Terms of Use

By downloading, installing, or using any Murika application (Murika App, Murika Agent App, Murika Logistics App) or by accessing our website at murika.co.rw, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use our Services.

These Terms constitute a legally binding agreement between you and Murika Ltd, a company registered in Rwanda ("Murika", "we", "our", or "us"). These Terms should be read together with our Privacy Policy, which explains how we collect, use and protect your personal data and is incorporated into these Terms by reference. We may update these Terms from time to time; your continued use of the Services after an update constitutes acceptance of the revised Terms.

You must be at least 16 years old to use Murika as a buyer or to browse the platform. To register as a farmer, cooperative, association, field agent, or delivery driver — roles that involve receiving payouts, agreeing to a payment method, or acting as an independent contractor — you must be at least 18 years old and have the legal capacity to enter into a binding contract under Rwandan law.

By using our Services, you represent and warrant that:

• You meet the age requirement that applies to your role

• You have the legal capacity to enter into these Terms

• All information you provide during registration is accurate and current

• You will maintain the accuracy of such information

Murika reserves the right to suspend or terminate accounts that violate these eligibility requirements.

Murika operates a digital agricultural marketplace that includes:

Murika Marketplace (Farmer App): Enables farmers to list produce, manage stock, receive orders, and connect with buyers across Rwanda.

Murika Agent App: Enables field agents to conduct farm site visits, verify farmer profiles and stock, and submit reports through the platform.

Murika Logistics App: Enables independent delivery drivers to accept deliveries, manage pickups and drop-offs, and track shipments in real time. While a delivery is in progress, the app shares the driver's live location with the farmer, the buyer and Murika (see Section 5).

Murika Website: Provides company information, support resources, and access to platform services.

Murika acts as an intermediary platform. We do not own, buy, or sell agricultural produce directly, and we are not a party to transactions between farmers and buyers unless explicitly stated.

Registration: You must create an account to access most features. You agree to provide accurate, complete, and current information.

Account Security: You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at info@murika.co.rw if you suspect unauthorised access to your account.

One Account Per User: You may not create multiple accounts or share your account with others.

Account Termination: We reserve the right to suspend or permanently terminate your account if you violate these Terms, engage in fraudulent activity, or misuse the platform.

Farmer Listings: Farmers who list produce on Murika represent and warrant that they are the legitimate owners or authorised sellers of the listed produce, that all information (quantity, quality, price, location) is accurate, and that the produce complies with applicable Rwandan food safety and agricultural regulations.

Listing Verification: Before a farmer's, cooperative's, or association's produce becomes visible to buyers, it must be verified: a Murika field agent visits and records the actual quantity of the produce, and a member of the Murika team then reviews and approves that verification — the listing is only added to the marketplace once that approval is given. Murika guarantees that every listing has gone through this process, except for listings from Trusted Sellers (see below).

Trusted Seller Status: Murika may grant a farmer, cooperative or association Trusted Seller status based on their verification history and trading record. A Trusted Seller may update their own stock directly, without a per-listing agent visit or admin approval, because they have already demonstrated reliability through Murika's verification process. Murika may grant or revoke Trusted Seller status at its discretion. Trusted Seller status does not remove a seller's own responsibility for the accuracy of what they list — see Farmer Listings above.

Prohibited Listings: You may not list produce that is counterfeit, stolen, unsafe for consumption, or otherwise illegal under Rwandan law.

Deliveries and Live Location Sharing: By accepting a delivery in the Murika Logistics App, a driver agrees that their live GPS position is collected and shared with the farmer (while on the way to the pickup), the buyer (from pickup until delivery) and Murika staff, until the delivery is completed or cancelled — including while the app runs in the background. Drivers must keep location services enabled for the whole delivery and must not disable, falsify or tamper with their device's location. Farmers and buyers may use a driver's location and contact details only to coordinate that delivery, and drivers may use a farmer's or buyer's details only for the same purpose. See our Privacy Policy for how location data is handled.

When you add an item to your cart and begin checkout, Murika places a temporary hold on that quantity of stock so it is not sold to another buyer while you complete your order. This hold is time-limited and lapses automatically if checkout is not completed in time; the app shows you the time remaining. Placing an order does not guarantee that the listed price or quantity will remain available beyond that window.

Farmers, cooperatives and associations are responsible for keeping their stock listings accurate and for fulfilling paid orders promptly. Murika may cancel an order, in whole or in part, if the underlying stock turns out to be unavailable, is found to be inaccurately listed, or cannot be safely delivered. See Section 9 (Refunds) for what happens to a payment you already made on a cancelled order.

Weight and Measurement: All produce sold on Murika is weighed using electronic weighing scales, and, except for Trusted Seller listings, that weight is independently confirmed on the ground by a Murika field agent as part of the verification described in Section 5. The weight confirmed during verification is the weight reflected in your order and invoice. Because it has already been independently measured and confirmed before the listing goes live, Murika does not accept disputes based on a buyer re-weighing the produce on a different scale at delivery.

Murika facilitates payments between buyers, farmers, cooperatives, associations, drivers and agents. Depending on what is available to you, you may pay by mobile money (MTN Mobile Money, Airtel Money), bank transfer, or another method shown to you at checkout. Where a service fee or delivery fee applies, it is disclosed to you before you confirm payment. Except for Pay on Delivery and Pay Later orders (see Section 8), you are charged when you place your order.

Payments are processed by us or by regulated third-party payment service providers on our behalf. Murika is not a bank and does not hold your funds in a deposit account.

