Last Updated: 02/08/2026
Please read these Terms and Conditions (“Terms”) carefully before using Rentam-gh (the “Platform,” “App,” “we,” “us,” or “our”). These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and Shai-digi Studio, a company operating in the Republic of Ghana.
By creating an account, listing an item, or booking a rental through the Platform, you agree to be bound by these Terms, our Privacy Policy, and any other policies referenced herein. If you do not agree, you must not use the Platform.
2.1 Rentam-gh is a marketplace and technology intermediary only. We connect individuals and small businesses who wish to rent out items (“Listers”) with individuals who wish to rent them (“Renters”).
2.2 We are not a party to the Rental Agreement. Every rental transaction is a private contract between the Lister and the Renter. We do not own, inspect, control, or guarantee the condition, safety, legality, or quality of any item listed.
2.3 We do not provide insurance for listed items unless explicitly stated in a separate insurance policy offered on the Platform.
3.1 You must be at least 18 years old and legally capable of entering into binding contracts under Ghanaian law to use the Platform.
3.2 To verify your identity and reduce fraud, you are required to provide:
3.3 You agree that all information provided is accurate, current, and complete. Providing false identity information is grounds for immediate account suspension and may be reported to the appropriate authorities.
3.4 You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
3.5 We reserve the right to refuse registration, suspend, or terminate accounts at our discretion, particularly where verification cannot be completed or fraud is suspected.
4.1 Listers are solely responsible for the accuracy of their Listings, including item description, condition, photos, availability, and pricing.
4.2 Prohibited Listings include, but are not limited to:
4.3 We reserve the right to remove any Listing that violates these Terms, without notice.
4.4 Listers set their own rental prices and, where applicable, security deposit amounts. The Platform may charge a service fee/commission on each completed transaction, as disclosed at checkout.
5.1 When a Renter books an item and payment is confirmed, a binding Rental Agreement is formed directly between the Lister and the Renter for the agreed rental period, price, and terms.
5.2 The Platform facilitates this booking and payment process but is not a guarantor of either party’s performance.
5.3 Pick-up, drop-off, and handover arrangements should be agreed upon by both parties, including through the in-app chat feature. We strongly recommend that both parties inspect the item together at handover and return, and document the item’s condition with photos/video at both points, as this evidence is critical for resolving later disputes.
5.4 It is the responsibility of both Lister and Renter to meet in safe, public, or otherwise verifiable locations where possible, particularly for high-value items.
6.1 All payments on the Platform are processed through Paystack, a third-party licensed payment service provider. By making a payment, you also agree to Paystack’s applicable terms.
6.2 Funds paid by a Renter are held and credited to the Lister’s in-app Wallet upon confirmed completion of the rental, less the Platform Commission and payment processing fee described in Section 12.
6.3 The Renter pays the exact rental price shown on the Listing, with no additional buyer-side fee added at checkout. All commissions and processing fees described in Section 12 are deducted from the amount paid out to the Lister.
6.4 Wallet balances may be withdrawn to the User’s registered Mobile Money account. Withdrawal requests are processed within 36 hours. We are not responsible for delays caused by Mobile Money network operators or incorrect account details provided by the User.
6.5 Security Deposits. Where a Lister requires a security deposit, this amount will be collected from the Renter at booking and held by the Platform until the item is returned in its original condition. Security deposits are not subject to the Platform Commission described in Section 12, as they do not form part of the Platform’s revenue. If both parties agree on a deduction (for damage, loss, or late return), the amount will be released accordingly. Where parties cannot agree, the dispute resolution process in Section 9 applies.
6.6 All prices are stated in Ghana Cedis (GHS).
6.7 You are responsible for any taxes applicable to your income earned through the Platform, including under the Income Tax Act, 2015 (Act 896) for self-employed and small business income. The Platform does not withhold or remit taxes on your behalf unless required by law.
7.1 Renter cancellations:
7.2 Lister cancellations: If a Lister cancels a confirmed booking (e.g., item unavailable, damaged, or misrepresented), the Renter is entitled to a full refund, including the service fee. Repeated cancellations by a Lister may result in penalties, including suspension.
7.3 Item not as described / not delivered: If a Renter does not receive the item, or receives an item materially different from the Listing, the Renter may request a refund by opening a dispute (see Section 9) within 24 hours of the scheduled handover.
7.4 Refunds are issued to the original Wallet or payment method and may take 24 hours to reflect, depending on Paystack and Mobile Money processing times.
7.5 The Platform’s service fee is non-refundable except where the cancellation is due to a fault of the Platform itself (e.g., technical error, duplicate charge).
8.1 Renter responsibility. The Renter is responsible for the item from the moment of handover until it is returned to the Lister, and agrees to:
8.2 In case of damage: The Renter must notify the Lister and the Platform as soon as damage occurs or is discovered. The cost of repair or replacement will first be deducted from any security deposit held. If the deposit is insufficient, the Lister may pursue the Renter directly for the balance, and may use evidence (photos, chat logs, condition reports) submitted through the Platform to support a claim.
8.3 In case of theft or total loss: The Renter must report the incident to the Ghana Police Service and obtain a police report/reference number, and must share this with the Lister and the Platform within 24 hours of discovery. The Renter will generally be liable for the fair market value of the item unless it can be shown the loss was not due to the Renter’s negligence (e.g., robbery with evidence of reasonable care taken).
8.4 Lister’s responsibility. Listers must ensure items are safe, functional, and as described. A Lister is responsible for any harm caused by a defective or dangerous item that was not disclosed (e.g., faulty electrical equipment, unsafe scaffolding/tools).
