Aug 3, 2026
This summary highlights the most important parts of these Terms of Use. You should read it alongside the full Terms below.
Limits on liability. Our liability to you is limited. Nothing in these Terms affects rights you have under applicable Nigerian law that cannot be excluded. Subject to those rights, our total liability for all claims is capped at the greater of the total fees you paid us in the previous 12 months or NGN 50,000, and we are not liable for indirect or consequential loss such as loss of profits, revenue, goodwill, anticipated savings, or data.
How we use and share your data. Our handling of personal information is described in our Privacy Policy. To operate Zuwa, we integrate with third-party services. We may collect, use, and disclose your personal information to those third parties - including cloud hosting providers, payment processors, video conferencing providers, and WhatsApp, for purposes connected with providing and improving the platform. All data handling is conducted in compliance with the Nigeria Data Protection Regulation (NDPR) 2019.
Payments and payouts. All payments on the platform are processed by Paystack or Flutterwave, both licensed by the Central Bank of Nigeria. Zuwa charges a platform commission on creator transactions as set out in your account settings. Payouts to creators are processed within the timelines stated on your dashboard. We do not store raw card data on our servers.
Subscriptions and fees. Subscription fees are charged in advance. If you do not cancel before a free trial ends, standard fees apply automatically. We may change fees with at least 30 days' notice, effective at the end of your current billing period.
Auto-renewal. Subscriptions renew automatically unless cancelled. We will notify you at least 30 days before your renewal date.
Cancellation. You can cancel at any time through your account settings. Cancellation takes effect at the end of your current billing period. Fees already paid are non-refundable except where we make a detrimental change to the platform or discontinue the service.
Content and recordings. Class recordings and session content are stored for 12 months from the session date by default. You can delete your content at any time. All personal data is handled and retained in line with our Privacy Policy and applicable Nigerian law.
(a) In these Terms of Use, "we", "us", and "our" means Zuwa Platforms Ltd, a company incorporated under the laws of the Federal Republic of Nigeria, operating the Zuwa platform at zuwa.so ("Zuwa" or the "Platform"). Please read these Terms carefully - they apply to your use of Zuwa including the web application, mobile-responsive site, and all associated content and services. By accessing or using Zuwa, you agree to be bound by these Terms.
(b) We may revise these Terms from time to time. Where a revision is detrimental to you, we will provide at least 30 days' notice before the change takes effect. We will display a notice on the Platform when revisions are made. If a revision constitutes a Detrimental Change (defined in clause 6(a)) and you do not wish to accept it, you may cancel your subscription in accordance with clause 6(a).
(a) You must register to use Zuwa. You must be at least 18 years of age to register. By registering, you confirm that you meet this requirement.
(b) When you register, you will create a username and password personal to you. You must ensure your registration details are accurate and kept up to date at all times.
(c) You must keep your login credentials private and confidential. If you suspect any unauthorised use of your account, you must immediately reset your password. You must not share your credentials with any other person.
(d) We are entitled to treat any action taken on your account using your credentials as authorised by you. We are not liable for loss or damage arising from your failure to keep your credentials secure.
(e) Creators registering to offer classes on the Platform may be required to complete identity verification (KYC) before payout features are activated, in compliance with CBN requirements.
In using Zuwa, you must not:
(a) provide inaccurate, incomplete, or misleading information, or impersonate any person or entity;
(b) violate any applicable Nigerian or international laws, or use the Platform for any unlawful purpose;
(c) knowingly distribute viruses, malware, spyware, corrupted files, or any other software that may damage the Platform or the devices of other users;
(d) send spam, unsolicited communications, or use the Platform for any form of unauthorised advertising;
(e) scrape, crawl, or extract data from the Platform without our prior written consent;
(f) attempt to gain unauthorised access to any part of the Platform, its infrastructure, or other users' accounts;
(g) use the Platform to harass, abuse, threaten, or harm any other user, creator, or student;
(h) engage in any conduct that disrupts or degrades the experience of other users of the Platform.
(a) We endeavour to keep Zuwa available at all times. However, availability may be affected by network conditions, scheduled maintenance, unscheduled downtime, or circumstances beyond our control. Where interruptions occur due to circumstances within our control, we will work to restore access promptly.
(b) If you experience technical issues, please check our support resources at zuwa.so/support or contact us at info@zuwa.so.
(c) We may temporarily suspend access to the Platform for security, maintenance, regulatory, or operational reasons. Where practicable, we will provide advance notice. If we suspend access for reasons not caused by you for more than one day in any calendar month, you may seek a pro-rated credit of fees paid.
