Effective Date: April, 2026

1. Overview

Zipper Transit operates a secure escrow-based system where payments are held until conditions for release are met.

This Refund & Dispute Policy explains:

• When refunds are possible
• How disputes are handled
• What users and professionals must do

2. Important Principle (READ THIS)

• Funds held in escrow are protected.
• Funds released are NOT guaranteed to be recoverable.
• Direct transfer to personal bank account but user, cash or offline transaction with professional are NOT guaranteed to be recoverable.
This is the foundation of your system.

3. Wallet Funding (Deposits)

3.1 Non-Refundable Deposits

• Funds added to your wallet are generally non-refundable
• This includes payments made via Paystack or any payment gateway

3.2 Exceptions

Refunds may be considered ONLY if:

• Duplicate payment occurred
• Transaction error is verified
• Payment failed but funds were deducted

4. Escrow Payments

4.1 Before Release

• Funds held in escrow are protected
• Users can:
  • Request changes
  • Cancel service (depending on agreement)
  • Report issues

4.2 After Release

Once funds are released:

• Zipper Transit cannot guarantee recovery of funds

This applies to:

• Job completion payments
• Material payments

5. Material Payments (VERY IMPORTANT)

When a user releases funds for materials:

• It is considered approved spending
• The user confirms that:
  • The request is valid
  • The amount is acceptable

6. Dispute Process

If a user is not satisfied:

• Step 1: Use in-app communication to resolve the issue
• Step 2: Click the “Report” button
• Step 3: Provide:
  • Clear explanation
  • Evidence (photos, messages, etc.)

7. Dispute Review

Zipper Transit may:

• Review both sides of the case
• Analyze transaction data
• Temporarily restrict accounts if needed

8. Possible Outcomes

After review, we may:

• Advise resolution between parties
• Restrict or suspend a user or professional
• Provide recommendations

9. Fraud & Abuse Protection

If fraud is suspected:

• Accounts may be suspended immediately
• Funds may be temporarily frozen
• Authorities may be notified if required

10. Chargebacks (VERY IMPORTANT)

If a user initiates a chargeback via their bank:

• The account may be suspended immediately
• Wallet access may be restricted
• Future use of the platform may be blocked

11. Processing Time

Where refunds are approved:

• Processing time: 3–10 business days
• Depending on:
  • Payment provider
  • Bank processing

12. Limitation of Liability

Zipper Transit is not responsible for:

• Losses due to user decisions
• Funds released by user approval
• Service dissatisfaction after completion

Use of the platform is at your own discretion and risk.

13. User Responsibility

Before releasing funds, users must:

• Confirm job completion
• Verify satisfaction
• Ensure no disputes remain

14. Policy Updates

We may update this policy at any time.

Continued use of the platform means acceptance of updates.

15. Contact

📧support@zippertransit.com