8.5 Platform’s role. The Platform is not an insurer and does not guarantee reimbursement for damage, loss, or theft. Our role in such cases is limited to facilitating communication, holding/releasing any security deposit per the agreed outcome, and providing a dispute resolution process. Users are encouraged to independently insure high-value items where possible.
8.6 Users acknowledge that transactions between Listers and Renters are conducted at their own risk, and the Platform’s total involvement is as a facilitator, not a guarantor of outcomes.
9.1 Users are encouraged to resolve disagreements directly via the in-app chat in the first instance.
9.2 If unresolved within 72 hours, either party may open a formal dispute through the Platform by submitting evidence (photos, videos, chat history, receipts, police reports where applicable).
9.3 The Platform may, at its discretion, review submitted evidence and propose a resolution regarding release of any held security deposit. Any decision made by the Platform in this process is offered as a facilitation service only and is not a legally binding arbitration award, unless both parties expressly agree in writing to be bound by it.
9.4 Nothing in this Section prevents either party from pursuing formal legal action, mediation, or a police report where warranted, including for theft, fraud, or significant damage.
9.5 The Platform reserves the right to suspend or terminate the account of any User found, on reasonable evidence, to have committed fraud, theft, or repeated breaches of Rental Agreements.
10.1 The in-app chat must only be used to arrange legitimate details of a rental (pickup/drop-off, condition, timing, etc.).
10.2 Prohibited conduct includes:
10.3 We may monitor chat content for safety, fraud prevention, and dispute resolution purposes, and reserve the right to suspend accounts that violate this section. See our Privacy Policy for details on how chat data is handled.
11.1 Users agree not to solicit or complete payment for a rental outside the Platform’s payment system in order to avoid service fees.
11.2 Transactions conducted off-platform are entirely at the Users’ own risk. The Platform’s protections — including dispute resolution, security deposit handling, and any buyer/renter protection measures — apply only to bookings and payments made through the Platform.
12.1 Platform Commission. By listing an item on the Platform, the Lister agrees to pay Shai-digi Studio a commission of 3% of the rental value of every completed booking (“Platform Commission”). The Platform Commission is calculated on the rental price only and does not apply to any security deposit collected under Section 6.5.
12.2 Payment Processing Fee. In addition to the Platform Commission, a separate payment processing fee of approximately 2% of the rental value, charged by Paystack for processing the transaction, is also deducted from the amount paid out to the Lister. This fee is set by Paystack, not by the Platform, and may change if Paystack updates its own pricing.
12.3 Together, the Platform Commission and the payment processing fee mean a Lister should expect to receive approximately 95% of the listed rental price in their Wallet for each completed booking (i.e. a combined deduction of approximately 5%, subject to Section 12.2). Listers are encouraged to factor this into how they price their Listings.
12.4 The Renter is not charged any additional booking or service fee on top of the listed rental price; the Platform Commission and payment processing fee are borne entirely by the Lister.
12.5 By publishing a Listing and accepting a booking, the Lister authorizes the Platform to deduct the Platform Commission and payment processing fee directly from the payout before it is credited to the Lister’s Wallet. This authorization applies automatically to every completed booking and does not require separate confirmation each time.
12.6 The Platform Commission rate may be changed in the future. Any change will be communicated to Listers via in-app notification with reasonable advance notice, and will apply only to bookings made after the change takes effect.
12.7 Withdrawal from Wallet to Mobile Money may incur a separate transaction fee, as disclosed at the time of withdrawal.
13.1 We may suspend or terminate a User’s account, with or without notice, where we reasonably believe the User has:
13.2 Users may close their account at any time, subject to settlement of any pending bookings, disputes, or Wallet balances.
14.1 To the maximum extent permitted under Ghanaian law, Shai-digi Studio shall not be liable for:
14.2 Where liability cannot be excluded under Ghanaian law, our total liability to any User in connection with the Platform shall not exceed the total service fees paid by that User in the [3] months preceding the claim.
You agree to indemnify and hold harmless Shai-digi Studio, its directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Platform, your breach of these Terms, your Listing, or your conduct in a Rental Agreement with another User.
16.1 We collect and process personal data, including Ghana Card details, in accordance with the Data Protection Act, 2012 (Act 843) and our Privacy Policy.
16.2 Your data is used to verify your identity, facilitate transactions, prevent fraud, and comply with legal obligations. It will not be sold to third parties.
By using the Platform, you consent to the collection and processing of your data as described in our Privacy Policy
All content on the Platform, including the app design, logo, and software, is owned by Shai-digi Studio and protected under Ghanaian and international intellectual property law. Users retain ownership of content (e.g., Listing photos) they upload but grant the Platform a license to display and use it for operating and promoting the Platform.
Neither the Platform nor Users shall be liable for failure to perform obligations due to events beyond reasonable control, including natural disasters, civil unrest, government action, power or network outages, or pandemics.
These Terms are governed by the laws of the Republic of Ghana. Any dispute arising from these Terms or the use of the Platform that cannot be resolved amicably shall be subject to the exclusive jurisdiction of the courts of Ghana, or, where the parties agree, referred to arbitration under the Alternative Dispute Resolution Act, 2010 (Act 798).
We may update these Terms from time to time. Material changes will be communicated via in-app notification or email. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.
For questions, complaints, or disputes, contact:
Shai-digi Studio Email: [email protected] Phone: +233242148397
By checking “I agree” or by creating an account, booking, or listing an item, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
