Billing, accepted payment methods, and your rights when something goes wrong
Effective date: May 2026 · Version 1.0
This Payment & Refund Policy (“Policy”) governs all financial transactions on the Yamalé Legal Platform (“Platform”), operated by Yamalé, a legal entity established under the laws of Senegal and headquartered in Dakar, Senegal.
By completing a purchase or subscribing to any paid feature on the Platform, you agree to the terms of this Policy. This Policy forms part of, and should be read together with, the Yamalé Terms of Service and Privacy Policy.
If you have questions about a charge or payment, contact us at info@yamaleadvisory.com before initiating a dispute or chargeback with your payment provider.
The Platform offers the following categories of paid products and services. The applicable billing and refund terms for each category are described in this Policy.
Subscription plans provide ongoing access to Platform features, including the Legal Library, AfCFTA Tools, and AI Legal Research, on a recurring monthly or annual billing basis. Subscriptions renew automatically at the end of each billing period unless cancelled in accordance with Section 5.
The Yamalé Vault is a marketplace for legal and compliance content, including courses, webinars, document templates, and reference materials. Vault purchases are one-time transactions for access to specific content items. Vault content is available immediately upon payment confirmation.
The AfCFTA Passport and related compliance tools may be offered as standalone products or included in subscription tiers. Where offered as a standalone purchase, the terms in Section 2.2 (one-time purchases) apply.
The Curated Lawyer Network (Find a Lawyer) is an invitation-only directory of verified legal professionals with expertise in African business law. Lawyers are admitted to the network by Yamalé at no cost. Access to the directory is included as a platform feature; no separate fee is charged to users for browsing or contacting listed lawyers.
The Yamalé Legal Library provides access to laws, statutes, decrees, treaties, and other legal instruments across all 54 African countries. Depending on your subscription tier, downloads of individual legal documents may be included in your plan or available as standalone purchases. Where document downloads are included in your subscription, access is subject to any fair use limits applicable to your plan. Standalone document downloads are one-time purchases governed by the terms in Section 2.2.
Downloaded documents are provided for personal and professional reference only and may not be redistributed, resold, or published without Yamalé's prior written consent.
We accept the following forms of payment. All transactions are processed through our authorized payment processing partners. Yamalé does not store your card or wallet credentials. Payment details are held securely by our payment processors, and we retain only a secure token to process recurring charges on your behalf.
Card payments are processed in USD. Your card issuer may apply foreign exchange or international transaction fees if your card is not denominated in USD. Yamalé is not responsible for fees applied by your card issuer.
We accept payments via the following mobile money services, subject to availability in your country:
Mobile money payments are processed in the local currency of the applicable wallet. Exchange rates and any applicable mobile operator fees are determined by your mobile network operator, not by Yamalé. You are responsible for ensuring your mobile wallet is sufficiently funded before initiating a transaction. Availability of specific mobile money providers varies by country. The payment options available to you will be displayed at checkout based on your location.
Payments on the Yamalé Legal Platform are processed by our authorized payment processing partners. Card payments are processed by lomi.africa S.A.R.L (“lomi.”), a payment services company incorporated in Côte d'Ivoire. lomi. acts as “Merchant of Record” for transactions processed via its platform, meaning lomi. is the entity of record for payment collection purposes. Mobile money payments are processed by lomi. and PawaPay Limited (“PawaPay”), a mobile money aggregator that supports a broad range of mobile wallets across Africa. By completing a payment, you agree to the terms of service of the applicable payment processor. Yamalé is not responsible for failures, delays, or errors attributable to payment processors or mobile network operators.
All prices on the Platform are displayed in US Dollars (USD). Your bank or mobile network operator may apply conversion fees if your account is denominated in a different currency. Yamalé is not responsible for such fees.
All payments are due at the time of purchase or subscription activation. Access to paid features is granted upon confirmation of successful payment. Where payment fails or is declined, access will not be granted or will be suspended until payment is successfully completed.
Monthly subscriptions: billed every 30 days from the date of activation. Annual subscriptions: billed once per year from the date of activation. Your billing date is set at the time of your initial subscription and remains the same for each renewal period unless your subscription is modified.
