Terms of
Service

1. Introduction and Acceptance

Welcome to NjangiBase ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our platform, website, and services. By accessing or using our services, you agree to be bound by these Terms.

NjangiBase provides community finance, mutual aid, governance, and member-support tools for associations. Network mutual aid services provide solidarity support during times of need through crowdfunding-based campaigns.

2. Definitions

• "Member" means an individual approved for membership in NjangiBase.
• "Association" means an independent member-led group, such as a club, community group or house of faith, that uses NjangiBase. Each association governs itself and is not a branch of NjangiBase. An association may apply to take part in the NjangiBase mutual aid network.
• "Campaign" means a solidarity fundraising effort for an eligible member.
• "Contribution" means financial support provided to campaigns.
• "Zone" means the economic classification (A, B, or C) based on country of residence.
• "Waiting Period" means the initial 90-day period after membership approval during which benefit eligibility is deferred.

3. Nature of Our Service

Our platform facilitates community solidarity through crowdfunding. Benefits are not guaranteed and depend on community participation and available funds. NjangiBase does not guarantee any specific outcome or amount for any campaign.

Campaign types include death or repatriation support, medical emergencies, educational scholarships, and disaster relief. Each campaign type has specific eligibility requirements and target amounts based on the beneficiary's zone.

4. Membership Eligibility and Requirements

To be eligible for membership, you must be at least 18 years old, provide accurate personal information and supporting documents, belong to an active association that takes part in the NjangiBase network, and accept these Terms and our Privacy Policy.

Membership requires two steps: your association's president confirms that you belong to the association, then NjangiBase administration reviews and decides on your application. Approval is not guaranteed and is subject to verification and compliance with membership requirements.

New members are subject to a 90-day waiting period during which they are not eligible to receive campaign benefits. This period allows members to demonstrate commitment through regular participation and contributions.

5. Member Obligations

As a member, you agree to:

• Provide truthful and accurate information in all submissions
• Keep your contact information and profile up to date
• Participate in solidarity campaigns according to your association requirements
• Respond to contribution obligations in a timely manner
• Avoid fraudulent or misleading campaign requests
• Respect other members and maintain the dignity of the community
• Comply with association operating rules and network policies

6. Zone-Based Contribution System

NjangiBase uses a three-zone system to support economic fairness across participating communities:

Campaign targets and contribution obligations are calculated with these zone rates to account for economic disparities across regions.

7. Campaign Rules

To be eligible for campaign benefits, members must have completed the 90-day waiting period, be in good standing with their association, have met contribution obligations for previous campaigns, and have no active campaigns already in progress except emergencies.

All campaign requests must be submitted through the official platform with complete documentation. False or misleading information in campaign submissions may lead to immediate membership termination and legal action.

Campaigns are reviewed by NjangiBase administrators, who may approve, reject, or request additional information. NjangiBase reserves the right to reject any campaign at its discretion.

8. Association Operations

Associations are responsible for collecting contributions from their members. The collection method, such as cash, mobile money, or bank transfer, is determined by each association. NjangiBase tracks obligations at association level; internal member-level collection is the association's responsibility.

Each association that takes part in the network must meet minimum membership requirements based on its zone and maintain active participation in the network to remain in good standing.

9. Intellectual Property

The NjangiBase platform, including its design, logos, content, and software, is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

10. Prohibited Activities

You agree not to:

• Submit false or fraudulent campaign requests
• Impersonate another person or misrepresent your eligibility
• Use the platform for money laundering or other illegal activities
• Harass, threaten, or abuse other members
• Attempt to circumvent security measures or access unauthorized data
• Share your account credentials or allow unauthorized access
• Use automated systems to access the platform without permission

11. Suspension and Termination

NjangiBase may suspend or terminate your membership for violations of these Terms, failure to meet contribution obligations, fraudulent activity, or other conduct detrimental to the community. Terminated members forfeit pending benefits and may be required to repay funds received under false pretenses.

You may request to terminate your membership at any time, subject to settling any outstanding obligations.

12. Disclaimers and Limitations

To the maximum extent permitted by law, NjangiBase shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the platform or participation in the network.

13. Dispute Resolution

Any disputes arising from these Terms or your use of the platform shall first be addressed through NjangiBase's internal dispute resolution process. If unresolved, disputes may be submitted to mediation. These Terms are governed by the laws of the jurisdiction where NjangiBase is registered.

14. Changes to Terms

NjangiBase reserves the right to modify these Terms at any time. We will notify members of material changes by email and platform notifications. Continued use of the platform after changes take effect constitutes acceptance of the modified Terms.

15. Contact Information

For questions about these Terms or our services, please contact us: