The short version. Biz+ is a bookkeeping and loan-readiness app. It keeps your books; it does not hold your money, lend you money, score you for anyone else, or file your taxes. The free plan is free for good. Paid plans are billed by the app store where you bought Biz+ and renew until you cancel them in that store. Your data is yours — export it any day, delete it any day.
1. The agreement
These terms are a contract between you and Korevra Technologies Limited, trading as Korevra Technology Services (“Korevra”, “we”), of Lagos, Nigeria, for the use of the Biz+ app, website and related services (“Biz+”). By creating a world in Biz+ or using it you accept them. If you use Biz+ for a business, you confirm you are entitled to bind that business. The Privacy policy is part of these terms.
2. What Biz+ is, and is not
Biz+ is a ledger, an instruction layer and a trust bridge: it keeps books from the alerts and entries you confirm, shows you what they add up to, helps you chase and pay what is owed, keeps a compliance calendar, and produces a Loan-Ready Report you may show to a lender.
Biz+ never holds your money. It cannot move, hold, net or delay funds. The pay page behind an invoice shows your customer your own bank details on a page Korevra hosts; where a card-or-transfer checkout appears, it is provided by a licensed payment service provider (Paystack), only once Korevra has enabled it, and settles to your own account. Korevra is not a party to those payments.
Korevra is not a lender, does not offer credit and does not decide whether you get credit. Lenders you share a report with take their own decisions under their own licences.
Korevra is not a credit bureau and does not report you to one. The Korevra Business Score is decision support you choose to share, computed from your own ledger, with its drivers shown to you.
Korevra is not a tax adviser, accountant or lawyer. The compliance rail, annual-return pack and threshold meters are aids built from public rules; they are not advice, and nothing is filed with any authority unless you file it.
Benchmarks, guide prices and seasonal patterns are marked “guide only” and are not promises.
3. Your account and your world
Biz+ works without an account; the ledger lives on your device. An account (an e-mail address and password, or Google sign-in) lets you back up, subscribe and issue reports. Keep your staff PINs, your backup passphrase and your device safe; you are responsible for what is done with them. One person may run several businesses under one account on Biz+ Pro. Sample businesses are marked as samples and are not your money.
4. Plans, prices and renewals
Product
Price
Term
Biz+ (free)
₦0
No term. All capture lanes, books, the Credit Book, the cash close, 20 invoices a month, one sector pack, one business, full export and encrypted backup.
Biz+ Pro, monthly
₦4,000 per month
1 month, auto-renewing
Biz+ Pro, yearly
₦40,000 per year
12 months, auto-renewing
Biz+ Sponsor, monthly
US$6 per month
Not yet on sale. Planned as a 1-month auto-renewing plan sold in US dollars to a sponsor abroad; it cannot be bought in the app or in any store today, and these terms will be updated before it goes on sale.
Loan-Ready Report
₦3,000
One-off, per report. Biz+ Pro includes one report each calendar quarter.
Prices are shown in the app and in the store in your local currency and include applicable taxes where the store says so. The store’s price is the price. Korevra may change prices for future periods; a change never applies to a period you have already paid for, and the store will ask you to agree to a new price before it takes effect.
4.1 How subscriptions work
Payment is charged to the account of the app store where you bought Biz+ at confirmation of purchase.
A subscription renews automatically for the same term, at the then-current price, unless you cancel it at least 24 hours before the end of the current period. The renewal is charged to the same store account within 24 hours before the period ends.
Manage or cancel in the store where you bought it, on that store’s subscriptions page. Cancelling stops the next renewal; you keep Pro until the paid period ends.
Deleting the app does not cancel a subscription. Neither does deleting your Biz+ account — cancel in the store first.
Refunds are handled by the store under its own rules; Korevra cannot issue store refunds. Any free-trial or introductory offer is stated in the store at purchase and the unused part is forfeited on upgrade.
Pro features are unlocked for the account that bought them. When the Sponsor plan goes on sale it will unlock Pro for the one business the sponsor has been granted access to.
4.2 The Loan-Ready Report
A report is built on your device from your own ledger for the period you choose and is issued when you confirm. Issuance registers with Korevra a public issuance record (hash, code, score, period, provenance shares, totals and your business name) so that a recipient can verify it, and stores the full report body for you, readable only by you and Korevra (see the Privacy policy, section 4.3). A single report is a consumable, sold on every plan: once issued it is used, whether or not any lender accepts it. Reports included in Pro do not roll over between quarters. A report reflects your ledger at issuance; edits you make afterwards inside its period are counted and shown on the verification page.
