Dash Coins, payments and Gyvio+

At a glance

What Dash Coins are

Dash Coins are Gyvio's in-app currency. Each coin is worth exactly ₦1 when you buy it and when you cash it out; the rate does not move. Dash Coins:

• can only be used inside Gyvio, and only moved to other Gyvio accounts in the ways described here,
• are not a bank deposit, electronic money, a cryptocurrency or an investment, and earn no interest,
• do not expire,
• belong to your account and can't be sold, transferred outside Gyvio or passed on to anyone else.

Your wallet shows your balance and every coin that comes in or goes out. We keep an exact record of each movement so every coin can be accounted for.

Topping up

• Top up any whole amount from ₦500. You get one coin for every ₦1.
• You pay on Paystack's secure payment page, by card, bank, USSD or bank transfer, in Naira. We don't see your card details.
• There is no fee on top-ups. You pay exactly the amount you chose.
• Coins are added once Paystack confirms the payment to us, not when you are sent back to the app. This is usually seconds, but can take longer if the payment is delayed.
• If a different amount reaches us than the one you chose, we credit what actually arrived, up to the amount you chose. If your coins have not arrived, email support@salesive.com (subject: "Gyvio payments") with the payment reference.
• How much you can top up each day depends on your trust level.

Purchased and earned coins

Your wallet keeps two kinds of coins apart:

• Purchased coins are ones you topped up. You can spend them on Gyvio but can't cash them out.
• Earned coins are ones you received from other people or from Gyvio: tips, accepted chat coins, paid first messages you replied to, giveaway prizes, referral rewards and streak rewards. You can spend them or cash them out.

When you spend, your purchased coins are used first, so your earned coins stay available to cash out. When coins you sent come back to you (for example a gift that was declined), they come back as the same kind they left as.

Tips

• You can tip a post with a preset amount (20, 50, 100 or 500 coins) or any whole number of coins.
• The creator gets the whole tip as earned coins straight away. There is no fee.
• Only creators with an active Gyvio+ membership can receive tips, and they can turn tips off. You can't tip your own post.
• You can tip anonymously. Otherwise, creators can show their top supporters on their posts, with or without amounts, or hide them.
• You can tip or send coins to the same person up to 5 times a day. Your daily total depends on your trust level. Days reset at midnight Nigerian time (WAT).
• Tips can't be taken back once sent.

Sending coins in chat

• You can send coins to someone in a chat, if they accept coins. The coins leave your balance and are held until they answer.
• If they accept, the coins become their earned coins. There is no fee.
• If they decline, don't answer within 72 hours (3 days), or one of you blocks or reports the other, the coins come back to you.
• The same daily limits as tips apply.

Paid first messages

• You can set a price for a first message from people you don't follow each other with, up to 5,000 coins and within your trust level's limit. Friends (people who follow each other) always message for free.
• When someone pays to message you, their coins are held. When you reply, the coins become your earned coins.
• If you don't reply within 72 hours, or one of you blocks or reports the other, the coins go back to the sender.
• You can have up to 5 paid first messages waiting for a reply at once.

Giveaways

A giveaway is a post that shares out coins to people who take part. It is shown as "Sponsored".

Running a giveaway

• You need to be trust level 1 or above. Your budget is limited by your trust level.
• The full prize amount is taken from your balance and held when you create the giveaway.
• You choose the total, the number of winners (1 to 1,000) and how long it runs (1 hour to 7 days, 48 hours if you don't choose). Each winner gets an equal share in whole coins; any remainder that doesn't divide evenly is not taken from you.
• There are three kinds: instant (the first people to claim each win a share, optionally limited to a city), question (people answer your question and you pick the winners before the deadline), and comment (liking, commenting on or sharing the post enters people, and you pick the winners).
• At trust level 1, our team reviews each giveaway before it goes live, until 3 of yours have been approved.
• Any prizes not won by the deadline come back to you. If we reject or remove your giveaway, the unpaid prizes come back to you too.
• You can't delete a giveaway post while it is running.
• You are responsible for describing your giveaway honestly, picking winners fairly, and following any law that applies to promotions you run.

Taking part

• Your account needs to be active and at least 24 hours old.
• You can enter up to 20 giveaways a day. You can't enter your own.
• Prizes arrive as earned coins.

Rewards: referrals and streaks

Referrals

Invite a friend with your link. You get 50 earned coins once, when the friend you invited first does one of these: tops up, wins a giveaway, or reaches a 7-day posting streak. Signing up alone does not earn the reward. You can earn up to 100 referral rewards in a calendar month.

Posting streaks

Post or share a status every day to build a streak. You get earned coins when your streak reaches:

Once every 30 days, a single missed day is forgiven automatically so your streak survives. If a streak ends, you can earn the rewards again on a new one.

Rewards obtained through fake accounts, shared accounts or other tricks will be taken back. See the Community Guidelines.

Cashing out

• You can cash out earned coins only, to a bank account in Nigeria, in Naira. Payouts are sent by Paystack.
• The minimum cash-out is 2,000 coins.
• A 10% fee is taken from the amount you cash out (rounded up to the nearest coin). For example, cashing out 2,000 coins sends ₦1,800 to your bank. We don't add bank or transfer charges on top.
• Cash-outs are available from trust level 1, up to a weekly limit set by your trust level. The week is any rolling 7 days.
• You give us your bank and a 10-digit account number, and we check the account name with the bank before paying. Make sure the details are right; we can't recover money paid to an account you gave us by mistake.
• Cash-outs are sent once a day, at 10am Nigerian time (WAT). Most arrive in your bank the same day.
• We review some cash-outs by hand before paying them, for example when most of the coins came from very few people. We may ask you questions and may reject a cash-out of coins that were earned by breaking our rules.
• A cash-out is only marked paid once Paystack confirms the transfer went through.
• If we reject a cash-out, the transfer fails, or your bank sends the money back, the full amount you asked to cash out, including the fee, goes back to your wallet as earned coins.

