Welcome to savvy.com.pk

The following terms of service (these "Terms of Service"), govern your access to and use of the savvy.com.pk website, including any content, functionality and services offered on or through www.savvy.com.pk (the "Site") by Savvy Technologies and, with respect to payment processing services. Savvy Technologies is referred here to as "Savvy" "we" or "us".

Please read the Terms of Service carefully before you start to use the Site.By using the Site, opening an account or by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy, found here, incorporated herein by reference. If you do not want to agree to these Terms of Service or the Privacy Policy, you must not access or use the Site. For more detailed policies surrounding the activity and usage on the Site, please access the designated articles herein.

This Site is offered and available to users who are 13 years of age or older. If you are under 13 you may not use this Site or the Savvy services. By using this Site, you represent and warrant that you are of legal age to form a binding contract and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site. Our Customer Support team is available 24/7 if you have any questions regarding the Site or Terms of Service. Contacting our Customer Support team can be performed by submitting a request here.

The original language of these Terms of Service, as well as all other texts throughout the Site, is English. Savvy makes available this translation for convenience only. In case of conflicts between the original English version and any translation, the English version shall prevail.

Buyers are users who purchase services on Savvy.
Custom Offers are exclusive proposals that a Specialist can create in response to specific requirements of a Buyer.
Custom Orders are requests made by a Buyer to receive a Custom Quote from a Specialist.
Disputes are disagreements experienced during an order between a Buyer and Specialist on Savvy.
Savvy Balance is the aggregated amount of your Revenue as a Specialist and/or returned payments from cancelled orders as a Buyer.
Savvy Points are points that Savvy may provide users to be used only for redeeming items on Savvy, subject to these Terms of Service or any other applicable laws and/or terms.
Gig Add-ons are additional services offered on top of the Specialist’s Gig for an additional price defined by the Specialist.
Packages allow Specialists to offer services in different formats and prices. Packages can include upgrades, which lets Specialists price their service for a basic price of over PKR 750.​
Gig Page is where the Specialist can describe their Gig and the Gig’s terms, and the Buyer can purchase the Gig and create an order.
Gig / Gigs are services offered on Savvy.
Order Page is where Buyers and Specialists communicate with each other in connection with an ordered Gig.
Orders are the formal agreement between a Buyer and Specialist after a purchase was made from the Specialist’s Gig Page.
Payment Services Provider(s) are service providers that provide payment services to Buyers and Specialists in connection with the Savvy platform, including with respect to collection of funds from Buyers in connection with purchases, remittance and withdrawal of funds to Specialists, currency exchange services in connection with payments in local currencies, and the holding of funds in connection with Savvy Balances.
Revenue is the money that Specialists earn from completed orders and can either withdraw or use to purchase on Savvy, subject to these Terms.
Specialists are users who offer and perform services through Gigs on Savvy.

• Only registered users may buy and sell on Savvy. Registration is free.
• Gigs on Savvy may be offered at a base starting price of PKR 750. Some Gigs are offered at a base price of more than PKR 750 as determined by the Specialist.
• Buyers pay Savvy in advance to create an order (see Purchasing Section below regarding payment terms).
• Orders are purchased through the 'Buy Now' button found on a Specialist’s Gig page or through a Custom Offer.
• Specialists must fulfil their orders, and may not cancel orders on a regular basis or without cause. Cancelling orders will affect Specialists’ rating and reputation.
• Specialists gain account statuses (Levels) based on their performance and reputation. Advanced levels provide their owners with benefits, including offering services for higher prices through Gig Add-ons, or selling their Gig in multiples.
• Users may not offer or accept payments using any method other than placing an order through savvy.com.pk.
• When purchasing a Gig, Buyers are granted all rights for the delivered work, unless otherwise specified by the Specialist on their Gig page. Note: some Gigs charge additional payments (through Gig Add-ons).
• Savvy retains the right to use all published delivered works for Savvy promotion and marketing purposes.
• We care about your privacy. You can read our Privacy Policy here . The Privacy Policy is a part of these Terms of Service and incorporated herein by reference.