Subscriptions renew automatically at the end of each billing period at the then-current subscription price. You will receive a reminder notification at least seven (7) days before your subscription renews. By subscribing, you authorize Yamalé to charge your selected payment method for each renewal period until you cancel.
For mobile money payments: where your mobile network operator supports recurring or scheduled payments, your wallet will be debited automatically on the renewal date. Where automatic debit is not supported by your operator, you will receive automated reminder notifications before your renewal date prompting you to authorize payment. If payment is not successfully received by the renewal date, a final reminder will be sent. Access will be suspended twelve (12) hours after the renewal date if payment has not been completed. This timeline is strictly applied; Yamalé does not extend grace periods beyond twelve (12) hours for mobile money renewals. Ensuring your mobile wallet is funded before the renewal date is your responsibility.
Yamalé reserves the right to change subscription prices. You will be notified of any price change at least thirty (30) days before it takes effect. Your continued use of the Platform after the effective date of a price change constitutes acceptance of the new price. If you do not accept the new price, you may cancel your subscription before the change takes effect in accordance with Section 5.
Prices displayed on the Platform may or may not include applicable taxes, levies, or duties depending on your jurisdiction. Where required by applicable law, applicable taxes (including VAT, GST, or digital services taxes) will be added to your invoice and are your responsibility. Yamalé is not responsible for any withholding taxes, mobile operator levies, or government-imposed transaction fees applied by third parties.
An electronic receipt will be sent to your registered email address upon each successful transaction. Receipts serve as your record of payment. If you require a formal invoice for business or tax purposes, contact info@yamaleadvisory.com within 30 days of the transaction.
You may cancel your subscription at any time through your account settings under “Billing” or by contacting info@yamaleadvisory.com. Cancellation takes effect at the end of your current billing period. You will retain access to paid features until the end of the period for which you have already paid.
For annual subscriptions, cancellation stops automatic renewal; it does not entitle you to a prorated refund for the unused portion of the annual period, except as provided in Section 6.
Upon cancellation, your subscription will not renew. Your access to subscription-only features will end at the close of your current billing period. Content purchased through the Yamalé Vault remains accessible in accordance with the terms of that purchase, unless your account is terminated for breach of the Terms of Service.
Yamalé reserves the right to suspend or terminate your account and access to paid services, without refund, if you violate the Terms of Service, engage in fraudulent activity, initiate an unjustified chargeback, or use the Platform in a manner that causes harm to other users or to Yamalé.
Yamalé operates a platform that delivers immediate access to digital content and services. Because access is granted at the moment of payment, refunds are not automatically available. However, we recognize that issues can arise and we handle refund requests fairly on a case-by-case basis within the framework below.
If you are a new subscriber and you cancel your subscription within fourteen (14) days of your initial payment (the “Cooling-Off Period”), you are entitled to a full refund of that initial payment, provided that you have not made substantial use of the Platform during that period. Substantial use includes submitting more than two (2) AI Legal Research queries.
The 14-day Cooling-Off Period applies to subscription payments only. It does not apply to Yamalé Vault purchases, renewal charges, annual subscription upgrades, or any subsequent billing period.
This cooling-off period is consistent with consumer protection provisions applicable in the EU, UK, and a number of African jurisdictions including Kenya and South Africa. Users in other jurisdictions may have additional statutory rights under local law.
Renewal charges are generally non-refundable. If you forget to cancel before a renewal date, contact info@yamaleadvisory.com within three (3) days of the renewal charge. We will consider refund requests in this window where: (a) you have not used the Platform in the renewed period; and (b) the request is your first such request. We reserve the right to decline refund requests that appear abusive or repetitive.
Vault purchases are non-refundable once content has been accessed, downloaded, or viewed, because the digital content is delivered immediately upon payment. If you experience a technical failure that prevents access to purchased content, contact info@yamaleadvisory.com within seven (7) days with a description of the issue and we will either resolve the access issue or issue a full refund.
