Applies across Zulra Markets (Nigeria, Australia, United Kingdom, United States, Canada, South Africa, Ghana, Germany, France, and the United Arab Emirates). Same substance as in-app Settings → Legal. This is a product policy for transparency — not a substitute for advice from qualified counsel in each jurisdiction. Contact: hello@getzulra.com
1. Agreement
These Terms of Service (“Terms”) form a binding agreement between you and Zulra, operated by Drewbie Ventures Ltd (RC 7411103, registered in Nigeria) (“Zulra”, “we”, “us”) for use of the Zulra mobile and web applications, websites, and related services (the “Service”). By creating an account, accessing, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.
2. Markets & eligibility
Zulra is offered in: Nigeria, Australia, United Kingdom, United States, Canada, South Africa, Ghana, Germany, France, and the United Arab Emirates. You must be at least 18 years old (or the age of majority in your place of residence, if higher) to create an account. Hosts who publish paid events or receive gifts must have capacity to contract and, where required, a valid bank account in their own name. We may refuse, suspend, or limit access where required by law or risk controls.
3. Account & location
You may create an Individual account (personal) or a Group / Organisation account (company, brand, church, community, school / institution, or similar). Organisation accounts require a public display name and an authorised contact person; an optional legal/registered name may be stored for payouts and compliance. You may also upload an organisation registration / CAC scan (photo or PDF) for staff verification; staff may approve or reject that verification and message you in-app. The person who creates an organisation account confirms they are authorised to act for that entity. Zulra uses three distinct location signals you should not conflate: (1) Residence Market — set at signup from phone dial code or an explicit country pick, and changeable in Settings → LOCATION → Home country; it drives default gift currencies and default hub when GPS is off. (2) GPS hub — derived from device location after you grant permission / confirm; shown in the Home (and global) location chip and Settings → Near you (GPS); not editable via city pickers; when confirmed, it may also unlock that country’s local send currency on Zifts without changing Home country. (3) Discover explore city — temporary browse of other cities inside Home Explore search only; it does not overwrite your GPS hub or currencies. Changing Market plus GPS confirm refreshes localised content (featured/nearby events, venue hints). You must keep registration details accurate. You are responsible for credentials, Face ID / biometric unlock, and PIN on your devices.
4. Authentication & security
We use email and password, passkeys, device biometrics (where available), PIN, and one-time passcodes (OTP) to protect accounts. Where offered, you may also continue with Google Login and (on the iOS app and on the web) Sign in with Apple; the Android app offers Google Login only. Those providers authenticate you and share with Zulra the account details you authorise (typically name, email or private relay email, and profile photo when provided). In the native iOS and Android apps, we may prompt you to enable Face ID, fingerprint / device credentials, and a PIN; reopening the native app after time away may require that device unlock, and the native session signs out after approximately 24 hours. When Face ID / biometrics is on, we may keep an encrypted session refresh token in the device Keychain / Keystore and register a WebAuthn passkey for getzulra.com so Sign in with Face ID (and Sign in with passkey on the website when your browser has a WebAuthn passkey for getzulra.com — Zulra does not generate a QR code for passkey handoff; some browsers may offer their own phone sign-in sheet) can restore your account after that sign-out without collecting your Face ID biometric template. After a successful email/password sign-in, signup, or password change on the native apps, we may also store your email and password in the device Keychain / Keystore so Sign in with password can prefill on that device (and we may offer your device or browser password manager a save where that API is available); this is separate from Face ID session restore and is cleared when you erase the account or switch to a different account on the device. Ordinary mobile, tablet, and desktop web uses browser password, passkey, Apple, or Google recovery rather than native device-unlock or OS Settings screens; a trusted browser session may remain signed in for up to 14 days unless you sign out, revoke access, or a sensitive action requires reauthentication. OTP verification may still be required on a new device or for sensitive actions such as changing your password. You must not share OTP codes. Notify us promptly of unauthorised access. Security practices described here are operational controls; they do not guarantee absolute security.
5. The Service
Zulra helps users discover events, purchase tickets, send digital invites, follow creators and organisation pages, manage Going / Pending / Past events on You, message other users (1:1 DMs and freeform groups), use a per-event live feed on Zulra host event pages (text, photos, and short videos, from 15 minutes before start until the event ends in the app), share group-chat invite links, and (for eligible event types) send cash gifts to hosts. Host invite capacity is tiered as Zulra Starter (free), Zulra Event Plus (one-time per event), and Zulra Host Pro (subscription) — see §11. Features may vary by Market. We may update, add, or remove features. Limited-availability or early-access features, when offered, are identified in the Service and remain subject to these Terms and the Privacy Policy.
