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.

Contributing to a pool is a real, PIN-confirmed debit from your OurMoni wallet into the pool's shared balance — it's what counts toward your own withdrawal limit below.

A member may request a withdrawal only up to the percentage of their own contribution set when the pool was created.

Withdrawal requests need approval from other members under the pool's own approval policy (unanimous, majority, or a custom threshold) before they're approved.

Each member's contribution is tracked individually; a pool's shared balance is the sum of every member's contribution.

How disagreements over a withdrawal decision are escalated beyond member voting is pending confirmation.