• Specialists create Gigs on Savvy to allow Buyers to purchase their services.
• Specialists may also offer Custom Offers to Buyers in addition to their Gigs.
• Each Gig you sell and successfully complete, accredits your account with a net revenue of 90% of the purchase amount.
• Savvy accredits Specialists (according to clearance terms) once an order is completed. See our "Orders" section below for a definition of a completed order.
• If an order is cancelled (for any reason), the funds paid will be returned to the Buyer’s Savvy Balance.
• Revenues will only be disbursed by Savvy according to the applicable clearance period.
• The Specialist's rating is calculated based on the order reviews posted by Buyers. High ratings allow Specialists to obtain advanced Specialist levels (see Levels below). In certain cases, exceedingly low ratings may lead to the suspension of the Specialist’s account.
• Specialists are responsible for paying any direct or indirect taxes, including any GST, VAT or otherwise, which may apply to them depending on residency or location. Specialists represent and warrant that they comply, and will comply at all times, with their obligations under income tax provisions in their jurisdiction. The price shown on the Gig is inclusive of all such taxes and charges that may apply to the Specialists.
• Appointment as Limited Payment Collection Agent: Specialist hereby appoints Savvy as Specialist’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Specialist. Specialist agrees that payment from Buyer to Savvy shall be considered the same as payment made directly to Specialist. Buyer’s payment obligation to Specialist will be satisfied upon receipt of payment by Savvy (or its Payment Services Provider, as applicable), and Savvy (via its Payment Services Provider, as applicable) is responsible for remitting the funds to the Specialist in the manner described in these Terms of Service. In the event that Savvy (via Payment Services Provider) does not remit any such amounts to Specialist, the Specialist will have recourse only against Savvy and not the Buyer directly. Specialist agrees that Savvy may describe or otherwise reflect the terms contained herein in any terms of service, receipts, disclosures, or notices including, but not limited to, receipts provided to Buyers that Savvy may deem necessary or prudent.
• Savvy partners with Payment Services Providers for purposes of collecting payments from Buyers, transferring such payments from Buyers to Specialists, and holding funds in connection with Savvy Balances.
• Specialists are responsible for obtaining a general liability insurance policy with coverage amounts that are sufficient to cover all risks associated with the performance of their services.

• Specialists are allowed to post a select amount of active Gigs based on their Level status. See below for Levels.
• Gigs created on Savvy are User Generated Content.
• Gigs and/or users may be removed by Savvy from the Site for violations of these Terms of Service and/or our Community Standards, which may include (but are not limited to) the following violations and/or materials:
  • Illegal or Fraudulent services
  • Adult oriented services, Pornographic, Inappropriate/Obscene
  • Intentional copies of Gigs
  • Spam, nonsense, or violent or deceptive Gigs
  • Gigs misleading to Buyers or others
  • Reselling of regulated goods
  • Offering to prepare academic works on behalf of Buyers
  • Exceedingly low quality Gigs
  • Promoting Savvy and/or Savvy Gigs through activities that are prohibited by any laws, regulations, and/or third parties' terms of service, as well as through any marketing activity that negatively affects our relationships with our users or partners.
• Gigs that are removed for violations mentioned above, may result in the suspension of the Specialist’s account.
• Gigs that are removed for violations are not eligible to be restored or edited.
• Gigs may be removed from our Search feature due to poor performance and/or user misconduct.
• Gigs may include pre-approved website URLs contained within the Gig description and requirements box. Gigs containing websites promoting content, which violates Savvy’s Terms of Service and/or our Community Standards, will be removed.
• Gigs are required to have an appropriate Gig image related to the service offered. An option to upload additional Gig images are available to all Specialists. Specialists must deliver the same quality of service as shown on their Gig images. Recurring deliveries that don’t match the quality shown on the Gig images may lead to the Specialist’s account losing Specialist status or becoming permanently disabled.
• Gigs may contain an approved Gig Video uploaded through the Gig management tools
  available on Savvy.
• Statements on the Gig Page that undermine or circumvent these Terms of Service is
  prohibited.
• Eligible Gigs in select Categories may set up Gig Packages to offer their services in structured
  formats with multiple price points for the selected Gig.

