Welcome to the AJO Savings Circle running from January 2026 to December 2026 with 12 verified participants.
To protect everyone, all participants must read the ground rules, complete verification, and pay a one-time admin fee before being added to the WhatsApp group.
1️⃣ No stand-ins or third parties Only the registered participant may contribute or collect funds. AJO slots are not transferable.
2️⃣ Responsibility after collection Once you collect your AJO slot, full responsibility for the funds rests with you. The group will not replace or redistribute lost funds.
3️⃣ Payment deadline All monthly contributions must be paid on or before the last day of each month so the scheduled participant can receive their payout on time.
4️⃣ No renegotiation after start Once the AJO cycle begins, slots, amounts, and rules cannot be changed.
5️⃣ Identity verification required All participants must complete verification and consent before WhatsApp access is granted.
6️⃣ Admin authority Admin decisions based on these rules and group consensus are final.