as part of its marketplace rules. For your safety, messages may be reviewed if a report is filed. By using the in-app messaging system, you acknowledge that:
For your safety, keep conversations on Garabaly and inspect animals before paying. If a report is filed, moderators may review the chat.
Orders are independent by default, with an optional bundle:
Orders follow these steps:
Buyers and sellers may negotiate prices through the in-app chat. A transaction binds the parties once the buyer has confirmed the purchase: for a payment made in the app, when the payment is placed in escrow; for an order to be paid in cash, when the buyer places the order in the app. An order paid in cash therefore binds the parties like any other order; however, it does not go through escrow and is not protected by Garabaly (article 6).
Sellers pre-approve the sale before checkout. The buyer can complete the order only after the seller has accepted the deal. There is no seller confirmation step after that: an order paid in the app is active as soon as the payment is placed in escrow; an order to be paid in cash is active as soon as the buyer places it.
Each order generates a unique 6-character confirmation code. The buyer — and only the buyer — enters this code directly in the app, after receiving and inspecting the livestock or service. Entering the code triggers the escrow release process. Only enter your confirmation code after you have received and inspected the livestock to your full satisfaction.
7.1 Your wallet. Each user has a Garabaly Wallet for receiving payments and making purchases. Operations are protected by your personal PIN and by anti-fraud controls; every movement is recorded and balances are checked continuously. A deposit by card or mobile money may incur the provider's fees, which are deducted from the amount credited and shown before you confirm. Wallet-to-wallet transfers are governed by the Wallet & Transfer Policy.
7.2 Withdrawals. You may withdraw your wallet balance to a mobile-money account or to a bank account in your name, within the limits shown in the app for your account. No single transaction may exceed 5 000 000 FCFA, or the equivalent in your wallet's currency; this ceiling applies in every country. Withdrawal to a bank card is not offered. A withdrawal to a mobile-money account bears the operator's fees, passed on at cost and shown before you confirm.
7.3 Bank withdrawals. Withdrawals to a bank account are subject to the following conditions, shown in the app before you confirm:
(a) they are made only in your wallet's currency; to withdraw in another currency, first convert the amount with a wallet-to-wallet transfer (available to eligible wallets, and subject to the cross-currency transfer fee shown before you confirm);
(b) minimum amount: 300 000 FCFA per withdrawal;
(c) maximum amount: 2 000 000 FCFA per withdrawal, on an interim basis;
(d) bank withdrawal fee: 1.5% of the amount withdrawn, never less than 5 000 FCFA, rounded up to the next whole unit of the currency;
(e) timing: 3 to 8 working days between your request and the credit to your account (1 to 3 days of processing by Garabaly, then 2 to 5 days for the bank transfer), not counting your own bank's processing times.
For a currency other than the CFA franc, these amounts are converted into your wallet's currency; the applicable values are those shown in the app before you confirm. Bank withdrawal is offered only in the currencies for which the app shows it. If a bank withdrawal is refused during processing, the amount requested and the bank withdrawal fee are credited back to your wallet in full. An unfavorable change to these conditions follows the procedure in article 13 and does not apply to withdrawals already confirmed.
Users may not:
Violations may result in immediate account suspension, fund freezing, and reporting to relevant authorities.
In the event of a dispute between transaction parties, Garabaly will review the available evidence (chat logs, photos, order data) and decide on a fair resolution. During the process, every share not yet released remains in escrow until the decision. Each party concerned may present its case. Garabaly gives its decision within 72 hours of the dispute being opened; if information is missing, it tells the parties what is needed. Every decision is recorded.
Garabaly facilitates transactions but does not guarantee the quality, health, or condition of livestock listed on the platform. We provide escrow protection and verification tools to minimize risk, but buyers should always inspect livestock upon delivery before confirming the transaction. Garabaly's liability is limited to the fees collected for the specific transaction in question.
You may delete your account at any time. Garabaly reserves the right to suspend or terminate accounts that violate these terms. When your account is deleted or terminated, pending transactions are settled under our Escrow Policy, and the remaining balance of your wallet is returned to you by a withdrawal to an account in your name, under article 7, unless a freeze has been applied under the Wallet & Transfer Policy. If this balance is below the withdrawal minimum, that minimum does not apply: Garabaly pays out your balance anyway.
