Générale CIThese terms apply as soon as you use Générale CI, whether or not you buy. They form a contract
between you and ETS APAMA (ÉTABLISSEMENT APAMA), whose full identity appears in the
If you sell on Générale CI, the seller terms apply in addition.
1. What Générale CI is, and what it is not
Générale CI is a marketplace. We connect independent sellers with buyers, and around that
meeting we provide: the catalogue, search, videos and live sales, payment, delivery by a
partner, and after-sales support.
The seller of your item is not Générale CI, except where ETS APAMA sells through its
own shop — which is then stated on the item page. The contract of sale is formed between **you
and the seller**. It is the seller who must deliver conforming goods and answer for the legal
warranties.
Nor are we your carrier: delivery is carried out by a delivery partner whose intervention we
arrange.
This does not mean we take no interest in what happens: we verify sellers' identity, we collect
payment on their behalf, we withhold their money in the event of a dispute, and we arbitrate
returns. The detail is in articles 8 and 9.
2. Your account
You must be 18 or over and have capacity to contract.
Your phone number is your identifier. It is verified by a code sent by SMS. You are
responsible for keeping your password confidential and for everything done from your account.
Tell us immediately if you believe it has been compromised.
An account is personal. You must not lend it, sell it, or create several accounts to get
around a limit, a sanction or a promotional benefit.
You may close your account at any time: see delete my account.
3. Prices
Prices are shown in CFA francs (FCFA), inclusive of all taxes. They are set by the
seller, who may change them at any time — the price that binds you is the one displayed **at
the moment you confirm the order**.
Delivery charges are calculated and shown separately before confirmation. A basket
containing items from several shops may incur a supplement, which is shown to you before
payment.
Before ordering, you are given the information required by article 3 of Law No. 2016-412 on
consumption: the main characteristics of the goods or service, the price, the delivery period,
the seller's identity and the applicable warranties. If any information is missing, do not
confirm the order and ask for it.
4. Placing an order
The order is firm once you confirm it and it is accepted. We acknowledge receipt in the
application.
We may refuse or cancel an order in the event of: serious suspicion of fraud, an unavailable
item, a manifestly invalid address, a manifestly erroneous displayed price, or a breach by you
of these terms. If your payment has already been taken, it is refunded to you in full.
An item may turn out to be out of stock after the order. The seller reports this, and you
then choose between a replacement, a refund, or cancellation of the line.
5. Paying
Two payment methods are offered:
- Wave (mobile payment). You are redirected to Wave; the order is confirmed only once
payment has actually been received.
- Payment on delivery, in cash, into the courier's hands, where that method is available
for your order.
ETS APAMA collects the price in the name and on behalf of the seller, then remits it
to them after deducting its commission. The payment you make into our hands **discharges your
debt towards the seller**: they can no longer claim the price from you.
Payment on delivery may be refused to you if you have already refused several parcels
without valid reason. You may still order by paying with Wave.
Your wallet, promotional codes and referrals
Générale CI may credit a wallet to you: a refund, a goodwill gesture, a referral bonus. This
credit is used on your purchases within Générale CI. It is not withdrawable in cash, unless
the law requires otherwise, and may carry an expiry date which is stated to you when it is
granted.
Promotional and referral codes are personal, cannot be combined unless stated otherwise, and
may be cancelled in the event of fraudulent use (multiple accounts, self-referral, resale of
the code).
6. Delivery
The period and the charges are stated to you before payment. These are estimates: they
depend on the seller preparing the parcel and on traffic conditions.
On handover, the courier asks you for the confirmation code shown in your order. Give it
only at the moment you actually receive the parcel: it is what proves delivery.
Check the parcel in front of the courier. If the contents are damaged or do not match your
order, refuse it and state the reason: that characterisation determines who bears the cost of
the return.
If you are absent or unreachable at the time of delivery, the delivery may fail and the parcel
may go back to the seller.
7. Returns, exchanges and refunds
Your right of return
Article 11 of Law No. 2016-412 of 15 June 2016 on consumption gives you, for any distance
sale, a period of ten working days from delivery to return the product to the seller, **for
exchange or refund, without penalty. Only the return costs** may remain payable by you.
This is a right of public policy: no clause of these terms, and no rule of any shop, can remove
or reduce it.
That period is extended to three months if the seller has not given you the name of their
business, their telephone contact details and the address of their registered office
(article 12 of the same Law).
To exercise it, open your order in the application and request a return. The product must be
returned complete and in a condition allowing resale; goods damaged by your use may give
rise to compensation for the seller.
In the application this period is set to fourteen calendar days from delivery: it is
easier to follow than a count in working days, and it is more favourable to you than the
legal minimum.
Food and perishable products
A food or perishable product cannot be taken back on the sole ground that you changed your
mind: foodstuffs that have left the shop can neither be put back on the shelf nor resold, for
hygiene reasons. These products are flagged as such on their product page, before purchase —
if that information is not shown, the restriction cannot be held against you.
