Terms of Service

1. About NairaCircle

NairaCircle is a digital platform designed to help people organise and participate in community savings circles. The service may provide tools for creating circles, inviting members, tracking contributions, managing payout information, receiving notifications, and completing identity verification where applicable.

2. Accepting these terms

By accessing or using NairaCircle, you agree to these Terms of Service and any additional terms or policies that are clearly identified as applying to the service.

If you do not agree with these terms, you should not use NairaCircle.

3. Eligibility

You must provide accurate information when creating or using an account and must be legally permitted to use the service in your location.

If you use NairaCircle on behalf of another person or organisation, you confirm that you have the authority to do so.

4. Your account

You are responsible for keeping your account information accurate and for protecting your login credentials and devices from unauthorised access.

You should notify NairaCircle promptly if you believe that your account has been accessed or used without your permission.

5. Savings circles

NairaCircle provides tools that help members organise community savings arrangements. Circle members are responsible for understanding and agreeing to the contribution amount, contribution frequency, membership arrangements, payout order, and other terms applicable to their circle.

Before joining a circle, you should make sure that you understand its contribution and payout arrangements.

6. Contributions and payouts

Information displayed by NairaCircle about contributions, balances, payout positions, or circle activity is intended to help members understand the status of their circle.

You remain responsible for making contributions that you have agreed to make and for complying with the rules of circles you join.

Where payments or payouts are processed through third-party payment or financial service providers, additional terms from those providers may apply.

7. Identity verification

Certain features may require identity verification. You agree to provide information that is accurate, current, and reasonably required for the applicable verification process.

Verification information may be processed by NairaCircle and, where applicable, authorised third-party verification providers in accordance with the NairaCircle Privacy Policy and applicable terms.

8. Acceptable use

You agree not to misuse NairaCircle or use the service for unlawful, fraudulent, deceptive, abusive, or unauthorised activities.

• Do not provide false or misleading information.
• Do not impersonate another person or organisation.
• Do not attempt to gain unauthorised access to another account or part of the service.
• Do not interfere with the security or normal operation of NairaCircle.
• Do not use the service to facilitate unlawful or fraudulent activity.

9. Circle member responsibilities

Members are responsible for communicating clearly with other members of their circles and for following the arrangements agreed upon by the group.

You should not share another member's personal information outside the circle or use information displayed within NairaCircle for purposes unrelated to the circle or service.

10. Service availability

We aim to keep NairaCircle available and reliable, but we do not guarantee that the service will always be uninterrupted, error-free, or available at every time or location.

Maintenance, updates, technical issues, third-party service interruptions, network problems, or other circumstances may temporarily affect availability.

11. Third-party services

NairaCircle may rely on third-party providers for services such as identity verification, payments, communications, hosting, analytics, or other infrastructure.

Your use of third-party services may also be subject to those providers' own terms and privacy policies.

12. Intellectual property

NairaCircle and its associated branding, designs, software, content, and other materials are owned by or licensed to the relevant rights holder unless otherwise stated.

You may not copy, modify, distribute, sell, or commercially exploit NairaCircle content or branding without appropriate permission.

13. Suspension or termination

Access to NairaCircle may be restricted, suspended, or terminated where reasonably necessary, including where there is suspected fraud, abuse, unlawful activity, a serious violation of these terms, or a security concern.

Where appropriate, we may provide notice before taking action, subject to security, legal, or operational requirements.

14. Disclaimers

NairaCircle provides technology and organisational tools for community savings. Information provided through the website or service should not be treated as personal financial, legal, or investment advice.

You are responsible for considering whether a savings circle is appropriate for your circumstances and for understanding the arrangements of any circle you join.

15. Limitation of liability

To the extent permitted by applicable law, NairaCircle will not be responsible for losses arising from circumstances outside its reasonable control, including interruptions to third-party services, network failures, unauthorised access caused by compromised user credentials, or actions taken by other circle members.

Nothing in these terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited.

16. Changes to these terms

We may update these Terms of Service from time to time to reflect changes to NairaCircle, legal requirements, security practices, or other operational needs.

When appropriate, we will provide notice of material changes. The updated terms will become effective on the date stated in the updated version.

17. Governing law

These terms are intended to be governed by the laws applicable to NairaCircle and its users, subject to any mandatory rights or protections that apply under applicable law.

The final governing-law and dispute-resolution provisions should be reviewed and completed with appropriate legal advice before the service is launched publicly.

18. Contact

If you have questions about these Terms of Service, contact NairaCircle through its official support or contact channel.