Cirvo Legal

Terms and Conditions

Effective date: 2026-05-07

This single document governs access to and use of the Cirvo platform, website, applications, tools, messaging features, wallet/lead features, payment features, and related services (the “Platform”). It also contains our Acceptable Use rules, Refunds/Credits policy, Dispute process, Privacy (POPIA) notice, Cookie notice, and other core legal terms.

Plain-language summary

• Cirvo is a marketplace platform — providers and clients contract with each other.
• Providers may buy leads/credits to unlock opportunities. Lead fees are generally non-refundable unless a rule applies.
• We can suspend accounts for fraud, abuse, or illegal activity.
• We process personal information under POPIA to run the Platform and keep it safe.

Who we are

Cirvo is an online marketplace that connects clients who need services with independent providers who offer services.

Cirvo is a technology platform only. Cirvo is not the employer, agent, representative, partner, or insurer of any client or provider unless expressly stated otherwise in writing.

Definitions

Client: a user who posts a job, requests a direct quote, accepts a quote, or engages a provider.
Provider: a user who purchases leads, submits quotes, responds to direct quote requests, or performs services.
Job: a service request posted by a client on the Platform.
Direct Quote Request: a private quote request sent by a client directly to a provider.
Lead: access purchased by a provider to unlock a client opportunity and/or contact flow as enabled by the Platform.
Quote: a provider’s offer to perform services at a stated price or pricing structure.
Wallet/Credits: value stored on the Platform used to purchase leads or other Platform features.
Admin Credit: a wallet credit issued by Cirvo (for example: support, dispute outcomes, goodwill, fraud mitigation, or error correction).
Direct Payment: payment arranged outside the Platform directly between client and provider.

Eligibility and accounts

You may only use the Platform if:

You can lawfully enter into a binding agreement.
You provide accurate and current information.
You use the Platform only for lawful purposes.
You do not impersonate others or create misleading profiles.

If you create an account on behalf of a business, you confirm that you are authorised to bind that business.

You are responsible for keeping login details secure and for all activity under your account. We may suspend or close accounts that are false, abusive, fraudulent, unlawful, or in breach of this document.

Nature of the Platform (marketplace disclaimer)

Cirvo provides a marketplace and communication tools. We do not guarantee:

That a client will receive quotes.
That a provider will win work.
The quality, legality, safety, timing, pricing, licensing, insurance, or completion of any service.
That any user is who they claim to be beyond any verification process explicitly offered.

Clients and providers contract directly with each other unless the Platform explicitly states otherwise.

Jobs, quotes and direct quotes

5.1 Clients

Clients may post jobs or send direct quote requests.

Clients must ensure all job details are:

Truthful and lawful
Reasonably complete and not misleading
Not abusive, discriminatory, or defamatory
Not designed to harvest provider information or manipulate lead purchases

5.2 Providers

Providers decide whether to respond and are responsible for any quotes submitted.

Do not submit fake quotes or spam.
Do not misrepresent licensing, qualifications, experience, or availability.
Only quote if you are willing and reasonably able to perform the work.
Comply with applicable safety rules and licensing requirements for your trade.
You may upload trade credentials to your profile. Cirvo does not verify uploaded documents unless expressly stated otherwise.

When a quote is accepted, the client and provider form a direct agreement between themselves regarding scope, timing, price, and payment terms.

Leads, provider fees, and pricing changes

Cirvo may charge providers fees including lead purchase fees, membership fees, or other service fees.

Lead purchase fees are generally payable when a provider unlocks an opportunity. Unless we state otherwise, lead fees are non-refundable except where a stated refund/credit rule applies.

We may change lead pricing, pricing rules, categories, fee models, membership structures, and eligibility logic at any time by updating the Platform.

Wallet, refunds, and admin credits (for scams / lost credits)

The Platform may allow wallet/credits used for lead purchasing or other Platform features.

7.1 When credits are usually NOT refundable

A provider chose to unlock a lead and received access as described.
The job was legitimate but the provider did not win the work (competition).
The provider later changed their mind after unlocking the lead.

