This is placeholder draft content written for the current mock version of OurMoni. It has not been reviewed by a qualified Nigerian fintech lawyer, does not reflect final company or regulatory decisions, and must not be treated as legally binding or as proof of compliance.

Organizers are responsible for accurately recording contributions collected outside the app and for managing their group's members and payout schedule.

Group members are contacts the organizer enters themselves — a name, phone and email — not linked OurMoni accounts. They cannot log in, contribute directly, or hold a wallet of their own.

A contribution recorded as cash, POS, bank transfer, or other is not a verified OurMoni wallet transaction — it's the organizer's own record of a payment they say they collected, clearly labelled as such, and only becomes 'approved' once the organizer reviews it separately.

A contribution recorded as "OurMoni wallet" is different: it's a real, PIN-confirmed debit from the organizer's own wallet into the group's pot, representing cash they've physically collected from that member — and is automatically approved, since the ledger transfer is itself the proof.

Organizers may attach a reference or a mock proof-of-payment file name to a recorded contribution; no file is actually uploaded or verified in this version.

Reports generated from organizer-recorded data reflect only what the organizer entered — OurMoni does not independently verify external payments.

A formal dispute process between an organizer and a group member is pending confirmation.