CraftRanked Terms of Service

Last Updated: November 13, 2025 Effective Date: November 13, 2025

Acceptance of Terms
Platform Description & Services
User Accounts
User Responsibilities & Conduct
Booking Process & Payments
Platform Fees
Cancellation & Refunds
Dispute Resolution
Intellectual Property
Limitation of Liability
Nigerian Law Compliance
Termination of Service
Changes to Terms
Contact Information

1. Acceptance of Terms

Welcome to CraftRanked! By accessing or using our platform at www.craftranked.com or through our mobile applications, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not use our platform.

These Terms constitute a legally binding agreement between you and CraftRanked Technologies Limited, a company registered in Lagos, Nigeria.

Who These Terms Apply To

Customers: Individuals or businesses booking services through CraftRanked
Artisans: Service providers offering their skills through CraftRanked
Visitors: Anyone browsing our platform

By creating an account or making a booking, you confirm that:

You are at least 18 years old
You have the legal capacity to enter into binding contracts
All information you provide is accurate and complete
You will comply with all applicable Nigerian laws

2. Platform Description & Services

What CraftRanked Does

CraftRanked is a digital marketplace that connects customers with skilled artisans across Nigeria. We are based in Lagos but serve customers nationwide.

Services Available:

🏠 Home Services: Plumbing, electrical, carpentry, painting, cleaning, AC repair
🎉 Event Services: Catering, photography, decoration, MC services, entertainment
🎨 Creative Services: Graphic design, fashion design, makeup, hairstyling, tailoring
🔧 Technical Services: Phone/laptop repair, CCTV installation, generator repair
🚗 Automotive Services: Car wash, detailing, mechanic services

What We Are NOT

Important: CraftRanked is a platform, not a service provider. We:

❌ Do NOT employ the artisans
❌ Do NOT provide the services ourselves
❌ Do NOT guarantee the quality of services (but we help resolve issues)
✅ DO facilitate connections between customers and artisans
✅ DO provide payment escrow and insurance coverage
✅ DO assist with dispute resolution

Artisans are independent contractors, not CraftRanked employees.

3. User Accounts

Creating an Account

To use CraftRanked, you must create an account by providing:

Full name
Valid email address
Phone number (Nigerian number)
Password (secure, at least 8 characters)

Account Types

Customer Account

Book services from verified artisans
Make payments through our secure platform
Leave reviews and ratings
Earn referral commissions (optional)

Artisan Account

Offer services to customers
Receive bookings and payments
Build your reputation through reviews
Must complete verification process

Verification Requirements

For Artisans (Required before accepting bookings):

✅ Email verification
✅ Phone number verification (OTP)
✅ National Identity Number (NIN) verification
✅ Professional documents (certificates, portfolio)
✅ Bank account verification

For Customers (Optional but recommended):

✅ Email verification
✅ Phone number verification

Account Security

Your Responsibilities:

Keep your password confidential
Do NOT share your account with others
Notify us immediately if you suspect unauthorized access
Update your information when it changes

We will NEVER ask for your password via email, phone, or message.

4. User Responsibilities & Conduct

Acceptable Use

You agree to use CraftRanked only for lawful purposes. You may NOT:

❌ Post false or misleading information ❌ Impersonate others or create fake accounts ❌ Harass, abuse, or threaten other users ❌ Use the platform for illegal activities ❌ Attempt to bypass our payment system ❌ Share offensive, defamatory, or harmful content ❌ Scrape or copy our content without permission ❌ Manipulate reviews or ratings ❌ Contact artisans directly to avoid platform fees (this violates our terms)

Customer Responsibilities

Provide accurate service requirements
Be present at the agreed location and time
Make payments through the platform
Treat artisans with respect
Report any issues promptly

Artisan Responsibilities

Provide accurate service descriptions and pricing
Arrive on time for bookings
Deliver quality services as described
Use appropriate materials and tools
Maintain professional conduct
Report any issues or delays immediately

Consequences of Violation

Violations may result in:

