1. Who We Are
ZivaPay+ is operated by Neyoni Technologies (Pvt) Ltd ("we", "us", or "our").
Website — Privacy Policy — Terms of Service
Contact: hello@zivapayplus.com
2. What ZivaPay+ Does
ZivaPay+ is a personal finance and record-keeping tool that helps users track supported mobile money transactions by reading relevant SMS messages from supported senders and presenting transaction history, balances, analytics, alerts, and exports.
ZivaPay+ currently supports EcoCash and InnBucks transaction messages.
3. Eligibility
You must be legally able to use the Service under the laws of your country. If you are not legally able to enter into a binding agreement yourself, you may only use the Service with the involvement of a parent or legal guardian.
4. Not a Bank or Financial Institution
ZivaPay+ is not a bank, mobile money operator, payment processor, lender, insurer, broker, financial advisor, accountant, or legal service provider.
ZivaPay+ does not hold funds, execute payments, reverse transactions, or control your EcoCash, InnBucks, bank, or mobile money account.
5. Informational Use Only
The Service is provided for personal informational, organizational, and record-keeping purposes only.
Although we aim to make the Service useful and reliable, transaction parsing, balances, summaries, alerts, analytics, and exports may contain errors, omissions, delays, or mismatches. You are responsible for reviewing and verifying all information shown in the app before relying on it for accounting, tax, legal, business, lending, or financial decisions.
6. SMS Access and Permissions
Some features of ZivaPay+ require device permissions, including SMS access and notifications. If you deny or revoke these permissions, some or all features may not function properly.
Your use of the Service is also subject to our Privacy Policy, which explains how data is accessed, stored, and handled.
7. Local Device Storage
ZivaPay+ stores parsed transaction history and related app data locally on your device only.
Deleting SMS messages from your inbox may not remove previously imported transaction history from the app. You may need to clear app data or uninstall the app to remove locally stored records.
8. Exports and Reports
ZivaPay+ may allow you to generate exports such as PDF or Excel files. These exports are provided for convenience only.
We do not guarantee that exported files are complete, error-free, accepted by any institution, or suitable for any regulatory, tax, accounting, audit, employment, lending, or legal purpose. You are solely responsible for reviewing all exported data before sharing or using it.
9. Acceptable Use
You agree not to:
- use the Service for unlawful, fraudulent, misleading, or harmful purposes
- interfere with or disrupt the operation of the Service
- attempt to reverse engineer, copy, modify, or exploit the Service except as permitted by law
- use the Service in a way that violates the rights of others
- misrepresent app-generated records as official statements issued by EcoCash, InnBucks, or any financial institution
10. Third-Party Services
The Service may rely on third-party platforms including Google Play, Android system services, and other providers required for app distribution or operation.
We are not responsible for the availability, behavior, or policies of third-party services.
11. Future Paid Features or Ads
We may introduce paid features, one-time purchases, subscriptions, advertisements, export limits, or other monetization features in future versions of the Service.
If we do, pricing, billing terms, and any required disclosures will be presented separately in the app or on the website.
12. Intellectual Property
ZivaPay+, including its software, branding, design, content, and related materials, is owned by us or licensed to us and is protected by applicable intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service for its intended purpose, subject to these Terms.
13. Service Changes and Availability
We may update, modify, suspend, or discontinue any part of the Service at any time, with or without notice.
We do not guarantee that the Service will always be available, error-free, secure, or compatible with your device, SMS format, wallet provider, or mobile network.
14. Disclaimer of Warranties
To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory.
We disclaim all warranties including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and reliability.
15. Limitation of Liability
To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, records, or opportunities arising out of or related to your use of the Service.
Our total liability for any claim relating to the Service will not exceed the amount you paid us in the 12 months before the event, or USD $10 if you paid nothing, whichever is greater.
16. Your Responsibility
You are responsible for:
- keeping your device secure
- controlling access to your phone and app
- verifying records before relying on them
- complying with any laws applicable to your use of the Service
17. Termination
You may stop using the Service at any time by uninstalling the app.
We may suspend or terminate access to the Service if you violate these Terms or if we reasonably believe your use creates legal, security, or operational risk.
18. Privacy Policy
Your use of the Service is also governed by our Privacy Policy: zivapayplus.com/privacy.html
19. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will update the effective date and publish the revised version on our website or within the app.
Your continued use of the Service after updated Terms become effective means you accept the revised Terms.
20. Governing Law
These Terms are governed by the laws of Zimbabwe, without regard to conflict of law principles, unless applicable consumer protection law requires otherwise.
21. Contact
If you have questions about these Terms, contact us at hello@zivapayplus.com.