5. The report is your document
The Loan-Ready Report and the Business Score are yours. You choose each recipient; each is a consent with a purpose and a time limit you can revoke. Korevra grants lenders access only to what you have shared, and only to verify it. Korevra does not guarantee that any lender will accept a report or offer credit, and is not responsible for a lender’s decision. Never alter a report after issuance; the verification page will show it.
6. Acceptable use
You agree not to: enter entries you know to be false in order to obtain credit or mislead a lender, tax authority or anyone else; use Biz+ to harass a debtor (reminders must stay factual, inside the reminder window, and must respect an opt-out); use another person’s account; reverse-engineer, scrape or attack Biz+; use Biz+ for anything unlawful; or resell Biz+ without a partner agreement. You are responsible for the personal data of your own customers and suppliers that you keep in Biz+ (you are its controller; Korevra processes it on your device under the Privacy policy).
7. Your data
Your ledger is yours. Export is available on every plan, at any time, in spreadsheet and PDF form. Korevra does not sell your data and does not use it for advertising. If Korevra ever ceases to operate Biz+, an escrowed continuity plan provides for you to keep access to your books and an export. See the Privacy policy for the full data promise.
8. Ownership
Biz+, its design, code, names, marks, dictionaries and parsers belong to Korevra and its licensors. You receive a personal, non-transferable licence to use Biz+ under these terms. Your entries, your customers and the reports built from your ledger are your content; you give Korevra only the licence it needs to run the features you switch on.
9. Availability and changes
Biz+ is offline-first: the app works on your device without a connection. Server features (backup, report verification, sponsor links, the AI copilot) may be interrupted for maintenance or reasons beyond our control. We may change or retire features with reasonable notice in the app; if a change removes something you paid for, you may cancel and the store’s refund rules apply.
10. Liability
Biz+ is provided as is. To the extent Nigerian law allows, Korevra is not liable for indirect or consequential loss, lost profit, lost credit, tax assessments, penalties, or loss of data you did not back up or export; and Korevra’s total liability to you in any twelve months is limited to the amount you paid Korevra for Biz+ in that period. Nothing here limits liability for fraud, or any liability that cannot lawfully be limited. Figures in Biz+ are only as good as the entries you confirm; check the entries behind a figure before you rely on it.
11. Ending the agreement
You may stop using Biz+ at any time and delete your account in the app (see delete-account.html). Korevra may suspend or end access for a serious breach of these terms, and will tell you why. Ending the agreement does not remove your right to an export of your data.
12. Governing law and disputes
These terms are governed by the laws of the Federal Republic of Nigeria. We will try to resolve any dispute with you in good faith first; failing that, the courts of Lagos State have jurisdiction. Where consumer-protection law gives you rights that cannot be waived, those rights apply.
Di short version. Biz+ na bookkeeping and loan-readiness app. E dey keep your book; e no dey hold your money, e no dey lend you money, e no dey score you for anybody, e no dey file your tax. Di free plan na free forever. Di app store where you buy Biz+ dey bill paid plans and dem go renew until you cancel dem for dat store. Your data na your own — export am any day, delete am any day.
1. Di agreement
Dis terms na contract between you and Korevra Technologies Limited, wey dey trade as Korevra Technology Services (“Korevra”, “we”), for Lagos, Nigeria, for how you go use di Biz+ app, website and related services (“Biz+”). When you create world for Biz+ or use am, you don accept dem. If you dey use Biz+ for business, you confirm say you get power to bind dat business. Di Privacy policy na part of dis terms.
2. Wetin Biz+ be, and wetin e no be
Biz+ na ledger, instruction layer and trust bridge: e dey keep book from di alerts and entries wey you confirm, e dey show you wetin dem add up to, e dey help you chase and pay wetin dem owe, e dey keep compliance calendar, and e dey produce Loan-Ready Report wey you fit show lender.
Biz+ no dey hold your money at all. E no fit move, hold, net or delay funds. Di pay page behind invoice dey show your customer your own bank details for page wey Korevra dey host; where card-or-transfer checkout show, na licensed payment service provider (Paystack) dey provide am, only after Korevra don enable am, and e dey settle into your own account. Korevra no dey inside dat payment.
Korevra no be lender, e no dey give credit and e no dey decide whether you go get credit. Lenders wey you share report with dey take their own decision under their own licence.
Korevra no be credit bureau and e no dey report you to any. Di Korevra Business Score na decision support wey you choose to share, wey come from your own ledger, and e dey show you di drivers.