• Gig Add-ons are additional services offered on top of the Specialist’s Gig for an additional price defined by the Specialist.
• Gig Add-ons may be removed for violations of our Terms of Service and/or our Community Standards. For specific terms, please see the Gigs section above for a list of services that violate our Terms of Service. Gigs are subject to be removed due to violations found in Gig Add-ons.
• The amount of Gig Add-ons, which can be offered, and the price for each Gig Add-on, is based on your Specialist Level.
• Services offered through Gig Add-ons must be related to the base service and part of the deliverable on the Order.
• Gig Add-ons may cover different categories of services that are components to a higher quality delivered service.
• Specialists may have the option to extend the duration of an Order for each Gig Add-on that is added to the Order. This is to cover the time needed to complete the extra service.

Savvy has a unique level system that helps Specialists leverage their skills. We seek to empower top performing Specialists with helpful tools to grow their business. Specialists who invest in self-promotion may achieve greater customer satisfaction. And, if they deliver on time and maintain high quality and ratings, Savvy may reward them with new statuses, special opportunities, benefits, and tools that come with it.

• Savvy Specialists can gain account Levels based on their activity, performance and reputation. 
• Advancement in Levels are updated periodically by an automated system.
• The current Levels a Specialist can achieve are, Silver, Gold & Platinum.
• Specialists who cannot maintain their high quality service, experience a severe drop in ratings, or stop delivering on time risk losing their Specialist status and the benefits that come with it. For example, late deliveries, warnings to the Specialist’s account and cancellations can cause a Specialist to move to a different Level.
• Advanced levels provide their owners with additional benefits, including offering Gigs for higher prices through Gig Extras, or selling their Gig in multiples.

• Platinum Specialists are chosen manually by Savvy editors through an ongoing review process based on seniority, volume of sales, extremely high ratings, exceptional customer care, high order completion rate and community leadership. Platinum Specialists gain access to more extensive features than previous levels, including exclusive access to beta features and VIP support.
• Platinum Specialists Eligibility is constantly evaluated by Savvy to ensure that the quality standards and expectations of the Platinum Specialists selection is kept. Savvy retains the right to change a Platinum Specialists status in light of such evaluation. In addition, Platinum Specialists who cannot maintain their high quality service through a severe drop in ratings, stop delivering on time, increased cancellation rate or violate our Terms of Service and/or our Community Standards, also risk losing their Platinum Specialists status and the benefits that come with it.

• All Specialists are pre-verified professionals who undergo a vetting process by Savvy moderators and recruiters.
• A Specialists eligibility is constantly evaluated by Savvy to ensure the quality standards. Savvy retains the right to change a Specialist’s status in light of such evaluation. In addition, Specialists who cannot maintain their high quality service through a severe drop in ratings, stop delivering on time, increased cancellation rate or violate our Terms of Service, also risk losing their Specialist status and the benefits that come with it.

Savvy Specialists have access to several exclusive features that help customize the way their services can be offered.

• Specialists can also send Custom Offers addressing specific requirements of a Buyer.
• Custom Offers are defined by the Specialist with the exact description of the service, the price and the time expected to deliver the service.
• Custom Offers are sent through the Specialist dashboard.
• Services provided through Custom Offers may not violate Savvy’s Terms of Service and/or our Community Standards.

Some of the services on Savvy are delivered physically (arts and crafts, collectable items, etc.). For these types of Gigs, Specialists may decide to add shipping charges. Specialists can add shipping charges for local shipping (within the same country) and for international shipping (anywhere else).

• Gigs that include shipping costs must have physical deliverable sent to Buyers.
• Shipping costs added to a Gig only pertains to the cost Specialists require to ship physical items to Buyers.
• Important: Buyers who purchase Gigs that require physical delivery, will be asked to provide a shipping address.
• Specialists are responsible for all shipping arrangements once the Buyer provides the shipping address.
• Savvy does not handle or guarantee shipping, tracking, quality, and condition of items or their delivery and shall not be responsible or liable for any damages or other problems resulting from shipping.
• A tracking number is a great way to avoid disputes related to shipping. We require entering the tracking number if available in the Order Page when delivering your work.

