Terms and Conditions

1. Who we are

TX Mart is a global, membership-based learning and community referral platform operated by Tink Xtra Enterprise (“TX Mart”, “we”, “us”). It brings together portal access, courses, a marketplace of products and affiliate opportunities, and it is open to members in any country where our services and payment providers are available. TX Mart was called TX Wealth until 14 November 2026.

1A. Your plan: TX Gmart or TX Umart

• TX Gmart is for members who live outside the United States. It is the paid membership with packages, the five-board system, membership-payment rewards and the access maintenance fee described in these Terms. Every member who joined before 14 November 2026 is on TX Gmart.
• TX Umart is for members in the United States. It is free to join, has no packages, boards, membership-payment rewards or maintenance fee, and you earn only from store sales (section 6). Premium courses are included in a Pro plan.
• Your plan is set by the country you give when you join and does not change afterwards. Give the country where you live: TX Gmart is not offered to people living in the United States. Both plans use the same account, referral link, store, courses and tools.

2. Your account

• You must be at least 18 years old, or the age of majority where you live if that is higher, and able to enter a binding contract.
• Give accurate information and keep one account per person. Accounts are personal and may not be sold, shared or transferred.
• Keep your password and authenticator codes private. Tell us at once if you suspect misuse of your account.
• Company representatives who enrol a business as a partner confirm they are authorised to act for that business.

3. Using TX Mart where you live

You are responsible for making sure that joining and taking part is lawful where you live, and for any taxes on earnings you receive from TX Mart. We may limit or decline services in a country where we or our payment providers cannot lawfully offer them.

4. Membership

• This section applies to TX Gmart members; TX Umart membership is free (section 1A).
• The membership packages, their prices and what they include are shown before you pay. Prices are set in US dollars, and members who choose Ghana cedis pay the same numbers in cedis (for example GH₵100 for a US$100 membership). Members who pay in cedis receive their rewards and board earnings in cedis, and each board pays only from the money its members actually paid. The checkout shows the exact amount and currency you will be charged before you confirm.
• You may pay in instalments from the minimum shown on your payments page. Your membership becomes active once the qualifying amount is received and confirmed.
• Courses, exams and certificates are available to active members. A free account can browse but cannot take courses. Each course includes 3 exam attempts; after that, 3 more attempts on that course cost US$5. Courses are studied online and are not downloadable.
• Access maintenance fee. From 1 February 2027 every active member pays an access maintenance fee of US$33.33 (GH₵33.33 if you pay in cedis) every 3 months. Your first fee is due 3 months after your membership became active, and never before 1 February 2027; later fees are due every 3 months after that. You can pay from 14 days before the due date, and we remind you by email. All of the fee goes to the board fund that pays board earnings, and no sponsor, upline or other bonus is paid on it. If a fee is still unpaid 14 days after its due date your membership is paused: courses, exams, withdrawals and new rewards stop until you pay. Earnings already approved remain yours, and paying the fee restores your membership at once.
• We may improve course content and schedules while keeping the essential service you paid for.

5. Payments

• Online payments are processed by our payment providers, Paystack and, where offered, Stripe, by card, mobile money and other methods they support. We never see or store your full card number.
• Where manual bank or mobile money payment is offered, pay only to the receiving details shown on your TX Mart payments page and submit the transaction reference. A payment counts only after we confirm it has arrived.
• Your bank or card issuer may charge its own fees, including currency conversion; those are between you and them.
• Never send money to a personal account because someone asks you to. TX Mart staff will never ask for your PIN or one-time codes.

6. Referrals, the board and earnings

• Your personal referral link and QR code record you as the sponsor of people who join through them. We may correct sponsorship where fraud, error or duplicate identity is shown.
• Board placement follows the published rules: your first two referrals take your own left and right places; later referrals are placed in your downline, by your choice within 48 hours or automatically top to bottom, left to right. Placement does not change who sponsored whom.
• Introducing a person, or registering, does not by itself create any earning. Rewards depend on the compensation plan, eligibility and verified activity. Rewards created by a membership payment are approved 14 days after that payment, when the refund window has closed; board earnings are approved when we confirm a completed board. Membership-payment rewards and boards are for TX Gmart members only. Store sales (TX Digital Store, laptops and goods) made from 14 November 2026 earn the member whose link was used, or else the buyer's sponsor, 30% of a digital tool's price or US$10 per laptop or goods item, approved automatically once the 30-day refund window has passed, for members on either plan; up to three sponsors above them may share a further part when we switch that on and announce it. Store sales made before 14 November 2026 keep the rules they were made under. When a partner or exam-retake sale is completed, the ten active TX Gmart sponsors above the member it came from share 10% of the sale as upline bonuses, as set out in the compensation plan; partner-sale upline bonuses never exceed TX Mart's own share of the partner commission.
• Earnings move through projected, pending, approved and paid stages. Only approved personal earnings can be withdrawn. Fund allocations (widow support, training, travelling and board funds) are not personal earnings.
• We may reverse an earning created by error, fraud, refund, chargeback or a breach of these Terms.
• No income, return or result is guaranteed. What any member earns depends on their own effort, skills and circumstances.