Korevra no be tax adviser, accountant or lawyer. Di compliance rail, annual-return pack and threshold meter na helpers wey we build from public rules; dem no be advice, and nothing dey go to any authority unless na you file am.
Benchmark, guide price and season pattern carry “guide only” mark and dem no be promise.
3. Your account and your world
Biz+ dey work without account; di ledger dey your device. Account (email and password, or Google sign-in) let you backup, subscribe and issue report. Keep your staff PIN, your backup passphrase and your device safe; na you dey responsible for wetin dem do with dem. One person fit run many business under one account for Biz+ Pro. Sample business carry sample mark and no be your money.
4. Plans, price and renewal
Product
Price
Term
Biz+ (free)
₦0
No term. All capture lanes, book, Credit Book, cash close, 20 invoice per month, one sector pack, one business, full export and encrypted backup.
Biz+ Pro, monthly
₦4,000 per month
1 month, e dey renew by itself
Biz+ Pro, yearly
₦40,000 per year
12 months, e dey renew by itself
Biz+ Sponsor, monthly
US$6 per month
E never dey for sale. Di plan na 1-month plan wey go renew by itself, wey dem go sell for US dollar to sponsor for abroad; you no fit buy am for di app or any store today, and we go update dis terms before e enter market.
Loan-Ready Report
₦3,000
One-off, per report. Biz+ Pro get one report every calendar quarter.
Di price dey show for di app and di store for your local currency and e include tax where di store talk so. Di store price na di price. Korevra fit change price for future period; change no go ever touch period wey you don already pay for, and di store go ask you to agree to new price before e start.
4.1 How subscription dey work
Dem go charge di account of di app store where you buy Biz+ when you confirm di purchase.
Subscription dey renew by itself for di same term, for di price wey dey at dat time, unless you cancel am at least 24 hours before di current period end. Dem go charge di renewal to di same store account within 24 hours before di period end.
Manage or cancel for di store where you buy am, for dat store subscriptions page. If you cancel, di next renewal go stop; you go still get Pro until di paid period end.
If you delete di app, subscription no cancel. If you delete your Biz+ account too, e no cancel — cancel for di store first.
Di store dey handle refund under their own rules; Korevra no fit give store refund. Any free trial or intro offer dey stated for di store when you buy, and di unused part go lost if you upgrade.
Pro features dey open for di account wey buy am. When Sponsor plan enter market, e go open Pro for di one business wey di sponsor get access to.
4.2 Di Loan-Ready Report
Report dey build for your device from your own ledger for di period wey you choose, and e dey issue when you confirm. Issuance dey register public issuance record with Korevra (hash, code, score, period, provenance share, totals and your business name) so recipient fit verify am, and e dey keep di full report body for you, wey only you and Korevra fit read (see Privacy policy, section 4.3). Single report na consumable, and dem dey sell am for every plan: once e issue, e don use, whether lender accept am or not. Report wey dey inside Pro no dey roll over between quarters. Report dey show your ledger as e be at issuance; if you edit entries inside di period later, e go count am and show am for di verification page.
5. Di report na your document
Di Loan-Ready Report and di Business Score na your own. You choose each recipient; each one na consent wey get purpose and time limit wey you fit cancel. Korevra dey give lender access only to wetin you share, and only to verify am. Korevra no guarantee say any lender go accept report or give credit, and e no dey responsible for lender decision. No ever change report after issuance; di verification page go show am.
6. Acceptable use
You agree say you no go: enter entries wey you know say na lie to get credit or mislead lender, tax authority or anybody; use Biz+ to harass debtor (reminder must be fact, must dey inside di reminder window, and must respect opt-out); use another person account; reverse-engineer, scrape or attack Biz+; use Biz+ for anything wey no legal; or resell Biz+ without partner agreement. Na you dey responsible for di personal data of your own customers and suppliers wey you keep for Biz+ (na you be di controller; Korevra dey process am for your device under di Privacy policy).
7. Your data
Your ledger na your own. Export dey available for every plan, any time, as spreadsheet and PDF. Korevra no dey sell your data and no dey use am for advert. If Korevra ever stop to run Biz+, continuity plan wey dey for escrow go make sure say you still fit reach your book and export. See di Privacy policy for di full data promise.
8. Ownership
Biz+, di design, code, names, marks, dictionaries and parsers belong to Korevra and di people wey license am. You get personal licence wey you no fit transfer, to use Biz+ under dis terms. Your entries, your customers and di reports wey come from your ledger na your content; you dey give Korevra only di licence wey e need to run di features wey you switch on.