Savvy has a unique level system that helps Specialists leverage their skills. We seek to empower top performing Specialists with helpful tools to grow their business. Specialists who invest in self-promotion may achieve greater customer satisfaction. And, if they deliver on time and maintain high quality and ratings, Savvy may reward them with new statuses, special opportunities, benefits, and tools that come with it.

• To receive your revenue, you must have either a valid Bank Account, Jazz Cash / EasyPaisa Account. All funds eligible for disbursement will be held on your behalf at an account with Savvy’s Payment Services Provider. All payment services, including withdrawal services will be provided by Savvy’s Payment Services Provider.
• Revenues are disbursed according to Specialist levels following a safety clearance period of a minimum of 7 working days after the job has been marked as completed.
• Disbursement can only be made in the amount available to you.
• Disbursement fees vary depending on the disbursement method.
• Withdrawals are final and cannot be undone. We will not be able to reverse this process once it has begun.
• In certain cases, Specialists may be disbursed Revenues in several different currencies. Your Savvy Balance is always derived from its PKR value and, therefore, the local currency amount of your Savvy Balance may change daily in accordance with exchange rates fluctuations and also includes conversion fees.

• You may not offer direct payments to Specialists using payment systems outside of the Savvy platform.
• Savvy retains the right to use all publicly published delivered works for Savvy marketing and promotional purposes.
• Buyers may request a specific service from the Post a Job feature. Services requested on Savvy must be an allowed service on Savvy.

• Buyers pay Savvy to create an order from a Specialist’s Gig page or Custom Offer, using the 'Buy Now' button. Savvy partners with Payment Services Providers for purposes of collecting some payments from Buyers, transferring such payments from Buyers to Specialists, and holding funds in connection with Savvy Balances.
• Savvy serves as Specialist’s limited authorized payment collection agent solely for the purpose of accepting payments (via its Payment Services Provider, if applicable) from Buyer, and remitting those payments to Specialist. Buyer’s payment obligation to Specialist will be satisfied upon receipt of payment by Savvy (or its Payment Services Provider, as applicable), and Savvy (via its Payment Service Provider, as applicable) is responsible for remitting the funds to the Specialist in the manner described in these Terms of Service. In the event that Savvy (via Payment Services Provider) does not remit any such amounts to Specialist, the Specialist will have recourse only against Savvy and not the Buyer directly.
• In most locations, purchases on Savvy can be made by using one of the following payment methods: Credit Card, Mobile Payments, Fuel Points, Bank Transfer / Deposit or existing Savvy Balance. Additional payment methods may apply in certain locations.
• You may not offer Specialists to pay, or make payment using any method other than through the Savvy.com.pk site. In case you have been asked to use an alternative payment method, please report it immediately to Customer Support here.
• To protect against fraud, unauthorized transactions (such as money laundering), claims or other liabilities, payment information in connection with withdrawals is collected by either Savvy or Savvy’s Payment Services Providers. Payment Services Providers may also collect such other information as necessary for proposes of processing withdrawal payments. Savvy is not exposed to the payment information provided to Payment Services Providers, and this information is subject to the privacy policy applicable to the Payment Service Provider. Please see our Privacy Policy for more information here.
• By using any payment method and/or providing payment details for making purchases on Savvy, you represent and warrant that: (a) you are legally authorized to provide such information; (b) you are legally authorized or have permission to make payments using the payment method(s); (c) if you are an employee or agent of a company or person that owns the payment method, you are authorized by that company or person to use the payment method to make payments on Savvy; and (d) such actions do not violate any applicable law.

• Buyers may be charged with indirect taxes (such as Sales Tax, VAT or GST) depending on their residency, location and any applicable law, in addition to the price shown on the site, and, in any event, any such taxes will always be displayed to the Buyer before payment.
• Buyers agree that they are responsible to comply with all tax requirements applicable to them, including but not limited to any obligation to deduct or withhold taxes. It is hereby clarified that all prices and fees that appear on the Site are the net amounts that will be paid following any direct or indirect taxes, levy, withholding tax and/or deductions.