(d) We may monitor use of the Platform to ensure compliance with these Terms. We are not obligated to do so, and our monitoring does not create any additional liability on our part.
Zuwa is provided as a software-as-a-service platform and we may from time to time modify, update, or remove features, functionality, or third-party integrations. We will provide at least 30 days' prior notice of material changes, except where urgent changes are required to address security or regulatory concerns. If a change constitutes a Detrimental Change, you may cancel your subscription in accordance with clause 6(a).
(a) Creators who list classes on the Platform are solely responsible for the content, accuracy, quality, and legality of their classes, course materials, assignments, and communications with students.
(b) Creators must ensure that any content published on Zuwa — including class descriptions, curricula, recordings, and materials — does not infringe the intellectual property rights, privacy rights, or other rights of any third party.
(c) Creators must not make false or misleading representations about their qualifications, credentials, or the nature of their classes.
(d) Creators are responsible for setting their own pricing, subject to the platform commission set out in their account settings. Zuwa is not responsible for any disputes between creators and students regarding pricing, refunds outside the scope of our refund policy, or class quality.
(a) To use certain features of Zuwa, you may connect your account to third-party services such as Zoom, Google Meet, WhatsApp Business, Paystack, Flutterwave, and Google Calendar (collectively "Third-Party Services"). We do not control and are not responsible for the availability, performance, security, or data practices of Third-Party Services.
(b) Your use of Third-Party Services is governed by their own terms and privacy policies. You are responsible for complying with those terms.
(c) When you authorise Zuwa to connect to a Third-Party Service, you grant us permission to access and interact with that service on your behalf for the purpose of delivering platform features. We will not access third-party accounts beyond what is necessary to provide the relevant feature.
(a) "User Content" means any content you upload, publish, transmit, or otherwise make available on Zuwa — including class materials, profile information, assignment submissions, discussion posts, messages, recordings, and any other content.
(b) You must not submit User Content that:
(c) By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free licence to store, process, transmit, display, and use your content for the purposes of:
(d) You warrant that you have all necessary rights to submit User Content and to grant the licence described in paragraph (c).
(e) Class recordings are stored for 12 months from the session date by default. Creators may delete recordings at any time. You can delete any of your User Content from the Platform at any time through your account settings.
(f) You will indemnify and hold Zuwa Platforms Ltd harmless from and against any claim, loss, or liability arising from third-party claims in connection with your User Content, proportionately reduced to the extent we caused or contributed to such claim.
(a) Payments for classes on Zuwa are processed through Paystack or Flutterwave, both licensed payment processors regulated by the Central Bank of Nigeria. By making a payment, you agree to the terms of the applicable payment processor.
(b) All prices displayed on the Platform are in Nigerian Naira (NGN) unless otherwise stated.
(c) We do not store raw card data. All card information is handled exclusively by our payment processors in accordance with applicable PCI-DSS standards.
(d) Zuwa is not responsible for payment failures caused by your bank, card issuer, or network conditions beyond our control.
(a) Zuwa deducts a platform commission from each transaction processed on behalf of a creator. The current commission rate is displayed in your creator account settings and may be updated with at least 30 days' notice.
(b) Creator payouts are processed to the registered Nigerian bank account linked to your creator profile. Payouts are subject to a minimum threshold and are processed within the timelines stated on your dashboard.
(c) Creators are responsible for ensuring their bank account details are accurate. We are not liable for failed payouts resulting from incorrect details provided by the creator.
(d) Creators are solely responsible for their own tax obligations arising from income earned through the Platform.
(a) Students may request a refund within 24 hours of a scheduled class session if that session did not take place. Refund requests are subject to review and approval by Zuwa.
(b) Refunds for other reasons are at our discretion and are assessed on a case-by-case basis.
(c) Where Zuwa approves a refund, it will be processed to the original payment method within 5–10 business days.
(a) Where creators subscribe to a paid plan, subscription fees are payable in advance for each billing period.
(b) If you sign up for a free trial, you will not be charged during the trial period. If you do not cancel before the trial ends, standard subscription fees will apply automatically.
(c) We will notify you at least 30 days before your subscription auto-renews. Your subscription will automatically renew for the same period unless cancelled before the renewal date.
(d) We may change subscription fees with at least 30 days' notice. Changes take effect at the end of your current billing period. If you do not accept the new fees, you may cancel before they take effect.
(a) Zuwa may offer artificial intelligence-powered features including automated cohort setup, class scheduling suggestions, checkout page generation, and content recommendations ("AI Features").
