MANIDASO Payment & Dispute Policy

Introduction

This Payment & Dispute Policy explains the principles that may apply to payment progression, verification procedures, dispute handling, evidence submission, and Trust File record management within the MANIDASO platform.

MANIDASO operates as a trade governance platform that structures participation, verification, payment progression, movement records, and Trust File documentation across defined trade routes.

This policy should be read together with the Terms & Conditions, Privacy Policy, Cookie Policy, Accessibility Statement, and other governance documents published by MANIDASO.

Payment Principles

MANIDASO seeks to support transparent and structured trade activity through defined payment progression procedures.

The platform may support:

• Payment readiness assessments
• Verification requirements
• Trade progression reviews
• Structured payment milestones
• Payment status records
• Trust File documentation

Payment progression is intended to improve transparency and reduce uncertainty between participating parties.

Participation in a payment-related process does not guarantee transaction completion, payment release, delivery, or trade success.

Payment progression procedures may vary depending on route requirements, transaction value, verification status, participating parties, and the payment infrastructure used for a particular trade activity.

Third-Party Payment Providers

Payment activities may involve:

• Banks
• Financial institutions
• Payment processors
• Escrow providers
• Card payment providers
• Mobile money providers
• Other authorised payment partners

Unless expressly stated otherwise, MANIDASO is not a bank, payment institution, money services business, escrow provider, or regulated financial services provider.

Payment services remain subject to the terms, policies, procedures, and requirements of the relevant third-party provider.

Users remain responsible for reviewing and complying with those requirements.

Verification Requirements

Payment progression may be dependent upon verification requirements.

Verification requirements may include:

• Identity verification
• Business verification
• Product verification
• Documentation review
• Shipment verification
• Route-specific requirements
• Additional information requests

MANIDASO reserves the right to determine whether verification is required before progression of a trade activity.

Verification outcomes may affect eligibility for further participation.

Payment Progression

Where payment progression procedures are used, the platform may record payment-related milestones within the Trust File.

Examples may include:

• Payment Pending
• Verification Pending
• Verification Approved
• Payment Initiated
• Payment Confirmed
• Payment Review Required
• Payment Dispute Pending
• Trade Completed

Payment progression records are intended to provide transparency and governance visibility.

They do not constitute financial advice, banking services, payment guarantees, or assurances regarding transaction outcomes.

Disputes

Where a dispute arises between participants, MANIDASO may permit dispute information to be submitted for review and record-keeping purposes.

Disputes may relate to:

• Product condition
• Product accuracy
• Delivery issues
• Verification concerns
• Documentation discrepancies
• Communication records
• Payment-related concerns
• Other trade-related matters

Submission of a dispute does not guarantee a particular outcome, resolution, recovery, refund, or enforcement action.

MANIDASO reserves the right to determine how dispute information is reviewed and recorded.

Evidence Requirements

Where a dispute is submitted, supporting evidence may be requested.

Evidence may include:

• Photographs
• Communications
• Verification records
• Invoices
• Shipment documentation
• Delivery records
• Payment confirmations
• Product documentation
• Other supporting materials

MANIDASO may refuse to consider evidence that appears incomplete, misleading, fraudulent, unlawful, or unrelated to the matter under review.

Participants remain responsible for maintaining appropriate records relating to their activities.

Trust File Records

Trust Files may contain records relating to payment progression and dispute activity.

Trust File records may include:

• Trade requests
• Verification records
• Payment status records
• Communications
• Delivery confirmations
• Dispute submissions
• Evidence records
• Resolution notes
• Supporting documentation

Trust File records are maintained for governance, transparency, compliance, and record-keeping purposes.

MANIDASO reserves the right to retain, review, archive, update, or remove records in accordance with applicable policies and legal obligations.

Platform Limitations

MANIDASO provides governance infrastructure and record-keeping processes.

Unless expressly stated otherwise:

• MANIDASO does not guarantee payment performance.
• MANIDASO does not guarantee trade completion.
• MANIDASO does not guarantee delivery performance.
• MANIDASO does not guarantee dispute outcomes.
• MANIDASO does not guarantee recovery of funds.
• MANIDASO does not guarantee verification outcomes.
• MANIDASO does not guarantee the actions of third parties.

Users remain responsible for their own commercial decisions, transactions, and contractual arrangements.

Contact

Questions regarding this Payment & Dispute Policy may be directed to MANIDASO LTD through the contact details published on the platform.

Further governance information may be found within the Terms & Conditions, Privacy Policy, Cookie Policy, Platform Standards, Trust Policy, Accessibility Statement, and other official MANIDASO documentation.