Terms and Conditions
The rules for using SurviveZeal.com and its associated brands, including the terms that apply to SVZ Finance transactions.
Last updated: October 10, 2026
Website-wide terms
1. Scope and acceptance
These Terms and Conditions govern the use of survivezeal.com, including its SurviveZeal, SVZ Finance and MindZeal sections. The website is operated by Daniel Nnanna, based in Imo State, Nigeria. By using the website or requesting services, you agree to the applicable terms, subject to any mandatory rights provided by law. Brand-specific provisions below apply alongside these general terms; where they conflict, the more specific provision governs the relevant service unless the law requires otherwise.
2. Lawful and responsible use
You must use the website and our communication channels lawfully. You must not impersonate another person, submit fraudulent information, infringe intellectual property rights, interfere with site security, attempt unauthorized access or introduce harmful code. We may restrict access or refuse a request where reasonably necessary for security, fraud prevention or legal compliance.
3. Intellectual property
Unless otherwise stated, our original writing, designs, graphics, trademarks and other materials are owned by us or used under licence. You may read content and share links to it. Commercial reproduction, systematic copying or redistribution without permission is prohibited except where permitted by law. Third-party trademarks and materials remain the property of their respective owners.
4. Links, affiliate relationships and advertisements
Our website may contain advertisements, affiliate links, reviews and links to third-party websites. We may earn commissions or other compensation from qualifying referrals. Third-party products and services are operated under their own terms, and we do not control their prices, availability, security or performance. Compensation does not guarantee suitability or results.
5. Privacy and communications
Personal information is handled as explained in our Privacy Policy. SurviveZeal, SVZ Finance and MindZeal use Kit for opted-in email communications. Subscribers may unsubscribe from marketing emails using the link provided in our messages. Necessary service-related replies or transaction communications may still be sent.
6. Availability and changes
We aim to maintain our website and services, but access may occasionally be interrupted by maintenance, technology failures or third-party issues. We may revise content, offerings and these Terms as circumstances change. The date at the top identifies the version displayed on this page.
7. Liability and consumer rights
Information-only content is provided for general use. To the fullest extent permitted by law, we are not responsible for indirect or consequential losses caused solely by reliance on general website content or ordinary site interruptions. These Terms do not remove any statutory consumer rights, refund rights, payment obligations or other liability that cannot legally be excluded.
SurviveZeal — digital content and resources
8. Educational content
SurviveZeal publishes resources about SEO, GEO, blogging, affiliate marketing, AI, automation, digital tools and online business. Such material is for general education and information. It is not an individualized guarantee of a particular outcome.
9. Reviews and recommendations
We may review or compare third-party software, websites and services, including through affiliate relationships. Details about tools, prices, platforms and features can change. You are responsible for deciding whether a third-party offer meets your circumstances.
10. Results and earnings
Examples of rankings, traffic, revenue, income or business growth are illustrative and not promises. Results depend on many factors outside our control, including implementation, competition, platform policies and market conditions.
11. Newsletter subscriptions
If you subscribe to SurviveZeal communications, you may receive educational updates, resources and marketing content consistent with your subscription. Subscription management and privacy choices are described in our Privacy Policy.
SVZ Finance — information and currency exchange
12. Nature of services
SVZ Finance publishes financial and payment-related educational content and also arranges direct currency exchange transactions. Customers send funds to the payment destination we confirm, and we arrange the corresponding payout in the agreed currency. Transactions are currently coordinated manually through WhatsApp. These transaction terms supplement the website-wide terms.
13. Transaction requests and eligibility
Sending an enquiry does not automatically create an obligation to complete an exchange. Transactions are subject to acceptance, payment verification, applicable legal requirements and the availability of the requested service. Customers must be authorized to transfer the funds and must provide accurate payer, payee and payment information. We may request documents or explanations reasonably needed to validate the transaction, establish its source or purpose, or comply with applicable legal requirements.
14. Rates and when a transaction becomes confirmed
Exchange quotations reflect relevant market conditions, currencies, payment methods and transaction details. A quoted rate is not locked merely because it has been discussed. The transaction rate becomes fixed once we have received and verified the payer’s funds and expressly accepted the transaction at the confirmed rate. If a quoted rate changes before that point, we will communicate the updated rate and seek your agreement. If you decline a revised rate after funds have arrived, the funds will be handled under the cancellation and refund provisions below. Once a rate is confirmed, it applies to the agreed transaction unless both parties agree otherwise or applicable law requires a different outcome.
