Terms of use

Template for guidance. Have a lawyer review it, and check the licensing rules for voice services and digital lending in your country before you launch.

By creating an account you agree to these terms with Tavika Ltd.

1. Eligibility and accounts

You must be 18 or older and give accurate information. One person may hold one account. Keep your password private. You are responsible for activity on your account.

2. Fees

Creating an account is free. Calls are charged per minute at the rate shown before you dial. Activation is a one-time payment, from ₦2,000 depending on the package. Each withdrawal carries a 5% fee. Loans carry a flat fee of 5% of the amount borrowed per month. The fees page lists all charges. We will tell you before any fee changes apply to you.

3. Making calls

You may use calls for lawful purposes only. You must not use calls to harass, threaten, defraud or send unwanted sales or spam. Calls through Tavika cannot reach emergency services. Call quality depends on your connection and the destination network.

4. Call partner work and tasks

Pay for each call window or task is shown before you start. Work is reviewed. Work that is incomplete, copied, automated or dishonest may be rejected without pay. We do not guarantee that call windows or tasks will always be available or that you will earn any amount.

5. Withdrawals

You can withdraw your available balance to a bank account in your own name, from ₦2,000. Withdrawals require an activated account and may be delayed for security checks.

6. Loans

You can borrow between ₦10,000 and ₦150,000 for 1 to 3 months, subject to approval. You must repay the total shown at application by the due dates. If you miss a payment we may suspend new loans, reduce your limit, and contact you to arrange repayment. We will not contact people in your phone book.

7. What you must not do

• Use another person's identity or bank account.
• Create multiple accounts or use bots or scripts.
• Record or share call content unlawfully.
• Try to break or overload the service.

8. Suspension and closing

We may suspend or close an account for breaking these terms or for suspected fraud. You can close your account at any time by contacting support, after paying any amount you owe.

9. Our responsibility

We provide the service as described and work to keep it reliable. To the extent the law allows, we are not liable for lost income you expected, or for losses caused by events outside our control.

10. Changes and governing law

We may update these terms and will post the new date above. These terms are governed by the laws of Nigeria. Contact us at support@scratchtowin.vip.