Terms & Conditions

Last updated: 5 November 2026

1. About Zivra

These Terms & Conditions govern your access to and use of the Zivra website, mobile application and related services.

Zivra is a financial technology platform designed to make everyday spending more rewarding. It provides users with access to rental payment management, payment-related functionality and rewards connected to eligible spending.

Zivra is operated by:

Zivra B.V.
Legal form: Private Limited Company
Registered address: Keizersgracht 520, 1017 EK Amsterdam, The Netherlands
Chamber of Commerce (KVK) number: 42200298
Email: hello@getzivra.com
Website: https://getzivra.com

In these Terms, "Zivra", "we", "us" and "our" refer to Zivra B.V. "You" and "your" refer to users of our services.

2. Scope of Services

Zivra provides a technology platform through which users may access features including:

  • Rental profile creation and management.
  • Rent-payment scheduling and payment-related functionality.
  • Access to payment accounts and payment cards provided by regulated financial partners.
  • Transaction information and payment notifications.
  • Rewards on eligible transactions.
  • Access to participating merchants and redemption opportunities.

The availability of individual features depends on customer eligibility, the relevant financial service provider and applicable service agreements.

3. Financial Services and Third-Party Providers

Certain financial services available through Zivra are provided by independent regulated financial institutions and payment service providers.

These services may include:

  • Opening and maintaining payment accounts.
  • Issuing payment cards.
  • Processing incoming and outgoing payments.
  • Executing SEPA transfers.
  • Customer identification and verification.
  • Safeguarding customer funds.

Where applicable, these services are provided by the relevant regulated provider under separate financial services terms and conditions.

Zivra does not represent itself as a bank or deposit-taking institution.

The identity of the relevant financial service provider, its regulatory status and applicable customer terms will be disclosed before customers access the relevant financial services.

4. Eligibility and Registration

To use Zivra, you must:

  • Be at least 18 years old.
  • Provide accurate and complete registration information.
  • Complete identity verification where required.
  • Meet the eligibility requirements of relevant financial service providers.
  • Use the platform for lawful purposes.

We reserve the right to refuse, suspend or restrict access where required by law, regulation, security requirements or these Terms.

5. Rent Payments

Zivra may allow users to create and manage recurring rent-payment instructions.

Before activating a recurring payment, you must review and confirm:

  • The payment amount.
  • The recipient's payment details.
  • The payment frequency.
  • The scheduled execution date.
  • The applicable payment authorisation.

Payments are executed by the relevant regulated financial service provider in accordance with its payment services terms and applicable law.

You are responsible for ensuring that payment details are accurate and sufficient funds are available when a payment is due.

A scheduled payment instruction does not guarantee successful execution. Payments may be delayed, rejected or returned due to insufficient funds, incorrect payment details, compliance checks or technical issues.

You should not assume that a payment has reached your landlord until its completion has been confirmed.

6. Payment Cards and Transactions

Where Zivra provides access to payment cards through a financial partner, the issuance, use, authorisation and settlement of card transactions are subject to the relevant cardholder agreement.

You must:

  • Keep your card credentials confidential.
  • Notify the relevant provider immediately if your card is lost, stolen or compromised.
  • Use your card in accordance with applicable card scheme rules.
  • Not use your card for unlawful transactions.

Card limits, transaction restrictions and applicable fees will be communicated separately.

7. Rewards Programme

Zivra may offer rewards for eligible transactions and activities.

Rewards are subject to applicable programme rules, which may include:

  • Eligibility requirements.
  • Participating merchants.
  • Qualifying transaction categories.
  • Reward calculation rates.
  • Redemption conditions.
  • Expiration dates.

Rewards are not cash, bank deposits or guaranteed financial returns.

We reserve the right to correct incorrectly credited rewards, investigate suspected abuse and amend the programme in accordance with applicable law.

Material changes to reward conditions will be communicated to affected users.

8. Fees

Any fees associated with Zivra services will be communicated before the relevant service is activated or a charge is incurred.

Fees imposed by financial partners, card networks or other third-party providers may apply and will be disclosed where relevant.

9. User Responsibilities

You agree not to:

  • Provide false or misleading information.
  • Use Zivra for fraudulent or unlawful activities.
  • Attempt to circumvent security or verification measures.
  • Interfere with the platform or its infrastructure.
  • Use another person's account without authorisation.
  • Abuse the rewards programme.

You are responsible for maintaining accurate account and payment information.

10. Suspension and Termination

We may suspend or restrict access to Zivra where necessary to:

  • Comply with legal or regulatory obligations.
  • Protect users and the platform.
  • Investigate suspected fraud or misuse.
  • Address security vulnerabilities.
  • Enforce these Terms.

You may discontinue your use of Zivra in accordance with applicable account and financial partner agreements.

Termination of your Zivra account does not automatically terminate any separate agreement with a financial partner.

11. Intellectual Property

All intellectual property relating to the Zivra platform, including branding, software, design, content and functionality, belongs to Zivra B.V. or its respective licensors.

You may not reproduce, distribute, modify or commercially exploit our intellectual property without prior written permission.

12. Availability and Liability

We aim to provide a reliable and secure platform but do not guarantee uninterrupted or error-free availability.

Zivra is not responsible for services independently provided by regulated financial partners, including the execution of payments or operation of payment accounts, except where liability arises from Zivra's own acts or omissions or cannot legally be excluded.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including mandatory consumer rights.

13. Complaints

For complaints concerning the Zivra platform:

Email: legal@getzivra.com

For complaints relating to payment accounts, cards or payment execution, customers may need to contact the relevant financial service provider. We will identify the appropriate complaints channel.

14. Changes to These Terms

We may update these Terms to reflect changes in our services, legal obligations or business operations.

Where changes materially affect your rights, we will provide appropriate notice.

15. Applicable Law

These Terms are governed by the laws of the Netherlands, subject to mandatory consumer protection provisions applicable in your country of residence.

Nothing in these Terms affects your statutory consumer rights.

16. Contact

Zivra B.V.
Keizersgracht 520
1017 EK Amsterdam
The Netherlands

KVK: 42200298
General enquiries: hello@getzivra.com
Support: support@getzivra.com
Legal enquiries: legal@getzivra.com

Website: https://getzivra.com