Terms of Service

By creating an account, you legally represent that you are at least 18 years of age. Tarra operates a unified account system. While any user can browse the marketplace, users who wish to operate as Sellers (either as casual sellers or managing a storefront) and users who wish to offer services must verify their identity using a valid, active institutional email address (@student.oauife.edu.ng). You are strictly and solely responsible for all activity conducted under your account credentials.

To protect the marketplace environment from spam and maintain high-quality inventory, merchant storefront capabilities are governed by our internal Status system:

• Starter Status: The default operational tier for newly verified sellers, providing a baseline allocation of monthly upload credits and active product listings.
• Standard & Supreme Status: Upgraded merchant tiers featuring increased or unlimited upload capabilities and Verified Platform Badges. These advanced tiers require manual administrative review and corporate approval.
• Credit Reset: All monthly merchant upload credits automatically reset every 30 days.

For the sale of physical merchandise, Tarra routes all transactions through a secure Buyer Protection Protocol to prevent fraud, ensure order delivery, and protect both buyers and sellers within the campus network. This section governs how payments are verified and settled, how orders may be cancelled, and how disputes and refunds are resolved. It applies exclusively to transactions executed through the Tarra integrated checkout marketplace.

3.1 The Buyer Protection Protocol (Physical Goods Only)

• Delayed Payout Settlement: When a checkout is completed via our licensed payment gateway partner, funds are captured and held securely within the payment processor's regulated infrastructure. Payouts are systematically initiated to the seller's pending earnings ledger only after the buyer confirms receipt of the physical item, or automatically upon the expiration of our standard 24-hour verification window, provided no formal dispute has been initiated.
• The Zero Tolerance Rule: Attempting to conduct, solicit, or route financial payments for physical marketplace goods outside of the Tarra integrated checkout interface is strictly prohibited.
• Absolute Limitation of Liability: Tarra assumes absolutely zero liability for scams, lost funds, or undelivered physical goods resulting from off-platform payment agreements. If you choose to bypass the integrated transaction infrastructure, you completely forfeit all platform protections and assume total personal financial risk.

3.2 Order Cancellations & Processing Fees

• Buyer Restriction: To protect seller inventory allocations from fraudulent holds, buyers cannot cancel a verified transaction once checkout is complete and funds are secured within the gateway processing system.
• Seller Cancellations & Penalties: If a seller cancels an active, paid order, the buyer will be fully refunded to their original payment method. Please note that standard banking refund cycles via our licensed payment gateway dictate that refunded funds may take 3 to 15 business days to reflect in the buyer's account. To protect our marketplace integrity, any cancellation by the seller will result in an immediate moderation strike against the seller's account. All strikes are strictly enforced under our 3-strike Moderation System, leading to mandatory platform suspension or permanent ban.
• System Strike Penalty: In addition to the cancellation penalties outlined above, all strikes are tracked and enforced under our 3-strike Moderation System, leading to mandatory platform suspension or permanent ban.

3.3 Transaction Dispute Initiation Protocols

Buyers may formally contest a transaction and temporarily halt seller settlement processing under the following specific administrative workflows:

• Pre-Arrival Dispute (Non-Delivery): If an ordered item has not been physically delivered within the seller's specified timeframe, the buyer must navigate to the Help and Support dashboard within the Tarra application, select Report, and submit an administrative alert to halt automated settlement.
• Post-Arrival Dispute (The 24-Hour Verification Window): Upon taking physical possession of an item from a vendor, the buyer is granted a strict 24-hour verification window. If the physical item materially deviates from the marketplace storefront description (e.g., incorrect, structurally damaged, or counterfeit), the buyer must navigate to the specific transaction row on their Orders page, click Report a Problem, select the applicable non-compliance category, and submit a written explanatory summary.

3.4 Administrative Mediation & Resolution Process

Upon the formal initiation of a valid order dispute, the associated transaction settlement is immediately frozen within the gateway infrastructure. The Tarra Administrative Support Team will unilaterally review the historic storefront listing parameters, the buyer's written non-compliance statement, and any required verification records. To maintain operational speed, all mediation is handled independently by Tarra Administration.

• Resolution in Favor of the Buyer (Seller at Fault): If Tarra administration determines the seller is at fault (e.g., misrepresentation of product status), the transaction will be cancelled, and the buyer will receive a 100% refund returned to their original payment method.
• Seller Dispute Penalties: If a transaction is cancelled due to a seller being at fault, Tarra will process a 100% refund to the buyer's original payment method (subject to standard 3 to 15 business day banking cycles). The seller responsible for the dispute will receive an immediate system strike under our Moderation System. Severe or repeated misrepresentation of products will result in an immediate and permanent platform ban.
• Resolution in Favor of the Seller: If Tarra administration determines the buyer's claim is unsubstantiated or constitutes basic buyer's remorse, the dispute will be dismissed. The transaction hold will be immediately released, and settlement instructions will be securely transmitted to route the funds to the seller's subaccount.