This exception does not affect your rights when something is actually wrong. A product
delivered expired, spoiled or not matching its description is still refunded **in
full**, delivery costs included, exactly like any other defective item.
If the product is defective or non-conforming
You are refunded in full, including delivery charges, and the return is at the seller's
expense. You additionally retain the legal warranties available to you against the seller under
the law of sale.
How you are refunded
- Paid by Wave, less than 72 hours earlier: refunded to Wave.
- Beyond that, or if the Wave refund fails: paid into your Générale CI wallet, **increased
by 5%**. You may decline that increase and ask for a transfer.
- Paid on delivery and then returned: the refund is paid into your wallet.
In-store returns
Some business shops refund directly at the till. This is indicated on their page before
purchase: in that case the return is made at the shop, with no return delivery, and the refund
is handed to you by the trader.
In the event of disagreement
If the seller contests your request, ETS APAMA arbitrates. The money remains blocked
until the dispute is resolved: the seller is not paid. Our decision deprives you of none of your
rights and does not prevent you from going to court.
8. Digital products
Some items are delivered online, with no parcel: codes and keys (gift cards, top-ups,
licences), and in future training content.
How they are delivered to you
The code is encrypted in our database and is decrypted only at the moment you ask to see
it, for you alone. The disclosure is recorded with its date.
Please note: this feature is currently available on the server side but **no screen in
the application yet gives access to it**. Until that is the case, no digital product should be
sold to you. If you have bought one and cannot retrieve it, write to
info@generale-ci.com: we will send it to you or refund you.
What you accept when you buy
By asking for a code to be disclosed, you immediately obtain the object of your purchase. A
disclosed code cannot, by its nature, be "returned": you have seen it. You therefore accept
that, from the moment of disclosure, exchange or refund is no longer possible **on the sole
ground of a change of mind**.
We must be frank on this point. Law No. 2016-412 on consumption **provides no express
exception** to the right of return in its article 11 for digital content supplied immediately
— unlike other legal systems. The clause above therefore rests on the nature of the goods, not
on an express text. It could be challenged before a court. In case of doubt, we will decide
in your favour.
If the code does not work
A reporting mechanism exists: you have 24 hours from purchase to report a code that is
invalid, already used, or content that is non-conforming. The report **blocks payment to the
seller** while the matter is examined — so that a fraud is not paid for before it is detected.
ETS APAMA examines the report and decides: issue of a valid code, refund, or a reasoned
rejection if the code is shown to be valid and unused before your purchase.
After 24 hours, automatic reporting is no longer possible in the application, but **this does
not deprive you of your rights**: write to us, and your legal warranties against the seller
remain intact.
Training content
When such content exists, it will be licensed to you on a **personal, non-transferable and
non-exclusive** basis, for your private use. You may not redistribute it, resell it, share it,
or circumvent its technical protections. Such content may carry a watermark identifying you:
this is a processing of your personal data, described in the
privacy policy, intended to trace the origin of a leak.
9. What you publish
You may publish videos, comments, reviews and messages. You remain the owner of them, and you
grant ETS APAMA a free, non-exclusive licence to host, display and technically adapt them
for the purposes of the service, for as long as they remain published.
You warrant that you hold the rights to what you publish, and that you will not publish
unlawful content. The precise rules and how to report content are set out in the
Reviews may be posted only by a buyer whose order has been delivered. An honest negative
review will never be removed at a seller's request.
10. What is prohibited
- Fraud: fake accounts, fake reviews, impersonation, misuse of promotional or referral codes.
- Ordering with no intention of paying or taking delivery.
- Taking the transaction off the platform to escape the commission, the warranties or the
traceability of payment.
- Disrupting the service: intrusion, mass extraction of the catalogue, circumvention of
technical limits.
- Publishing unlawful content within the meaning of the
In the event of a breach, we may remove content, restrict a feature, suspend or close your
account. The measure is proportionate, and we state its grounds to you.
11. Our liability
ETS APAMA answers for the services it provides itself: the working of the platform,
payment collection, arranging delivery, and handling disputes.
It does not answer for the conformity, quality or lawfulness of goods and services sold by
independent sellers — the seller answers for those. We do undertake, however, to give you their
identity and to help you enforce your rights.
The service is provided as is, and may experience interruptions. We do not guarantee
uninterrupted availability or the absence of errors.
None of these limitations applies in the event of gross negligence or wilful misconduct on
our part, nor to exclude a liability that the law declares to be of public policy — in
particular the rules protecting consumers.
12. Changes to these terms
These terms carry a version and a date, shown at the top of the page. We may amend
them. Any significant change is notified to you in the application before it takes effect, and
you are asked to accept it. If you refuse, you may close your account; orders in progress remain
governed by the version accepted at the time of the order.
13. Disputes
Write first to info@generale-ci.com: the great majority of
disagreements are settled that way.
Failing agreement, the dispute falls within the jurisdiction of the competent courts of Abidjan, Côte d'Ivoire
and is governed by the laws of Côte d'Ivoire. If you are a consumer, this clause does not deprive
you of the right to bring proceedings before the court reserved to you by law.