(b) AI Features are tools to assist you and do not replace your judgement. You remain solely responsible for reviewing, approving, and acting on any outputs generated by AI Features before they are published or sent.
(c) AI Feature outputs may contain errors, inaccuracies, or incomplete information. We do not guarantee that outputs will meet your requirements or be suitable for your purposes.
(d) We will only use your content to improve AI Features in accordance with our Privacy Policy. You may opt out of broader AI model improvement in your account settings.
(a) Zuwa, including its software, design, features, brand assets, and documentation, is the intellectual property of Zuwa Platforms Ltd and is protected by applicable Nigerian and international intellectual property laws.
(b) We grant you a limited, non-exclusive, non-transferable licence to access and use Zuwa for your personal or internal business purposes in accordance with these Terms.
(c) You retain ownership of the User Content you create and submit. We do not claim ownership of your class materials, recordings, or other original content.
(d) You must not copy, modify, reverse engineer, sell, sublicense, or create derivative works from the Platform or any part of it. You must not use the Zuwa name, logo, or brand assets without our prior written consent.
(e) Any feedback, suggestions, or feature requests you provide to us may be used by us to improve the Platform without obligation to you.
(a) You may cancel your account at any time through your account settings. Cancellation takes effect:
(b) We may immediately suspend or cancel your account if you breach these Terms. Upon cancellation, your licence to use the Platform terminates.
(c) We may discontinue the Platform with at least 60 days' prior notice. If we do so, we will refund any fees paid in advance for unused periods.
(d) We will permanently delete your personal data within 30 days of account cancellation, except where retention is required by Nigerian financial regulations (transaction records are retained for 7 years) or other applicable law.
(a) To the maximum extent permitted by law, Zuwa is provided "as is" without warranties of any kind, express or implied, including warranties of fitness for a particular purpose, merchantability, or uninterrupted availability.
(b) We do not guarantee that the Platform will be error-free, free of viruses, or continuously available.
(c) We are not responsible for the quality, accuracy, or legality of classes, materials, or content provided by creators. Zuwa is a platform — we are not the provider of the educational content delivered through it.
(d) Subject to applicable Nigerian law, our total aggregate liability for all claims arising from your use of the Platform is limited to the greater of the total fees you paid us in the 12 months prior to the first such claim and NGN 50,000.
(e) We are not liable for indirect, consequential, special, or punitive damages including loss of profits, revenue, goodwill, or data, regardless of the basis of the claim.
(f) Nothing in these Terms excludes or limits liability that cannot be limited under applicable Nigerian consumer protection law.
(a) Our collection, use, and handling of personal information is governed by our Privacy Policy, available at zuwa.so/privacy-policy.
(b) By using Zuwa, you consent to the collection and processing of your personal information as described in our Privacy Policy.
(c) All personal data is handled in compliance with the Nigeria Data Protection Regulation (NDPR) 2019 and guidelines issued by the National Information Technology Development Agency (NITDA).
(d) You have the right to request access to, correction of, or deletion of your personal data. Requests may be submitted to info@zuwa.so.
(e) We may share your data with third-party service providers including payment processors, cloud hosting providers, video conferencing providers, and notification services, strictly for the purposes of operating the Platform.
(a) Zuwa is a professional community. All users - creators and students alike - are expected to engage respectfully and in good faith.
(b) We reserve the right to remove any content, suspend any account, or take any other action we deem necessary to maintain a safe and respectful environment on the Platform.
(c) If you witness or experience abusive behaviour on the Platform, please report it to info@zuwa.so or use the in-platform reporting tool.
Neither party will be liable for failure or delay in performing their obligations under these Terms where such failure or delay arises from circumstances beyond their reasonable control, including network outages, acts of government, natural disasters, or failure of third-party infrastructure. This clause does not apply to payment obligations.
(a) These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of Nigerian courts, or if both parties agree, resolved by arbitration in Lagos under the Arbitration and Conciliation Act.
(b) If any provision of these Terms is found to be unenforceable, the remaining provisions continue in full force and effect.
(c) These Terms constitute the entire agreement between you and Zuwa Platforms Ltd regarding your use of Zuwa and supersede all prior communications or agreements.
(d) Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in future.
(e) You agree that we may communicate with you electronically for all purposes connected with your use of the Platform.
(f) Provisions that by their nature survive termination - including intellectual property, liability limitations, and data retention - continue after these Terms end.
Contact us: Zuwa Platforms Ltd, Abuja, Nigeria. info@zuwa.so, zuwa.so.