We may update these Terms of Service and the policies they refer to. Material changes are notified to you in the app or by email at least 14 days before they take effect. Changes that are more favorable to you, or that only correct the wording, apply as soon as they are published. If you refuse a change, you may delete your account before it takes effect; otherwise, continued use of the platform constitutes acceptance. An operation already confirmed remains governed by the version in force when it was confirmed.
Only Garabaly binds Garabaly, and only in writing.
No field agent, contractor, facilitator, relay point, partner or intermediary has the power to bind Garabaly. Such persons may not enter into any contract on Garabaly's behalf, grant any discount, reduction, guarantee or extension of time, or receive any funds for Garabaly's account. No verbal commitment made by such a person binds Garabaly.
People who work in the field on Garabaly's behalf act as technical assistance: they introduce the platform and help you use it. They do not represent you, and they do not represent Garabaly to you.
Field assistance is free of charge. No one is authorized to ask you for money, or to collect a payment, in Garabaly's name.
Before handing money, an animal or a document to anyone claiming to be from Garabaly, check them: the rules and the procedure are set out in our Representation Policy.
These terms and the policies they refer to are available in French, English and Arabic. In the event of a discrepancy between these versions, the French version prevails.
Updated October 7, 2026 — effective October 21, 2026
The following changes apply on publication: wording corrections; the rules on cash payments (sections 1, 2 and 9); the confirmation code (section 3); opening a dispute, the 72-hour decision and refunds (section 2, "Disputed" stage, and sections 7.1 to 7.3); manual interventions (section 6); and conversion fees credited back (section 9).
Escrow is a protection mechanism that keeps your payment secure until a deal is complete. When you pay in the app for an animal or a service, your payment is held in escrow until you enter your confirmation code, then released under the rules below. This mechanism protects both buyers and sellers. Cash payments do not go through escrow.
Every payment made in the app follows a per-party escrow process. The seller and the service providers approve the order before checkout: you can pay only once the deal is accepted. Nothing is released until the buyer enters their confirmation code. The moment the buyer enters it, the service providers are paid, and the seller's share enters a 24-hour buyer-protection window, at the end of which it is released to the seller. One code releases the whole order — independent or bundled — with no per-step payout.
The buyer places an order (after the seller and the service providers have approved it) and pays. The amount, paid by card, mobile money or wallet, is placed in escrow, kept separate from Garabaly's operating funds. The order is active and delivery can proceed.
The buyer has entered their confirmation code after delivery — nothing is released before that. Any service providers booked are paid at once; the seller's share remains in escrow during the 24-hour buyer-protection window, which opens when the code is entered and during which the buyer may still file a dispute.
The 24-hour buyer-protection window, opened when the 6-character confirmation code was entered, has passed with no dispute: the seller's share is paid out to the seller's Garabaly Wallet. The transaction is complete.
A dispute has been opened: by the buyer, before entering their code or during the buyer-protection window, or by the seller or a service provider if the buyer does not enter the code after delivery. Every share not yet released remains in escrow until the decision. Garabaly gives its decision within 72 hours of the dispute being opened; if information is missing, it tells the parties what is needed. Possible outcomes: a full or partial refund to the buyer (Refunded), or payment to the seller or the service provider concerned if the dispute is decided in their favor.
Inspect the livestock or service on delivery, before entering your code: if something is wrong, open a dispute without entering the code.
For bundled orders, which combine one animal and up to three services (delivery, butchering, veterinary care), escrow protects all parties:
Our escrow relies on strong safeguards:
Buyer-protection window: After entering their code, the buyer has 24 hours to dispute the seller's share only. Nothing is released before the buyer enters their confirmation code; service providers are paid when the code is entered (never before, with no per-step payout) and are not subject to the 24-hour window, which applies only to the seller's share. If the seller or any service provider does not approve the order before checkout, you pay nothing. Escrow stages: Funded → Releasing → Released → Disputed/Refunded.
If you receive livestock that does not match the listing description, is unhealthy, or if any other issue arises, open a dispute before entering your confirmation code. After entering the code, you can still open a dispute about the seller's share during the 24-hour buyer-protection window. If the buyer does not enter their code after delivery, the seller or service provider can also open a dispute, from the report screen in the app. Contact Garabaly support through the app or at [email protected].
