SHGHILNI – TERMS AND CONDITIONS

Shghilni is an online marketplace connecting independent clients ("Clients") with independent freelancers ("Freelancers") for services. Shghilni: Is not an employer of Freelancers

Is not a contractor

Does not supervise or control services

Does not guarantee service quality

Is not a party to agreements between users. All service contracts exist strictly between Client and Freelancer.

You must: Be at least 18 years old

Provide accurate information

Maintain account security

Not impersonate others. We may suspend or terminate accounts at our sole discretion.

Shghilni facilitates payments through: Stripe (card payments)

Whish Money (local payments). 3.1 Escrow System: Payments are held temporarily to protect both parties. Escrow applies only to payments completed through Shghilni via Stripe or Whish. Shghilni is not a bank, financial institution, or trustee. Funds are held solely to facilitate transactions. 3.2 Stripe Payments: Stripe processes card transactions. Users agree that Stripe's terms apply

chargebacks may occur

payouts may be delayed for fraud review

if a chargeback occurs after payout, Shghilni may recover funds from the Freelancer. 3.3 Whish Payments: Payments made via Whish Money are received into Shghilni's business account and held for transaction facilitation. Shghilni may delay, freeze, or reverse payouts in cases of fraud, dispute, regulatory inquiry, or suspicious activity.

Escrow protection applies only to transactions completed fully within Shghilni. If users exchange contact details for off-platform payment, conduct payment outside Shghilni, or attempt to bypass platform fees, then: Shghilni bears zero liability

dispute protection is void

accounts may be suspended

users waive claims against Shghilni.

Shghilni may provide dispute resolution at its sole discretion. We may request evidence, freeze funds, issue full or partial refunds, or release funds. Decisions are final and binding. Shghilni is not a court or arbitrator. Funds may be held for up to 60 days during review.

Shghilni charges service fees as displayed in the app. Fees are non-refundable except where required by law.

Withdrawals are subject to identity verification, fraud review, dispute clearance, and chargeback risk assessment. We may delay payouts for security reasons.

Users must not: commit fraud

submit false disputes

share payment details in chat

harass others

upload illegal content

attempt to reverse engineer the platform. Violations may result in permanent suspension.

All platform content, design, branding, and software belong to Shghilni. Users may not copy, scrape, reproduce, reverse engineer, or exploit data.

To the maximum extent permitted by law, Shghilni is not liable for service quality, missed deadlines, fraud between users, business losses, indirect damages, personal injury, or property damage. Maximum liability shall not exceed the total platform fees earned from the transaction in question.

Users agree to indemnify and hold Shghilni harmless from claims arising from user disputes, fraud, legal violations, or third-party claims.

We may suspend or terminate accounts without notice, for violation of Terms, for fraud risk, or at our sole discretion.

These Terms are governed by the laws of Lebanon. Disputes shall be resolved exclusively in Lebanese courts.

We may update these Terms at any time. Continued use constitutes acceptance.