9. Availability and changes
Biz+ na offline-first: di app dey work for your device without network. Server features (backup, report verification, sponsor link, AI copilot) fit stop small for maintenance or reasons wey pass our hand. We fit change or retire features with reasonable notice for di app; if change remove something wey you pay for, you fit cancel and di store refund rules go apply.
10. Liability
Biz+ dey as e be. As far as Nigeria law allow, Korevra no dey liable for indirect or consequential loss, lost profit, lost credit, tax assessment, penalty, or data wey you lose because you no backup or export; and di total wey Korevra fit owe you for any twelve months no pass di amount wey you pay Korevra for Biz+ for dat period. Nothing here limit liability for fraud, or any liability wey law no allow to limit. Figures for Biz+ dey as good as di entries wey you confirm; check di entries behind figure before you rely on am.
11. How to end di agreement
You fit stop to use Biz+ any time and delete your account inside di app (see delete-account.html). Korevra fit suspend or end access for serious breach of dis terms, and we go tell you why. Even if di agreement end, you still get right to export your data.
12. Law and dispute
Di law of di Federal Republic of Nigeria dey govern dis terms. We go first try to settle any dispute with you in good faith; if e no work, Lagos State court get jurisdiction. Where consumer-protection law give you rights wey you no fit waive, dose rights dey apply.
Ní ṣókí. Biz+ jẹ́ àpù ìtọ́jú ìwé àti ìmúra fún awín. Ó ń tọ́jú ìwé rẹ; kì í di owó rẹ mú, kì í yá ọ ní owó, kì í díwọ̀n rẹ fún ẹlòmíràn, kì í sì í fi owó-orí rẹ sílẹ̀. Ètò ọ̀fẹ́ jẹ́ ọ̀fẹ́ títí láé. Ìtajà àpù tí o ti rà á ni ó ń gba owó fún ètò tí a san: Biz+ Pro ₦4,000 lóṣù (oṣù 1, ó ń tún ara rẹ̀ ṣe) tàbí ₦40,000 lọ́dún (oṣù 12, ó ń tún ara rẹ̀ ṣe); Biz+ Sponsor US$6 lóṣù (kò tíì wà fún títà); Ìròyìn Tó-Ṣetán-fún-Awín ₦3,000 lẹ́ẹ̀kan (Pro ní ọ̀kan ní oṣù mẹ́ta mẹ́ta). A ń gba owó nígbà tí o bá jẹ́rìí sí ìrà; ó ń tún ara rẹ̀ ṣe ní iye owó ìgbà náà àfi tí o bá fagilé e ní ó kéré tán wákàtí 24 kí àkókò tó parí; ṣàkóso tàbí fagilé nínú ìtajà tí o ti rà á; pípa àpù rẹ́ kì í fagilé e; ìtajà náà ni ó ń dá owó padà. Ìròyìn náà jẹ́ ìwé tìrẹ, ìrànlọ́wọ́ ìpinnu fún awínwó — kì í ṣe ìlérí awín. Dátà rẹ jẹ́ tìrẹ: kó jáde tàbí paarẹ́ nígbàkúgbà. Òfin Nàìjíríà ló ń darí rẹ̀. Fún ẹ̀kúnrẹ́rẹ́, yan English tàbí Pidgin lókè.
1. Àdéhùn náà
Láàrin ìwọ àti Korevra Technologies Limited (tí ó ń ṣòwò gẹ́gẹ́ bí Korevra Technology Services), Èkó.
2. Ohun tí Biz+ jẹ́, àti ohun tí kì í ṣe
Ìwé, ìtọ́ni àti ìgbẹ́kẹ̀lé — kì í ṣe wọ́lẹ́ẹ̀tì, awínwó, àjọ ìdíwọ̀n gbèsè tàbí olùdámọ̀ràn owó-orí.
3. Àkántì rẹ àti ayé rẹ
Ó ń ṣiṣẹ́ láìsí àkántì; tọ́jú PIN rẹ.
4. Ètò, iye owó àti ìtúnṣe
Wo àkótán lókè.
5. Ìròyìn náà jẹ́ ìwé tìrẹ
Ìwọ ni o ń yan olùgbà; awínwó ni ó ń pinnu.
6. Ìlò tó tọ́
Kò sí àkọsílẹ̀ èké, kò sí ìdààmú onígbèsè, kò sí ìlò tí kò bófin mu.
7. Dátà rẹ
Tìrẹ ni; kó jáde lórí gbogbo ètò.
8. Ohun-ìní
Biz+ jẹ́ ti Korevra; àkọsílẹ̀ rẹ jẹ́ tìrẹ.