3.5 Final Administrative Authority

The Tarra Administrative Team holds sovereign, final, and unappealable authority over the outcome of all platform purchase disputes. Any user found systematically abusing the Buyer Protection Protocol, initiating frivolous or fraudulent disputes, or attempting to exploit marketplace sellers will face an immediate, permanent platform ban and account deactivation.

Tarra permits users to list, advertise, and discover legitimate campus services (e.g., hair styling, graphic design, photography, tutoring). For all service listings, Tarra acts strictly as a lead-generation directory and discovery platform.

• No Direct Payment Processing for Services: Tarra's checkout infrastructure is strictly limited to physical retail goods. Tarra does not process, hold, ledger, or guarantee payments for abstract freelance services. All service agreements, bookings, scheduling, and project payments occur entirely off-platform at the personal discretion of the users.
• Absolute Liability Waiver: Tarra assumes absolutely ZERO liability for the quality, safety, legality, execution, or fulfillment of any service discovered or booked through the platform. We are not liable for any physical harm, property damage, personal disputes, or financial losses that occur during an offline service meetup. Users are solely and strictly responsible for conducting comprehensive due diligence before meeting an independent service provider or making off-platform peer-to-peer transfers.

To ensure a secure environment, Tarra enforces a strict, three-tier moderation system. System strikes are actively issued for platform policy violations, including attempting to route physical-good payments off-platform, unjustified order cancellations, misleading product descriptions, and inappropriate or abusive behavior.

• 1 Strike: Official administrative warning.
• 2 Strikes: Final warning; product/service visibility and platform search rankings are structurally penalized.
• 3 Strikes: Mandatory account suspension. All listings are systematically hidden, and buying/selling privileges are disabled.
• Permanent Bans: Tarra's Administrative team holds sovereign, final authority over dispute mediation and reserves the absolute right to manually issue permanent platform bans at any time for severe or recurring safety violations.

The listing, sale, promotion, or distribution of the following items or services is strictly prohibited on Tarra and will result in an immediate, permanent platform ban:

• Illegal & Regulated Substances: Narcotics, prescription medications, drug paraphernalia, alcohol, and tobacco or vaping products.
• Weapons & Harmful Items: Firearms, tactical knives, explosives, fireworks, or any item intended to cause bodily harm.
• Stolen Property: Any goods acquired illegally or without ownership rights. Tarra will fully cooperate with campus security and local law enforcement regarding stolen property investigations.
• Academic Fraud: Pre-written assignments, academic term papers, leaked live examination materials, or paid "mercenary" examination-taking services. (Note: Legitimate student study guides, past questions, and textbooks are permitted and encouraged).
• Medical & Health Services: Unlicensed medical advice, medical procedures, clinical services, or unverified body supplements.
• Unlicensed Financial Services: Micro-lending, loan shark operations, betting agents, lottery schemes, or cryptocurrency and digital asset trading services.
• Explicit Content & Adult Services: Pornographic material, explicit digital media, adult nudity, or escort/adult entertainment services.

User Content License: By uploading images, brand graphics, product descriptions, or other storefront content to the platform, you grant Tarra a worldwide, non-exclusive, royalty-free, sublicensable license to display, reproduce, and distribute that content strictly to operate, optimize, and promote the marketplace ecosystem. You represent and warrant that you own or possess the absolute legal right to upload this content.

Tarra Corporate Property: Tarra retains all sovereign intellectual property rights to its platform source code, database architectures, branding, trademarks, interface designs, and digital transaction routing frameworks. You may not copy, reverse engineer, scrape, or distribute our digital assets without explicit, prior written permission from Tarra Digital Limited.

The Tarra platform is provided on an "as-is" and "as-available" basis. We explicitly disclaim all implied warranties regarding platform uptime, merchantability, fitness for a particular purpose, or the error-free execution of third-party payment gateway frameworks.

You agree to fully indemnify, defend, and hold harmless Tarra Digital Limited, its founders, directors, and affiliates from any claims, lawsuits, liabilities, damages, operational losses, or legal fees arising from your violation of these terms, your offline service meetups, your sale of prohibited items, or your interactions and financial transactions with other platform users.

To maintain a safe campus environment, Tarra maintains a strict, zero-tolerance policy against objectionable content and abusive users. "User Generated Content" includes all storefront photos, product descriptions, service listings, and profile information uploaded to the platform.

• Zero Tolerance: The posting of explicit, defamatory, harassing, or otherwise objectionable content is strictly prohibited.
• Reporting & Blocking: Users have the ability to immediately flag inappropriate content and block abusive users directly within the application interface.
• 24-Hour Resolution: The Tarra Administrative Team actively monitors the platform and commits to reviewing all flagged content reports within 24 hours.
• Enforcement: Any user found in violation of this UGC policy will have their content immediately removed and will face permanent ejection from the platform. There is no appeal process for severe UGC violations.