Warning notices
Temporary suspension
Permanent account termination
Legal action (for serious violations)
Reporting to Nigerian law enforcement (if criminal activity)

5. Booking Process & Payments

How Bookings Work

Customer browses services and selects an artisan
Customer sends booking request with details and preferred date/time
Artisan reviews and accepts/declines/proposes changes
Customer makes payment once artisan accepts
Service is delivered on agreed date
Customer confirms completion or reports issues
Payment is released to artisan (minus platform fee)

Payment Methods

We accept the following payment methods in Nigeria:

💳 Card Payments: Visa, Mastercard, Verve 🏦 Bank Transfer: All Nigerian banks 💰 USSD: Bank USSD codes

Payment Processors: We use Flutterwave and Paystack for secure payment processing.

Note: Additional payment methods may be added in the future.

Payment Escrow System

For Your Protection:

Payments are held securely by CraftRanked
Released to artisans only after service completion
Refunded to customers if service is not delivered
Protects both parties from fraud

Payment Release Timeline:

Automatic release: 48 hours after customer confirms completion
Manual confirmation: Customer can release payment immediately
Dispute: Payment held until dispute is resolved

Payment to Artisans

Artisans receive payments:

After platform fee deduction (15% of booking amount)
Within 24-48 hours of payment release
To verified bank account provided during registration
No cash payments - all payments through the platform

6. Platform Fees

Fee Structure

CraftRanked charges a 15% platform fee on all bookings to maintain and improve our services.

Breakdown of the 15% Fee:

| Component | Percentage | Purpose | |-----------|-----------|---------| | Platform Fee | 4% | Operations, maintenance, customer support | | Commission Pool | 11% | Shared with referrers based on tier | | Total | 15% | Deducted from booking amount |

How Fees Are Applied

Example: ₦100,000 Booking

Booking Amount:          ₦100,000
Platform Fee (4%):       -₦4,000
Commission Pool (11%):   -₦11,000
Artisan Receives:        ₦85,000 (85%)

If booking has a referrer:

Referrer earns 1.1% - 3.3% (based on tier)
CraftRanked keeps the remaining portion
Artisan still receives 85%

What the Fee Covers

Your 15% platform fee includes:

✅ Payment Processing & Escrow ✅ Insurance Coverage (up to ₦2,000,000 per booking) ✅ Customer Support (phone, chat, email) ✅ Dispute Resolution Services ✅ Platform Maintenance & Security ✅ Fraud Prevention & Verification ✅ Marketing & Customer Acquisition

No Hidden Fees

We believe in transparent pricing. The price you see is the price you pay (plus any applicable taxes).

No charges for:

Creating an account
Browsing services
Messaging artisans
Leaving reviews
Cancellations (within policy)

7. Cancellation & Refunds

Customer Cancellations

Before Artisan Accepts:

✅ Full refund (100%)
✅ No penalty

After Artisan Accepts (Before Service Date):

More than 24 hours before: Full refund (100%)
12-24 hours before: 50% refund
Less than 12 hours before: 25% refund
No-show: No refund (0%)

Refund Timeline: 3-5 business days to original payment method

Artisan Cancellations

If an artisan cancels after accepting:

Customer receives full refund immediately
Artisan may receive penalty points
Repeated cancellations may lead to account suspension

Emergency Cancellations: If artisan has a genuine emergency (with proof), penalties may be waived.

Service Not Delivered

If the artisan fails to show up:

✅ Full refund (100%)
✅ ₦5,000 compensation credit
⚠️ Artisan receives strike on account

Partial Completion

If service is partially completed:

Dispute opened automatically
CraftRanked team reviews evidence
Partial payment may be released based on work completed
Refund issued for uncompleted portion

Refund Process

How to Request Refund:

Go to "My Bookings"
Select the booking
Click "Request Refund"
Provide reason and evidence (if applicable)
Wait for review (24-48 hours)

We review refunds within 48 hours and process approved refunds within 5 business days.