15. Amounts, fees and exchange margins
Our service margin is generally included in the exchange rate we quote. We will communicate the sending amount, applicable rate and expected payout before confirming a transaction. If additional bank, payment-platform or processing charges apply, those charges will be disclosed before the customer accepts the transaction. We do not add undisclosed service fees after confirmation.
16. Payment verification and payout
We process a transaction after receiving and verifying the funds and confirming the agreed terms. Customers must provide correct payer and recipient details. We will communicate the expected settlement timeframe when confirming the exchange. Timing may vary because of banking or payment-platform operations, verification, public holidays, security checks or other relevant circumstances. We will communicate material delays when practicable.
17. Cancellations
Customers may request cancellation before the exchange or corresponding payout is executed. Requests made after execution may be declined where the transaction cannot reasonably be reversed, subject to applicable law and any right to a correction or refund arising from error or breach. Where a transaction is declined or cancelled, the handling of funds is governed by the refund policy below.
18. Refund recipient and payment channel
For fraud prevention, refunds are ordinarily made exclusively to the original payer through the same payment channel used to send the funds. We do not ordinarily issue refunds to the intended recipient, a different person or an unrelated account, even if requested by the person communicating with us. Exceptions may be considered only in exceptional circumstances, such as when the original channel cannot receive the refund, and require appropriate verification of the original payer’s identity, authority and ownership of any alternative destination, together with compliance with applicable laws and payment-provider rules. No customer has an automatic right to redirect a refund.
19. Refund timing, deductions and disputes
Where a refund is approved or legally required, we generally aim to process it within 3–5 business days after completing any necessary verification and approving the refund. Processing by banks and payment platforms may take additional time. Any legally permitted third-party charges or deductions will be explained as applicable. We may investigate suspicious or disputed transactions and delay a refund for reasonable verification, subject to mandatory legal obligations. A pending payer dispute, reversal or chargeback may affect how a refund is handled to avoid duplicate payment. Nothing here overrides a refund or other remedy required by law.
20. Fraud prevention and prohibited transactions
Customers must use lawful funds and must not request exchanges connected to fraud, money laundering, unauthorized access, stolen accounts or prohibited activity. We may refuse, pause or investigate a transaction where necessary for security, validation or legal compliance. Where required, we may provide information to relevant payment providers or competent authorities. We will deal with funds and customer rights in accordance with applicable law.
21. Mistakes and complaints
Please promptly report an incorrect recipient detail, duplicate payment, unexpected delay or other transaction problem through the SVZ Finance WhatsApp conversation used for the exchange or by emailing info@survivezeal.com. We will review relevant messages, transaction references and payment evidence and communicate the available outcome, subject to applicable law. Customers should not rely solely on screenshots as proof of final settlement; payment receipt must be verified.
22. Financial articles versus transactions
Financial articles are educational and do not constitute individualized financial, tax, investment or legal advice. Rates and figures appearing in articles are illustrative unless expressly confirmed as part of a specific transaction. A customer’s actual exchange is governed by the agreed transaction details, these applicable terms and the law.
MindZeal — education and coaching
23. MindZeal content
MindZeal provides motivational, mindset, personal-development and educational material. Such content is for learning and reflection; individual circumstances and outcomes vary. It does not replace medical, mental-health or other qualified professional care where that is needed.
24. Coaching and learning programmes
MindZeal may offer coaching, mentoring or structured learning services. Before enrolling in any paid programme, customers will be given the relevant description, scope, fee, schedule, participation requirements and applicable cancellation or refund conditions. Nothing on the website alone guarantees admission, availability or a particular result.
25. Books and learning products
Books, digital resources and other educational materials may be offered through MindZeal. Any product-specific purchase, delivery, access, licensing and refund terms will be presented with the applicable offer before payment is accepted.
26. MindZeal email communications
MindZeal uses Kit for subscribers who request updates. Messages may include educational material, relevant brand news and offers, and subscribers may unsubscribe from marketing emails at any time.
Other legal provisions and contact
27. Applicable law and disputes
These Terms are interpreted subject to the laws applicable to the website operator and the particular service or transaction, together with mandatory consumer and other protections that may apply in the customer’s jurisdiction. Any dispute relating to a direct financial transaction will also be subject to applicable financial-services and payment regulations. Nothing here prevents access to a regulator or court where that right cannot lawfully be waived.
28. Severability
If any provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law.
29. Contact
SurviveZeal
Operated by Daniel Nnanna
Imo State, Nigeria
Email: info@survivezeal.com
Website: survivezeal.com.