• Once payment is confirmed, your order will be created and given a unique Savvy order number (#SO).
• Specialists must deliver completed files and/or proof of work using the Submit Work button (located on the My Orders page) according to the service that was purchased and advertised on their Gig.
• The Submit Work button may not be abused by Specialists to circumvent Order guidelines described in this Terms of Service. Closing a Gig / Job when an Order was not fulfilled may result in a cancellation of that Order after review, affect the Specialist’s rating and result in a warning to Specialist.
• An Order is marked as Complete after it is marked as Submitted and then accepted by a Buyer. An Order will be automatically marked as Complete if not accepted and no request for modification was submitted within 3-5 days after the Order was marked as Delivered.
• We encourage our Buyers and Specialists to try and settle conflicts amongst themselves. If for any reason this fails users can contact Savvy's Customer Support department for assistance here.

• When a Buyer orders a Gig, the Specialist is notified by email as well as notifications on the site while logged into the account.
• Specialists are required to meet the delivery time they specified when creating their Gigs. Failing to do so will allow the Buyer to cancel the Order when an Order is marked as late and may harm the Specialist's status.
• Specialists must send completed files and/or proof of work using the Deliver Completed Work button (located on the Order page) to mark the Order as Delivered.
• Users are responsible for scanning all transferred files for viruses and malware. Savvy will not be held responsible for any damages which might occur due to site usage, use of content or files transferred.
• Buyers may use the "Request Revisions" feature located on the Order Page while an Order is marked as Delivered if the delivered materials do not match the Specialist's description on their Gig page or they do not match the requirements sent to the Specialist at the beginning of the order process.

• Feedback reviews provided by Buyers while completing an Order are an essential part of Savvy's rating system. Reviews demonstrate the Buyer's overall experience with the Specialists and their service. Buyers are encouraged to communicate to the Specialist any concerns experienced during their active order in regards to the service provided by the Specialist.
• Leaving a Buyer's feedback is a basic prerogative of a Buyer. Feedback reviews will not be removed unless there are clear violations of our Terms of Service and/or our Community Standards.
• To prevent any misuse of our Feedback system, all feedback reviews must come from legitimate sales executed exclusively through the Savvy platform from users within our Community. Purchases arranged, determined to artificially enhance Specialist ratings, or to abuse the Savvy platform with purchases from additional accounts, will result in a permanent suspension of all related accounts.
• Feedback comments given by Buyers may be publicly displayed on a Specialist’s Gig page.
• Withholding the delivery of services, files, or information required to complete the Gig’s service with the intent to gain favourable reviews or additional services is prohibited.
• Responding and posting a review: Once work is delivered, the Buyer has three days to respond. If no response is provided within the response period, the Order will be considered completed.
• Users are allowed to leave reviews on Orders up to 10 days after an Order is marked as complete. No new reviews may be added to an Order after 10 days.
• Specialists may not solicit the removal of feedback reviews from their Buyers through mutual cancellations.

We encourage our Buyers and Specialists to try and settle conflicts amongst themselves. If for any reason this fails users can contact Savvy's Customer Support.

• Order cancellations can be performed on Savvy, when eligible, by Customer Support.
• Filing a transaction dispute or reversing a payment through your payment provider or your bank is a violation of these Terms of Service. Doing so may get your account temporarily or permanently disabled. Note: once you have filed a dispute with your payment provider, the funds will be ineligible for a refund due to our obligations towards the payment provider.
• In the event that a Buyer or Specialist encounters an issue related to the service provided in an order, you are encouraged to use the Site's dispute resolution tools to attempt to resolve the matter.
• Savvy, through its Payment Services Providers, reserves the right to cancel orders or place funds on hold for any suspected fraudulent transactions made on the Site.
• All transfer and assignment of intellectual property to the Buyer shall be subject to full payment and the delivery may not be used if payment is cancelled for any reason.
• If an order is cancelled (for any reason), the funds paid will be returned to the Buyer’s Savvy Balance.
• Revisions to deliveries can be performed by Specialists based on the Specialist’s Gig and customer care. Specialists may determine the amount of revisions offered to Buyers, including no revisions.
• Requests for revisions can be performed through the Order Page while the order is marked as Delivered.
• Requesting to gain more services from Specialists beyond the agreed requirements by using the Request Revisions button is not allowed.

