Frequently Asked Questions

Join our WhatsApp group, read the rules, and send a direct message to register. Membership is admin-approved. You will need two guarantors (one family member, one trusted friend).

We offer daily (50 days), weekly (10–20 weeks), bi-weekly (10–20 weeks), monthly (10 months), and yearly (12 months) plans. Contributions range from ₦1,000 to ₦10,000,000. See our Savings Packages page for details.

Daily Ajo: next day after full payment. Weekly: every Sunday. Monthly: last day of the month. No early payout. Requests are ignored. Early payout only at admin discretion.

Late payment attracts a late fee per day (as stated by admin). No payment, no collection—unpaid amounts including penalties must be settled before you can collect. Repeated late payments (more than twice) may lead to last position or removal.

Two guarantors (one family member, one trusted friend) are mandatory. They may be contacted if you are unreachable, default, or fail to meet obligations. Refusal to provide guarantors means no participation.

Withdrawal is not allowed after the cycle begins except in exceptional admin-approved cases. If you withdraw before payout, you get only the contributed amount minus admin deductions at end of circle. If you already collected, you must complete remaining contributions.