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Terms and Conditions

Last updated: 21 February 2026

Welcome to JJ Trust Finance Limited (“JJTF”, “we”, “us”, “our”). JJTF operates a digital Ajo savings platform that helps individuals and communities save together, track contributions, and receive payouts. (jjtrustfinance.com)

By accessing our website, registering, joining a savings group, booking a consultation, or using any JJTF service (together, the “Services”), you agree to these Terms and Conditions (“Terms”). If you do not agree, do not use the Services.

1) Definitions

  • Platform: Our website and any related tools used to deliver the Services. (jjtrustfinance.com)

  • Member / You: Any person who registers, joins a savings group, or uses the Services.

  • Savings Group / Ajo Group: A group savings circle with agreed contribution amounts, frequency, and payout order. (jjtrustfinance.com)

  • Controller: The person(s) managing a specific group’s coordination/administration within the Platform rules.

2) Eligibility

You must be able to enter a binding agreement under applicable law. By using the Services, you confirm that the information you provide is accurate and belongs to you.

3) Registration and Account Responsibility

When you register, you agree to:

  • Provide correct and complete information (including any verification documents requested).

  • Keep your account details secure and not share access with others.

  • Notify us promptly if you suspect unauthorized access.

We may suspend or restrict access where we suspect fraud, misuse, or false information.

4) What We Provide

JJTF helps coordinate and support digital Ajo savings by enabling:

  • Group creation/joining based on contribution amount and frequency

  • Recording contributions and payouts

  • Reminders and visibility of group records for accountability (jjtrustfinance.com)

We aim to keep contributions and payouts transparent to group members to reduce disputes. (jjtrustfinance.com)

5) Savings Group Rules (Slots, Order, Transparency)

  1. Slot order is based on availability at the time you join; new members are not entitled to an “early slot” unless it is available. (jjtrustfinance.com)

  2. Early slots may be reserved for consistent members (for example, members who have saved consistently for up to a year), based on group/admin discretion. (jjtrustfinance.com)

You agree to follow the group’s agreed schedule and any additional group rules that do not conflict with these Terms.

6) Contribution Deadlines and Payment Timing

Unless otherwise stated for your group, members are expected to pay within the stipulated timeline. JJTF’s published rules include:

(Your specific group may have additional timing requirements.)

7) Missed Payments, Late Fees, and Penalties

To protect group members, we may apply penalties where payments are missed or delayed. JJTF’s stated rules include:

  • A member may be allowed a delayed payment not more than two times (with reasonable excuse), without penalty. (jjtrustfinance.com)

  • If delayed payment happens more than two times, it may attract up to 20% deduction of the amount contributed by the member and the member’s slot may be moved to the last slot. (jjtrustfinance.com)

  • Payments after the stipulated time may attract late fees/default fees, depending on the controller’s discretion and severity. (jjtrustfinance.com)

Important: Penalty application may depend on the group type, circumstances, and what is permitted under applicable law.

8) Withdrawals and Leaving Mid-Cycle

Ajo savings works best when members complete the cycle. JJTF’s published rules include:

  • Abrupt withdrawal mid-cycle without substantial reasons may attract up to 50% deduction of the amount contributed as compensation for disruption it may cause. (jjtrustfinance.com)

Where possible, we encourage members to communicate early with the controller to explore alternatives.

9) Payouts

Payouts are typically made on your scheduled turn or at the end of the cycle, depending on your group structure. (jjtrustfinance.com)
You agree that payout timing can be affected by factors such as member compliance with contributions, verification requirements, and operational processing.

10) Verification (KYC) and Document Uploads

We may require identity verification and supporting documents (such as ID and photographs) to:

  • confirm identity,

  • reduce fraud,

  • protect group members and the Platform.

If you fail verification or provide misleading information, we may suspend your account or restrict participation.

11) Consultations

JJTF may offer savings consultations via the Platform. (jjtrustfinance.com)
Consultations are guidance and do not guarantee specific financial outcomes. You remain responsible for your financial decisions.

12) Prohibited Use

You agree not to:

  • Use the Services for fraud, impersonation, or illegal activity

  • Harass, threaten, or abuse other members

  • Upload malware or attempt to disrupt the Platform

  • Submit false documents or information

We may report suspected illegal activity to relevant authorities.

13) Intellectual Property

All website content (logos, text, visuals, and branding) belongs to JJTF or its licensors and may not be copied or reused without permission.

14) Disclaimers

  • The Services are provided on an “as-is” basis.

  • While we aim for accurate records and smooth payouts, no system is error-free.

  • Where we use third-party providers or regulated financial partners, their systems and rules may also affect service delivery. (jjtrustfinance.com)

15) Limitation of Liability

To the maximum extent permitted by law, JJTF will not be liable for:

  • indirect, incidental, or consequential losses,

  • losses caused by member default within a group,

  • delays caused by factors outside our reasonable control (including service providers, network issues, or verification delays).

Where liability cannot be excluded, it will be limited to the minimum allowed by law.

16) Suspension and Termination

We may suspend or terminate your access if you:

  • breach these Terms,

  • present fraud/identity risk,

  • misuse the Platform,

  • repeatedly default on group obligations.

You may stop using the Services at any time, subject to any outstanding group obligations and applicable withdrawal rules.

17) Changes to These Terms

We may update these Terms occasionally. When we do, we’ll update the “Last updated” date above. Continued use means you accept the updated Terms.

18) Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, and disputes will be handled in the appropriate Nigerian courts, unless otherwise required by law.

19) Contact Us

For questions about these Terms, contact:
Email: jjtrustfinancelimited@gmail.com (jjtrustfinance.com)
Phone: +234 8101228605 (jjtrustfinance.com)
Location: Ibadan, Nigeria (jjtrustfinance.com)

JJ Trust Finance privacy policy

Patiently read the privacy and Policy below carefully

Below codes ethics and conduct shall by apply to all participants in this organization.

1. There must not be any form of excuse for delay or postponement of payment within the stipulated time frame of 8:30am on every occasion of payment.

2. Any new comer or member must know that he or she has no right to early slot asides the available slots as at the point joining.

3. Privilege for early slots shall strictly be for consistent members who have spent up to a year and consistency in his or her payment.

4. You’re only privileged to have a delay in payment not more than two times without penalty attraction with reasonable excuse and genuine reason.

5. Any form of delay in payment more than two times as it has been stipulated in article (4) shall warrant or attract 20 percent deduction of the money contributed by the concerned person and slot will be shifted down to last slot.

6. On every payment or cash out day, the deadline time for every participant shall be 4:00pm.

7. It is highly imperative for every member to know that a sudden or abrupt withdrawal of member at the middle of contribution of JJ TRUST FINANCE LIMITED without any substantial or pertinent reasons for doing so will definitely attract 50 percent deduction in the money contributed as compensation damage that it might cause.

N.B

 

Any payment after the stipulated time shall attract a late fees and default fees depending on the discretion of the controller and the gravity of it…