If a service failure, technical error, or outage on Yamalé's part prevents you from accessing a paid feature for a cumulative period of more than 48 hours within a billing period, you are entitled to a prorated credit for the affected period. This credit will be applied to your next billing cycle. To claim a service failure credit, contact info@yamaleadvisory.com within 14 days of the incident with details of the issue.
If you are charged more than once for the same transaction, or charged an incorrect amount, contact info@yamaleadvisory.com immediately. We will investigate and issue a full refund of any duplicate or erroneous charge within ten (10) business days of confirming the error.
Approved refunds will be returned to the original payment method used for the transaction:
Yamalé cannot issue refunds to a different payment method than the one originally used, except where the original method is no longer available, in which case you should contact info@yamaleadvisory.com.
Refunds are initiated after Yamalé has confirmed receipt of the corresponding funds from its payment processor. Settlement timelines vary by payment method and processor. In cases of verified platform error or duplicate charge, we will begin the refund process upon confirmation of the error, independently of settlement status.
To request a refund, email info@yamaleadvisory.com with the subject line “Refund Request — [Your Name]” and include: your account email address, the date of the transaction, the amount charged, the payment method used, and the reason for your request. We will acknowledge your request within two (2) business days and aim to resolve it within ten (10) business days.
If a payment fails (due to insufficient funds, expired card, wallet deactivation, operator downtime, or other reasons), we will notify you and provide an opportunity to update your payment method. Yamalé is not responsible for transaction failures caused by your payment provider, mobile network operator, or bank.
For mobile money payments: failed transactions where funds have been debited from your wallet but not received by Yamalé should be reported to info@yamaleadvisory.com with your transaction reference number. We will investigate within five (5) business days. If funds were debited and not received, we will either apply the payment to your account or coordinate a reversal with the payment processor.
If you believe a charge is unauthorized or incorrect, please contact info@yamaleadvisory.com before initiating a dispute or chargeback with your bank or card issuer. We will work to resolve the issue directly and promptly.
For mobile money disputes: if you believe an incorrect amount was deducted from your mobile wallet, you should also contact your mobile network operator directly, as operators have their own dispute resolution processes. Yamalé will cooperate with operator-initiated investigations.
If you suspect fraudulent use of your payment method on the Platform, contact info@yamaleadvisory.com and your payment provider immediately. Yamalé will suspend the affected account pending investigation upon receipt of a credible fraud report.
Where Yamalé offers a free trial period, no charge is made during the trial. At the end of the trial, your subscription will automatically convert to a paid plan and your selected payment method will be charged unless you cancel before the trial period ends. You will receive a reminder before the trial ends.
Promotional or discounted pricing applies only for the promotional period stated at the time of subscription. At the end of the promotional period, your subscription will renew at the standard price. You will be notified of this change before it takes effect.
Discount codes and coupons are valid only for the specific products, dates, and conditions stated. They cannot be combined with other promotions, applied retroactively, redeemed for cash, or transferred. Misuse of promotional codes may result in cancellation of the associated subscription or purchase without refund.
Law firms, government institutions, and corporate clients purchasing multi-seat subscriptions or enterprise licenses are subject to the payment and refund terms set out in their applicable master services agreement or institutional license agreement. Where no separate agreement exists, this Policy applies.
Invoiced enterprise clients are subject to payment terms agreed in writing. Late payments may attract interest at the rate of 1.5% per month or the maximum rate permitted by applicable law, whichever is lower.
This Policy is governed by the laws of Senegal. Disputes arising from billing or payment matters that cannot be resolved through the process described in this Policy may be referred to the competent courts of Dakar, Senegal, or resolved through arbitration as provided in the Yamalé Terms of Service.
Nothing in this Policy limits your statutory rights under the consumer protection or data protection laws applicable in your jurisdiction.
For all billing and payment inquiries:
Yamalé reserves the right to update this Policy from time to time. Material changes — including changes to refund terms, accepted payment methods, or billing cycles — will be communicated by email and posted on the Platform at least fourteen (14) days before they take effect. Your continued use of the Platform after the effective date constitutes acceptance of the revised Policy.