Terms of Service

Use of Services

QIBMAUZ Technology provides digital tools for schools, businesses, and community organizations. Naija Ajo is provided as a contribution group coordination and record-keeping platform.

Naija Ajo Platform Role

Naija Ajo helps trusted groups coordinate contribution activities, track member participation, verify payment records, manage payout workflows, and maintain activity history. Group administrators and members remain responsible for their own group agreements and participation decisions.

No Investment or Lending Service

Naija Ajo is not an investment platform, lending platform, savings and investment scheme, wealth creation platform, wealth management service, or provider of guaranteed financial returns.

Payments

Payments are processed through licensed third-party payment providers. Naija Ajo coordinates records, contribution tracking, payment status references, and payout workflows.

User Responsibilities

Users agree to provide accurate information, use the services lawfully, keep account access secure, and respect the agreements of any contribution group they join or administer.

Contact

Questions about these terms can be sent to qasimibnfasasi@gmail.com.