Terms & Conditions

1. About iBam Health

iBam Health (“iBam”, “we”, “us”, or “our”) is a digital health platform operated under Nigerian law that connects patients with licensed medical professionals, accredited pharmacies, and certified diagnostic laboratories. Our services include telemedicine consultations, e-prescriptions, pharmacy order fulfilment, laboratory test requests, health triage, and subscription wellness plans.

iBam Health is not a hospital, clinic, or medical institution. We are a technology platform that facilitates healthcare services. All clinical decisions are made exclusively by the licensed professionals on our platform.

2. Eligibility

• You must be at least 18 years old to create an account. Users between 13 and 17 may use iBam Health only with the consent and active supervision of a parent or legal guardian.
• You must provide accurate, current, and complete information during registration.
• You must have a valid Nigerian mobile number capable of receiving OTP verification.
• Medical professionals (doctors, pharmacists, laboratory scientists) must hold current, valid licences issued by the relevant Nigerian regulatory body (MDCN, PCN, MLSCN).
• Business partners (pharmacies, laboratories) must be duly registered with the Corporate Affairs Commission (CAC) and the relevant regulatory authority.

3. Account Registration & Security

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to:

• Provide truthful registration information and keep it updated.
• Immediately notify us at support@ibamhealth.com of any unauthorised access.
• Not share your account with any other person.
• Not create multiple accounts to circumvent restrictions or bans.

We reserve the right to suspend or terminate any account where we reasonably believe the information provided is false, or where the account poses a risk to users or the platform.

4. Services

4.1 Telemedicine Consultations

iBam Health enables patients to book video, audio, or chat consultations with licensed doctors. Consultations are conducted through our encrypted platform. Consultation fees are set by individual doctors and displayed prior to booking. A platform service fee applies to each consultation.

iBam Health does not guarantee the availability of any specific doctor. Appointment times are indicative and may vary due to prior patient care demands.

4.2 E-Prescriptions

Prescriptions issued through iBam Health are generated solely by licensed doctors and are valid for dispensing at pharmacies registered under the Pharmacists Council of Nigeria (PCN). Digital prescriptions are stored in your account for 12 months. You must not alter, forge, or misuse any prescription issued on our platform.

4.3 Pharmacy Orders

iBam Health partners with PCN-registered pharmacy outlets to fulfil drug orders. Medication availability, pricing, and delivery timelines are managed by partner pharmacies. iBam Health does not dispense medication directly and is not liable for pharmacy errors, drug interactions, or adverse reactions arising from medications dispensed by partner pharmacies.

4.4 Laboratory & Diagnostic Tests

Diagnostic test requests are fulfilled by MLSCN-accredited partner laboratories. Sample collection, processing, and result reporting are the responsibility of the laboratory. iBam Health is not liable for inaccurate test results caused by laboratory error or improper sample collection on the patient’s part.

4.5 Health Triage

Our AI-assisted triage tool provides symptom-based guidance only. It is not a diagnostic tool and does not replace a clinical consultation. Triage results must not be used as the basis for self-medication.

4.6 Subscription Plans

Subscription plans grant access to bundled wellness benefits as described at the time of purchase. Benefits are non-transferable and valid only for the subscribed account holder.

4.7 Appointment Rescheduling

A doctor may reschedule a confirmed appointment if they are genuinely unable to attend at the agreed time. The following conditions apply:

• The doctor must provide a brief reason for the reschedule, which is shared with the patient.
• Upon reschedule, the patient receives an immediate notification via in-app alert, push notification, and email. iBam Health administration is also notified.
• Doctors are expected to reschedule an appointment no more than once. A second reschedule of the same appointment may be treated as a cancellation, triggering the cancellation and refund policy in full.
• If the patient does not accept the rescheduled time, they may cancel the appointment and receive a full refund in accordance with the Refund Policy.
• Doctors who repeatedly reschedule or fail to attend confirmed appointments without valid cause may have their platform access reviewed, suspended, or terminated.