Garabaly charges buyers no commission and no platform fee. A small platform fee is charged to sellers and service providers, only upon successful completion of a transaction; fee percentages are transparently displayed in the app. Holding funds in escrow and releasing them incur no additional charges. Other fees may apply, always shown before you confirm, including: fees charged by the card provider or the mobile-money operator, on a payment or on a deposit to your wallet; a small conversion fee when you pay in a currency different from the seller's (none for same-currency payments, or between the CFA franc and the euro); a fee of 1.5% on a wallet-to-wallet transfer between different currencies (transfers in the same currency are free); and, for wallet withdrawals, the fees set out in article 7 of the Terms of Service: the operator's fees for a withdrawal to mobile money, and a bank withdrawal fee of 1.5%, never less than 5 000 FCFA (or the equivalent), for a withdrawal to a bank account.
Four payment methods are possible; only payments made in the app are protected by escrow:
Warning: Cash payments are not protected by Garabaly. To be protected, as a buyer or as a seller, pay in the app: card, mobile money or Garabaly Wallet.
Paying from another country? You always pay in your own currency, and the seller receives theirs. Garabaly handles the conversion at a rate fixed the moment you pay; the same rate is used for any refund. Within the CFA franc zone (XOF and XAF), and for euro payments at the official fixed rate, no conversion fee applies. For other currencies, a small conversion fee is shown before you confirm. If the order is canceled in full after payment, this fee is credited back to your Garabaly Wallet; it is not returned on a partial refund. Cross-currency payment is currently available by card and with the Garabaly Wallet.
For any questions about our escrow system, disputes, or refunds, contact us:
Version 2.2.0 — Effective August 11, 2026
In the event of a discrepancy between language versions of these Conditions, the French version shall prevail.
The conditions for withdrawals (to a mobile-money or bank account) and their fees are set out in article 7 of the Terms of Service.
The Garabaly wallet is an instrument integrated into the Garabaly marketplace, designed to facilitate transactions between buyers, sellers, and service providers on the platform. The wallet-to-wallet transfer service is a complementary feature to the buying, selling, and service provision journey, enabling in particular the sharing of revenue between business partners, the settlement of service providers, and the management of funds related to marketplace activity.
These Conditions supplement the General Terms of Use of the Garabaly platform without replacing them. In the event of a conflict on any point relating to the wallet or user-to-user transfers, these Conditions shall prevail.
Use of the wallet-to-wallet transfer service implies full and unconditional acceptance of these Conditions.
For the purposes of these Conditions, the following terms have the meanings assigned below:
2.1 Access to the wallet-to-wallet transfer service is reserved for users who cumulatively and continuously meet all of the following conditions:
2.2 User eligibility is verified at each transfer attempt. The loss of any of the above conditions results in the immediate and automatic withdrawal of access to the transfer service, without Garabaly needing to make an individual decision to that effect.
2.3 The transfer recipient must also hold a verified account and have an active (non-frozen) wallet. Any transfer to a frozen wallet or to an account that has not completed the identity verification procedure is refused.
2.4 On an exceptional and revocable basis, Garabaly may grant an administrative exemption to a user whose situation justifies it (for example: a cooperative treasurer whose orders are still being processed). Any exemption is documented, justified, and revocable at any time.
3.1 Monthly limit. The cumulative amount of a user's transfers — outgoing and incoming, tracked separately — over a rolling thirty (30) day period is capped based on their actual marketplace activity on the platform.
The cap is calculated as follows: fifty percent (50%) of the total volume of completed marketplace orders by the user (as buyer, seller, or service provider) over the last ninety (90) days, with:
This mechanism ensures that each user's transfer capacity is proportional to their actual commercial activity on the marketplace.
3.2 Per-transaction limits. Each individual transfer is subject to the following limits:
3.3 Order linkage requirement. For any transfer of an amount equal to or greater than two hundred thousand (200,000) CFA francs, the user must link the transaction to an existing marketplace order on the platform.
3.4 Incoming cap. A user may not receive, from senders with whom they have no documented marketplace relationship on the platform, a cumulative amount exceeding one hundred thousand (100,000) CFA francs per rolling thirty (30) day period. This measure aims to prevent the use of a wallet as a collection point for diverted purposes.
3.5 Refusal notification. When a transfer is refused due to a cap applicable to the recipient, the sender is informed of the refusal without any information regarding the recipient's cap, balance, or wallet status being disclosed.
3.6 Cap changes. Garabaly reserves the right to modify the caps defined in this Article for operational, regulatory, or security reasons. Any change unfavorable to the user triggers the re-acceptance procedure provided for in Article 8.
