Terms & Conditions

AjoQuest is owned and operated by Niyexdroid Technologies, a business name registered with the Corporate Affairs Commission (BN 3503933), Iba Housing Estate, Ojo, Lagos, Nigeria. These terms are the agreement between you and us when you use AjoQuest. Our Privacy Policy explains how we handle your personal data. If you don't agree with these terms, please don't use AjoQuest.

• You must be 13 or older. If you are under 18, savings features stay locked until a parent or guardian approves.
• Give true details: your real name, phone number and date of birth. Payouts only go to a bank account that matches your verified identity.
• One person, one account. Keep your password and login codes to yourself; you are responsible for what happens on your account.
• We may ask you to verify your NIN and take a selfie before you save, withdraw or collect a payout.

• A target savings plan has a lock date. Breaking a plan before its date costs an early break fee, shown before you confirm.
• In a family plan, members vote before money leaves the group; in a cooperative, officers approve withdrawals and loans. In a rotating ajo or esusu, payouts follow the order shown in the group.
• If you join a rotating group, you agree to pay every contribution on time until the rotation ends, including after you have collected your payout. Late or missed payments can attract a late fee and lower your AjoScore.
• Organizers set up groups and invite members. AjoQuest runs the platform but is not a party to the agreement between group members.
• AjoQuest is a savings and contribution platform, not a bank, and we do not lend money. Dividends or plan income, where a plan has them, are paid only as the app shows.

• Deposits and withdrawals are processed by our payment partner, Flutterwave.
• Our fees (for example on deposits, withdrawals and early breaks) are shown in the app before you confirm. We tell you before any fee changes.
• Withdrawals go only to the bank account saved on your profile. Check it carefully; we can't recover money sent to account details you gave us by mistake.
• If you see a payment you don't recognise, open a support ticket straight away.

• Points, badges, streaks and your AjoScore are earned as the app describes. They can't be sold or transferred.
• Play fairly: no bots, scripts, shared answers or multiple accounts. We can remove points earned unfairly or by mistake.

• Use AjoQuest for fraud, money laundering, or any other illegal purpose.
• Pretend to be someone else, or use another person's identity, NIN or bank account.
• Try to break, overload or get around the security of the service.
• Harass, threaten or mislead other members.

We can suspend or close an account that breaks these terms, or to protect members or follow the law. Where we can, we tell you why. Suspension blocks access; it does not take your money. We return what you are owed once any investigation is finished.

You can close your account at any time from your Profile page once you have no money in plans and no payout waiting. Your account is frozen for 30 days, during which you can change your mind, and then your personal data is deleted as described in the Privacy Policy.

• We work to keep AjoQuest running and your money safe, but the service may sometimes be unavailable, for example during maintenance or when a partner is down.
• We are not responsible for losses caused by things outside our control, by other members failing to pay, or by information you gave us that was wrong.
• Nothing in these terms limits rights you have under Nigerian consumer protection law.

If we change these terms in a way that affects you, we update the date above and ask you to accept the new version before you continue using AjoQuest.

These terms are governed by the laws of the Federal Republic of Nigeria. Questions or complaints: admin@niyexdroidtechnologies.com or 0816 881 9022.

AjoQuest (Niyexdroid Technologies) runs the platform. The person who starts a campaign is the fundraiser: AjoQuest is not, and does not take part in, any campaign.

• We check every campaign before it goes live, but we can't guarantee that the money is used as the campaign describes.
• AjoQuest keeps a fee of 1.1% of what a campaign receives. It is taken once, when the campaign is paid out.
• Our payment partner, Flutterwave, keeps a small charge on each gift. The campaign page shows how to cover it.
• Gifts can't be refunded, except when we cancel a campaign because of fraud or a broken rule. Then we send every gift back to the person who gave it, less Flutterwave's charge on that gift and our 1.1% fee. Neither fee is returned when a campaign is cancelled.
• We can pause (freeze), cancel and refund any campaign we believe is false, misleading or against these terms.
• By starting a campaign you confirm that your story is true, that the money is yours to receive, and that you will use it as described.
• When a campaign ends, what it received, less our fee, is paid to the bank account on the creator's profile at the time it was submitted.