Your trust matters. Read our policies to understand how we protect your data, govern platform usage, and safeguard every transaction.
Last updated: April 25, 2026
Garabaly ("we", "our", "us") is committed to protecting the privacy and personal data of all users of our livestock marketplace platform. This Privacy Policy explains what information we collect, how we use it, and the rights you have regarding your data.
By using the Garabaly app or website, you consent to the practices described in this policy. We operate in compliance with applicable data protection laws in West Africa and international best practices.
For your safety, Garabaly may review chat messages, voice messages, images, and videos shared through our in-app messaging system under the following circumstances:
Garabaly does not routinely monitor or read user messages. Reviews are conducted only by designated moderation staff, not by all company employees.
Deleted messages: Messages deleted by users are soft-deleted and remain accessible to moderation staff for evidence purposes. Deleted messages are permanently purged 90 days after deletion. This retention exists to protect both parties in the event of a dispute — users should be aware that "delete for everyone" does not remove messages from moderation access during this retention period.
You have the right to request access to your data, including chat records, and to request deletion of your data under applicable law. To exercise these rights, contact privacy@garabaly.com.
We use your information to:
We implement robust security measures to protect your data:
We share your data only in the following circumstances:
We never sell your personal data to third parties for advertising or marketing purposes.
We retain your personal data for as long as your account is active. Transaction records are retained for a minimum of 5 years for legal and regulatory compliance. You may request deletion of your account and associated data at any time by contacting us.
You have the right to:
To exercise any of these rights, contact us at privacy@garabaly.com.
Our website uses essential cookies to maintain your session and preferences (e.g., dark mode, language). We do not use third-party advertising cookies. Analytics cookies, if used, collect only anonymized data.
Garabaly is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us for removal.
We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or via email. Continued use of Garabaly after changes constitutes acceptance of the updated policy.
Last updated: April 25, 2026
By creating an account or using the Garabaly platform (app and website), you agree to be bound by these Terms of Service. If you do not agree, you must not use the platform. These terms apply to all users, including buyers, sellers, service providers, and visitors.
Garabaly is a marketplace platform that connects livestock buyers with sellers and service providers (delivery drivers, butchers, veterinarians). We are not a party to transactions between users. We provide the technology infrastructure — including escrow, chat, payments, and order tracking — but the actual sale and delivery of livestock is between the transacting parties.
Garabaly moderates chat content as part of its marketplace policy. For your safety, messages may be reviewed if a report is filed. By using the in-app messaging system, you acknowledge that:
For your safety, keep conversations on Garabaly and inspect animals before paying. If a report is filed, moderators may review the chat.
Garabaly supports four order pathways:
Orders follow these steps:
Buyers and sellers may negotiate prices through the in-app chat. A transaction is only binding once the buyer confirms the purchase and payment is submitted to escrow.
Sellers pre-approve the sale before checkout. The buyer can complete payment only after the seller has accepted the deal. There is no post-payment seller confirmation step — the order is active as soon as payment is submitted to escrow.
Each order generates a unique 6-character confirmation code. The buyer — and only the buyer — enters this code directly in the app upon satisfactory receipt of the livestock or service. Entering the code triggers the escrow release process. Only enter your confirmation code after you have received and inspected the livestock to your full satisfaction.
Each user has a Garabaly wallet for receiving payments and making purchases. Wallet operations are secured by a personal PIN with built-in fraud prevention. Wallet balances are maintained with auditable financial records and military-grade integrity verification for accuracy.
Users may not:
Violations may result in immediate account suspension, fund freezing, and reporting to relevant authorities.
In the event of a dispute between transaction parties, Garabaly will review the available evidence (chat logs, photos, order data) and mediate a fair resolution. During the dispute process, escrowed funds remain locked until a resolution is reached. Both parties will be given the opportunity to present their case.