7. Withdrawals

• Members in Ghana withdraw approved earnings through Paystack to mobile money wallets and bank accounts in Ghana, in Ghana cedis.
• Members outside Ghana withdraw through Stripe, in US dollars, to a Stripe payout account in their own name; Stripe collects their identity and bank details and pays their bank in local currency, at an exchange rate set by Stripe. International payouts are available in the countries Stripe supports.
• The transfer fee, the minimum and the amount you receive are shown before you confirm.
• We check your first withdrawal before sending it. After that, withdrawals within our automatic payout limits are approved and sent automatically when they pass our checks; other requests are checked by us first. We may hold or refuse any request that does not meet the rules or looks fraudulent.
• Make sure your payout details are correct. We are not responsible for money sent to details you entered incorrectly.
• To withdraw, your account must have two-step sign-in turned on (a code from an authenticator app, set up at /security). Changing the mobile money, bank or Stripe account where we pay you needs your account password, and we email you when it changes.
• If a payment is disputed (a chargeback) or refunded, the rewards that payment created are held and cannot be withdrawn until TX Mart settles the dispute; if the money is lost, those rewards are cancelled.

8. Store, laptops and partner offers

• TX Digital Store files are licensed for your own personal or business use; you may not resell or redistribute them.
• Laptop listings show condition, warranty, price and stock. Delivery areas and costs are confirmed with you when you order; see our Refund Policy for returns.
• Offers in the Affiliate Center come from other companies, which are responsible for their own products, pricing and customer service. Affiliate links are disclosed as advertising.

9. Not a financial service

TX Mart does not accept deposits, hold savings for you, give investment advice or offer investments. Ant Susu is a planned service and is not available until it is launched with a licensed partner under its own terms.

10. Acceptable conduct

You must not: promise guaranteed income or returns; make false claims about TX Mart, its products or what members earn; use spam, pressure or deception to recruit; create false or duplicate accounts; manipulate referrals, the board or earnings; misuse other people’s personal data; copy our content; break the law where you live; or try to break, probe or bypass the platform’s security.

11. Intellectual property

The platform, the TX Mart brand, course materials and other original content belong to TX Mart or its licensors. You receive a personal, non-transferable licence to use what you have access to. Copying, recording, reselling or redistributing it needs our written permission, except where the law allows.

12. Suspension and closure

We may suspend or close an account for serious breach of these Terms, fraud, non-payment, a security risk or a legal requirement. Where appropriate we will tell you why and give you a chance to respond. You may close your account at any time by contacting us; approved earnings remain payable under these Terms.

13. Complaints

Contact us as shown below, describing the issue, the outcome you want and any reference numbers. We acknowledge complaints within 3 business days and aim to resolve them within 15 business days. You may ask for any account, earning or placement decision to be reviewed in the same way.

14. Our responsibility to you

Course content is general education, not personal financial, legal, tax or investment advice, and business results depend on many factors. The platform is provided as it is and may occasionally be unavailable for maintenance or reasons outside our control. To the extent the law allows, we are not liable for indirect or consequential loss, and our total liability to you is limited to the amount you paid TX Mart in the 12 months before the claim. Nothing in these Terms limits liability that cannot legally be limited, or your rights as a consumer under the law of the country where you live.

15. Changes

We may update these Terms for legal, security or service reasons. We will show the new effective date here and tell members about important changes by email or on the website before they apply.

16. Law and disputes

These Terms are governed by the laws of Ghana, where TX Mart is operated. If you use TX Mart as a consumer, you also keep the protection of the mandatory consumer laws of the country where you live. We will always try to resolve a dispute first through our complaints process and good-faith discussion.

Contact us

TX Mart is operated by Tink Xtra Enterprise. For questions, requests or complaints, reply to any email you received from TX Mart or use Ask TX Mart on the website, and include your account email and any order or payment reference. Never send passwords, PINs, one-time codes or full card numbers.