Terms of Service

Zova gives a business a page where customers can book services, buy products and pay. We provide the software and the payment plumbing.

We are not a party to what you agree with each other. When you book a barber through Zova, your agreement is with that barber. We do not employ providers, we do not supervise their work, and we do not guarantee it. If the haircut is bad, that is between you and the barber. We will help where we can, but we are not the seller.

The provider is the seller of record for everything sold through their page, including every branch of their business. They are responsible for describing it accurately, for delivering it, and for handling any dispute about it.

Customer payments are processed by our payment partner, Bachs, and split at the moment of payment. The provider's share is settled directly to their own bank account, once a day or after each sale as the provider chooses, weekends and public holidays included. Bachs charges the provider ₦50 per payout. Zova never holds your money.

Zova charges providers 1.5% of each sale, with a minimum of ₦66 an order, on the free plan, or 0.5%, with a minimum of ₦50, on Pro, capped at ₦5,000 a sale on either. That figure includes VAT. There is no setup fee on either plan, and no monthly fee unless you choose Pro. On a booking it applies to the deposit only, so money you collect in person is yours in full. Your current rate is always shown on your Payout page, and your Statement shows every sale inside each payout and exactly what reached your bank.

The payment processor's own fee is separate from ours. It is added on top of the provider's price and paid by the customer, and it is shown as its own line at checkout before anyone commits. It is not deducted from what the provider charged.

Prices on Zova are set by providers, not by us. The lowest price for a product is ₦500, and for a service ₦1,000.

Pro is an optional subscription, paid through Paystack. It costs ₦7,500 a month, or ₦75,000 a year. It reduces your commission from 1.5% to 0.5% on every sale and the minimum from ₦66 to ₦50, and adds designer themes, more menu imports, staff accounts, branches and priority support. Each branch costs ₦2,500 a month on top of Pro, billed separately, and gets the Pro rate.

It renews automatically on the same date each month or year until you cancel. We charge the card you paid with. You can cancel at any time from your Payout page, and you keep Pro until the period you have already paid for ends.

If a renewal fails or you cancel, Pro ends when the paid period ends. From that day your commission goes back to the free rate, a Pro theme switches to a free one (yours comes back if you return), menu imports return to the free allowance, and you can't add new staff. Branch subscriptions are cancelled, and branches stop taking orders 10 days after Pro ends. Your main page, your bookings, your payouts and everything you have already sold are untouched.

Subscription payments are not refundable for a period already started, because the lower rate was applied to your sales throughout it. Cancelling stops the next charge.

We may change what Pro costs or what it includes. If we do, we will tell you before it affects you, and the change applies from your next renewal rather than mid-period.

Everything a customer sees and relies on stays on the free plan. Deposits, tickets, reviews and WhatsApp confirmations are not part of Pro, and a paying provider is not presented to customers as more trustworthy than one on the free plan.

A provider on Pro can add branches. Each branch is a separate shop with its own link, prices, stock, staff and bank account, run from the owner's login.

Each branch is its own subscription, paid through Paystack: ₦2,500 a month or ₦25,000 a year per branch, on top of Pro. It renews automatically until you cancel or close the branch. A new branch starts taking orders once its first payment goes through.

If a branch payment fails, or Pro ends, the branch keeps taking orders for 10 days so you can fix it. After that it stops taking new orders until it is paid for again. Orders already placed are unaffected.

Closing a branch cancels its subscription and takes its page offline. Its past sales and statements stay on your account, and its link stays reserved for your business.

The owner is responsible for every branch: what it sells, who works there, and the bank account it is paid into. A branch inherits a suspension of the main account.

On Pro, a provider can give staff their own logins. Staff act on the provider's behalf, and the provider is responsible for what their staff do on Zova. Remove someone's access when they leave.

A person can be staff at one business and own a separate business on Zova with the same phone number. The two are kept apart.

Zova can read a menu or price list you upload, or a description you type, and turn it into draft items. It does this with an automated model and it can make mistakes. Nothing goes on your page until you have reviewed it and saved it, and you are responsible for every price and description you publish, however it was first written.

Imports are limited to a daily and monthly allowance, which depends on your plan and is shared across your branches.

Providers may ask for a deposit to hold a booking. The rest is paid in person, or the whole amount may be taken up front. Either way the split is shown before you pay.

If the customer cancels, the deposit stays with the provider. That is what it is for, and the amount is shown before you confirm.

If the provider cancels, the customer is owed their deposit back in full, including the payment fee they paid on top, and it is refunded as described below.

A provider can move a booking to a different time. The customer is told, and their ticket is updated.

A refund returns the whole amount the customer paid, the payment fee included. Customers should ask the provider first: the ticket has their number on it.