6. Hosts, events & content
Hosts are solely responsible for event accuracy, venue safety, age restrictions, licensing, and fulfilment of tickets and experiences. You must not publish unlawful, fraudulent, defamatory, discriminatory, or infringing content; spam; or content that exploits minors. We may remove content, cancel listings, or suspend accounts that violate these Terms or applicable law. Zulra is not the organiser of third-party events unless we expressly state otherwise. Curated “Around town” listings point to third-party organisers and are not ticketed on Zulra.
7. Tickets
Ticket purchases are contracts between the guest and the host (or organiser named on the event). Prices are shown before payment. Soft-launch default: paid tickets are generally non-refundable once payment is confirmed; there is no guest self-serve cancel in-app yet. If a host cancels or materially changes an event, open your e-ticket or Booking confirmed and tap Request refund review — that queues your booking reference for staff review (you may still email hello@getzulra.com). Requesting a review does not itself send money back; Flutterwave refunds are run by staff or the host when approved. Host-stated policies and applicable consumer law in your Market still apply. Where required (for example under UK Consumer Rights Act 2015, Australian Consumer Law, EU consumer directives, or equivalent), statutory rights are not excluded.
8. Zulra Gifts
Cash gifts are available only for eligible categories (including Wedding, Birthday, Gender Reveal, and Graduation) when the host enables gifts. When you choose bank transfer, checkout opens Flutterwave’s bank-transfer payment option (Zulra merchant); after Flutterwave confirms, the host is paid net via automatic NIP. The flat processing fee applies on bank-transfer gifts the same as on card (and Apple Pay when offered) (see §9). When you pay by card (or Apple Pay when offered), the payment is processed through Zulra's payment partners and settled to the host net of fees (see §9). Guests in Nigeria send in Naira (NGN) only. Guests in other Markets may send in their local send currency and/or NGN as offered in-app. Hosts receive Naira. Before you confirm a gift, we disclose the processing fee (see §9), applicable FX (a live mid-market rate from Flutterwave — gift Review and charge use Flutterwave rates only; if Flutterwave rates are unavailable we keep retrying and do not invent hardcoded rates — plus any disclosed spread), and the host’s estimated ₦ net. You may add an optional short message with your gift; that note is stored with the gift ledger and shown to the host (including Manage and event live feed where applicable). International cards are offered via Flutterwave when enabled; Pay by bank uses a Naira virtual account and needs a Nigerian bank. On every payment method (card, Apple Pay, or bank transfer), the guest pays the gift amount plus the processing fee, and the fee is not deducted from the host. Rates and the disclosed FX spread (shown in your send currency, taken from the send amount like processing) lock at confirmation. Gifts are voluntary contributions, not charitable donations unless expressly labelled as such under local charity law.
9. Payments, fees & payouts
Guest payments for tickets, gifts, and host plan upgrades are processed through Flutterwave (and Apple Pay only when a foreign-card provider is live and offered in-product). Depending on platform configuration, Flutterwave may operate in test or live mode; when live keys are active, successful checkout creates real charges and settlement obligations—not simulated payments. In Nigeria, the default rail for locals staying in Nigeria is Flutterwave: card, bank transfer, USSD, and account where offered at checkout (`payment_options: card, banktransfer, ussd, account`). Zulra does not store full card numbers (PAN) or CVV on our servers. Where a card form is shown, your browser or operating system may offer Autofill from cards you already saved on your device (for example Safari Autofill); that data remains on your device until you submit payment to our payment partners. When Flutterwave International Cards are live on the Zulra merchant, diaspora guests may pay Zifts by card (and Apple Pay when offered) in their send currency (including Australia, the United Kingdom, and the United States). Pay by bank to a Flutterwave NGN virtual account still needs a Nigerian bank. Tickets use Flutterwave hosted rails for Nigeria residence; abroad, guests may use a Nigerian card where Flutterwave offers it. Apple Pay is not offered to Nigeria locals while they remain in Nigeria. When Apple Pay is used, funds are still settled through our payment partners. For tickets and for gifts (including Flutterwave bank transfer), funds are received into Zulra’s merchant / platform accounts before payout. If payment processing is unavailable or misconfigured, checkout returns an error and no charge is taken — we do not invent successful payments. Host NIP payouts are initiated from secured server infrastructure to Flutterwave’s transfer API; a host is marked Paid only when Flutterwave reports a successful transfer (not on guest pay alone). Platform commission is currently 6% on ticket gross (exclusive of any payment-provider or FX costs disclosed at checkout), deducted automatically before payout. Zulra Gifts carry a guest-facing processing fee that passes through payment-provider collect costs, VAT, and payout costs, and includes a small platform keep (₦150 for Naira sends; ₦300 for foreign send currencies). Collect rates follow the payment rail (local / Naira bank rails at 2%; diaspora international card or Apple Pay at 4.8%). Corridor is the currency the guest actually pays in, never GPS location or residence Market. A guest with a diaspora Market who chooses to send Naira (no FX path) pays the local fee schedule. The gift processing fee is paid by the guest on top of the gift on every payment method (card, Apple Pay, and bank transfer) and is never deducted from the host’s payout; the 1.5% FX spread on diaspora (non-Naira) sends only (0% on Naira) is taken from your send and disclosed in the same currency as processing; hosts receive the remaining Naira after processing and any FX spread. Net amounts are transferred to the host’s verified Nigerian bank account (NUBAN) on file via NIP rails where available, typically on an instant or near-instant basis. Weekly batching and alternative rail preferences are not offered as user settings. Internal settlement tooling (including provider sub-accounts and secured egress networking for bank transfers, where used) is operated by Zulra for platform integrity and is not a customer-facing control. Fees may change with notice via the Service or updated Terms.