Where your cash-out is

Your wallet shows the status of each cash-out:

Fees

Gyvio+

Price and payment

• Gyvio+ costs ₦2,000 for 30 days. The current price is always shown in the app before you pay.
• You pay by bank transfer. When you join, Paystack gives you your own bank account number to pay into. To set this up we need your name and phone number.
• Gyvio+ is paid with money, not with Dash Coins, and your payment does not go into your wallet.
• Every full ₦2,000 you transfer adds 30 days. If you pay while you still have time left, the new days start when the current period ends.
• Anything left over is kept as Naira credit towards your next month. For example, a transfer of ₦5,000 adds 60 days and keeps ₦1,000 as credit; a later ₦1,000 transfer then adds another 30 days.
• Gyvio+ credit can only be used for Gyvio+. It is not Dash Coins and can't be cashed out.
• Payments are applied automatically once Paystack tells us they have arrived, usually within minutes. If one hasn't been applied, email support@salesive.com (subject: "Gyvio payments").

No automatic renewal

Gyvio+ never charges you by itself. When your period ends, it simply stops unless you pay again. There is nothing to cancel.

What you get

• A blue check beside your name.
• The ability to receive tips.
• Message text in your notifications, and replying straight from them.
• A masked peek at what someone is typing to you (their first and last letters). Only Gyvio+ members receive it.
• Up to 3 friend-streak saves a month, each covering one missed day.
• Videos up to 90 seconds (instead of 60) and up to 10 items in a carousel (instead of 5).
• A modest boost for your posts in the feed.
• Easier trust levels (you need 70% of the usual requirements) and 1.5 times the limits of your level. Gyvio+ does not unlock things your level does not allow at all, such as cash-outs at level 0.

We may change what Gyvio+ includes. If we take away a main feature, we will tell you in the app first.

No refunds, and coins that come back

Coins that come back

Coins that are held go back to the sender automatically when:

• coins sent in chat are declined or not answered within 72 hours,
• a paid first message gets no reply within 72 hours,
• one of you blocks or reports the other while coins or a paid message are waiting,
• giveaway prizes are not won by the deadline, or the giveaway is rejected or removed,
• a cash-out is rejected or fails (including the fee).

No refunds on anything you buy

• Gyvio does not give refunds. Buying Dash Coins is final: once they're in your wallet, the money is not paid back, and purchased coins can't be cashed out.
• Gyvio+ payments and Gyvio+ credit are final too, including for days you don't use.
• Tips, accepted chat coins and paid messages that were replied to are final.

If a payment went through but your coins or Gyvio+ time didn't arrive, email support@salesive.com (subject: "Gyvio payments") with the payment reference within 30 days. If we find the payment, we'll add the coins or Gyvio+ time it paid for.

If you reverse a payment through your bank or card issuer (a chargeback or dispute), the payment is flagged for our team to review. We may remove the coins or Gyvio+ time it paid for and restrict your wallet while we look into it.

Trust levels and limits

Your trust level grows as you use Gyvio. It sets how much money can move through your account, which protects everyone from fraud. You can see your level on your profile.

• With Gyvio+ you need 70% of the followers, streak or account age shown, and every limit above is 1.5 times higher.
• ID verification is not available yet. When it is, we will explain how it works and update our Privacy Policy first.
• A strike from a confirmed rule break can drop you from level 1 to level 0 or keep you at level 0. Our team can also raise your level.
• Other limits: 5 tips or coin sends to the same person a day, 5 paid first messages waiting at once, and 20 giveaway entries a day.

Your spending passcode

You can protect tips and coin sends with a 4-digit passcode. After 5 wrong tries it locks for 15 minutes. If you forget it, you can reset it, but for your safety the reset takes 7 days and we email you when one is requested. Never share your passcode. Gyvio staff will never ask for it.

Suspensions, bans and closed accounts

• While your account is suspended, you can see your wallet but can't top up, tip, send coins, pay for messages, enter giveaways or cash out.
• We may pause your wallet or hold a cash-out while we look into suspected fraud or a serious rule break.
• If your account is banned, you can no longer sign in, and every Dash Coin in it is forfeited, bought or earned. Cash-outs that have not been sent yet are cancelled and not paid. Coins lost this way are not refunded or cashed out.
• If we suspend or ban your account for breaking the rules, any Gyvio+ time left ends without a refund.
• If you delete your account, any coins left in your wallet are lost, so cash out your earned coins first. You can't delete your account while a cash-out is in review, queued or sending. See Delete your account.

Taxes

You are responsible for any tax on money you earn through Gyvio. We may be required by law to share records of your earnings with tax authorities.

Changes and questions

We may change fees, prices, limits or rewards. We will show the current ones in the app, and tell you in the app before a change to a fee or price takes effect. Changes don't affect coins already in your wallet or a Gyvio+ period you have already paid for.

Payment questions: support@salesive.com (subject: "Gyvio payments"). Gyvio is operated by Salesive Force Ltd.