Terms & conditions

1. Agreement and electronic consent

These Terms & Conditions ("Terms") govern your use of the Tasko website (tasko.ng), the Tasko and Tasko Pro mobile applications for Android and Apple devices, and related services (collectively, the "Platform") operated by Tasko General Concepts / Tasko Nigeria ("Tasko", "we", "us"). By creating an account, clicking to accept, or using the Platform, you provide electronic consent to these Terms, our Privacy Policy (https://tasko.ng/privacy), Acceptable Use Policy (https://tasko.ng/acceptable-use), Refund Policy (https://tasko.ng/refunds), and Dispute Policy (https://tasko.ng/disputes). If you do not agree, do not use Tasko. We may record the version and timestamp of your acceptance.

2. Who may use Tasko

You must be at least 18 years old and capable of entering a binding contract under Nigerian law. Specialists must provide accurate profile, service, and payout information and agree to the Specialist Agreement (https://tasko.ng/specialist-agreement). You are responsible for keeping login credentials secure and for all activity on your account.

3. What Tasko is

Tasko is a technology marketplace that helps clients find independent service specialists ("Specialists") for home and local services in Nigeria. Tasko is not the employer of Specialists and does not perform the underlying trade, repair, cleaning, or other service work. Specialists are independent contractors responsible for their own tools, licences, taxes, insurance (where required), and conduct.

4. Tasko's role in transactions

Tasko is not a party to the service contract between client and Specialist for the physical work. Delivery, quality, timing, and safety of the service are primarily matters between those parties, subject to the payment and dispute protections described here.

• Provide the Platform for job posting, offers, chat, and status tracking.
• Facilitate Tasko Pay checkout and payment flows through licensed payment partners (including Flutterwave), which may include payment holds until job completion and Flutterwave bank transfers to specialists.
• Operate optional verification and trust indicators for Specialists.
• Provide customer support and dispute resolution according to our policies.
• Charge platform fees disclosed before you confirm a hire.

5. Posting jobs and offers

Clients may post job requests with accurate descriptions and locations. Specialists may submit offers with honest pricing and availability. Tasko may remove content that is unlawful, abusive, misleading, or violates these Terms. Either party may decline or cancel in accordance with in-app flows and applicable cancellation rules.

6. Tasko Pay, split payments, and settlement

Payment processing:

• When you hire a Specialist, you pay through Flutterwave's secure checkout (card, bank transfer, or USSD where available).
• Unless otherwise agreed, hire amounts cover workmanship (labour). Materials and parts are usually separate.
• After assessing a job on site, a Specialist may request additional payment through Tasko if the work is larger than originally described — that is how Tasko works.
• Depending on configuration with Flutterwave, Tasko may (a) collect payment and release funds after completion or dispute resolution, and/or (b) use Flutterwave Split Payments so platform fees and specialist shares are divided at checkout via specialist subaccounts, with bank settlement delayed until job completion or dispute clearance where supported.
• Platform fees are shown before you confirm payment. Specialists receive the net amount after applicable fees.
• Paying a Specialist outside Tasko Pay (cash, personal transfer, etc.) is at your own risk and is not protected by Tasko Pay or our dispute process.
• Tasko is not a bank. Collection, splits, settlement, and transfers are processed by Flutterwave under CBN-regulated terms.

7. Refunds and cancellations

If you cancel after hiring but before work starts or before the specialist arrives, you get a full refund to the bank or card you paid with. Further refund eligibility, methods, and timelines are set out in our Refund Policy (https://tasko.ng/refunds). If work is unsatisfactory after it has started, open a dispute before confirming completion where possible. Nothing in these Terms limits mandatory rights under the Federal Competition and Consumer Protection Act 2018 (FCCPA).

8. Specialist verification and KYC

Verification details and EDD: https://tasko.ng/kyc-aml. False KYC may lead to rejection, badge removal, or account closure. Privacy: https://tasko.ng/privacy.

• Account: email address, name, profile photo, service categories, and work zones.
• Optional identity verification: National Identification Number (NIN), NIN card image, and related identity checks.
• Optional face verification: live selfie compared to profile photo; may be auto-reviewed or queued for human review.
• Payout: Nigerian bank account (NUBAN) and bank code, verified through Flutterwave; transfer recipient and/or subaccount for earnings.
• Profile: bio, portfolio photos, certificates, availability, and receipt email preferences where provided.

