Terms of Service

1. Acceptance of these terms

These Terms of Service (“Terms”) form an agreement between you and The Breej Global Limited (RC 1861385), a company registered in Nigeria (“Breej”, “MindStep”, “we”, “us” or “our”) and govern your use of the MindStep mobile app, web app at app.usemindstep.com, this website and related services (the “Services”).

By creating an account or using the Services you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

2. Eligibility and student requirement

MindStep is built for students in Nigerian universities and other higher institutions. To use the Services you must:

• Be at least 18 years old, or have the consent of a parent or legal guardian where the law allows;
• Be a current student, or otherwise meet any eligibility criteria we publish for a particular feature;
• Provide accurate information and be able to enter into a binding agreement; and
• Not be barred from using the Services under applicable law.

We may ask you to confirm your student status and may limit or suspend features if we cannot.

3. Account creation and security

You must provide accurate, current information when you register and keep it up to date. You may hold only one personal account unless we allow otherwise.

You are responsible for keeping your login details, passcodes and devices secure and for all activity under your account. Never share your password, PIN or OTP, and tell us immediately at support@usemindstep.com if you suspect unauthorised use. MindStep will never ask for your password, PIN or OTP.

4. The Services

MindStep provides a platform that may include a student wallet and budgeting tools, bill and utility payments, a tutoring marketplace, the NEXUS campus ecosystem (marketplace, feed, communities, chat, polls and events) and an ambassador programme. Features may change, be added or be removed, and availability may vary by device, location or institution. The Android app and web app are available; an iOS app is not yet available.

5. Wallet

The wallet lets you hold a balance for use within MindStep. Funding and withdrawals are processed by third-party payment partners, including Paystack and Flutterwave where applicable, and are subject to their terms and to our limits and verification requirements.

A wallet balance is not a bank deposit and does not earn interest unless we expressly say so. We may delay, limit or decline transactions to comply with law, prevent fraud or protect users. Check recipient details carefully: transfers may not be reversible once completed.

6. Bills and utilities

You can purchase airtime, mobile data, electricity, cable TV and exam-related pins and services (such as WAEC, NECO and JAMB-related services) through MindStep. These are delivered by third-party providers. You are responsible for entering correct numbers and details. Because delivery is typically instant, completed purchases may not be refundable except where the provider fails to deliver or where required by law.

7. Marketplace (NEXUS)

NEXUS allows users to list and buy goods and services. MindStep provides the platform only. Unless we say otherwise, we are not the seller of listed items or the provider of listed services, and contracts for sale are between buyer and seller.

Seller obligations

• Describe items and services accurately and honestly, including price, condition and delivery arrangements;
• Only list items you are legally allowed to sell and that are not prohibited (see Prohibited conduct);
• Deliver what you promise on time and communicate promptly; and
• Honour agreed prices and comply with all applicable laws.

Buyer obligations

• Read listings carefully and check the seller and the listing before you pay;
• Inspect items on receipt and
• Communicate respectfully and in good faith.

8. Tutoring

Tutor obligations

• Represent your qualifications, subjects and experience accurately;
• Attend booked sessions on time and deliver them professionally;
• Never encourage academic dishonesty, including doing assessed work for another student; and
• Keep student information confidential.

Student obligations

• Book sessions in good faith and attend on time, or cancel according to the cancellation rules;
• Treat tutors respectfully and use tutoring for learning, not to commit academic misconduct; and

MindStep is a platform that connects students and tutors. We do not guarantee academic results.

9. Payments between users and reporting problems

When you pay a tutor or seller through MindStep, the payment goes to them. MindStep does not hold, safeguard or guarantee funds on behalf of buyers or sellers, and does not act as an escrow agent. Check who you are paying and the details of the transaction before you pay.

If a transaction does not go as agreed, you can report it from the transaction. We may review reports and, where we think it appropriate, take action on accounts, such as warnings, restrictions or removal of listings. We cannot promise to recover or reverse payments made between users. Nothing in this section affects any rights you may have under law.

10. Payments, fees, refunds and cancellations

MindStep is free to download and an account is free to create. Certain marketplace and tutoring transactions may attract a small platform commission, and payment processors may charge processing fees in some cases. Any applicable fee is shown before you confirm the transaction. We may change fees on notice; changes do not apply to transactions already confirmed.

