Last updated: July 2026 · MyAjoNg Enterprises (RC 9668772)
These Terms of Use ("Terms") govern your access to and use of MyAjo, a savings platform operated by MyAjoNg Enterprises ("MyAjo," "we," "us," or "our"), accessible via WhatsApp, USSD, and myajo.com.ng. By registering for or using MyAjo, you agree to these Terms. If you do not agree, please do not use the service.
MyAjo is a digital savings platform that allows users to make regular contributions toward a savings goal over a period they choose. Funds contributed through MyAjo are held in accounts provided by a licensed banking partner. MyAjo is not itself a bank and does not hold customer funds directly.
To use MyAjo, you must be at least 18 years old, a resident of Nigeria, and able to provide accurate identification information, including your Bank Verification Number (BVN), as required for identity verification by our banking partner.
You choose a daily contribution amount and a savings duration when you register. Contributions are recorded when received through your official MyAjo WhatsApp number or MyAjo USSD code only. Any payment made through any other channel, including cash handed to any individual, is not recognised by MyAjo and cannot be tracked, credited, or refunded.
MyAjo charges a fixed commission on completed savings plans, based on the daily savings tier you select. The exact fee for your tier is shown to you and locked in at the time you set up your plan, and does not change during your savings cycle.
Withdrawals become available after a minimum holding period disclosed at sign-up. You may request a full or partial withdrawal at any time after this period, subject to the fee structure disclosed within the app at the time of your request. Completing a full savings cycle without early withdrawal may qualify you for reduced or waived fees, as described in your plan.
We may freeze or suspend your account where we suspect fraud, a breach of these Terms, or where required by our banking partner or applicable law. You may request to freeze your own account at any time by using the FREEZE command.
MyAjo works to keep the platform accurate and reliable, but does not guarantee uninterrupted service. We are not liable for losses arising from your failure to follow these Terms, including contributions made outside official MyAjo channels.
We may update these Terms from time to time. Continued use of MyAjo after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Federal Republic of Nigeria.
Questions about these Terms can be sent to hello@myajo.com.ng or by calling +234 802 970 8278.