Terms & Conditions

1. Who we are

INB Campus ("we", "the platform") is a student marketplace and services platform. By creating an account you agree to these terms.

2. Your account

You must give accurate details and keep your password secret. You are responsible for what happens under your account. Tell us immediately if you think someone else has access — Settings → Security shows recent sign-in attempts.

We may suspend or ban an account that breaks these terms. Suspension keeps your data; it stops you signing in.

3. Buying and selling

The platform is a marketplace. Contracts for goods and services are between the buyer and the seller. We provide the payment rails and hold funds; we are not the seller and do not own the goods.

Sellers must describe items accurately and honour what they list. Buyers must pay from their wallet and confirm receipt when they get what they paid for.

4. Money and escrow

All payments run through your INB wallet in Ghana Cedis (GHS).

• When you buy, funds move from your available balance into escrow.
• The seller is paid only when the buyer confirms receipt.
• We deduct a 5% commission from the seller at that point.
• If an order is cancelled before it ships, the escrow is refunded in full.

For rides, tutoring and events, the person who paid releases the money — not the person being paid.

Known limitation: if the paying party never confirms, funds can remain in escrow indefinitely. We are working on automatic release. Raise a ticket and we will settle it manually.

5. Rewards and points

Referral rewards and loyalty points are a discretionary benefit funded by the platform, not a debt we owe you. They have no cash value outside the wallet, and we may change or end either programme. Rewards already paid into your wallet are yours.

We may withhold or reverse a reward we reasonably believe was obtained by abuse — for example, ordering to trigger a bonus and then cancelling.

6. Content and conduct

You keep ownership of what you post. You give us permission to display it on the platform. Do not post anything unlawful, hateful, harassing, or that is not yours to post. Moderators may remove content and act on reports.

7. Uploads

Files you upload are checked by their actual contents. We store them outside the public web root and serve them only to people entitled to see them — a private chat attachment is not readable by a stranger with the link.

8. Disputes

Try the seller first. If that fails, raise a ticket under Help & Support before confirming receipt — once escrow is released, we cannot reverse it from the platform side.

9. Availability

We provide the platform "as is". It is under active development and we do not promise uninterrupted service. We may put the site into maintenance mode.

10. Liability

To the extent the law allows, we are not liable for disputes between users, for goods or services we did not supply, or for indirect loss. Nothing here removes rights you have under Ghanaian consumer law.

11. Changes

We may update these terms. Material changes will be announced in-app. Continuing to use the platform means you accept the current version.

12. Contact

Questions: contact us or open a support ticket.