10. Rewards (points)
Zulra Rewards points are promotional and may change. Guests earn approximately 1 point per ₦100 on paid tickets and on paid host plan upgrades (Event Plus / Host Pro), and 1 point per ₦1,000 on gifts (rounded down; gift earn is slower because gift fees are small flat amounts rather than a percentage). Earn settles on verified payment success into a server ledger — balances are not invented on-device. No points on free RSVP or free tickets, staff or founder plan unlocks, or failed or abandoned checkouts. Points earned on a charge may be clawed back if that order is refunded. Soft monthly earn caps (around 1,500 pts) and 12-month expiry may apply. Redemption is limited to ticket / event discounts only: 500 points ≈ ₦200 (about ₦0.40 per point), capped at 10% of the ticket order; points are reserved at checkout so Flutterwave is charged the net amount. Partner data/airtime and hotel credits are not offered at MVP. Points have no cash value, are non-transferable, and are not redeemable for bank withdrawal. We may suspend abusive farming. Invite-friend growth cash (for example a milestone payout for bringing a set number of active users) is a separate program from Rewards points and is governed by that program’s own rules and Admin controls — it is not paid as Rewards points and is not controlled by the Rewards product pause.
10A. Invite growth referrals (cash)
Where offered, Zulra may run a separate invite growth program: existing users share invite links, and referred users who become active under published rules may count toward a cash milestone paid to the referrer (for example ₦10,000 after 10 active referred users). “Active” means a completed profile signal plus at least one paid ticket, paid gift, or paid host-plan action — free RSVP, free tickets, and trials alone do not count. Milestone cash is staff-approved and paid outside the Rewards points ledger. This program is independent of Rewards points; pausing or enabling Rewards does not pause or enable invite growth cash, and vice versa.
11. Host invite plans
Digital invites and guest-list capacity are tiered. Starter is free for up to 100 guests per event. Event Plus is a one-time fee of ₦5,000 per event for up to 500 guests (bulk share, CSV export, and in-app door scan to authenticate invite or ticket QR codes). Host Pro is a monthly plan at ₦8,000/mo for higher caps (up to 2,000 guests/event), live analytics (funnel, cities, channels), door scan, guest blast, reminders, and payout forecasts. Host Pro and Event Plus are not App Store or Google Play in-app purchases. On Cap iOS and Android, upgrade opens Safari / Chrome Custom Tabs to complete Flutterwave checkout on getzulra.com (or the Flutterwave hosted-pay URL); desktop web may run checkout in-tab. Flutterwave renews Host Pro monthly until you cancel in Settings → Plan (or via Flutterwave’s email link). The apps reflect your active plan after payment (or staff grant). Access continues until the paid period end after cancel. Door scan is not included on Starter (≤100 guests). If you select a paid plan, payment must be confirmed before the event can be published; unpaid upgrades leave publish locked while your draft is preserved. Ticket commission and gift commission remain separate. Plan fees are non-refundable once invite sending or capacity is used, except where consumer law requires otherwise. Following creators and the creator feed on Home are available on all plans, including Starter.