9. Enhanced Due Diligence (EDD), AML, and sanctions

Tasko applies risk-based controls appropriate to a marketplace. Users must not use Tasko for money laundering, terrorist financing, or sanctions evasion. See https://tasko.ng/kyc-aml and https://tasko.ng/acceptable-use.

• Manual review of NIN and identity submissions.
• Manual review of face verification where automated checks are inconclusive.
• Background check flags and dispute/chargeback monitoring.
• Risk-based EDD triggers (high amounts, velocity, mismatches, fraud flags).
• Watchlist/sanctions screening for payout recipients where enabled; hits require manual clearance.
• Account suspension and payout freezes for fraud, AUP breaches, or partner requirements.

10. Acceptable Use Policy

You must comply with our Acceptable Use Policy at https://tasko.ng/acceptable-use, which prohibits illegal services, fraud, off-platform payment circumvention, harassment, child exploitation, weapons, money laundering, fake reviews, and other abusive conduct. That page is incorporated into these Terms by reference.

11. Disputes, appeals, and chargebacks

Clients and Specialists should first attempt to resolve issues in Tasko chat. Either party may open a dispute on an eligible paid job in the app (or contact help@tasko.ng). Tasko reviews evidence and may release funds, refund the client (full or partial), or apply a split. Parties may appeal a resolution within the window shown in the Dispute Resolution Center, subject to payment-partner constraints. Contact support before filing a card chargeback. Full process: https://tasko.ng/disputes. Refunds: https://tasko.ng/refunds.

12. User-generated content and intellectual property

Tasko owns the Platform, brand, software, and content we create. You retain ownership of content you upload but grant Tasko a worldwide, non-exclusive licence to host, display, and process it to operate the service, resolve disputes, prevent fraud, and improve the Platform. You must not upload content that infringes others' rights. You must not use Tasko trademarks without written permission.

13. Communications

We may send service notifications (job updates, payment status, security alerts, dispute deadlines) by in-app message or email. Marketing messages are sent only where permitted by law and your preferences. You can manage some preferences in-app; essential service messages cannot be fully opted out while you use Tasko.

14. Taxes

You are responsible for determining and paying any taxes arising from your use of Tasko or from services you provide or receive. Tasko may issue or facilitate receipts where configured but does not provide tax advice.

15. Data retention and privacy

Personal data is processed under our Privacy Policy (https://tasko.ng/privacy) and Cookie Policy (https://tasko.ng/cookies). We retain account, transaction, KYC, and dispute records as needed for operations, fraud prevention, and legal obligations.

16. Suspension, termination, and platform discretion

You may stop using Tasko at any time. We may suspend or terminate access for breach, risk, inactivity, legal requirement, or payment-partner direction. We may refuse jobs, offers, or payouts that appear fraudulent or unlawful. Provisions that by nature should survive (payment obligations, liability limits, dispute resolution, privacy, IP) continue after termination.

17. Limitation of liability

To the fullest extent permitted by Nigerian law, Tasko is not liable for indirect, incidental, or consequential damages arising from use of the Platform or from services performed by Specialists. Our total liability for any claim relating to the Platform is limited to the fees paid to Tasko for the transaction giving rise to the claim in the preceding three months, except where liability cannot be limited by law (including fraud or personal injury caused by our negligence).

18. Indemnity

You agree to indemnify Tasko against claims arising from your breach of these Terms, your misuse of the Platform, or services you provide or receive.

19. Force majeure

Tasko is not liable for delays or failures caused by events beyond reasonable control, including natural disasters, war, terrorism, labour disputes, utility failures, epidemic, government action, or widespread internet/payment-network outages.

20. Governing law, mediation, and disputes with Tasko

These Terms are governed by the laws of the Federal Republic of Nigeria. We encourage contacting help@tasko.ng before formal proceedings. If unresolved, disputes may be referred to mediation in Abuja or Lagos where both parties agree, or to competent courts in Lagos State (non-exclusive), without prejudice to mandatory consumer rights under the FCCPA or NDPA.

21. Changes

We may update these Terms. Material changes will be posted on this page with a new "Last updated" date and, where required, additional notice. Continued use after changes constitutes acceptance.