7.2 When a refund/credit MAY be considered (examples)

Duplicate job posts that clearly cause unfair multiple lead unlocks (platform logic dependent).
Platform error or mis-billing.
Proven fraud/scam patterns (after review of evidence).
Job removed due to policy violations shortly after posting (where your rules allow).
Any other case where we decide it is fair and reasonable to issue an Admin Credit.
Where a provider purchased a lead but the client failed to engage/respond within the platform rules and time limits.
Where the Platform determines that a lead qualifies for an automatic no-engagement refund under active refund policies.
Where a lead was reported through the Platform reporting system and approved by admin moderation.
Where duplicate lead purchases, duplicate reports, abuse, or fraud prevention systems identify an unfair charge.

7.3 Admin Credits for users who lost credits or were scammed

If a user lost credits due to platform error, proven scam activity, or unfair circumstances, we may issue an Admin Credit. Admin Credits are discretionary and may require evidence (messages, timelines, screenshots, job IDs, transaction references).

We may refuse credits where abuse, manipulation, or fraud is suspected.

7.4 Automated refunds, engagement tracking, and lead reports

The Platform may use automated systems to help determine whether a lead qualifies for refund review, no-engagement refunds, abuse detection, duplicate prevention, or moderation actions.

Providers may be required to engage clients through Platform messaging features within specified time periods.
Certain refunds may be processed automatically where engagement requirements are met but the client does not respond within the applicable time window.
Providers may report leads for spam, fraud, duplicate jobs, invalid contact information, or related concerns.
All reported leads and refund requests remain subject to Platform review, fraud checks, moderation rules, and internal verification processes.
Cirvo may deny refunds, reverse credits, suspend accounts, or restrict access where abuse, manipulation, coordinated refund activity, fake jobs, or fraudulent conduct is suspected.

Payments policy (direct payment + third-party processors)

8.1 Direct payment

Where a client chooses direct payment, payment is arranged between the client and provider outside Cirvo.

Cirvo is not the payer.
Cirvo is not responsible for collecting or remitting those funds.
The client and provider are responsible for invoicing, tax, and proof of payment.

8.2 Payment processors, reversals and chargebacks

We may use third-party payment processors and banking infrastructure. Payments can fail, be delayed, reversed, or charged back due to banks, fraud checks, disputes, or technical issues.

Where a top-up/payment is reversed or charged back, we may reverse or adjust related wallet credits and/or restrict accounts to protect the Platform.

Disputes, complaints, and investigation process

We may (but are not obliged to) assist with disputes between clients and providers. Our role is limited to Platform support.

9.1 How to raise a complaint

Email info@cirvo.co.za with your account email, job ID(s), and a clear summary.
Provide evidence: chat messages, timelines, screenshots, invoices, proof of payment, photos of work performed (as applicable).
Allow reasonable time for review and follow-up questions.

9.2 Possible outcomes

No action (insufficient evidence or not within Platform scope).
Content removal, job removal, warning, or suspension.
Admin Credit (where fair and supported by evidence and rules).
Referral to law enforcement where required or appropriate.

Acceptable use and prohibited conduct

You must not use the Platform for unlawful, harmful, fraudulent, or misleading activity.

Do not post fake jobs or fake reviews.
Do not harass, threaten, abuse, or discriminate against others.
Do not upload malicious code or interfere with Platform operations.
Do not scrape, copy, reverse engineer, or exploit the Platform without authorisation.
Do not manipulate quotes, leads, wallet top-ups, refunds, or dispute processes.
Do not bypass fees or abuse promotional systems.
Do not intentionally create fake engagement, fake chats, or manipulated responses to trigger refunds or credits.
Do not coordinate false reports, fake disputes, or fraudulent refund claims.
Do not create duplicate jobs or multiple accounts to manipulate lead purchases or refund systems.

Examples of prohibited requests include:

Illegal goods or services
Requests involving fraud, scams, or stolen property
Harassment, hate speech, threats, or violence
Any work that requires a licence/permit that the provider does not have

Safety policy (high level)

Users must behave safely and lawfully. Providers are responsible for on-site safety, appropriate PPE, safe methods, and compliance with applicable rules. Clients must provide safe access and accurate job details.

If you believe a user is unsafe or fraudulent, report it to info@cirvo.co.za.

Reviews, ratings, and content

Users may submit ratings, reviews, questions, answers, messages, images, and related content.