12. Messaging, group invites & follows
The Service may include 1:1 direct messages, freeform groups, and a per-event live feed on Zulra host event pages (not Around town listings). Live feed is for hosts and ticketed / RSVP (Going) guests. It opens 15 minutes before the event start and closes when the event is Past in the app (West Africa Time end of the event day plus a 6-hour grace). You may post text, photos, and short videos while it is live. Photos and videos remain visible for 7 days after close, then we delete those media attachments from the app (caption text may remain). Guests may save Live photos and videos to their device via Share / Save. You may share group invite links in the form https://getzulra.com/g/<token> so others can join a group room in Zulra. You must not use messaging or live feed to harass, scam, spam, share unlawful content, or circumvent ticket or guest-list rules. We may remove messages, revoke invites, or suspend accounts for abuse. Event hosts can pin announcements, delete messages, and remove guests from their event live feed. Follow relationships (people and organisation pages) are managed from You. Message content, membership, read receipts, and invite tokens for Zulra Messager are stored on our processors as described in the Privacy Policy.
13. Push notifications
With your permission, Zulra may send push notifications (for example new messages, group-invite joins, ticket or RSVP updates, gift or payout alerts, live-feed open alerts to Going guests, and similar transactional alerts) via a push provider such as OneSignal, using Apple Push Notification service and/or Firebase Cloud Messaging as applicable. Push is for delivery of alerts and deep links into the relevant screen (for example a chat thread or event page); it is not a substitute for the message store. Settings → Preferences (Notification centre) lets you toggle Push overall and per category (Messages, Social, Event updates, Event reminders), plus email alerts when Resend is configured, and SMS/WhatsApp preference flags (delivery of those channels is not live yet). When chat push permanently fails and you have email alerts on, we may send a short email fallback with a message preview. Event reminders may show your local wall-clock using a timezone you set (or a Nigeria default when unset). The in-app activity feed (bell) may sync notification history across your signed-in devices via our servers. You can also control notifications via your device OS settings. Marketing pushes require opt-in where mandated by your Market.
14. Taxes
You are responsible for taxes arising from your use of the Service, including VAT/GST/sales tax, withholding, and income tax on host proceeds, as required in your Market (including Nigeria FIRS/state rules, HMRC, ATO, IRS/CRA, SARS, GRA, UAE FTA, and EU VAT rules where applicable). Zulra may issue statements or withhold where legally required.
15. Acceptable use
You must not: reverse engineer the Service except where permitted by law; scrape or overload systems; bypass fees or FX disclosure; launder money; finance terrorism; evade sanctions; or use the Service for illegal gambling or unlicensed financial services. We may apply sanctions screening and AML/CFT controls consistent with Nigerian CBN guidance and partner obligations, and with comparable regimes in your Market.
16. Intellectual property
Zulra branding, software, and design are owned by Drewbie Ventures Ltd or our licensors. You retain rights in content you upload, and grant Zulra a worldwide, non-exclusive licence to host, display, and distribute that content as needed to operate the Service. Feedback may be used without obligation to you.
17. Disclaimers
Except where prohibited, the Service is provided “as is” and “as available”. We do not warrant uninterrupted availability, perfect FX outcomes, or that hosts will fulfil events. Nothing in these Terms limits non-excludable consumer guarantees. Temporary outages or payment-provider interruptions may prevent checkout or delivery of some features; in those cases the Service returns an error and does not record a completed payment.
18. Liability
To the maximum extent permitted by law, Zulra’s aggregate liability arising out of the Service is limited to the greater of (a) fees you paid to Zulra in the 12 months before the claim, or (b) USD 100 (or local equivalent). We are not liable for indirect, consequential, or lost-profit damages. These caps do not apply to liability that cannot be limited (including death/personal injury caused by negligence where such exclusion is void, fraud, or statutory rights).
19. Suspension & termination
You may stop using the Service at any time. We may suspend or terminate accounts for breach, legal risk, or prolonged inactivity. Provisions that by nature should survive (fees owed, IP, liability, dispute clauses) survive termination.
20. Governing law & disputes
These Terms are governed by the laws of the Federal Republic of Nigeria, without prejudice to mandatory consumer protections in your Market of residence (including EU/UK, Australia, Canada, South Africa, Ghana, UAE, and US state law where applicable). Courts of competent jurisdiction in Lagos, Nigeria may hear disputes, except where mandatory local forums apply. EU/UK consumers may also use applicable ADR schemes. Nothing prevents you from bringing claims in your local courts where mandatory law requires.
21. Changes
We may update these Terms. Material changes will be posted in-app (Settings → Terms of Service) with an updated effective date. Continued use after the effective date constitutes acceptance, except where local law requires affirmative consent.
22. Contact
Legal notices regarding these Terms: email hello@getzulra.com, or use in-app support (Zai). Contact channels are also listed in the Privacy Policy and on getzulra.com. Do not use support channels for emergencies—contact local emergency services.