Terms & Platform Rules

Welcome to NYBO. These Terms & Platform Rules govern your access to and use of our website, platform, and related services.

NYBO is a local neighbour-to-neighbour rental marketplace. We help users list, discover, request, and arrange the rental of items with other users. By using the platform, you agree to these Terms & Platform Rules.

If you do not agree to these terms, you must not use the platform.

NYBO provides a platform that allows users to connect with each other for local item rentals. Unless we expressly state otherwise, we are not the owner, manufacturer, reseller, repairer, insurer, or direct supplier of listed items.

We act as an intermediary platform. The rental contract for a listed item is made between the lender and the renter. We may facilitate communication, trust features, identity checks, payments, dispute handling, and certain platform protection processes, but this does not mean we become a party to every rental agreement.

You may need to create an account to list or rent items. You agree to keep your account details accurate, current, and secure.

We may require email verification, phone verification, payment verification, identity verification, address confirmation, or additional checks for higher-risk accounts, higher-value items, suspicious behaviour, repeated disputes, or legal/compliance reasons. Failure to complete required checks may limit your access to certain features or result in suspension.

You are responsible for all activity that takes place under your account unless you promptly notify us of unauthorized use.

Lenders may set rental prices, subject to any platform rules or category limits we may introduce. Renters may be charged:

• the rental price;
• service fees;
• applicable deposit or payment authorisation amounts;
• late fees, damage-related charges, or other amounts permitted under these terms and the applicable booking rules.

Where payments are processed through a payment provider, users agree to comply with that provider's terms. We may delay, hold, reverse, or refuse transactions where fraud, error, chargeback, misuse, legal risk, or dispute concerns arise.

Any protection-related fee, reserve contribution, or similar amount charged through the platform is not a guarantee of full insurance coverage unless we expressly state otherwise in writing.

Users must follow the applicable handover and return process for the category and value of the item. This may include photos, videos, condition checks, accessory checklists, timestamps, collection notes, or serial number confirmation.

We may require higher evidence standards for higher-value, higher-risk, or more dispute-prone items. Failure to provide required evidence may affect eligibility for platform support, dispute review, or recovery.

Damage, missing parts, non-return, late return, incorrect item condition, and similar issues are handled under our Protection & Disputes rules, as updated from time to time.

Users must report relevant issues within the stated reporting window and provide reasonable supporting evidence. Failure to report in time or provide required information may limit or prevent a claim, review, or appeal.

We may review evidence, request further information, determine outcomes, facilitate refunds or charges, and apply platform decisions in accordance with our stated rules and internal processes.

Users are responsible for acting safely and using appropriate care when listing, collecting, handing over, transporting, or using items.

To the fullest extent permitted by law:

• users accept that item rental involves practical risks;
• the lender is responsible for accurately describing the item and not knowingly supplying an unsafe item;
• the renter is responsible for proper handling and lawful use of the item;
• NYBO is not responsible for injury, damage, loss, delay, indirect loss, or consequential loss arising from user conduct, item misuse, inaccurate listings, unsafe handling, third-party acts, or matters outside our reasonable control.

Nothing in these terms excludes liability that cannot lawfully be excluded.

Some listings may be offered by private individuals and others may be offered by businesses. Consumer law protections may differ depending on whether the seller or lender is acting as a business or as a private individual.

Where relevant, we may ask users to indicate whether they are acting as a consumer, sole trader, company, or other business user. Users are responsible for providing accurate status information.

Search results, listings, and recommendations may be displayed or ranked based on factors such as relevance, distance, availability, listing quality, trust signals, responsiveness, evidence quality, profile completeness, recent activity, user experience, or platform safety considerations. We may also highlight certain listings, categories, or trusted users using badges or similar features.

We may change ranking logic from time to time to improve relevance, safety, fairness, and platform performance.

Users remain responsible for the content they upload, including listings, photos, videos, descriptions, and messages. By uploading content, you confirm that you have the right to use it and grant us a non-exclusive right to host, display, reproduce, adapt, and use that content for operating, improving, and promoting the platform.

We may remove content that breaches these terms, infringes rights, creates legal risk, or harms trust in the platform.

Users are responsible for their own tax, reporting, licensing, and legal obligations arising from listing, renting, or earning income through the platform.

Where required by law, we may collect, retain, verify, or report user or transaction information to relevant authorities, including tax or regulatory authorities.