Terms of Service

1. Who we are

PINMart is operated by Pay It Now PNG Limited, a company registered in Papua New Guinea.

In these Terms, "we", "us" and "PINMart" mean that company. "You" means the person using the site.

PINMart is a marketplace. Buyers and sellers make the contract of sale with each other. We hold the money in escrow, take a commission, and step in when there is a dispute. We do not own, inspect or warrant the items people list.

2. Your account

• You must be at least 18 years old to have an account.
• Give real details. Your name, email and phone number must be yours and correct.
• One person, one account. Do not create a second account to get around a suspension.
• Your username (handle) is public. It can use lowercase letters, numbers and underscores. Do not choose a handle that pretends to be PINMart, our staff, or another business.
• Keep your password to yourself. Anything done from your account is treated as done by you.
• We will never ask you for your PIN app PIN or password. Nobody from PINMart will ever ask for it.

You can close your account from your account page. See what closing an account does — some records must be kept by law, and money matters must be finished first.

3. Buying

When you buy, your Kina moves out of your PINMart wallet and is held in escrow. The seller can see the money is secured, but is not paid yet.

• Meet the seller, check the item, then confirm receipt. Confirmation authorises the seller payment and cannot be undone.
• New physical orders have 15 days from payment for buyer confirmation. Without confirmation, the full amount returns to the buyer’s PINMart balance. Handover and reporting a problem do not extend this deadline.
• For new physical orders, buyer confirmation automatically queues the seller payment. Finance sends it from the company PIN wallet to the seller’s saved PIN address. No second settling hold or separate withdrawal request applies.
• New digital orders: cancel before unlocking for a full refund. If you never unlock within 15 days of payment, the full amount returns to your PINMart balance. Unlocking starts 48 hours to inspect the file; accept early or report a problem before that period ends. Without a timely dispute, the purchase completes and queues seller payment.
• New digital orders keep their existing digital commission rules (5%, K0.50 minimum). Once the purchase completes, finance pays the seller’s saved PIN wallet after the recorded commission. An open dispute holds the payment for review. No additional settling hold or withdrawal request applies.
• Earlier physical and digital orders keep the terms recorded when they were created. The order page shows which timing applies.
• If something is wrong, report a problem instead of confirming. Our team will review it. For new physical orders, the 15-day refund deadline still applies.
• Earlier orders keep automatic release 7 days after handover unless disputed, subject to the existing digital-file checks. This does not apply to new physical or digital orders.
• For physical goods, while your money is held and the seller has not yet marked handover, you can cancel the order yourself. The Kina goes straight back to your PINMart wallet.
• For new digital orders, unlocking gives access to the file and starts the inspection period. It is not acceptance and does not prove a completed download. Change-of-mind cancellation ends at unlock. See the Refund policy.
• Bids in an auction are binding. If you win, you must pay. An unpaid auction order is cancelled after 24 hours and the listing is released.

Buyers pay no PINMart fee. Buying, and topping up your wallet, cost you nothing.

4. Disputes

If a buyer reports a problem, our team reviews the evidence. A new physical order still refunds the buyer 15 days after payment if they have not acknowledged receipt; reporting a problem does not extend that deadline or authorise a seller payment. If the problem is resolved, the buyer can confirm receipt before the deadline to close the dispute and queue the seller’s payment. For a new digital order, report a file problem during the 48-hour inspection period and before acceptance; payment stays held until we resolve the dispute. Earlier orders retain their existing dispute process.

• We review the evidence under the order’s recorded rules. For a new physical order, our review cannot replace the buyer’s acknowledgment or extend the refund deadline. It does not stop you using any other right you have under PNG law.
• After a digital inspection period or acceptance, contact support for an inaccessible, faulty or misdescribed file. A complaint does not automatically refund or reopen a completed order. This does not remove your rights under PNG law.
• Give us the facts: photos, messages, and what was agreed. We can read the messages sent through PINMart for that listing.
• Reporting a problem is not a free undo. Reporting problems that turn out to be false can get your account suspended.

The full table of situations is in the Refund and dispute policy.

5. Selling

Listing is free. You pay a commission only when your item sells through PINMart escrow.

The exact commission is frozen onto the order when the sale is made and shown on its receipt. Earlier and digital orders retain their recorded fee rules. See Fees, limits and timing.

• For new physical orders, buyer confirmation automatically queues the seller payment. Finance sends it from the company PIN wallet to the seller’s saved PIN address. No second settling hold or separate withdrawal request applies.
• New digital orders keep their existing digital commission rules (5%, K0.50 minimum). Once the purchase completes, finance pays the seller’s saved PIN wallet after the recorded commission. An open dispute holds the payment for review. No additional settling hold or withdrawal request applies.
• Sale proceeds from earlier orders keep their 15-day settlement hold before joining available credits. Your account page shows the date for each sale.
• Only list things you own or are allowed to sell. Describe them honestly, with real photos of the actual item.
• List one item per listing, in the right category, at a real price. Do not use the price or title to game search.
• Do not take a deal off-platform to avoid commission. That removes the buyer protection that makes PINMart worth using, and it can get your account suspended.
• For a digital product, the file you upload is the file the buyer gets. It must be yours to sell and must stay available until the order completes.
• Motors, Property, Jobs and Services are advertised as classifieds. You deal with the other person directly and pay no commission unless you complete the sale through PINMart escrow.