9. Wíwà àti àyípadà
Ó ń ṣiṣẹ́ láìsí ayélujára; a lè yí àwọn ẹ̀yà padà pẹ̀lú ìkìlọ̀.
A taƙaice. Biz+ app ne na ajiye littafi da shirin rance. Yana ajiye littafinka; ba ya riƙe kuɗinka, ba ya ba ka rance, ba ya ƙidaya ka ga wani, ba ya shigar da harajinka. Shirin kyauta kyauta ne har abada. Store ɗin da ka saya Biz+ ne ke karɓar kuɗin shirye-shiryen biya: Biz+ Pro ₦4,000 a wata (wata 1, yana sabuntawa da kansa) ko ₦40,000 a shekara (wata 12, yana sabuntawa da kansa); Biz+ Sponsor US$6 a wata (ba a fara sayarwa ba tukuna); Rahoton Shirin-Rance ₦3,000 sau ɗaya (Pro yana da ɗaya a kowane wata uku). Ana caji lokacin da ka tabbatar da saye; yana sabuntawa a farashin lokacin sai ka soke aƙalla awa 24 kafin ƙarshen lokaci; sarrafa ko soke a store ɗin da ka saya; goge app ba ya soke shi; store ɗin ne ke mayar da kuɗi. Rahoton takardarka ne, taimakon yanke shawara ga mai bada rance — ba alkawarin rance ba. Bayananka naka ne: fitar ko goge a kowane lokaci. Dokar Najeriya ce ke mulki. Don cikakken bayani, zaɓi English ko Pidgin a sama.
1. Yarjejeniyar
Tsakaninka da Korevra Technologies Limited (mai ciniki da sunan Korevra Technology Services), Legas.
2. Abin da Biz+ yake, da abin da ba shi ba
Littafi, umarni da amana — ba walat ba, ba mai bada rance ba, ba ofishin bashi ba, ba mai ba da shawarar haraji ba.
3. Asusunka da duniyarka
Yana aiki ba tare da asusu ba; kiyaye PIN ɗinka.
4. Shirye-shirye, farashi da sabuntawa
Duba taƙaitawa a sama.
5. Rahoton takardarka ne
Kai ke zaɓar mai karɓa; mai bada rance ne ke yanke shawara.
6. Amfani da ya dace
Babu rubutun ƙarya, babu tsangwama ga mai bashi, babu amfani mara doka.
7. Bayananka
Naka ne; fitarwa a kowane shiri.
8. Mallaka
Biz+ na Korevra ne; rubutunka naka ne.
9. Samuwa da canje-canje
Yana aiki ba tare da intanet ba; muna iya canza fasali da sanarwa.
10. Alhaki
Yana da iyaka kamar yadda dokar Najeriya ta yarda.
Na nkenke. Biz+ bụ ngwa idebe akwụkwọ na njikere mbinye ego. Ọ na-edebe akwụkwọ gị; ọ naghị ejide ego gị, ọ naghị agbazinye gị ego, ọ naghị agụ gị akara maka onye ọzọ, ọ naghị edebanye ụtụ gị. Atụmatụ efu bụ efu ruo mgbe ebighị ebi. Ụlọ ahịa ngwa ebe ị zụrụ Biz+ na-anakọta ụgwọ atụmatụ ndị a kwụrụ ụgwọ: Biz+ Pro ₦4,000 kwa ọnwa (ọnwa 1, na-emeghari onwe ya) ma ọ bụ ₦40,000 kwa afọ (ọnwa 12, na-emeghari onwe ya); Biz+ Sponsor US$6 kwa ọnwa (erebeghị ya ugbu a); Akụkọ Dị-Njikere-Maka-Mbinye-Ego ₦3,000 otu ugboro (Pro nwere otu kwa ọnwa atọ). A na-ana ụgwọ mgbe ị kwadoro ịzụ; ọ na-emeghari n’ọnụ ahịa oge ahụ belụsọ ma ị kagbuo ya opekata mpe awa 24 tupu oge ahụ agwụ; jikwaa ma ọ bụ kagbuo n’ụlọ ahịa ebe ị zụrụ ya; ihichapụ ngwa anaghị akagbu ya; ụlọ ahịa ahụ na-eweghachi ego. Akụkọ ahụ bụ akwụkwọ gị, enyemaka mkpebi maka onye na-agbazinye ego — ọ bụghị nkwa mbinye ego. Data gị bụ nke gị: bupụ ma ọ bụ hichapụ n’oge ọ bụla. Iwu Naịjirịa na-achị ya. Maka nkọwa zuru ezu, họrọ English ma ọ bụ Pidgin n’elu.