Garabaly facilitates transactions but does not guarantee the quality, health, or condition of livestock listed on the platform. We provide escrow protection and verification tools to minimize risk, but buyers should always inspect livestock upon delivery before confirming the transaction. Garabaly's liability is limited to the fees collected for the specific transaction in question.
You may deactivate your account at any time. Garabaly reserves the right to suspend or terminate accounts that violate these terms. Upon termination, any pending transactions will be resolved according to our escrow policy, and remaining wallet balances will be returned to the user.
We may update these Terms of Service from time to time. Material changes will be communicated via in-app notifications or email at least 14 days before taking effect. Continued use of the platform constitutes acceptance of the updated terms.
Last updated: April 25, 2026
Escrow is a financial arrangement where a trusted third party (Garabaly) holds funds on behalf of two transacting parties. When you buy livestock or book a service on Garabaly, your payment is held securely in escrow until the transaction is completed to your satisfaction. This protects both buyers and sellers.
Every Garabaly transaction follows a per-party staged escrow process. Sellers pre-approve before checkout, so payment is only possible once the deal is accepted. After delivery, the buyer has a 24-hour dispute window to raise issues before the seller's share is released; service providers are paid immediately upon completion of their part of the order.
The buyer places an order (after seller pre-approval) and submits payment. Funds are moved from the buyer's wallet or payment method into the Garabaly escrow account. The transaction is active and delivery can proceed.
Delivery is in progress or completed. Service providers (if booked) are paid immediately upon completion of their services. The seller's share remains in escrow during the 24-hour buyer dispute window after delivery. The buyer may enter their confirmation code to confirm satisfaction or file a dispute within 24 hours.
The buyer has entered their 6-character confirmation code (or the 24-hour dispute window has passed with no dispute). The seller's share is released from escrow. The transaction is complete.
The buyer has filed a dispute within the 24-hour window. Escrowed funds remain locked until Garabaly resolves the dispute. Outcomes may include Refunded (full or partial refund to buyer) or release to the seller once the dispute is resolved in the seller's favor.
After delivery, the buyer has a 24-hour dispute window to inspect the livestock or service and either confirm satisfaction (by entering the confirmation code) or file a dispute:
For combined orders involving both a livestock seller and service providers (delivery, butchering, veterinary), escrow protects all parties:
Our escrow system is built on institutional-grade security:
Buyer dispute window: Buyers have a 24-hour window after delivery to dispute the seller portion only. Service provider payments are released immediately upon completion and are not subject to the 24-hour window. If the seller or any service provider does not confirm pre-checkout, no funds are captured. Escrow stages: Funded → Releasing → Released → Disputed/Refunded.
If you receive livestock that does not match the listing description, is unhealthy, or if any other issue arises, you may file a dispute before entering your confirmation code (within the 24-hour window for seller-related disputes). Contact Garabaly support through the app or at support@garabaly.com.
Garabaly is free for buyers — no platform fees, no commissions, no hidden charges. A small platform fee is charged to sellers and service providers upon successful completion of a transaction. Fee percentages are transparently displayed in the app. Escrow holding and release does not incur additional charges.
Garabaly supports four payment types. Escrow protection depends on the method chosen:
Warning: Cash orders have limited protection. For full buyer and seller protection, use card, mobile money, or Garabaly wallet. 135+ currencies are supported via Stripe for international transactions, with automatic conversion at competitive rates.
For any questions about our escrow system, disputes, or refunds, contact us:
Version 2.0.0 — Effective May 23, 2026
In the event of a discrepancy between language versions of these Conditions, the French version shall prevail.
The Garabaly wallet is an instrument integrated into the Garabaly marketplace, designed to facilitate transactions between buyers, sellers, and service providers on the platform. The wallet-to-wallet transfer service is a complementary feature to the buying, selling, and service provision journey, enabling in particular the sharing of revenue between business partners, the settlement of service providers, and the management of funds related to marketplace activity.
These Conditions supplement the General Terms of Use of the Garabaly platform without replacing them. In the event of a conflict on any point relating to the wallet or user-to-user transfers, these Conditions shall prevail.