6. Your PINMart wallet and PIN

You have two wallets. Your PINMart wallet is your balance here. Your PIN app wallet is your own Pay It Now account. Money moves between them; trades happen with your PINMart wallet.

• Top up by paying a QR code from your PIN app. A single top-up must be between K1.00 and K20,000.00.
• Pay the exact amount on the QR code. We credit your wallet only when the amount PIN reports matches the QR code to the toea.
• If you pay a different amount, the payment is HELD and not credited. It is not lost. Our team checks it and then either credits it or sends it back to the wallet that paid.
• Withdraw to your PIN app wallet at any time: K10.00 minimum, or your whole balance. You can withdraw up to K5,000.00 in any 24 hours.
• A new or changed payout address is held for 24 hours before it can be paid. This protects you if someone gets into your account.
• Every withdrawal is reviewed and paid by hand by our finance team, as soon as our payout method allows. The fees and limits page gives the usual wait and what happens if it takes longer.
• Your PINMart balance is money we hold for you. It earns no interest and is not a bank deposit.
• PINMart holds the money in its own PIN wallet and records it against your order in our ledger. It is not a separate escrow account held by PIN or a bank.

Every limit and every timing rule is listed on Fees, limits and timing.

7. What you may not do

You may not list, or use PINMart for, any of the following.

• Anything illegal in Papua New Guinea.
• Firearms, ammunition, explosives, and weapons that need a licence.
• Drugs, drug equipment, and prescription medicines.
• Live animals, and protected wildlife or plant products.
• Stolen goods, or anything you cannot prove you may sell.
• Counterfeit or copied goods, and pirated films, music or software.
• Human remains, body parts, and body fluids.
• Alcohol and tobacco, unless you hold the licence the law requires.
• Adult or sexual services and material.
• Other people’s personal information, account logins, or databases.
• Money, gift cards, cryptocurrency, and anything that is really a loan or an investment.
• Land or property you do not own or are not authorised to advertise.

And you may not do any of the following.

• Lie about an item, or use photos that are not of the item you are selling.
• Bid on your own listing, or arrange for someone else to bid it up.
• Ask a buyer to pay outside PINMart, or ask for a bank transfer or top-up "to hold" an item.
• Harass, threaten, or abuse another member.
• Scrape the site, or use bots to bid, list or message.
• Try to get around a suspension, a limit, or a security check.

If you break these rules we may take down a listing, hold or reverse a payment, or suspend your account. A suspended account cannot buy, sell, bid or withdraw. Money already owed to you is not taken from you; it stays in your balance while we sort the matter out.

Report a listing or a member from the listing page, or email support@pin-mart.com.

8. What we are and are not responsible for

We are responsible for:

• Holding your money in escrow and releasing it under the rules on this page.
• Paying out a withdrawal you are entitled to.
• Keeping an accurate, permanent record of every movement of money in your account.
• Deciding disputes honestly, on the evidence both sides give us.

We are not responsible for:

• The quality, safety, legality or description of anything a member lists. We do not inspect items.
• What happens when you meet someone in person. Read Safe meetups before you go.
• A deal you complete off-platform. If the money did not go through PINMart escrow, we cannot help you get it back.
• The PIN app itself, which is run by Pay It Now, or delays inside it.
• The site being unavailable for a time, for maintenance or for reasons outside our control.

Our total liability to you for any claim is limited to the commission you paid PINMart in the 12 months before the claim. We are not liable for indirect or consequential loss — for example lost profit, lost business, or lost time.

Nothing in these Terms takes away a right you have under Papua New Guinea law that cannot be taken away by agreement.

9. Changing these Terms, and ending them

• We may change these Terms. We give you 14 days notice, by email or as a notification in the app, before a change takes effect. The date at the top of this page always shows when it last changed.
• A change never applies backwards to an order that is already in escrow. That order finishes under the rules that applied when it was made.
• You can stop using PINMart at any time, and close your account from your account page.
• We can suspend or close an account that breaks these Terms. We will tell you why unless the law stops us.

10. Which law applies

These Terms are governed by the laws of Papua New Guinea.

If we cannot settle a dispute between us, both sides must first try in good faith to resolve it through mediation. If mediation does not settle it, the dispute is heard by the courts of Papua New Guinea.

Before anything formal, please email us. Almost everything is settled faster that way, and it costs you nothing to try.

11. Contact us

Email support@pin-mart.com, or use the contact page. Our registered address is Section 38 Lot 36, Dakota Place, Jacksons Airport, National Capital District, Papua New Guinea.

Related pages: Privacy Policy · Refund and dispute policy · Fees, limits and timing.