1. Using TradeHub

• Who we are. TradeHub Ghana is an online marketplace for Ghana's campuses and the people around them. We provide the platform, the payment holding service and dispute help. We are not the seller of the goods.
• Your account. You must be 18 or older, or have a parent or guardian's permission. Give true information, use your own phone number and email, and keep your password private. One person, one account. You are responsible for everything done on your account.
• Roles. Buyers buy. Sellers list and sell. Riders deliver for a seller. Delivery partners are delivery companies approved by TradeHub who set their own regions and fees. Staff and administrators look after the marketplace.
• Changes. We may improve, change or remove features, and update these terms. Important changes are shown in the app. Using TradeHub after a change means you accept it.

2. Buying and paying

• Pay in the app. Pay with Mobile Money (MTN MoMo, Telecel Cash, AirtelTigo Money) through our payment partner, or from your TradeHub wallet or gift credit. Money paid in the app is held by TradeHub until you confirm that your order arrived. Then the seller and the rider are paid.
• Stay inside the app. Do not pay a seller, rider or anyone else outside the app, for example by sending Mobile Money directly, unless the seller is your own customer and cash on delivery is allowed for that order. Payments made outside the app are not protected, and TradeHub cannot hold, refund or recover them.
• Cash on delivery. TradeHub decides whether cash on delivery is available. It may be limited to a seller's own customers, or switched off completely. Held-money protection applies only to payments made in the app.
• Fees. A payment service fee applies to the part you pay with Mobile Money, and the amount is shown before you pay. Paying from your wallet or gift credit has no service fee. Sellers and riders may pay a small fee when they withdraw. Delivery fees are set by the seller or delivery partner by region and are shown at checkout.
• Wallet and gift credit. A buyer's wallet is for shopping on TradeHub. Buyers cannot withdraw wallet money. Gift credit and referral rewards have no cash value and cannot be withdrawn. Refunds go back to your wallet.
• Confirm your order. Only confirm delivery after you have received your goods and checked them. Confirming releases the money to the seller and rider.

3. Selling

• What you may sell. Genuine items you own or are allowed to sell. Illegal goods, weapons, drugs, stolen or counterfeit items, adult content and anything that breaks the law are not allowed.
• Honest listings. Use your own clear photos, the real price and a truthful description. Every product is reviewed before it goes live, and you are told by SMS and message when it is approved or rejected. TradeHub may reject or remove a listing.
• Orders. Confirm and pack orders quickly and deliver what was ordered. Do not hand over goods for a Mobile Money payment that has not been confirmed in the app.
• Getting paid. You are paid into your TradeHub wallet when the buyer confirms receipt, minus TradeHub's commission (if one is set). You can then withdraw to your own Mobile Money number. Withdrawals are processed within 24 hours on working days. Requests made on weekends or public holidays are paid on the next working day.
• Official stores. An official store is a seller approved by TradeHub, who may pay a one-time fee set by TradeHub. TradeHub decides which stores are shown on banners.

4. Delivery

• Delivery is done by the seller's own riders, or by a TradeHub delivery partner chosen by the seller. Delivery fees depend on the region.
• Riders and delivery partners must handle goods with care and deliver only to the buyer or the person the buyer names.
• Give a correct address, town and phone number so the rider can reach you. TradeHub is not responsible for delays caused by wrong details or a phone that cannot be reached.

5. Refunds and disputes

• If something goes wrong, contact customer service first. We may put the order on hold while we look at the order record, messages and payment history.
• After a review, the administrator may pay the seller or refund the buyer. A refund goes to the buyer's wallet and the items go back in stock. Orders that were paid for cash on delivery cannot be refunded through the app.
• Orders that are not paid within 30 minutes are cancelled automatically.
• Our decision after a review is final within the app. This does not take away any legal rights you have.

6. Messages and voice notes

• Be respectful. Do not threaten, harass, scam or send illegal or adult content. Reports from several different users can lead to an automatic suspension review.
• Messages are not kept forever. Messages that the other person has seen are deleted automatically 48 hours after they were seen. The person stays in your contacts, so you can start chatting again at any time. Messages that have not been seen are kept until they are seen.
• Voice notes. A voice note that has not been played stays until it is played. After it is played it can be played up to three times in total. It is deleted after the third play, or 24 hours after the first play, whichever happens first.
• Customer service messages are kept so that we can help you and review disputes. You should not rely on TradeHub as a place to store messages or pictures.

