Provider Terms of Service

Providers on SwiftWaka are independent contractors, not employees, agents, or partners of SwiftWaka Technologies Ltd. Nothing in these terms creates an employment, agency, joint venture, or franchise relationship.

You are free to accept or decline any task offered to you. You control how, when, and where you complete accepted tasks, subject to the customer's reasonable requirements and these terms. You are responsible for your own taxes, insurance, equipment, and compliance with all applicable laws.

SwiftWaka does not guarantee any minimum volume of tasks, earnings, or active hours. Task availability depends on customer demand, your location, your verified service categories, and your performance metrics.

To become a provider, you must:

• Be at least 18 years old and legally able to work in Nigeria.
• Hold a valid National Identification Number (NIN) and a government-issued photo ID.
• Pass our identity, background, and document verification process.
• Maintain a valid bank account in your name for receiving payouts.
• Own or have lawful access to any vehicle, equipment, or tools required for your chosen service categories.
• Hold valid driver's licenses and vehicle documents where applicable.

You may not create multiple provider accounts. You may not transfer, sell, or share your account credentials. All information you submit during onboarding must be accurate and current. Providing false information may result in permanent suspension and forfeiture of pending earnings.

When you accept a task, you enter into a direct service agreement with the customer. SwiftWaka facilitates the connection, payment escrow, and dispute resolution, but is not a party to the underlying service contract.

Your obligations for every accepted task include:

• Arriving at the pickup or service location within the agreed timeframe.
• Communicating promptly with the customer if delays are unavoidable.
• Handling items with reasonable care and completing the task as described.
• Following any special instructions provided by the customer (fragile handling, temperature requirements, etc.).
• Obtaining proof of delivery or completion, including photos, signatures, or OTP verification where required.
• Marking the task as complete only after the service has actually been performed.

If you cannot complete a task after accepting it, you must cancel through the app immediately. Repeated late cancellations or no-shows may result in account restrictions.

Customers fund task payments into escrow before you begin work. Funds are released to you only after the customer confirms satisfactory completion, or after the dispute-resolution hold period expires (48 hours from completion request).

SwiftWaka charges a platform commission on each completed task. The current rate is displayed transparently before you accept any task. This commission is deducted automatically from the escrowed amount before payout.

Payouts are processed to your registered bank account. Standard payouts are initiated within 24–48 hours of fund release. Express payout options may be available for a small fee.

You are solely responsible for reporting and remitting all applicable taxes on your earnings. SwiftWaka may issue tax documentation as required by Nigerian law. If a task is cancelled before work begins, any escrowed funds are returned to the customer; you receive no payment and owe no commission.

A customer may cancel a task before you have started work, with no penalty to you. If you have already begun the task, the customer may request a partial refund based on work completed; SwiftWaka's dispute team will adjudicate.

If you cancel a task after accepting it, you may be subject to a cancellation strike. Accumulating three strikes within a 30-day period may trigger a temporary account suspension. Cancelling after picking up items or arriving on-site may result in an immediate suspension and loss of eligibility for that task's payment.

In the event of a Force Majeure (accident, severe weather, civil unrest, medical emergency), contact SwiftWaka support immediately with evidence. Such cancellations will not count against your record.

You may not, under any circumstances:

• Transport illegal goods, controlled substances, weapons, or hazardous materials.
• Harass, threaten, or discriminate against customers, other providers, or SwiftWaka staff.
• Share customer personal data with third parties or use it for any purpose other than completing the task.
• Manipulate ratings, reviews, or task counts through fake orders or coordinated schemes.
• Accept cash payments or conduct off-platform transactions to evade fees.
• Operate a vehicle under the influence of alcohol, drugs, or any impairing substance.
• Subcontract or delegate a task to another person without customer consent and SwiftWaka verification.
• Damage, steal, or misappropriate customer property or packages.

Violation of any prohibited conduct rule may result in immediate account termination, permanent ban from the platform, and referral to law enforcement where appropriate.

SwiftWaka may suspend or terminate your account if you violate these terms, the Provider Code of Conduct, or any applicable law. Common reasons include: low ratings, repeated complaints, document expiry, fraud, safety incidents, or criminal charges.

In the event of suspension, any pending payouts for tasks already completed and confirmed may still be processed, subject to investigation. Funds in escrow for disputed or under-investigation tasks may be held until resolution.

You may terminate your account at any time by contacting support. Termination does not relieve you of obligations arising from tasks accepted prior to termination.

SwiftWaka provides the platform "as is" and disclaims all warranties not expressly stated. We are not liable for indirect, incidental, or consequential damages arising from your use of the platform or any task.

SwiftWaka's liability for any claim is limited to the platform commission retained by SwiftWaka for the specific task giving rise to the claim. We are not liable for damage to goods, vehicles, or persons except where caused by our gross negligence.

You are strongly encouraged to maintain adequate motor vehicle insurance, goods-in-transit insurance, and personal liability coverage. SwiftWaka may offer a supplemental insurance product for providers; participation is optional and governed by separate terms.

If a dispute arises between you and a customer regarding a task, you agree to first attempt resolution through SwiftWaka's in-app chat and support channels. SwiftWaka may mediate and, if necessary, make a binding determination based on evidence submitted by both parties.

Disputes that cannot be resolved through mediation shall be settled by binding arbitration under the Arbitration and Conciliation Act of Nigeria. Arbitration shall take place in Lagos, in English, before a single arbitrator appointed by the Lagos Court of Arbitration.

You agree that any arbitration or legal action must be brought in your individual capacity, not as part of a class or representative action. You waive any right to participate in a class action against SwiftWaka.

SwiftWaka may update these Provider Terms at any time. Material changes will be notified by email and in-app notice at least 14 days before taking effect. Your continued use of the platform after changes take effect constitutes acceptance.

If you do not agree to updated terms, you must stop accepting new tasks and close your account before the changes take effect. Tasks accepted before the effective date remain governed by the terms in force at acceptance.

For questions about these terms, contact SwiftWaka Legal at legal@movara.co or through the in-app support chat.