When Farmers, Drivers and Agents Get Paid: The amount you pay for an order is held by Murika until the order is successfully delivered. Once delivery is confirmed, the farmer, cooperative or association that supplied the produce is paid, and the driver who completed the delivery is paid. Murika's field agents earn a reward for produce sold as part of that order, paid out on a regular schedule together with any other rewards they have earned, such as for verifying farmers and cooperatives. A payout may be delayed beyond delivery, without affecting your order, if a payment provider is temporarily unable to process the transfer.

Tax Invoicing (EBM): Where required by Rwandan law, every qualifying sale is issued an electronic tax invoice through the Rwanda Revenue Authority's e-billing (EBM) system. Murika issues this invoice under its own EBM registration on your purchase; it is not issued by the individual farmer, cooperative or association who supplied the produce.

Pay on Delivery (pay after your order arrives, within a short window shown to you at checkout) and Pay Later (a short-term credit line shown to you in the app, repayable within the term disclosed to you at the time of the order) are only available to buyers Murika has granted Trusted Buyer status. Being a Trusted Buyer does not automatically enable either service — Murika separately decides which of Pay on Delivery and Pay Later, if any, a Trusted Buyer may use, and may grant or withdraw Trusted Buyer status or either service at any time.

If you use Pay on Delivery or Pay Later, you agree to pay the full amount owed within the window shown to you in the app. We will remind you before and after a payment is due. An account with an overdue Pay on Delivery or Pay Later balance may be blocked from placing further deferred-payment orders, and Murika may pursue the amount owed through ordinary legal means. Murika does not charge interest on Pay Later balances; where a maximum outstanding balance applies to your account, it is shown to you in the app.

You may be entitled to a refund of an amount you already paid when: (a) Murika or a farmer cancels your order because the stock is no longer available; (b) your order cannot be delivered through no fault of yours; or (c) you are entitled to a refund under Rwandan consumer protection law. Refunds are issued to the original payment method — or, for Pay on Delivery/Pay Later, applied as a reduction of what you owe — within a reasonable time.

Murika does not issue refunds for produce that was delivered as ordered and matches its listing, or for a change of mind after an order has been confirmed. If you believe an order was not fulfilled correctly, contact us at info@murika.co.rw or through in-app support as soon as possible.

Advances are available only to farmers, cooperatives and associations who have been granted Trusted Seller status (see Section 5). A Trusted Seller may request an advance against expected proceeds from a pending harvest or against stock already on hand, subject to Murika's approval. Murika does not charge interest on advances. An approved advance is repaid automatically: Murika deducts the outstanding balance from your future payouts until the advance is fully repaid, before any remaining balance is paid out to you. By requesting an advance, you authorise Murika to apply your future payouts to your outstanding advance balance in this way.

If you register as a delivery driver or field agent, you do so as an independent contractor, not as an employee, legal agent, partner, or representative of Murika. You are responsible for your own tax obligations and, where applicable, your vehicle, equipment and insurance. Murika does not guarantee a minimum amount of work, deliveries, verifications, or earnings. Earnings are calculated and paid out according to the rates and schedule shown to you in the app, which Murika may update from time to time on reasonable notice.

You agree not to:

• Use the Services for any unlawful purpose or in violation of Rwandan law

• Post false, misleading, or fraudulent listings or information

• Harass, threaten, or harm other users

• Attempt to gain unauthorised access to any part of the platform or another user's account

• Use automated scripts, bots, or scrapers to access the platform

• Reverse-engineer, decompile, or disassemble any part of our applications

• Transmit malware, viruses, or any code of a destructive nature

• Circumvent or manipulate the platform's fee, payout, or rating systems

• Falsify, spoof or interfere with your device's location while performing a delivery

• Use another user's location or contact details for any purpose other than the delivery they were shared for

• Impersonate Murika staff, agents, or other users

• Dispute or reverse a legitimate payment through your payment provider ("chargeback") instead of contacting Murika support

All content on the Murika platform — including but not limited to the logo, brand name, app interfaces, text, graphics, and software — is the property of Murika Ltd and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to use the Services for their intended purpose. You may not reproduce, distribute, or create derivative works from any Murika content without our prior written permission.

By submitting content to the platform (such as produce photos or profile images), you grant Murika a non-exclusive, royalty-free licence to use, display, and distribute that content in connection with operating and promoting the Services.

Murika is an intermediary platform: transactions and deliveries happen between buyers, farmers, cooperatives, associations, and drivers. If a dispute arises between users — for example, about the quality of produce, a missed or damaged delivery, or a payment — you agree to first attempt to resolve it directly, or by contacting Murika support at info@murika.co.rw so we can help. Murika may, at its discretion, take steps such as cancelling an order, adjusting a payout, or suspending an account to address a dispute, but Murika is not obligated to resolve every dispute between users and is not a party to the underlying transaction unless we expressly say so.

These Terms are governed by and construed in accordance with the laws of the Republic of Rwanda, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, the dispute shall be submitted to the competent courts of Rwanda.

We may modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date and, where appropriate, via email or in-app notification. Changes become effective upon posting. Your continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.

Force Majeure: Murika is not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, government action, power or network outages, or widespread payment-provider failures.

Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

Assignment: Murika may assign or transfer these Terms, in whole or in part, in connection with a merger, acquisition, or sale of assets. You may not assign your rights or obligations under these Terms without our written consent.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Murika regarding the Services and supersede any prior agreements on the same subject.

No Waiver: Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

If you have questions about these Terms, please contact us:

Murika Ltd

Musanze, Muhoza, Hanga Hub

Kigali, Rwanda

Email: info@murika.co.rw

Phone: 6069