Refund and Returns Policy

Zippy Zambia is a digital marketplace operated by Ani & Mad Holidays Limited. This Returns & Refund Policy explains how refunds are handled for bookings made through the platform.


  1. Introduction

Zippy Zambia connects customers with independent vendors offering accommodation, tours, and related services. As a marketplace, Zippy Zambia does not directly provide services and does not control refund decisions.


  1. Vendor-Controlled Refunds

2.1 Responsibility
All refund decisions are determined solely by the vendor providing the service.

2.2 Policy Visibility
Each listing clearly displays its refund and cancellation terms prior to booking.

2.3 Customer Agreement
By completing a booking, the customer agrees to the vendor’s refund policy.


  1. Refund Eligibility

Refund eligibility depends on:

  • The vendor’s cancellation policy
  • The timing of the cancellation
  • The specific terms agreed at the time of booking

Some bookings may be:

  • Fully refundable
  • Partially refundable
  • Non-refundable

  1. Returns

Due to the nature of services offered (such as accommodation and experiences), physical returns do not apply.

The term “returns” refers only to cancellation of bookings and associated refund eligibility.


  1. Processing of Refunds

5.1 Payment Facilitation
Zippy Zambia may facilitate payments on behalf of vendors.

5.2 Refund Processing
Where a refund is approved by the vendor, the amount will be processed through the original payment method where possible.

5.3 Timelines
Refund processing times may vary depending on:

  • Payment method
  • Banks or mobile money providers
  • Operational processing timelines

  1. Platform Role

Zippy Zambia:

  • Does not approve or deny refunds
  • Does not guarantee refund outcomes
  • Is not liable for refund decisions made by vendors

The platform may assist in communication between customers and vendors but does not act as an arbitrator.


  1. Disputes

In the event of a dispute regarding refunds:

  • Customers should contact the vendor directly
  • Vendors are expected to respond in good faith

Zippy Zambia may facilitate communication but does not guarantee resolution outcomes.


  1. Exceptional Circumstances

In cases of events beyond reasonable control (including but not limited to natural disasters, travel disruptions, or government restrictions), refund outcomes will depend on the vendor’s policy.

Zippy Zambia shall not be held liable for such circumstances.


  1. Limitation of Liability

To the maximum extent permitted under the laws of the Republic of Zambia, Zippy Zambia and Ani & Mad Holidays Limited shall not be liable for any financial loss, damages, or disputes arising from refund decisions.


  1. Governing Law

This Policy shall be governed by the laws of the Republic of Zambia.


  1. Updates

Zippy Zambia reserves the right to update this policy at any time. Continued use of the platform constitutes acceptance of any changes.

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