You grant Cirvo a non-exclusive, worldwide, royalty-free licence to host, use, store, reproduce, display, adapt, and distribute such content for operating, improving, promoting, and protecting the Platform.

You must only upload content you are entitled to use and that complies with these Terms.

Intellectual property and takedown requests

All rights in the Cirvo Platform, branding, software, design, text, graphics, and related materials belong to Cirvo or its licensors.

13.1 Takedown / IP complaints

If you believe content on the Platform infringes your rights, email info@cirvo.co.za with:

Your name and contact details
A description of the content and where it appears (URL/screenshot)
Why you believe it infringes your rights
Any supporting documentation

We may remove content, request clarification, or take other reasonable action.

Privacy policy (POPIA notice) – included in this document

Cirvo processes personal information to operate the Platform, enable marketplace interactions, and keep users safe. We aim to align our processing with POPIA (Protection of Personal Information Act).

14.1 What we collect (examples)

Account details: email/phone, authentication identifiers, profile info (business name, categories, area).
Job and quote data: job description, suburb/location, images, messages, quotes, and status history.
Wallet/transactions: amounts, references, timestamps (payment processors typically store card/bank details, not us).
Device/usage information: logs, IP address, security events (where applicable).

14.2 Why we use it

To provide the Platform features (jobs, quotes, messaging, notifications).
To process wallet top-ups and lead purchases.
To prevent fraud, spam, and abuse; enforce policies.
To support dispute resolution and customer support.
To comply with legal obligations and lawful requests.
To monitor engagement, disputes, moderation actions, refund eligibility, and fraud prevention systems.
To investigate abuse, fake jobs, spam activity, suspicious wallet behaviour, and policy violations.

14.3 Sharing of information

Between clients and providers as needed for quoting, messaging, and engagement (especially after lead unlock).
With service providers (hosting, email, analytics if enabled, payment processors).
For compliance, safety, or legal requirements.

14.4 POPIA rights (data subject requests)

You may request access, correction, deletion (where allowed), or objection to processing. Email info@cirvo.co.za with your account email and request details. We may need to verify your identity.

Cookie notice (included in this document)

The Platform may use cookies/local storage and similar technologies for login sessions, security, preferences, and performance. Blocking certain cookies may impact functionality.

Where analytics is enabled, it may collect aggregated usage data to help improve the Platform.

CPA note (Consumer Protection Act)

Certain users may have rights under the South African Consumer Protection Act (CPA). Nothing in this document is intended to unlawfully exclude non-excludable rights. Because Cirvo is a platform (not the service provider), most service delivery obligations remain between the client and the provider.

Limitation of liability

To the maximum extent permitted by law, Cirvo is not liable for:

Any act or omission of a client or provider.
Service quality, workmanship, safety compliance, or service failure.
Lost profits, lost business, lost opportunities, or indirect damages.
Disputes between users.
Unauthorised access, hacking, outages, or data loss.
Payment failures or reversals caused by third-party processors, banks, or technical issues outside our reasonable control.

Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

Indemnity

You agree to indemnify and hold Cirvo, its owners, officers, employees, contractors, and affiliates harmless from claims, losses, liabilities, costs, and expenses arising out of your use of the Platform, your breach of this document, your content, your services, jobs, quotes, payments, disputes, or unlawful conduct.

Suspension and termination

Cirvo may suspend, restrict, or terminate your account or access immediately if:

You breach this document.
We suspect fraud, abuse, or unlawful conduct.
We believe your use creates risk for users or the Platform.
We must do so to comply with legal obligations.

PAIA process (operational) and records requests

If you want to request records or information, email info@cirvo.co.za. We will respond with the appropriate process and forms (where applicable), and may request identity verification.

We may refuse requests where lawful grounds apply, or where the request is overly broad, abusive, or not permitted.

Promotions and marketing terms (high level)

If Cirvo runs promotions (discounts, coupons, referral credits), additional terms may apply. We may withdraw promotions, limit abuse, and adjust promotional credits where fraud or misuse is suspected.

Changes to this document

Cirvo may update this document from time to time. The updated version becomes effective when posted on the Platform, unless we state a later effective date.

Governing law

This document is governed by the laws of the Republic of South Africa.

Contact

For legal notices, privacy requests, and general platform enquiries:

Cirvo

Email: info@cirvo.co.za