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Frequently asked questions
Plain-language answers about savings circles, payouts, verification, and privacy for your group. Still stuck? Contact us.
About savings circles
Wetin be savings circle?
Savings circle na trusted group wey dey save together on schedule, often with shared payout order so each member go receive their turn. AjoPak dey built to help your group stay organized: who dey inside the circle, wetin dey due, and wetin don already happen — without replacing the relationships and rules wey you already dey rely on.
How many people fit dey inside savings circle?
Circle size depend on wetin your group agree on. There be no universal rule. Smaller circles (4–10 people) tend to complete faster and e dey easier to coordinate. Larger ones fit work well too, especially for organized associations wey get clear rules. AjoPak dey designed to work at both scales.
I fit dey inside more than one circle at same time?
Yes. Some members dey run or participate for multiple circles for different groups, goals, or timelines. Each circle dey operate independently with its own members, schedule, and payout order.
Wetin go happen when circle complete?
When every member don receive their payout turn, the circle dey considered complete. Your group fit choose to start new cycle with fresh circle, adjust the terms, or wrap up entirely. The history go still remain visible so you get record of the completed cycle.
Using AjoPak
How payouts dey work?
Payout order and timing depend on the rules wey your group agree on. AjoPak dey help you track contributions and communicate wetin dey next, but e no dey guarantee settlement speed or outcomes. That still dey follow your group's plan and how members dey pay.
I fit change the payout order after circle don start?
Changes to payout order after circle don begin dey affect the expectations of every member, so this na group decision, not something one person go control. AjoPak dey reflect wetin your group agree on. If your group decide to adjust the order, dem suppose communicate am clearly to all members.
Wetin if I need to leave circle?
Leaving mid-circle dey affect the rest of the group, so this na something to discuss openly with your members first. AjoPak no dey automate exits or enforce penalties. Your group's agreed rules dey apply. If you need to step away, we go recommend say you talk to your group organizer as early as possible.
Money & trust
Wetin if somebody miss contribution?
Before circle start, every member agree to dispute resolution process, so there don already be shared plan if somebody fall short. The app dey track payment status so everybody go get same picture. Any member fit raise concern through the report mechanism; the person involved go get chance to explain before anything escalate. If late payment eventually resolve, e go affect the member's AjoPak Score. Persistent non-payment go lead to platform-wide block. AjoPak no dey provide legal or financial advice, but the structure dey designed to help your group act early and act together.
Why dem sometimes require identity verification?
All groups want confidence about who dey join the circle. Verification steps fit help members recognize who dem dey save with. AjoPak insist on ID verification. Extra requirements depend on your group's settings and policies.
Who fit see payment information?
Information suppose be visible to people wey dey your group so everybody fit stay aligned, not public on the open web. For specifics about data use and retention, see our Privacy Policy.
How I go know say my information safe?
We dey take data seriously. Information wey dem share within circle na for your group: not for advertising, not for sale. For full details on wetin we collect, how we store am, and your rights, see our Privacy Policy.
Ready when your group ready
Open the app, or grab am from your store, whatever fit your circle best.