• Eligibility for requests to Savvy to cancel an order will be assessed by our Customer Support team based on a number of factors, including violations of our Terms of Service and/or our Community Standards, general misconduct, and improper usage of the Savvy delivery system. See below for Order specific eligibility.
• Completed orders may be cancelled, upon review of our Customer Support team, up to 14 days after the order is marked as complete. Please be advised that orders cannot be partially cancelled (i.e. we can only cancel the entire order when it is justified).
• In rare circumstances where we find it appropriate, our Customer Support team may cancel a completed order even after 14 days have passed from its completion. In such cases, the amounts paid for the cancelled order will be returned to the Buyer’s Savvy Balance and will be deducted from the Specialist’s Savvy Balance or, if there are no sufficient amounts in the Specialist’s Savvy Balance, from future revenues of such Specialist.
• Orders are not eligible to be cancelled based on the quality of service/materials delivered by the Specialist if the service was rendered as described in the Gig Page. Buyers may rate their experience with the Specialist on the Order Page, including the overall level of service quality received.
• Any non-permitted usage of Savvy encountered during an Order, after being reviewed by our Customer Support team, may result in the order being cancelled. This includes, but not limited to; harassment, unlawful behaviour, or other violations of Savvy’s Terms of Service.
• Savvy Customer Support will cancel orders based on, but not limited to, the following reasons:
  • Active Orders(after the Buyer submits their requirements and before the Specialist delivers on Savvy)
    • The Specialist is late and unresponsive for more than 24 hours while the order is marked as Late.
    • Users are abusive towards the other party through threats of low ratings or leveraging order materials (such as logins, personal information) against each other.
    • Users supplied or included copyright/trademark infringing materials as part of the Buyer requirements or the Specialist’s delivery.
    • The user is no longer an active Savvy user due to Terms of Service violations or closure of their account.
  • Submitted Orders(after the Specialist clicks Submit Now and before the order is marked as complete)
    • The Specialist uses the Delivery system to extend the delivery due date to complete the requested service without providing the final delivered service to Buyers. Note: Multiple reported offenses will result in permanent suspension of your account.
    • The Specialist delivers no files and/or proof of work related to the agreed upon order requirements. Note: Subjectivity of the materials in question will be reviewed by our Customer Support team.
    • The Specialist requests additional payments, on or off the Savvy platform, by withholding the final delivery of services directly related to the agreed requirements.
    • The Specialist is withholding the final delivery of services for improved ratings.
    • Buyers who abuse the Request Revisions button to gain more services from Specialists beyond the agreed requirements.
    • Buyers who threaten to leave a damaging review to gain more services from the Specialist not related to the agreed requirements.
  • Completed Orders(after the order is marked as complete and before the 14 day limitation)
    • Users who have been reported to use copyright/trademark infringing materials after verification and with proof.

• Savvy does not automatically refund payments made for cancelled orders back to your payment provider. Funds from order cancellations may be returned to the Buyer's Savvy Balance or Bank Account.
• In case of any special circumstances, our Customer Support Team will be available to help with the matter.

In certain instances, Savvy may offer you Balance (“Savvy Points” or “Balance”), either for promotional purposes or otherwise, to be used for purchasing Gigs and/or other services offered on the Site. Your available Credit balance will appear in your account. Your valid Savvy Points will be automatically applied to your next purchase and can be viewed in your order summary after you place the order. Unless stated otherwise, Savvy Points expire following twelve months from their receipt. Savvy Points serve only as an incentive to use Savvy, and, therefore, are not redeemable for cash, have no cash value and are non-refundable. Savvy Points may be subject to additional conditions and restrictions as will be disclosed to you upon receipt of the Balance. Balance may be voided in the event of fraud, misuse, or violation of these Terms. Savvy reserves the right to modify or cancel the Savvy Points program at any time. If you or Savvy deactivate or suspend your Savvy account, any unused Savvy Points in your account will be forfeited.