Your terms,
in plain English.

1. Who can drive on Muuvers

To take jobs on Muuvers you must complete our eight-step onboarding and meet all of the following:

• Be at least 18 years old and hold a valid Nigerian driving licence appropriate to the vehicle you operate.
• Have the legal right to work and to operate a commercial moving vehicle in Nigeria.
• Pass identity verification: your National Identification Number (NIN) and a liveness check through our verification partner, Smile Identity.
• Provide a current vehicle registration, a valid roadworthiness certificate, and valid insurance for the vehicle.
• Prove ownership of the bank account you want paid into, verified through Paystack Resolve.

Approval is typically completed within 24–48 hours of you submitting a complete set of documents. We may decline an application, and we may ask you to re-verify at any time. You must keep every document current; see section 3.

2. Independent contractor relationship

You drive on Muuvers as an independent contractor, not as an employee, agent, partner or joint-venturer of Muuvers. Nothing in these Terms creates an employment relationship. In particular:

• You decide when, where and how often you go online. There is no shift, no roster and no minimum hours.
• You receive no salary, pension, leave, or employee benefits. You are paid per completed job under section 5.
• You operate your own vehicle and bear its running costs (fuel, maintenance, insurance, licensing).
• You are responsible for your own taxes and any statutory contributions on your earnings. Muuvers does not deduct PAYE.

3. Vehicle, insurance and roadworthiness

For the whole time you are active on Muuvers, you must keep the following true:

• Your vehicle is registered to you (or you are authorised to operate it) and is in safe, roadworthy condition.
• You hold a valid roadworthiness certificate and valid motor insurance for the vehicle and the type of work you do.
• The minimum insurance you must carry covers third-party liability and the goods you move.

When any document is approaching expiry we will prompt you to re-verify. If a required document expires or lapses, your account is automatically held and you cannot receive new jobs until the document is renewed and re-verified. Re-verification uses the same partners as onboarding (Smile Identity for identity, Paystack Resolve for bank details). Driving on Muuvers with an expired, suspended or invalid licence, insurance or roadworthiness certificate is a serious breach of these Terms.

4. Accepting and performing jobs

When you are online, we offer you jobs that match your vehicle and location. Each offer shows the route and the fare. Every fare is calculated from distance, vehicle size and the number of floors, and the price is locked at the quote the customer accepted — you may not request add-ons, surcharges or extra payment from the customer after that, and you must not ask the customer to settle off-platform.

• You are free to accept or decline any offer.
• Once you accept, you commit to performing the job with reasonable care, on time, and to a professional standard.
• A six-digit loading code provided by the customer unlocks loading. Do not begin loading without it.
• A customer may cancel free of charge before you begin pickup. Once loading has started, any change is handled through the dispute flow (section 9).
• Repeatedly accepting and then abandoning jobs, frequent no-shows, or a consistently low customer rating may lead to suspension under section 8.

5. Earnings, commission and payouts

Your earnings model is simple and disclosed up front:

• You keep 80% of every fare. Muuvers retains a 20% commission for operating the marketplace.
• On card jobs, the customer pays through Paystack and the money is held in escrow until the move is complete and undisputed. Your share is then released.
• Card-side earnings are paid to your verified bank account on a T+1 schedule at no charge.
• You can also cash out on demand at any time for a flat ₦50 fee.
• Tipping, if offered to a customer, is yours in full.

We may withhold a payout where it is reasonably needed to investigate fraud, an unresolved dispute, a chargeback, or a breach of these Terms, and we will tell you why.

6. Cash handling and commission settlement

Some customers pay cash on delivery. On those jobs you collect the full fare directly. The 20% commission you owe Muuvers on a cash job is netted against your next card-side payout rather than collected separately.

• Cash you collect is held by you in trust for the commission portion owed to Muuvers until it is netted.
• There is a ceiling on the amount of unsettled cash commission you can carry. While you are at the ceiling, cash-only jobs are blocked until you clear the balance.
• When you reach the ceiling, you can settle immediately using Paystack repay-now to restore your ability to take cash jobs.

