Terms of Service

Menda lets a patient raise money towards a hospital bill that the hospital treating them has confirmed. Donors give towards that bill, and the money is paid to the hospital.

Menda is a platform. We are not a hospital, a doctor, a bank or an insurer. We do not provide medical advice, decide treatment, or guarantee any medical outcome. Care is between a patient and their hospital.

We are also not a lender. Nothing raised on Menda is a loan, and nothing is repayable.

You must be at least 18 and able to enter a contract under Nigerian law. A child can be the beneficiary of a campaign, but the account and the campaign belong to a parent or guardian.

You may hold one account. Everything you tell us must be true, and you are responsible for keeping your password and your device secure. Tell us straight away if you think someone else has got into your account.

A campaign starts with a patient submitting their treatment cost and the hospital treating them. Before anything is shown publicly, that hospital must confirm the bill through Menda. A campaign that is not verified is never live and never collects.

When you submit a campaign you confirm you are the patient or an authorised guardian, and you consent to Menda publishing the case and the verified bill so that people can give. We record that consent, when it was given, and the exact wording you agreed to.

The amount you can raise is the bill the hospital verified. You cannot set your own target above it.

Menda may decline, pause or close a campaign, including one already live, where information appears false, where a hospital withdraws its verification, or where we are required to. Where we close a campaign we record why, and the patient can see it.

A donation is a voluntary gift towards a specific verified hospital bill. It is not a purchase, an investment, or a payment for any service, and you receive nothing in return.

Payments are processed by Flutterwave. Menda never sees or stores your card details. You may choose whether your name appears on a campaign; choosing to stay anonymous hides your name and photo from everyone but you.

Menda does not give tax advice. Whether a donation is deductible for you is a question for your own adviser.

Money given to a campaign is held for that campaign and paid to the bank account of the hospital treating the patient. It is never paid to a patient, a family member, or any individual.

Before any payment leaves, a member of Menda staff must authorise it and confirm the receiving account. Hospitals confirm receipt in the platform, and the patient sees each of those steps as it happens.

Donors are never charged a fee. What you enter is what leaves your account, and the whole of it is credited to the campaign.

Menda takes 3% of what a campaign raised. It is taken once, at the point the money is sent to the hospital, and never at any other time. A campaign that never pays out is never charged anything.

A campaign's target is set slightly above the verified bill, so that the hospital receives the bill in full. The fee comes out of what is raised, so a target equal to the bill would send the hospital 97% of it and leave the patient owing the rest at the end of a campaign that had reached its goal. Instead the target is the bill plus the fee on it. On a ₦500,000 bill the target is ₦515,464, our fee is ₦15,464, and the hospital is paid ₦500,000.

Every screen that shows a target shows the bill and the fee beside it. The larger number is not the hospital's bill and we do not let it stand alone as though it were.

Until August 2026 the target was the bill exactly and the patient settled the remaining 3% with their hospital. A hospital partner told us that this broke the promise the product is built on. They were right. Campaigns still raising at that point had their targets adjusted; campaigns already paid out were left as they were, and what they were told at the time is what happened.

If a campaign only raises part of its target, we take 3% of what it raised and nothing more. The rest of the bill stays between the patient and the hospital.

The rate is recorded on each campaign when it is created. If Menda ever changes it, campaigns already running keep the rate they were created under.

Donations do not always arrive the moment they are made, so money sometimes reaches a campaign that no longer needs it. When that happens it goes to another verified patient at the same hospital, the one who has been waiting longest, and we tell you who received it.

It never goes to a different hospital. If that hospital has nothing else running, your donation is held for it and goes to the next patient there whose bill is verified. You are shown this before you pay.

Menda does not wait for 100%. Once a campaign has raised 40% of the verified bill, the hospital can be paid what has been raised so far.

If a campaign ends below that, whatever it raised is still sent to the hospital and credited against that patient’s account there. The remainder of the bill stays what it always was: an amount the patient owes the hospital and settles with them directly. Menda is not part of that arrangement and does not lend, guarantee or collect it.

A donation is a gift rather than a purchase, so it is not refundable because you changed your mind, and Menda does not return donations at all. Where a payout has already been made, the 3% taken from it is not returned either.

Money does go back where a payment was taken twice, where a campaign is found not to be genuine before the hospital was paid, or where a hospital withdraws its verification before payment. The full detail is in our Refund Policy, which forms part of these terms.

Anyone can report a campaign. A report does not, on its own, stop a campaign collecting. If it did, one sentence from a stranger could halt someone’s treatment being funded. Menda looks into every report and decides, and closing a campaign or holding a payment is a separate decision that we record.

A hospital on Menda verifies bills for its own patients and confirms money it has received. In doing so it confirms that the patient is being treated there and that the amount is a real bill.

Hospital accounts are created by Menda after checks, and access is limited to the staff a hospital names. A hospital is responsible for what its staff do with that access.

• Give false information, or raise for a bill that is not real.
• Pretend to be someone else, or raise for a patient without their permission.
• Use another person’s payment details.
• Try to reach data, accounts or parts of the platform that are not yours.
• Use Menda for anything unlawful, or for anything other than genuine medical costs.

We may suspend or close an account, close a campaign, or withhold a payment where we have reason to believe any of this has happened, and we may report it to the authorities.

We work to keep Menda running, but we cannot promise it is available without interruption. Maintenance, a network failure, or a problem at a payment provider can all stop parts of it working for a time.

Menda is responsible for operating the platform honestly and for handling money on it as described here. We are not responsible for the medical care a patient receives, for a hospital’s conduct, or for a payment provider’s failure.

Nothing in these terms limits any right you have under Nigerian law that cannot be limited.

How we handle personal and health information is set out in our Privacy Policy, which forms part of these terms.

You can ask us to close your account at any time. Records we are required to keep, including donations, payments and reports, are kept for as long as the law requires, as set out in the Privacy Policy.

We may update these terms. Material changes will be announced on this page and the “last updated” date will change. Continuing to use Menda after that means you accept the new terms.

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Lagos State have jurisdiction.

Please raise anything with us first through the app or by email. Most things are settled that way.

Menda Health Technologies, Lagos, Nigeria.
Email: getmenda@gmail.com