Use of the wallet-to-wallet transfer service implies full and unconditional acceptance of these Conditions.
For the purposes of these Conditions, the following terms have the meanings assigned below:
2.1 Access to the wallet-to-wallet transfer service is reserved for users who cumulatively and continuously meet all of the following conditions:
2.2 User eligibility is verified at each transfer attempt. The loss of any of the above conditions results in the immediate and automatic withdrawal of access to the transfer service, without Garabaly needing to make an individual decision to that effect.
2.3 The transfer recipient must also hold a verified account and have an active (non-frozen) wallet. Any transfer to a frozen wallet or to an account that has not completed the identity verification procedure is refused.
2.4 On an exceptional and revocable basis, Garabaly may grant an administrative exemption to a user whose situation justifies it (for example: a cooperative treasurer whose orders are still being processed). Any exemption is documented, justified, and revocable at any time.
3.1 Monthly limit. The cumulative amount of a user's transfers — outgoing and incoming, tracked separately — over a rolling thirty (30) day period is capped based on their actual marketplace activity on the platform.
The cap is calculated as follows: fifty percent (50%) of the total volume of completed marketplace orders by the user (as buyer, seller, or service provider) over the last ninety (90) days, with:
This mechanism ensures that each user's transfer capacity is proportional to their actual commercial activity on the marketplace.
3.2 Per-transaction limits. Each individual transfer is subject to the following limits:
3.3 Order linkage requirement. For any transfer of an amount equal to or greater than two hundred thousand (200,000) CFA francs, the user must link the transaction to an existing marketplace order on the platform.
3.4 Incoming cap. A user may not receive, from senders with whom they have no documented marketplace relationship on the platform, a cumulative amount exceeding one hundred thousand (100,000) CFA francs per rolling thirty (30) day period. This measure aims to prevent the use of a wallet as a collection point for diverted purposes.
3.5 Refusal notification. When a transfer is refused due to a cap applicable to the recipient, the sender is informed of the refusal without any information regarding the recipient's cap, balance, or wallet status being disclosed.
3.6 Cap changes. Garabaly reserves the right to modify the caps defined in this Article for operational, regulatory, or security reasons. Any change unfavorable to the user triggers the re-acceptance procedure provided for in Article 8.
4.1 First transfer to a new recipient. The first transfer to a recipient with whom the user has never made a transfer before is subject to a twelve (12) hour hold. This hold is automatically lifted at the end of the specified period. The user may cancel the transfer at no cost during the entire hold period.
A recipient is considered known once at least one prior transfer has been successfully executed between the same parties. The hold is also lifted when the sender and recipient have a documented marketplace relationship on the platform within the last ninety (90) days (completed order as buyer, seller, or service provider).
4.2 High-value transfers. Any transfer exceeding five hundred thousand (500,000) CFA francs is subject to a two (2) hour hold, including to a known recipient.
4.3 Mandatory reason. Each transfer must be accompanied by a reason selected by the user from the following categories: revenue sharing, gift, payment of an assistant or intermediary, family remittance, correction or refund, other reason. The user may additionally add a free-text note. Omission of the reason results in refusal of the transfer.
4.4 Code confirmation. Each transfer requires the entry of a single-use confirmation code sent to the user. After three (3) unsuccessful attempts, the transaction must be cancelled and re-initiated by the user.
5.1 Garabaly reserves the right to immediately and without notice freeze a user's wallet in the event of reasonable suspicion, supported by the platform's technical controls or by manual review, regarding any of the following cases:
5.2 The freeze suspends all outgoing transfers. It may be extended, by reasoned decision of the compliance officer, to withdrawals, future receipts, and the creation of marketplace orders.
5.3 The user is notified of the freeze by a notification. Garabaly is not required to disclose the detailed reason for the freeze when a suspicious activity report has been filed with the competent authority or when disclosure would risk compromising an ongoing investigation conducted by a competent authority, in accordance with the legislation of the West African Economic and Monetary Union (WAEMU) on anti-money laundering.