3bis.1 A transfer between two users who hold the same currency carries no conversion fee.
3bis.2 When the sender and the recipient hold different currencies, Garabaly converts the amount at a rate fixed for a short period and shown to you, together with a small conversion fee, before you confirm. You see exactly how much will leave your wallet and how much the recipient will receive before approving the transfer.
3bis.3 If you do not confirm within the time shown, the quoted rate expires and you may request an updated one. No transfer and no fee occur until you confirm.
4.1 First transfer to a new recipient. The first transfer to a recipient with whom the user has never made a transfer before is subject to a twelve (12) hour hold. This hold is automatically lifted at the end of the specified period. The user may cancel the transfer at no cost during the entire hold period.
A recipient is considered known once at least one prior transfer has been successfully executed between the same parties. The hold is also lifted when the sender and recipient have a documented marketplace relationship on the platform within the last ninety (90) days (completed order as buyer, seller, or service provider).
4.2 High-value transfers. Any transfer exceeding five hundred thousand (500,000) CFA francs is subject to a two (2) hour hold, including to a known recipient.
4.3 Mandatory reason. Each transfer must be accompanied by a reason selected by the user from the following categories: revenue sharing, gift, payment of an assistant or intermediary, family remittance, correction or refund, other reason. The user may additionally add a free-text note. Omission of the reason results in refusal of the transfer.
4.4 Code confirmation. Each transfer requires the entry of a single-use confirmation code sent to the user. After three (3) unsuccessful attempts, the transaction must be cancelled and re-initiated by the user.
5.1 Garabaly reserves the right to immediately and without notice freeze a user's wallet in the event of reasonable suspicion, supported by the platform's technical controls or by manual review, regarding any of the following cases:
5.2 The freeze suspends all outgoing transfers. It may be extended, by reasoned decision of the compliance officer, to withdrawals, future receipts, and the creation of marketplace orders.
5.3 The user is notified of the freeze by a notification. Garabaly is not required to disclose the detailed reason for the freeze when a suspicious activity report has been filed with the competent authority or when disclosure would risk compromising an ongoing investigation conducted by a competent authority, in accordance with the legislation of the West African Economic and Monetary Union (WAEMU) on anti-money laundering.
5.4 Lifting of the freeze is subject to the completion of the internal compliance review and, where applicable, to the decision of the competent authority. A user whose wallet has been frozen may be assigned a reduced trust level for a period determined by Garabaly.
6.1 In accordance with anti-money laundering and counter-terrorism financing obligations applicable in the WAEMU zone, data relating to the wallet and its transactions are retained for a minimum period of ten (10) years from the date of the transaction or the closure of the business relationship, whichever is later, or any longer period required by a competent authority in the context of ongoing proceedings.
6.2 This includes in particular: identity documents, authentication and session logs, all wallet movements, escrow operations, orders, security events, transfer reasons, and the history of acceptance of these Conditions.
6.3 Closure of the user account does not terminate the legal obligation of retention for the period specified above.
7.1 Any user who contests a measure taken under these Conditions — including a transfer refusal, an applied cap, a hold, or a wallet freeze — may submit a complaint to Garabaly support through the channels indicated in the application.
7.2 The complaint is reviewed with a fresh perspective and, where possible, by a person other than the one who initiated the contested measure. A reasoned response is provided within a reasonable timeframe, subject to the confidentiality obligations applicable to compliance procedures (Article 5.3).
7.3 The user retains, in any event, the right to bring the matter before the competent court in accordance with Article 9 of these Conditions.
8.1 The current version of these Conditions is indicated in the header of this document.
8.2 These Conditions are presented to the user when they become eligible for the transfer service — typically, upon completion of their first marketplace order meeting the conditions of Article 2. Acceptance constitutes a separate act from acceptance of the General Terms of Use of the platform.
8.3 Acceptance is recorded with the date, time, version accepted, and the date on which the eligibility criteria were met. The absence of valid acceptance for the current version constitutes grounds for ineligibility within the meaning of Article 2.
8.4 Any material update to these Conditions — including any modification of a threshold unfavorable to the user, any addition of an obligation, any modification of the right to freeze, or of the data retention period — triggers the presentation of a new acceptance prompt before the next transfer. Until the new version is accepted, the user is treated as ineligible within the meaning of Article 2.
