Terms & Conditions
Last updated 1 September 2026. By creating an account or transacting on Panta you accept these terms.
1. Who can use Panta
Panta is built for students and vendors serving Nigerian campuses. You must be at least 16, provide accurate details, keep your login secure and remain responsible for everything done through your account.
2. Panta is a marketplace, not the seller
Except for services we sell directly (such as advertising), Panta is a venue that connects buyers with independent sellers, food vendors and event organizers. The contract for each item, meal, service or ticket is between you and that seller or organizer. Panta does not own, inspect, store or deliver their goods.
3. Buying and escrow
Payments are made through our licensed payment provider and held by Panta until you confirm delivery or the confirmation window closes. Raise a problem before confirming to open a dispute; once you confirm delivery, funds are released to the seller.
4. Selling
Sellers must describe items accurately, hold the legal right to sell them, honour listed prices and deliver on time. Panta charges a 7% marketplace fee on completed sales, deducted at payout. You are responsible for your own tax obligations.
5. Food vendors
Vendors are responsible for food safety, hygiene, allergen information, licensing, opening hours and order accuracy on their campus. Panta does not prepare or handle food.
6. Events and tickets
Only verified organizers may publish events and sell tickets. Organizers must deliver the event as advertised, honour applicable refunds and comply with venue and safety rules. Tickets are personal, verified by QR code at entry, and a ticket already checked in may be refused.
7. Payments, fees and payouts
Prices are in Nigerian Naira and include the amounts shown at checkout. Payment processing is handled by our provider under their own terms; card data never reaches Panta. Payouts are made to the bank account on your wallet after fees and any reversals, and we may hold a payout while an order, dispute or fraud review is open.
8. Refunds, cancellations and chargebacks
Refunds are issued to the original payment method for orders that are cancelled before dispatch, not delivered, materially different from the listing, or resolved in the buyer's favour in a dispute. Refunds on completed food orders and used tickets are at the vendor's or organizer's discretion unless the law requires otherwise. If a chargeback is raised, we may reverse the related payout and recover the amount from the seller's wallet.
9. Disputes
Panta reviews disputes using the order record and evidence from both parties and may refund the buyer, release funds to the seller, or split the amount. Our decision on the release of escrowed funds is final for the purposes of this platform and does not remove your legal rights.
10. Prohibited items and conduct
No weapons, drugs, stolen goods, counterfeits, live animals, prescription medicines, adult content, exam malpractice services, financial schemes, or anything illegal under Nigerian law. No harassment, off-platform payment solicitation, price manipulation, fake reviews, scraping or attempts to bypass platform security.
11. Your content and licence
You keep ownership of the listings, images and reviews you upload, and grant Panta a non-exclusive, royalty-free licence to host, display and promote that content on the platform. You confirm you have the rights to everything you upload. We may remove content that breaches these terms or a third party's rights.
12. Ambassadors and advertising
Ambassador commission is governed by the Ambassador Terms. Advertising is sold as packages; we may reject or remove any ad that is misleading, illegal or unsuitable, and ad spend for removed ads may be refunded pro rata at our discretion.
13. Data protection
We process personal data as described in the Privacy & Data Protection Policy, which forms part of these terms. You must handle any personal data you receive through an order — such as a buyer's contact or delivery details — only to complete that order.
14. Service availability
Panta is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted access, and we may change, suspend or withdraw features, campuses or categories with reasonable notice where practical.
15. Disclaimers
To the maximum extent permitted by law, Panta gives no warranty about the quality, safety, legality or delivery of items, meals, services or events listed by users, or about the truth of user content. Verification badges indicate checks we have carried out; they are not a guarantee.
16. Limitation of liability
To the maximum extent permitted by Nigerian law, Panta is not liable for indirect, incidental or consequential loss, loss of profit, data or goodwill, or for the acts of other users. Our total liability for any claim relating to a transaction is capped at the value of that transaction, and for all other claims at the total fees you paid Panta in the 6 months before the claim. Nothing here excludes liability that cannot lawfully be excluded, including for fraud or death or personal injury caused by our negligence.
17. Indemnity
You agree to indemnify Panta against claims, losses and reasonable costs arising from your listings, events, content, tax obligations or breach of these terms.
18. Suspension and termination
We may limit, suspend or close accounts that abuse the platform, defraud users, create risk for Panta or repeatedly break these terms, and may withhold pending payouts while we investigate. You may close your account at any time, subject to completing open orders.
19. Governing law and disputes with Panta
These terms are governed by the laws of the Federal Republic of Nigeria. We ask you to contact support first so we can resolve the matter informally; if that fails, the courts of Nigeria have jurisdiction, without prejudice to your right to complain to a relevant regulator.
20. Changes to these terms
We may update these terms and will post the new version here with an updated date. Material changes take effect 7 days after posting; continuing to use Panta after that means you accept them.
Questions? Reach us from Settings & help.