5. Doctor & Professional Terms

Medical professionals using iBam Health agree to:

• Maintain valid, current registration with the Medical and Dental Council of Nigeria (MDCN) or relevant regulatory body at all times.
• Provide consultation services in accordance with the Nigerian Medical Code of Ethics.
• Complete iBam’s KYC verification, including NIN verification and face-match biometric check, before seeing patients.
• Maintain patient confidentiality in compliance with the National Health Act 2014 and NDPR 2019.
• Not prescribe controlled substances (Schedule I–III) via telemedicine without a prior in-person examination, as required by NDLEA regulations.
• Update their availability status accurately to avoid patient inconvenience.
• Only reschedule confirmed appointments in genuine cases of unavailability. Repeated or habitual rescheduling is treated as a breach of professional obligations and may result in suspension.
• Not solicit patients for off-platform consultations to circumvent iBam fees.

iBam Health reserves the right to suspend any doctor pending investigation of a patient complaint, and to permanently remove any doctor found to have breached these terms or professional ethics.

6. Fees & Payments

All payments are processed securely , a PCI-DSS compliant payment processor. By making a payment, you authorise iBam Health and Paystack to charge your nominated payment method for the amount displayed at checkout.

• Consultation fees are charged at the time of booking confirmation.
• Pharmacy and lab orders are charged upon order placement.
• Subscription fees are charged at the start of each billing cycle and auto-renew until cancelled.
• All prices are in Nigerian Naira (₦) and are inclusive of applicable taxes.
• iBam Health retains a platform fee of 25% per doctor consultation and 15% for pharmacy delivery.

7. Prohibited Conduct

You must not use iBam Health to:

• Provide false medical history or identity information.
• Obtain prescriptions for the purpose of reselling medications.
• Harass, threaten, or abuse any doctor, partner, or other user.
• Attempt to circumvent our payment systems or charge-backs through fraudulent means.
• Reverse-engineer, scrape, or extract data from our platform.
• Impersonate a medical professional or another user.
• Upload malicious code or interfere with platform security.
• Violate any applicable Nigerian law or regulation.

Violations may result in immediate account termination and referral to the relevant Nigerian law enforcement or regulatory authorities.

8. Intellectual Property

All content on iBam Health — including but not limited to logos, software, design, text, and data — is the exclusive property of iBam Health or its licensors and is protected under Nigerian copyright law and international intellectual property treaties. You may not copy, modify, distribute, or create derivative works without our express written permission.

By uploading content (e.g., profile photos, medical documents) to iBam Health, you grant us a non-exclusive, royalty-free licence to store, display, and process that content solely for the purpose of providing our services to you.

9. Limitation of Liability

To the maximum extent permitted by Nigerian law, iBam Health and its directors, employees, and partners shall not be liable for:

• Any indirect, incidental, special, or consequential damages arising from your use of the platform.
• Clinical outcomes resulting from consultations, prescriptions, or treatments facilitated through the platform.
• Loss of data, revenue, or business arising from platform downtime or technical failure.
• Actions or omissions of independent doctors, pharmacies, or laboratories on the platform.

Our total aggregate liability to you for any claim shall not exceed the amount you paid to iBam Health in the three (3) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless iBam Health, its officers, directors, employees, and agents from any claims, damages, fines, or expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your violation of any Nigerian law or third-party right; or (c) any false or misleading information you provided to the platform.

11. Termination

You may close your account at any time by contacting support@ibamhealth.com. Upon closure, your personal data will be handled in accordance with our Privacy Policy. Unused subscription credits are not refundable upon voluntary account closure.

We may suspend or terminate your account immediately, without notice, if we determine you have materially breached these Terms, committed fraud, or pose a risk to other users or the integrity of the platform.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising under these Terms shall first be submitted to mediation administered by the Enugu Multi-Door Courthouse (LMDC) or such other agreed mediator. If mediation fails, disputes shall be resolved by arbitration under the Arbitration and Mediation Act 2023, with the seat of arbitration in Enugu, Nigeria.

Nothing in this clause prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction.

13. Changes to These Terms

We may update these Terms periodically. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Your continued use of iBam Health after the effective date constitutes your acceptance of the revised Terms.

14. Contact

For questions about these Terms, contact our legal team:
iBam Health Technologies Ltd
Email: legal@ibamhealth.com
Address: Enugu, Nigeria