7. Conduct and prohibited behaviour

While using Muuvers you must not:

• Discriminate against, harass, threaten or endanger any customer, member of the public or Muuvers staff.
• Drive dangerously, or operate a vehicle while under the influence of alcohol or any impairing substance.
• Carry prohibited, illegal, hazardous or stolen goods, or knowingly facilitate any unlawful move.
• Arrange side-deals, off-platform payments or repeat work with customers outside Muuvers in order to avoid commission.
• Share, sell or let another person use your driver account, or drive on someone else’s account.
• Submit false, altered or borrowed documents during onboarding or re-verification.

A breach of this section may lead to immediate suspension or deactivation under section 8.

8. Suspension, deactivation and appeals

We distinguish between a temporary hold and ending your access entirely.

• Suspension (temporary): we may pause your ability to take jobs for issues such as an expired document, a consistently low customer rating, repeated cancellations or no-shows, or while we investigate a complaint. A suspension is normally lifted once the issue is resolved.
• Deactivation (permanent): we may end your access for serious or repeated misconduct — fraud, a safety incident, carrying prohibited goods, falsified documents, or repeated breaches after warning.

Except where the law or safety requires immediate action, we will tell you the reason and, for non-safety matters, give you a chance to put it right before deactivating. You can appeal any suspension or deactivation by writing to drivers@muuvers.com; we will review the evidence and respond. Earnings you have already lawfully earned remain payable on deactivation; see section 11.

9. Disputes with customers

A customer can open a dispute in-app — for example over damage or a missing item. When a dispute is opened, the payment for that booking is held while our operations team reviews evidence from both sides. You will be asked to respond and to provide your account and any photos.

We propose that the filing window for a dispute is 7 days from delivery. You should respond to a dispute promptly once notified; failing to respond may cause us to decide on the customer’s evidence alone. The outcome may release the payment to you, refund the customer (card refunds are made within 5 business days of approval; cash refunds follow the dispute outcome), or apportion responsibility. How responsibility for damage is split between you and Muuvers is set out in section 10.

10. Liability

Muuvers is a marketplace, not the carrier of goods. As the driver, you are responsible for the safe carriage of the goods you accept and for operating your vehicle, and you carry vehicle and goods-in-transit liability through your own insurance (section 3).

Where goods are lost or damaged in transit, responsibility falls on the party at fault: typically the driver where the loss results from how the goods were handled, loaded or driven, subject to the customer’s own packing and disclosure.

To the maximum extent permitted by law, Muuvers’ total liability to you arising out of or in connection with any single booking is capped at the total fare paid for that specific booking. We are not liable for indirect or consequential loss, lost profits, or loss of expected earnings.

11. Termination

You can stop driving on Muuvers at any time, and you can close your account through Settings or at Delete your account. Account deletion is honoured within 30 days; trip and payment history is retained where we must keep it for tax and dispute purposes (see the driver privacy notice).

Muuvers can end the relationship under section 8. On termination by either side:

• Any payout you have already earned and that is not subject to a live dispute or fraud hold remains payable to your verified bank account.
• Any unsettled cash commission you owe under section 6 becomes immediately due and may be netted from a final payout or collected via Paystack repay-now.

12. Governing law and dispute resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. We encourage you to raise any dispute with us first at legal@muuvers.com so we can try to resolve it. If it cannot be resolved informally, the parties will attempt mediation in good faith before commencing court proceedings. Failing resolution, the courts of the Federal Capital Territory, Abuja have jurisdiction.

13. Changes to these terms

We may update these Terms as the service and the law change. For material changes we will notify you in the driver app or by email before they take effect, and we will update the “Last updated” date above. If you keep driving on Muuvers after a change takes effect, you accept the updated Terms. If you do not agree, you can stop driving and close your account.

Related: Driver privacy notice · Delete your account