Help Start ya
The rules for using ib4me, whether you're donating, tipping or running a campaign.
Last updated 2 October 2026
This summary helps you find your way. The full text below is what applies.
ib4me is a crowdfunding platform for Sierra Leone. It is run by ib4me Ltd, a company registered in Sierra Leone, at 27B Grassfield, Freetown ("ib4me", "we", "us").
These terms apply whenever you use ib4me: browsing, donating, tipping, creating an account or running a campaign. By using the platform you agree to them. If you don't agree, please don't use ib4me.
Our Privacy Policy explains what we do with your information, and our Cookie Policy covers cookies.
You must be at least 18 to create an account or run a campaign. When you sign up, you agree to:
There are two kinds of account. An individual account can run up to 2 active campaigns at a time. An organization account, for registered NGOs, charities and similar bodies, can run up to 8 and pays a lower platform fee. We may change these limits.
You are responsible for everything done through your account.
Campaigns go live as soon as you publish them. We don't check them first. That makes you responsible for what your campaign says. When you run a campaign, you agree to:
You can raise money before you verify your identity. Until you do, your campaigns show an "Unverified organizer" badge so donors can decide for themselves. Once your ID check is approved, the badge changes to "Verified organizer". A verified badge means we checked who you are. It doesn't mean we checked or approved your campaign.
A donation is a gift. You get nothing back for it: no goods, no services, no share in anything, and no say in how the campaign is run.
Please read a campaign carefully before you give, especially if its organizer is unverified. We don't guarantee that a campaign will reach its goal, or that an organizer will use the money as they said.
We don't give tax advice. Whether a donation is tax-deductible depends on where you live.
Mobile money (Orange Money and AfriMoney) works on every campaign. Card payments only work on campaigns where we have switched them on. We decide which campaigns can take cards, and we can switch cards off for any campaign at any time, for example if we see signs of risk.
A cardholder's bank can sometimes reverse a payment, for example when the card was stolen. If that happens, we may take the reversed amount, and any fee the bank charges us, back out of the campaign's balance. If the money has already been withdrawn, the organizer agrees to repay it. Several reversals on one campaign may lead us to switch off cards or hold the campaign (see section 9).
ib4me is funded by a platform fee on donations. Every fee is shown before you pay. The current rates are:
Tips are optional. A tip goes to ib4me, not to the campaign, and no platform fee is taken from it.
We may change our fees. The rates in force are always on our pricing page, and a change never applies to a payment you have already made.
Each campaign has its own balance. To withdraw from it:
Withdrawals to mobile money are processed automatically, up to a limit over a rolling 30-day period. Above that limit, withdraw to a bank account instead. Larger bank withdrawals are reviewed by our team first, and some may be paid by bank transfer or cheque outside the platform. Withdrawals below our minimum amount, or below a minimum share of what the campaign has raised, wait for a manual review.
We can delay or refuse a withdrawal if your identity doesn't match, if a hold is on the campaign, or if we need to look into it (see section 9).
We don't check campaigns before they go live, but we do watch for misuse and we act on it. If we suspect fraud, misuse of funds or a breach of these terms, we may do any of the following, with or without notice:
While we look into a campaign, its money stays where it is and can't be withdrawn. When we finish, we decide what to do case by case and as the law requires. Depending on what we find, we may release the hold, keep it in place, or deal with the funds as a court, regulator or law enforcement agency directs.
We may report suspected fraud or money laundering to the police, the Financial Intelligence Agency and our payment partners, and share information with them.
Where we can, we'll tell you why we acted. Sometimes the law or an investigation stops us. If you think we got it wrong, email ib4me.organisation@gmail.com within 30 days and we'll review the decision.
Donations are final. We only refund in these cases:
To ask for a refund, email ib4me.organisation@gmail.com within 30 days of your donation, with the payment reference and the number or card you paid with. Refunds are decided by us and sent back by hand, usually to the same mobile money number. Because payment fees may not come back to us, we'll tell you the amount before we send it. A refund can take time.
Tips are refunded on the same terms.
You keep ownership of what you post: your story, photos and updates. You give us permission to show it on ib4me and to use it to promote your campaign and the platform, for example in share images. This permission is free and worldwide, and it ends when your content is removed. We may keep copies where the law or a dispute requires it.
The ib4me name, logo and website are ours. Please don't copy or reuse them without asking.
ib4me is a platform that connects organizers and donors. We are not a bank, a charity or a party to a donation, and we don't guarantee any campaign.
We work to keep ib4me running, but it may sometimes be slow or unavailable, and payment networks can fail. As far as the law allows, we are not liable for indirect losses, or for losses caused by what an organizer or donor does. Our total liability to you is limited to the fees we received from your transactions in the 12 months before the claim.
Nothing in these terms limits liability that the law doesn't allow us to limit, including liability for fraud.
If you break these terms and someone makes a claim against us because of it, you agree to cover our reasonable costs.
You can stop using ib4me at any time. To close your account, email ib4me.organisation@gmail.com. A campaign that has raised money can't be deleted. It can be archived, and any balance must be withdrawn or settled first.
We may close an account that breaks these terms, as set out in section 9. Some records, such as donations and withdrawals, are kept after an account closes, as our Privacy Policy explains.
We may update these terms. When we do, we'll post the new version here with a new date and show a notice on the platform. If you keep using ib4me after that, the new terms apply. Changes don't affect donations or withdrawals already made.
These terms are governed by the laws of Sierra Leone. If you have a problem, please contact us first and we'll try to sort it out. If we can't, the courts of Freetown, Sierra Leone, will decide.
We may help organizers and donors talk to each other, but we don't have to settle disagreements between them.
If part of these terms turns out to be unenforceable, the rest still applies. If we don't enforce a term straight away, we can still enforce it later. These terms and our Privacy Policy are the whole agreement between you and us.
Questions about these terms, a report about a campaign, or a request to review a decision: