Terms of Service

By accessing or using Zorva ("Zorva", "we", "us", or "our"), you agree to be bound by these Terms of Service and all applicable laws and regulations in the Federal Republic of Nigeria. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

To use Zorva, you must: - Be at least 18 years of age. - Be a citizen or legal resident of Nigeria or a country where our services are not restricted. - Provide a valid Bank Verification Number (BVN) and government-issued ID for identity verification. - Not have been previously suspended or removed from our platform.

Zorva acts as a neutral third party that holds funds securely until the transaction terms are met. - **Funding:** Buyers must fund the escrow amount plus applicable fees before the transaction is considered active. - **Release:** Funds are released to the seller only when the buyer confirms receipt and satisfaction, or when the inspection period expires without a dispute being raised. - **Cancellations:** Transactions can be cancelled by mutual agreement before the inspection period starts.

Zorva charges a service fee for each transaction. - **Fee Structure:** Fees are based on the transaction value and your plan tier. - **Payouts:** Payouts are made to your linked Nigerian bank account. Payout times depend on the banking system and are typically processed within 24 hours.

If a dispute arises, Zorva will investigate based on submitted evidence. - **Investigation:** Both parties must provide evidence within 48 hours. - **Decision:** Zorva's decision is final and binding on both parties for the purpose of fund release. - **Legal Action:** Our decision does not preclude you from seeking legal recourse through Nigerian courts.

You may not use Zorva for: - Money laundering, terrorism financing, or any illegal activity. - Fraudulent transactions or misrepresentation. - Trading prohibited items under Nigerian law (e.g., narcotics, weapons). - Harassment or abuse of other users or Zorva staff.