Money App

1. Introduction

This Terms and Conditions Agreement (hereinafter referred to as the "Agreement") constitutes a legally binding contract between you (hereinafter referred to as the “User”) and the OJUJU App (hereinafter referred to as the “Platform” or “the App”), owned and operated under the laws of the Federal Republic of Nigeria.

The App is a multi-functional, socio-economic digital utility platform designed to connect Users for safety, commercial, educational, and social purposes. By downloading, installing, accessing, or using the App, the User acknowledges that they have read, understood, and unconditionally agree to be bound by all the terms, covenants, and obligations set forth herein.

PLEASE READ THIS AGREEMENT CAREFULLY. CONTINUED USE OF THE APP CONSTITUTES ACCEPTANCE OF THESE TERMS.

2. Structure and Scope of the Application

The App comprises seven (7) functional modules, hereinafter referred to as “Tabs” or “Arenas,” as follows:

Safety Arena
Buying and Selling Arena
Name Your Price Arena
Jobs, Rent & Hotel Booking Arena
Dollar-Earning Tutorial Arena
General Tutorial Arena
City-to-City Male-to-Female Connection Arena

Each of the above modules shall be subject to its specific operational terms, without prejudice to the general provisions herein.

3. General Terms of Use

Users must be at least 18 years old and possess full legal capacity to enter into binding agreements.
The Platform reserves the right to suspend, terminate, or restrict access to any User who is found in breach of any provision of this Agreement.
The User agrees that all interactions on the App shall be for lawful purposes only, in accordance with the laws of the Federal Republic of Nigeria.
Payments made within or through the Platform shall be conducted via verified personal banking applications. Third-party or unauthorized payment methods are strictly prohibited.

4. Module-Specific Terms and Conditions

A. Safety Arena Tab

Users shall provide accurate and verifiable personal data, including full legal names at registration.
Users are obligated to input truthful and real-time movement logs for safety tracking.
Consent must be obtained from any individual listed as a “Trusted Buddy” prior to their inclusion.
The public safety verification tool shall be used solely for legitimate verification purposes.
Any security concerns must be escalated to appropriate law enforcement agencies.
Trusted Buddies agree to use acquired movement data solely for security or emergency purposes.
The App shall retain log data for a period not exceeding thirty (30) days, after which such data shall be permanently deleted.
The Platform shall bear no liability for any misuse or abuse of data by Trusted Buddies.
All payments made in respect of this feature must originate from the User's own authorised banking account.

B. Buying and Selling Arena

Users warrant that all goods and services listed are lawfully acquired and not subject to dispute or encumbrance.
The sale of stolen or unauthorised goods shall be prosecuted under relevant criminal statutes.
No User shall act as an agent or representative of another without lawful authority.
The Platform disclaims all liability regarding the identity or authenticity of sellers; buyers must conduct their own due diligence.
Users shall conduct transactions in public or otherwise safe environments at their own discretion and risk.
Buyers shall demand receipts and confirm the authenticity of items prior to payment.
Fees charged by the Platform are independent of the price of goods/services.
Only authorised banking channels are permitted for transactions. Any deviation shall be at the User’s sole risk.

C. Name Your Price Arena

Terms herein are pari materia with the provisions of Section B above and shall apply mutatis mutandis, with emphasis on:

Legality of goods/services;
Buyer verification obligations;
Platform non-liability for vendor identity or transaction authenticity;
Discretion in pricing negotiations and meeting arrangements;
Exclusive use of authorised financial instruments.

D. Jobs, Rent, and Hotel Booking Arena

Users must input only genuine and verifiable personal or business details.
All Users assume sole liability for engagements resulting from connections made via the App.
Prospective employers agree to perform independent verification and assume liability for employment decisions.
Prospective tenants and guests are required to conduct physical inspections before any monetary commitment.
Users shall be solely responsible for their safety and decisions arising from contacts made through this feature.
Transactions must be processed via legitimate and authorised banking apps.

E. Dollar-Earning Tutorial Arena

This section enables peer-to-peer idea exchange for income generation. The Platform is not a financial service provider.
Users engage at their own discretion and shall assume full responsibility for outcomes.
Activities must conform to all applicable laws and shall not include fraud, pyramid schemes, or unauthorised investments.
The Platform shall not be liable for any losses or disputes arising from interactions under this Tab.
Users must ensure all engagements are for educational purposes only.
Platform fees are not refundable; however, defective files or poor service may be remedied or replaced at no cost.
All payments must be transacted through the User’s personal and authorised bank accounts.

F. General Tutorial Arena

All provisions in Section E shall apply, in addition to the following:

Trainers and trainees must meet in safe, public environments.
The Platform bears no fiduciary or supervisory duty over tutorial engagements.
The Platform is indemnified from all liabilities arising from financial exchanges between trainers and learners.

G. City-to-City Male-to-Female Connection Arena

Users must submit valid, lawful, and truthful information solely for connection purposes.
Users must independently verify the identity and intentions of individuals they engage with.
The Platform disclaims liability for physical, emotional, or financial outcomes arising from such interactions.
Users are encouraged to conduct thorough background checks before engaging in any form of meeting or monetary exchange.
The Platform neither stores nor guarantees full identity disclosures of matched individuals.
Use of the App is entirely at the User’s discretion and risk.
All financial transactions must be conducted via the User’s own authorised banking platform.

5. Data Usage and Privacy Policy

The Platform retains User movement logs and certain activity data for a maximum period of thirty (30) days, after which the data is automatically purged.
The Platform shall not be liable for any data loss following this statutory retention period.
By using the App, Users consent to this data collection and storage policy and waive any claims against the Platform in respect thereof.

6. Limitation of Liability and Indemnity

The Platform provides services on an “as-is” and “as-available” basis without warranties, express or implied.
Users agree to indemnify and hold harmless the owners, developers, and affiliates of the App from any claims, liabilities, damages, or losses arising out of or in connection with their use of the Platform.
The Platform disclaims responsibility for third-party actions or consequences of User interactions conducted through the App.

7. Governing Law and Jurisdiction

This Agreement shall be construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the appropriate courts within the territory of the Federal Republic of Nigeria.

8. Amendments

The Platform reserves the exclusive right to revise, modify, or amend these Terms and Conditions at any time, with or without prior notice. Continued use of the App following such modification shall constitute conclusive acceptance of the revised terms.