Payments to tutors and sellers are made directly to them, so refunds are a matter between you and them; MindStep does not hold funds and cannot guarantee a refund. Completed bill purchases are generally not refundable unless delivery fails.

11. Prohibited conduct

You must not use the Services to:

• Break any law or regulation, including money-laundering, fraud and scam activity;
• Sell or promote illegal, counterfeit, stolen, dangerous or otherwise prohibited items or services;
• Harass, threaten, impersonate or discriminate against others, or post sexual, hateful or violent content;
• Facilitate academic dishonesty, such as selling exam answers or completing assessed work for others;
• Manipulate ratings or reports, or move transactions off-platform to avoid fees;
• Interfere with the Services, attempt unauthorised access, scrape data or use bots without permission; or
• Create multiple accounts to abuse promotions, rewards or limits.

12. Ambassador programme, rewards and revenue share

The ambassador programme is open to eligible students who apply and are accepted. It is not employment and carries no guaranteed salary. Ambassadors are independent participants and not employees, agents or partners of Breej.

Qualifying ambassadors may earn tiered rewards, wallet-based rewards and, in some tiers, revenue-sharing opportunities, according to the programme rules we share with accepted ambassadors. Rewards depend on meeting stated criteria, are not guaranteed, and we may change, pause or end the programme or any rewards on notice. Rewards obtained through fraud, self-dealing or breach of these Terms may be withheld or reversed. Taxes on rewards, where any apply, are your responsibility.

13. Intellectual property and your content

The Services, including the MindStep and Breej names, logos, software and design, belong to Breej or its licensors and are protected by law. We grant you a limited, personal, non-transferable licence to use the Services in line with these Terms.

You keep ownership of content you post. You grant us a non-exclusive, worldwide, royalty-free licence to host, display and distribute it as needed to operate and promote the Services. You confirm you have the rights to the content you post.

14. Third-party services

The Services rely on and may link to third-party services, such as payment processors, telecom and utility providers and app stores. We do not control them and are not responsible for their acts, availability or terms. Your use of them is at your own risk and subject to their terms.

15. Suspension and termination

We may suspend, restrict or terminate your access, withhold funds where we are required or permitted to, or remove content, if you breach these Terms, if we suspect fraud or illegal activity, if required by law, or to protect users or the Services. Where practical, we will tell you why. You may stop using the Services at any time.

16. Account deletion

You can delete your account in the app at Settings → Account → Delete Account, or by submitting a request on our Delete Account page. Pending transactions and disputes may need to be resolved first. Some information may be retained where required by law, to prevent fraud, resolve disputes, enforce agreements, or maintain necessary financial records, as described in our Privacy Policy.

17. Disclaimers

The Services are provided “as is” and “as available”. To the extent permitted by law, we do not make promises that the Services will be uninterrupted, error-free or free from harmful components, or that listings, tutors or other users will meet your expectations.

Nothing on MindStep is financial, investment, legal, tax or academic advice. Budgeting tools and projections are for information only.

18. Limitation of liability

To the fullest extent permitted by law, Breej and its directors, employees and partners will not be liable for indirect, incidental, special, consequential or punitive losses, or for loss of profits, data or goodwill, arising from your use of the Services. Our total liability for any claim relating to the Services is limited to the greater of the fees you paid to us for the relevant transaction or ₦50,000. Nothing in these Terms limits liability that cannot lawfully be limited, including for fraud or for death or personal injury caused by negligence.

19. Indemnity

You agree to indemnify and hold Breej harmless from claims, losses and expenses (including reasonable legal fees) arising from your breach of these Terms, your content, or your misuse of the Services, to the extent permitted by law.

20. Changes to these terms

We may update these Terms from time to time. We will update the “Last updated” date and, for material changes, give notice in the app or by email. Continuing to use the Services after the changes take effect means you accept them.

21. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria. Subject to any mandatory rights you have under law, the courts of Nigeria have jurisdiction over disputes arising from them. We encourage you to contact us first so we can try to resolve any issue informally.

You may wish to seek independent legal advice about how these Terms apply to your situation.

22. Contact us

Questions about these Terms? Email support@usemindstep.com or use our contact form.