Providers pay refunds directly. When a provider refunds an order or cancels a paid booking, the customer gets a private link on WhatsApp to give the bank account they want the money in. We check that account with the bank and show the provider the name the bank returned. The provider sends the money from their own bank and marks it sent, and the customer confirms it arrived.

If the customer says it never arrived, or a refund stalls, Zova looks into it. Where we find the provider has not paid, we may pay the customer ourselves, and the provider then owes Zova that amount.

Providers should publish their own refund policy on their page so customers know where they stand before they pay. Nothing in a provider's policy can remove a right a customer has under Nigerian consumer law.

Wherever Zova funds or advances a refund of a sale whose money has already settled to a provider, the provider agrees that Zova may recover it by deducting from commission or from any other amount that would otherwise be payable to them. We record every such amount, we show it to the provider, and we never deduct more than is due in a given period. A remainder carries to the next one.

Zova may hold or decline a refund request from an account we believe is being used fraudulently. This is not a way to avoid refunding customers. It exists so one account cannot draw down money that belongs to everybody else on the platform.

If a customer reverses a payment through their bank or card issuer, the provider is responsible for that amount on the same basis.

You are responsible for:

• Doing the work you were paid for, at the time you agreed
• Describing what you offer honestly, including the price
• Keeping your stock and availability accurate, in every branch
• Owning the photos you upload, or having permission to use them
• Refunds you owe, and money owed back to Zova for refunds we funded
• What your staff do on your account
• Your own tax obligations. Zova does not deduct or remit tax for you
• Any licence or permit your trade requires

Every bank account you connect, for the main shop or a branch, must belong to you or your business. Connecting someone else's account, or a business account you are not authorised for, will get your account closed.

Keep a working WhatsApp number on your account. Every booking, order and payment confirmation is sent there. If messages to your number stop being delivered we will ask you to confirm it again, and until you do, your page may stop taking bookings. A page taking orders nobody is reading is worse for your customers than a page that is closed.

• Give a real name and a working WhatsApp number, or you will not get your ticket
• Turn up when you said you would, or cancel so the slot goes to someone else
• Reviews should describe what actually happened
• When you are owed a refund, give a bank account in your own name, and confirm honestly whether it arrived

Only someone who paid can leave a review, and only after the work is done. A provider can reply once. A provider cannot delete a review, because a platform where bad reviews disappear has testimonials rather than reviews.

We will remove a review that is abusive, false, or has nothing to do with the transaction. A provider can flag one for us to look at. Disagreeing with a review is not grounds for removing it.

Some things can't be sold or offered on Zova at all, including illegal drugs, prescription medicines without a pharmacy licence we have seen, weapons, stolen or counterfeit goods, fake documents, gambling, money schemes and sexual services. The full list is at What you can't sell on Zova, and it forms part of these terms.

• Sell anything on the prohibited list, anything illegal, or anything requiring a licence you do not hold
• Take money for work you do not intend to do
• Impersonate another business, or use a name or photos that are not yours
• Use Zova to move money that has nothing to do with goods or services
• Issue refunds to an account other than the customer's, or use refunds to move money
• File false reports against another shop
• Try to break, overload or work around the platform

Anyone can report a shop from its page or from a ticket, without signing in. A person at Zova reviews every report. Nothing is suspended automatically because of a report.

We can suspend an account that breaks these terms or sells something on the prohibited list. While it is suspended, its page and every branch are offline and can't take new orders, and staff can't sign in. We tell the owner why, on WhatsApp, by email where we have one, and when they try to sign in.

If you think a suspension is a mistake, reply to our message or write to hello@usezova.com. A suspension does not cancel what is owed: orders already paid must still be delivered or refunded. Where serious harm is involved, such as a threat to a child, we will report it to the police.

A provider can close their own account from settings. Their page and branches go offline immediately, their subscriptions are cancelled, and past records remain. Anything owed to Zova or to a customer at that point is still owed.

We can close an account that breaks these terms, and we will say why. Where money is owed to a customer we will act to see it returned.

We work to keep Zova running but do not promise it will always be available. We are not liable for what you lose because a provider did not turn up, because a payment or payout was delayed or failed at Bachs or Paystack, or because a message did not arrive.

Where we are liable, it is limited to the commission we earned on the transaction in question, and in any event to the total commission we earned from you in the twelve months before the claim.

None of this limits rights you have under Nigerian consumer law that cannot be limited by agreement.

If you have a problem with a provider, contact them first. The ticket has their number on it. If that fails, write to us and we will look at what our records show.

These terms are governed by Nigerian law, and disputes go to the courts of Ondo State.

We may update these terms. Material changes will be announced to providers before they take effect. Continuing to use Zova after a change means accepting it.

NEXXI TECHNOLOGIES LIMITED (RC 9766120)
Orita Obele Estate, Akure, Ondo State, Nigeria
hello@usezova.com