8. Dispute Resolution

When Disputes Arise

Disputes may occur due to:

Service quality issues
Pricing disagreements
Incomplete work
Property damage
Payment issues

CraftRanked's Resolution Process

Step 1: Open a Dispute (24 hours)

Report issue through platform
Provide photos, videos, or other evidence
Both parties can submit their side

Step 2: CraftRanked Mediation (2-5 days)

Our team reviews all evidence
We may contact both parties for clarification
We propose a fair resolution

Step 3: Resolution Possible outcomes:

Full refund to customer
Partial refund to customer
Payment released to artisan
Partial payment to both parties
Additional compensation from insurance

Both parties must accept our decision as final.

Escalation to Arbitration

If you disagree with our resolution:

You may request arbitration under Nigerian law
Arbitration to be conducted in Lagos, Nigeria
Costs shared equally between parties
Arbitrator's decision is final and binding

Legal Action

If arbitration fails:

Either party may pursue legal action
Jurisdiction: Lagos State Courts, Nigeria
Governing Law: Nigerian law

We encourage resolution through our platform first, as it's faster and free.

9. Intellectual Property

CraftRanked's Property

All content on CraftRanked is owned by us or licensed to us:

We own:

CraftRanked name, logo, and branding
Website design and code
Original text, graphics, and photos
Platform features and functionality

You may NOT:

Copy or reproduce our content without permission
Use our logo or branding without written consent
Create derivative works based on our platform
Reverse engineer our software

User-Generated Content

Content You Upload: When you post content on CraftRanked (photos, reviews, service descriptions), you grant us:

A worldwide, non-exclusive license to use, display, and distribute your content
The right to moderate, edit, or remove content that violates our policies
The right to use your content for marketing purposes

You retain ownership of your content, but you give us permission to use it.

You represent that:

You own or have rights to all content you upload
Your content does not infringe on others' rights
Your content complies with Nigerian law

Artisan Portfolios

Artisans may showcase their work in portfolios. By uploading work:

You confirm you have client permission (if applicable)
You verify the work is your own
You allow CraftRanked to display it on your profile

10. Limitation of Liability

Platform "As Is"

CraftRanked is provided "as is" and "as available" without warranties of any kind.

We do NOT guarantee:

Uninterrupted or error-free service
Service quality from artisans
Specific results from using our platform
Compatibility with all devices

What We're NOT Liable For

CraftRanked is NOT responsible for:

❌ Acts or omissions of artisans ❌ Quality of services provided ❌ Damage to property (covered by insurance, see below) ❌ Personal injury (covered by insurance, see below) ❌ Lost business or profits ❌ Indirect or consequential damages ❌ Acts of God (natural disasters, etc.)

Insurance Coverage

Good News: All bookings include insurance coverage up to ₦2,000,000.

Covered:

Property damage during service delivery
Accidental injury to customer or third parties
Loss or theft by verified artisans

To File a Claim:

Report incident within 48 hours
Provide photos and documentation
Submit police report (if applicable)
Wait for insurance review (5-10 business days)

Not Covered:

Pre-existing damage
Intentional misconduct by customer
Wear and tear
Damage not related to service

Maximum Liability

Our total liability to you is limited to:

The amount you paid for the specific booking, OR
₦50,000 (whichever is greater)

This limitation applies to all claims, including breach of contract, negligence, or other legal theories.

Exceptions

These limitations DO NOT apply to:

Fraud or willful misconduct by CraftRanked
Death or personal injury caused by our negligence
Violations of Nigerian consumer protection laws

11. Nigerian Law Compliance

Regulatory Compliance

CraftRanked complies with all applicable Nigerian laws and regulations:

✅ Nigerian Data Protection Regulation (NDPR)

We protect your personal data
We obtain consent for data processing
You have rights to access and delete your data

✅ Companies and Allied Matters Act (CAMA)

CraftRanked is properly registered with CAC
We maintain proper corporate governance

✅ Electronic Transactions and Banking Regulations

We use licensed payment processors
All transactions are properly recorded

✅ Consumer Protection Council (CPC) Guidelines

We protect consumer rights
Fair pricing and transparent terms
Complaint handling mechanism

Tax Obligations

For Customers:

Prices include applicable taxes
VAT may be added where required

For Artisans:

You are responsible for your own taxes
We may report earnings to FIRS (Federal Inland Revenue Service) as required
Withholding tax may apply to large payments

We are NOT tax advisors. Please consult with a Nigerian tax professional.

