Terms and Conditions

4.1 Registration

All Users must register an account to access the Platform. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

4.2 Email Verification

All accounts require email verification before access is granted. Verification links expire after 72 hours. Unverified accounts will not have access to Platform features.

4.3 Company Verification

Companies must submit supporting documents including CAC certificates and director identification for verification by Cura. Cura reserves the right to approve or reject Company registrations at its sole discretion. Verified Companies will be notified by email.

4.4 Provider Verification

Providers must submit operating licences and business documents for verification. Cura reserves the right to approve, reject, or suspend Provider listings at its sole discretion. Only verified Providers will be visible to Employees on the Platform.

4.5 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You must notify Cura immediately at hello@getcura.co if you suspect unauthorised access to your account. Cura will not be liable for any loss resulting from unauthorised use of your account.

5.1 Wallet Funding

Companies may fund their Cura wallet via card payment or bank transfer. All wallet funding transactions are processed through Paystack. A processing fee of 1.5% (capped at ₦2,000) applies to all wallet funding transactions and is borne by the Company.

5.2 Employee Health Caps

Companies may assign individual health spending caps to each Employee. The health cap represents the maximum amount an Employee may spend from the Company wallet on healthcare. Health caps may be adjusted by the Company at any time.

5.3 Provider Payments

Employees may use their health wallet balance to make direct payments to verified Providers on the Platform. A service fee of 2% (capped at ₦2,500) applies to each provider payment and is deducted from the transaction amount. The Provider receives the net amount after deduction of the service fee.

5.4 Wallet Balance

Wallet balances are not redeemable for cash and may only be used for healthcare payments to verified Providers on the Platform. Unused wallet balances remain the property of the Company.

5.5 Locked Funds

Companies may choose to lock a portion of their wallet balance for a defined period. Locked funds may not be accessed until the lock period expires. Early withdrawal of locked funds is subject to Cura's terms at the time of locking. Companies that make more than three withdrawals in a calendar month may forfeit benefits associated with locked funds for that month.

6.2 Repayment

Health credit is repaid through salary deductions in monthly instalments. The Company agrees to deduct the monthly repayment amount from the Employee's salary and remit to Cura on or before the due date. The repayment schedule will be clearly communicated to the Employee at the time of credit disbursement.

6.3 Early Repayment

Employees may repay health credit early without penalty. Early repayment will be calculated based on the outstanding balance to the date of repayment.

6.5 Employment Termination

If an Employee with an outstanding credit balance leaves their employment, the full outstanding balance becomes immediately due. The Company remains responsible for remitting any final salary deductions to Cura before or at the time of the Employee's departure.

7.1 Payment Receipt

Verified Providers receive payments from Employees directly into their Cura provider balance. Payments are credited to the provider balance net of Cura's service fee.

7.2 Withdrawal

Providers may request withdrawal of their available balance to their registered bank account. A transfer fee of ₦10 applies to each withdrawal and is deducted from the withdrawal amount. Withdrawals are processed within 1–3 business days subject to Paystack's transfer processing schedule.

7.3 Verification Requirement

Only verified Providers may receive payments or request withdrawals. Cura reserves the right to suspend or terminate Provider access if verification documents are found to be inaccurate or if the Provider engages in fraudulent activity.

14.1 By You

You may terminate your account at any time by contacting hello@getcura.co. Termination does not relieve you of any outstanding financial obligations including unpaid health credit.

14.3 Effect of Termination

Upon termination, your access to the Platform will be revoked. Any outstanding wallet balances will be returned to the Company. Any outstanding health credit balances remain due and payable.