7. Buy data

• You can buy mobile data bundles inside TradeHub. You choose the network, the bundle and the phone number, and you pay through Paystack with Mobile Money, or from your TradeHub wallet, or with your gift balance. The price shown is the price you pay (Mobile Money adds a small service fee that is shown before you pay).
• Check the number. The bundle is sent to the number you type. Data that has been delivered cannot be taken back, so a wrong number or a wrong network is your responsibility.
• If a bundle cannot be delivered, the full amount you paid (including the Mobile Money service fee) is returned to your TradeHub wallet automatically. Delivery times depend on the mobile network and can take several minutes.
• MTN Fast and Xpress bundles need the receiving number to be on MTN's list first. We can add it for you; it is usually approved within a few minutes.
• Data sales are accounted for separately from marketplace sales. TradeHub may show, price or hide this section at any time.

7A. School, Funbase and DOKOMI week

• School. You may choose your university or say you are not a student. Your school is shown to other people so students can find sellers at their school. Do not choose a school you do not belong to.
• Funbase. Be kind and respectful. No hate, bullying, adult content, scams, selling off the platform, links or phone numbers. Posts reported by three people are hidden, and TradeHub may remove any post or account.
• DOKOMI week. A sale week run by TradeHub. Joining is optional for sellers. A seller who joins chooses their own discount (never above 70%) and their prices return to normal when the week ends. Buyers pay the price shown when they order.
• Verified tag. A tick next to a name means TradeHub checked that account or that it is an official TradeHub account (for example TradeHub Meme). Reaching 50 likes on a Funbase post earns the tick. TradeHub may remove a tick at any time.
• Pictures and videos in Funbase. When TradeHub switches this on, you may post pictures and short videos. Post only your own content that is safe for everyone. TradeHub may remove any post, and accounts that break the rules lose this feature.
• Gifts and rewards. TradeHub may give gifts to active buyers and to sellers, for example top sellers, long-time sellers or popular Funbase posts. Gifts are decided by TradeHub, are not a right, and can be changed or stopped at any time.

8. Rules and suspension

• Do not cheat, fake reviews or orders, abuse referrals or gift codes, move money through TradeHub only to cash it out, spam people, or try to break into or overload the system.
• We may reject products, hold orders, suspend or delete accounts that break these rules or the law. A suspended seller's products are hidden. You can appeal by contacting support.
• You can ask us to delete your account at any time, as long as you have no unfinished orders.

9. Our responsibility

• TradeHub is a marketplace. Sellers are responsible for their goods and listings, riders and delivery partners for the deliveries they accept, and data companies for their own services.
• We work hard to keep the app available and safe, but we cannot promise it will never have faults, delays or downtime, including faults from our payment, SMS and hosting partners.
• To the extent the law allows, TradeHub is not liable for losses that are not caused by our own fault, such as indirect losses, or losses from payments made outside the app. Nothing here limits any right you have under Ghanaian law.
• These terms are governed by the laws of Ghana.

What we collect

• Your name, phone number, email, region and campus.
• Delivery details you enter (town, place, optional GPS pin), and your orders, ratings, messages and wallet history.
• Device and sign-in information (browser, approximate time and IP address) to protect your account.
• If you use Buy data, the fact that you tapped the link and whether you said you bought. We cannot see what you buy on the other company's site.
• If you sell or deliver: the Mobile Money number you give for withdrawals, and your store or delivery profile.

Why we use it

• To run your account, process orders and payments, deliver your goods and send alerts by SMS and email about orders, approvals and security.
• To show your name to the people you trade with. Seller names, store pages, ratings and product details are public. Your phone number and email are not shown publicly.
• To prevent fraud, handle disputes and obey the law.

Who else sees it

We do not sell your data. We share only what is needed with the services that help us run TradeHub: payment processing (Paystack), SMS (Arkesel), email (EmailJS), hosting and database (Netlify, Google Firebase) and picture storage (Cloudinary). Riders see the delivery details of the orders they deliver. Staff see what they need to help you. We may share information when the law or a court requires it.

How long we keep it

• Chat messages that were seen are deleted 48 hours after they were seen. Voice notes are deleted after three plays or 24 hours after the first play.
• Order, payment and wallet records are kept for as long as needed for disputes, accounting and the law.
• If you delete your account, we remove your profile, wallet and listings. We may keep records we are required to keep.

Your rights and choices

• You can see and correct your details, change your password and review or remove the devices that signed in from the menu.
• You can ask us to give you a copy of your data, correct it or delete it. Email TradeHubgh25@gmail.com.
• The app stores small settings on your device (for example your cart, theme and sign-in) so that it works. It does not use them to track you across other websites.

Security

Passwords are handled by Google Firebase, payments by Paystack, and sensitive records can only be written by our server. No system is perfectly secure, so keep your password private and tell us at once if you think your account was used by someone else. For safety, a device we do not know may need an SMS code, and a device that attacks the system is blocked automatically.

Contact

Questions about these terms or your data: TradeHubgh25@gmail.com, or use Help and support in the app.