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.

Final eligibility requirements (minimum age, residency, identity verification level) are pending confirmation.

You're responsible for keeping your login details and transaction PIN confidential.

You agree to provide accurate information during signup and verification.

Don't use OurMoni for unlawful activity, fraud, or to circumvent verification requirements.

Organizer Groups must accurately record external payments and not misrepresent manually recorded payments as verified wallet transactions.

OurMoni provides Personal Savings, Ajo Circles, Friendship Pool, Project Savings, a wallet, and Organizer Group management tools.

Wallet funding, Send (wallet-to-wallet transfers), and wallet-funded contributions across every savings product are real, ledger-backed transactions, each confirmed with your transaction PIN — not a simulated value on your screen. Wallet funding currently runs through Paystack in test mode only, so no real-world bank money is involved yet.

Withdrawing to a real bank account is not available yet — see Withdrawals & Cancellations.

OurMoni is provided on an as-is basis during this development phase, with no uptime or availability guarantee.

Grounds for account suspension or closure, and the appeals process, are pending confirmation.

Applicable jurisdiction is expected to be Nigeria, subject to final legal review.