5.4 Lifting of the freeze is subject to the completion of the internal compliance review and, where applicable, to the decision of the competent authority. A user whose wallet has been frozen may be assigned a reduced trust level for a period determined by Garabaly.
6.1 In accordance with anti-money laundering and counter-terrorism financing obligations applicable in the WAEMU zone, data relating to the wallet and its transactions are retained for a minimum period of ten (10) years from the date of the transaction or the closure of the business relationship, whichever is later, or any longer period required by a competent authority in the context of ongoing proceedings.
6.2 This includes in particular: identity documents, authentication and session logs, all wallet movements, escrow operations, orders, security events, transfer reasons, and the history of acceptance of these Conditions.
6.3 Closure of the user account does not terminate the legal obligation of retention for the period specified above.
7.1 Any user who contests a measure taken under these Conditions — including a transfer refusal, an applied cap, a hold, or a wallet freeze — may submit a complaint to Garabaly support through the channels indicated in the application.
7.2 The complaint is reviewed with a fresh perspective and, where possible, by a person other than the one who initiated the contested measure. A reasoned response is provided within a reasonable timeframe, subject to the confidentiality obligations applicable to compliance procedures (Article 5.3).
7.3 The user retains, in any event, the right to bring the matter before the competent court in accordance with Article 9 of these Conditions.
8.1 The current version of these Conditions is indicated in the header of this document.
8.2 These Conditions are presented to the user when they become eligible for the transfer service — typically, upon completion of their first marketplace order meeting the conditions of Article 2. Acceptance constitutes a separate act from acceptance of the General Terms of Use of the platform.
8.3 Acceptance is recorded with the date, time, version accepted, and the date on which the eligibility criteria were met. The absence of valid acceptance for the current version constitutes grounds for ineligibility within the meaning of Article 2.
8.4 Any material update to these Conditions — including any modification of a threshold unfavorable to the user, any addition of an obligation, any modification of the right to freeze, or of the data retention period — triggers the presentation of a new acceptance prompt before the next transfer. Until the new version is accepted, the user is treated as ineligible within the meaning of Article 2.
8.5 These Conditions are available in French (reference version), English, and Arabic. In the event of a discrepancy in interpretation between versions, the French version shall prevail.
9.1 These Conditions are governed by the laws of the Republic of Mali.
9.2 Prior to any judicial or arbitral proceedings, the parties undertake to seek an amicable settlement of the dispute within thirty (30) days from the date of written notification of the dispute by one party to the other.
9.3 Failing amicable agreement within the above period, any dispute relating to the interpretation or performance of these Conditions may be brought before the competent courts of Bamako, without prejudice to the parties' right to resort to arbitration by the Common Court of Justice and Arbitration (CCJA) of OHADA, in accordance with its arbitration rules in force.
10.1 Garabaly cooperates with competent authorities, including the National Financial Information Processing Units (CENTIF), the Central Bank of West African States (BCEAO), and judicial authorities, in accordance with applicable legal obligations in the WAEMU zone.
10.2 This cooperation includes, without limitation, the filing of suspicious activity reports, responses to judicial requisitions, and the provision of data retained under Article 6.
10.3 Cooperation with competent authorities may be initiated without prior notification to the user concerned, under the conditions and within the limits provided by applicable legislation.
11.1 Severability. If any provision of these Conditions is declared null or unenforceable by a competent court, the remaining provisions shall remain in full force and effect.
11.2 Non-waiver. Failure by Garabaly to exercise a right or invoke a clause of these Conditions shall not be construed as a waiver of such right or clause.
11.3 Entirety. These Conditions, together with the General Terms of Use of the platform, constitute the entire agreement between the user and Garabaly regarding the wallet and user-to-user transfer service.
For any questions regarding these Conditions: support@garabaly.com
Garabaly — Bamako, Republic of Mali
