Terms of Service

Last updated: October 2026

1. Acceptance

By creating an account or using Ékié, you agree to these Terms of Service. If you do not agree, please do not use the service.

2. Who can use Ékié

  • You must be 18 or older.
  • You must provide accurate information when creating your account and keep it up to date.
  • Vendors and service providers must be legally authorised to operate a business in Cameroon or in the country where they offer services through our platform.
  • If you add beneficiaries (children, family members, students), you must have the right to act on their behalf for the transaction in question.

3. About Ékié

Ékié is a payment coordination and non-custodial orchestration platform. We help senders pay verified recipients directly for specific outcomes (school fees, foodstuffs, bookings, construction materials, pharmacy) and help families coordinate contributions through Care Circles. Ékié is operated by EKIE LTD (Yaoundé, Cameroon, D-U-N-S 369982596).

Important: Ékié never holds user funds. Funds move from you, through licensed payment processors, to the recipient's account. For Akao contributions, funds are held by a licensed financial-institution partner, not by Ékié.

4. Your account

You are responsible for:

  • Keeping your login credentials (PIN, biometric, phone number) secure
  • All activity under your account
  • Providing accurate information and updating it when it changes
  • Any beneficiary data you provide

5. Features

School Fees. You pay a verified school directly for a named student's tuition or related fees. Funds go to the school, not to Ékié.

Skip the Queue. You pre-pay a verified vendor for a specific item or service; the vendor confirms with a photo on pickup. Your purchase is complete when the pickup is confirmed.

Bookings. You book services (travel, health, home services, cakes, tables and more) through verified providers. Terms specific to each booking are set by the provider.

Marketplace. You buy from vetted vendors. Each vendor is responsible for their own products, descriptions, pricing and delivery. Ékié provides the discovery and payment layer.

Akao. A daily contribution feature. Funds you contribute are held by a licensed financial-institution partner, not by Ékié. You may withdraw contributions in line with the plan terms. Ékié is not a bank, is not licensed to accept deposits, and does not pay interest.

Care Circles. You and other members coordinate shared contributions toward a beneficiary. Each member is responsible for their own contribution. Ékié provides the coordination and tracking layer only.

Vendors and schools. Vendors, service providers, and school partners are also subject to a separate Vendor Agreement or School Partnership Agreement at onboarding, which covers business-specific terms including payout schedules, service levels, and data handling in the vendor and school portals.

6. Payments and fees

Payments are processed by CinetPay (for mobile money in Cameroon — MTN Mobile Money and Orange Money), dLocal, and Kora (for international card payments and cross-border payouts). Ékié's own fees are disclosed at checkout and on our pricing page.

Refunds depend on the vendor's or provider's refund policy. For disputes, see §9.

7. Acceptable use

You may not:

  • Use Ékié for any illegal activity, including money laundering or terrorism financing
  • Post false, misleading or harmful content
  • Impersonate any person or organisation
  • Create multiple accounts to evade restrictions
  • Attempt to probe, scan or breach our systems
  • Use automated means (bots, scrapers) to access the service without written permission
  • Harass, threaten or exploit other users

8. Suspension and termination

We may suspend or close accounts that:

  • Violate these Terms
  • Are suspected of fraud, abuse, or money laundering
  • Pose a risk to other users or to the platform
  • Have been inactive for extended periods (we will notify you first where feasible)

You may close your account at any time; see our Privacy Policy for how long data is retained after closure.

9. Dispute resolution

If you have a dispute:

  1. First, contact the vendor or provider directly through the app.
  2. If unresolved, contact Ékié at support@myekie.com; we will try to mediate within 15 business days.
  3. If still unresolved, disputes are subject to the courts of Yaoundé, Cameroon.

10. Limitation of liability

Ékié provides the platform "as is." To the fullest extent permitted by law, Ékié is only liable for damages directly caused by Ékié's negligence or willful misconduct.

We are not liable for:

  • Fraud, non-delivery, misconduct or quality issues attributable to vendors, service providers, schools, or other users
  • Failure, malfunction or delay of mobile networks, SMS gateways, internet connectivity, or third-party payment processors (including CinetPay, dLocal, Kora and others)
  • Losses arising from you sharing your PIN, biometric, phone, device or login credentials with any person
  • Force majeure events (natural disasters, strikes, pandemics, government action, war)
  • Regulatory changes outside Ékié's control
  • Currency fluctuations, exchange-rate movements or inflation
  • Indirect, incidental, consequential or punitive damages; loss of profits, data, goodwill or opportunity

Where we are liable, our total liability for any claim is limited to the greater of: (a) the fees you paid to Ékié in the 12 months preceding the incident, or (b) 500,000 XAF (approximately $850).

Claim process. Claims must be made in writing to support@myekie.com within 30 days of the incident, with specific details, supporting evidence and the amount claimed. You bear the burden of proving the loss and that it was directly caused by Ékié. Claims not meeting these requirements will not be considered.

No class actions. Each claim must be brought individually. No aggregated or class claims are permitted.

Bad-faith claims. Ékié reserves the right to suspend or terminate the accounts of users who repeatedly file unsubstantiated claims or act in bad faith.

11. Governing law

These Terms are governed by the laws of the Republic of Cameroon. Disputes are subject to the courts of Yaoundé, Cameroon.

12. Changes to these Terms

We may update these Terms. Material changes will be communicated in-app and by email at least 30 days before taking effect, where feasible. Your continued use of Ékié after the effective date constitutes acceptance.

13. Contact

General questions: hello@myekie.com. Legal and formal notices: admin@myekie.com.