Anti-Money Laundering (AML)

To comply with Nigerian AML regulations:

We verify user identities
We monitor suspicious transactions
We report suspicious activity to EFCC/NFIU as required
Large transactions may require additional verification

12. Termination of Service

You Can Leave Anytime

You may terminate your account at any time by:

Going to "Account Settings"
Clicking "Delete Account"
Confirming your decision

What happens when you delete:

Your profile and content are removed
Active bookings are cancelled (refunds apply)
You lose access to your history
Your data is deleted per NDPR (within 30 days)

Note: Some data may be retained for legal/compliance purposes.

We May Terminate Your Account

CraftRanked may suspend or terminate your account if:

⚠️ You violate these Terms ⚠️ You engage in fraudulent activity ⚠️ You abuse other users ⚠️ Your account is inactive for 2+ years ⚠️ Required by law

We will notify you (unless legally prohibited) and give you a chance to respond.

Effect of Termination

Upon termination:

You lose access to the platform
Outstanding payments are settled
Active bookings are handled per our policies
Your license to use CraftRanked ends
Sections that should survive (liability, disputes) remain in effect

13. Changes to Terms

We May Update These Terms

CraftRanked reserves the right to modify these Terms at any time.

When we make changes:

We update the "Last Updated" date
We notify you via email and/or in-app notification
We post the new Terms on our website

Material changes (that significantly affect your rights) will be announced 30 days in advance.

Your Options

If you don't agree with the updated Terms:

You may stop using CraftRanked
You may close your account
Continued use means you accept the changes

Check these Terms regularly to stay informed.

14. Contact Information

Need Help?

CraftRanked Technologies Limited

📍 Office Address: Craftranked Nigeria Limited 3rd Floor, AXA Mansard Place 927/928 Bishop Aboyade Cole Street Victoria Island, Lagos, 106104 Nigeria

📧 Email: General: info@craftranked.com Support: support@craftranked.com Legal: legal@craftranked.com

📞 Phone: +234 (0) 803 456 7890 Available: Monday - Friday, 8am - 6pm WAT

💬 Live Chat: Available on our website and app

🌐 Website: www.craftranked.com

📱 Social Media: Instagram: @craftranked Twitter: @craftranked Facebook: /craftranked

Data Protection Officer

For privacy-related inquiries:

Data Protection Officer 📧 dpo@craftranked.com 📞 +234 (0) 803 456 7891

Legal Notices

Company Registration: CraftRanked Technologies Limited RC Number: 1234567 Registered in Lagos, Nigeria

Governing Law: These Terms are governed by the laws of the Federal Republic of Nigeria.

Jurisdiction: Lagos State Courts have exclusive jurisdiction over any disputes.

Language: These Terms are written in English. Translations may be provided for convenience, but the English version governs in case of conflict.

Severability: If any provision is found invalid, the remaining provisions remain in effect.

Entire Agreement: These Terms, along with our Privacy Policy and Service Agreement, constitute the entire agreement between you and CraftRanked.

Acceptance

By using CraftRanked, you acknowledge that:

You have read and understood these Terms
You agree to be bound by these Terms
You will comply with all applicable Nigerian laws
You are at least 18 years old

Thank you for using CraftRanked! 🎉

We're committed to connecting skilled Nigerian artisans with customers who need their services. Together, we're building a more efficient and trustworthy marketplace.

Questions? Contact us at legal@craftranked.com

Last Updated: November 13, 2025 Version: 2.0

Terms of Service