8.5 These Conditions are available in French (reference version), English, and Arabic. In the event of a discrepancy in interpretation between versions, the French version shall prevail.
9.1 These Conditions are governed by the laws of the Republic of Mali.
9.2 Prior to any judicial or arbitral proceedings, the parties undertake to seek an amicable settlement of the dispute within thirty (30) days from the date of written notification of the dispute by one party to the other.
9.3 Failing amicable agreement within the above period, any dispute relating to the interpretation or performance of these Conditions may be brought before the competent courts of Bamako, without prejudice to the parties' right to resort to arbitration by the Common Court of Justice and Arbitration (CCJA) of OHADA, in accordance with its arbitration rules in force.
10.1 Garabaly cooperates with competent authorities, including the National Financial Information Processing Units (CENTIF), the Central Bank of West African States (BCEAO), and judicial authorities, in accordance with applicable legal obligations in the WAEMU zone.
10.2 This cooperation includes, without limitation, the filing of suspicious activity reports, responses to judicial requisitions, and the provision of data retained under Article 6.
10.3 Cooperation with competent authorities may be initiated without prior notification to the user concerned, under the conditions and within the limits provided by applicable legislation.
11.1 Severability. If any provision of these Conditions is declared null or unenforceable by a competent court, the remaining provisions shall remain in full force and effect.
11.2 Non-waiver. Failure by Garabaly to exercise a right or invoke a clause of these Conditions shall not be construed as a waiver of such right or clause.
11.3 Entirety. These Conditions, together with the General Terms of Use of the platform, constitute the entire agreement between the user and Garabaly regarding the wallet and user-to-user transfer service.
For any questions regarding these Conditions: [email protected]
Garabaly — Bamako, Republic of Mali
Updated October 7, 2026 — effective October 21, 2026
The following changes apply on publication: wording corrections; the clarifications on fees (section 5), on our email addresses (section 6) and on how the money for a purchase is paid out (section 8).
Garabaly sends people to livestock markets to introduce the platform and help herders use it. That is useful work, and it is our job. But wherever there are people in the field, sooner or later someone will falsely claim to have been sent by Garabaly. This page sets out exactly what a Garabaly person may do, what they may never do, and how to check in one minute.
No field agent, contractor, facilitator, relay point or partner may make a commitment on Garabaly's behalf. Only writing issued by Garabaly binds it. A promise made out loud by someone at a market binds only that person. This rule also appears at article 15 of our Terms of Service.
Garabaly charges buyers no commission and no platform fee. A platform fee is charged to sellers and service providers on the successful completion of a transaction, and the percentages are displayed transparently in the app. There is no registration fee, no file fee, no assistance fee. If someone asks you for money in Garabaly's name, it is not Garabaly.
Ask for their name, then call or message Garabaly:
Our email addresses all end in @garabaly.com; our official address is [email protected].
We will confirm the same day whether that person works for Garabaly and what they are authorized to do. Someone genuinely sent by Garabaly has no reason to refuse the check, and no reason to be in a hurry. Until you have checked: hand over no money, no animal and no document, and sign nothing.
The 6-character confirmation code is entered by the buyer alone, in the app, once the livestock has been received and inspected to full satisfaction. No one will ask you for it — not an agent, not Garabaly support, not anyone claiming to be from Garabaly. If you lose your code, support verifies your identity and issues a new one: it never asks you for the old one. The same goes for your PIN. Such a request is, by itself, the sign of an attempted fraud.
The money for a purchase paid in the app is held in escrow; nothing is paid out before the buyer has entered their confirmation code, and the seller's share is released to the seller at the end of the 24-hour buyer-protection window — see our Escrow Policy. A sale closed off the platform, or settled in cash hand to hand, carries none of these protections, and Garabaly can do nothing for you if a dispute arises.
If someone invokes Garabaly's name to ask you for money, to obtain your code, or to make you sell off the platform, report them. Give the name, the place and the date, and a photo, if you can take one safely.
We immediately suspend any account involved, inform the market authorities, and refer the matter to the competent authorities where the facts warrant it.
This policy applies to anyone acting on Garabaly's behalf, whatever their title — agent, business development officer, contractor, facilitator, relay point, partner. It forms an integral part of our Terms of Service. Any substantial change is announced in the app at least 14 days before it takes effect.
For any question about this policy, or to check on a person:
Garabaly — Bamako, Republic of Mali
