1. Introduction

Welcome to Points, your trusted platform for building materials and services. By creating an account or using our services, you agree to these Terms & Conditions. Please read them carefully before using Points.

2. Using Points Platform

• Points allows you to purchase building materials and services online, whether home or abroad.
• Building materials prices are always fluctuating; we allow you to choose your needs first, submit your order, and then get their real-time prices; final invoices are confirmed after order review.
• Payments must be made before delivery.
• You are responsible for providing accurate delivery details and ensuring someone is available to receive items.

3. Points Bechek (Building Credit Feature)

Points Bechek is a prepaid building credit system designed to help you plan and manage your construction projects.

• Not cash: Points Bechek represents the value of deposits made into Points’ designated accounts.
• Usage: Can only be used to purchase building materials, services, or approved products within the Points ecosystem.
• Non-transferable: Cannot be sold, exchanged, or withdrawn as cash.
• Deposits: When you deposit money via bank, mobile money, or diaspora channels, Points Bechek is manually updated by our team.
• Redemption: Once used to purchase materials/services, transactions are final.
• Refunds: Generally non-refundable except for errors, fraud, or with management approval. Refunds, if any, will be returned to the original payment method.

4. Orders & Invoices

• Orders are confirmed via real-time invoices.
• Payments must be completed to proceed with delivery.
• Once delivered, transactions are final, except under our Return Policy.

5. Delivery & Returns

Express Delivery:

• Orders paid before 4:00 PM in Greater Banjul are delivered same day.
• Orders after 4:00 PM delivered next working day.
• Delivery outside Greater Banjul depends on logistics and may take longer.

Free Returns (within 24 hours):

• Eligible for wrong item, damaged item, or quantity mismatch.
• Contact our Help Desk within 24 hours with order ID + photo/video of the issue.
• Delivery team picks up the item at no cost.
• Choose replacement or refund to Points Bechek.
• Items must remain in original condition; free returns do not cover change of mind.

6. Customer Responsibilities

• Provide accurate personal information during registration.
• Keep login credentials safe.
• Use Points and Points Bechek only for lawful purposes.

7. Transparency & Records

• Customers can view their Points Bechek balance and transaction history on their dashboard.
• Report discrepancies within 7 days for investigation.

8. Dispute Resolution

• Contact Points support for any concerns.
• We aim to resolve disputes within 14 business days.
• Unresolved disputes may be escalated through mediation or legal channels under Gambian law.

9. Amendments

• Points may update these Terms at any time.
• Changes will be communicated via email, SMS, or on the platform.
• Continued use after updates means acceptance of new terms.

10. Acceptance

By creating an account or using Points, you confirm that you have read, understood, and agreed to these Terms & Conditions, including Points Bechek and Delivery & Returns policies.