Terms of Service

By accessing or using Fonlok (fonlok.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the platform. Fonlok is operated by BranCodeX, registered in Cameroon.

Fonlok is an escrow payment platform that holds funds on behalf of buyers and sellers during commercial transactions. Fonlok acts as a neutral third party and releases funds only when both parties fulfil their obligations. Fonlok is not a bank, financial institution, or payment processor.

You must be at least 18 years old and legally capable of entering into contracts under Cameroonian law to use Fonlok. By registering, you confirm that all information you provide is accurate and complete.

You are responsible for maintaining the confidentiality of your account credentials. You are solely responsible for all activity that occurs under your account.

You agree to notify Fonlok immediately at support@fonlok.com if you suspect any unauthorised access to your account.

Sellers are charged a service fee of 3% of the invoice value, deducted at the time funds are released. Fonlok reserves the right to update its fees with reasonable notice. Buyers pay no Fonlok fees unless otherwise stated.

When a buyer pays an invoice, funds are held by Fonlok in escrow until the buyer confirms delivery or until a dispute is resolved. Fonlok does not release funds to the seller until one of these conditions is met. Fonlok reserves the right to hold funds for a reasonable period during dispute investigation.

Either party may raise a dispute through the Fonlok dashboard. Fonlok will review all evidence submitted and make a final determination. Fonlok's decision in a dispute is final. Fonlok will not be held liable for losses resulting from fraudulent activity by either party.

You may not use Fonlok for:

• Illegal goods or services
• Fraud, money laundering, or identity theft
• Any activity that violates Cameroonian law
• Transactions involving prohibited items under applicable law

Fonlok reserves the right to freeze or terminate accounts engaged in prohibited activity without notice.

Fonlok's liability to any user shall not exceed the total fees paid by that user in the 30 days preceding the claim. Fonlok is not liable for indirect, incidental, or consequential damages arising from the use or inability to use the platform.

These Terms are governed by the laws of the Republic of Cameroon. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Cameroon.

Fonlok may update these Terms at any time. Continued use of the platform after changes constitutes acceptance of the updated terms. We will notify users of significant changes by email.

For questions about these Terms, contact us at support@fonlok.com.