Welcome to CashVault

💰 Escrow & Payments

1. Escrow funds move to the seller only when both parties approve.
2. Bank transfer deposits are credited after admin verification.
3. Withdrawals are processed after admin approval.
4. Your Money PIN is your responsibility — never share it.
5. KYC is required before first deposit and before joining Ajo groups.
6. Disputes are resolved by admin; decision is final.
7. Silent funded deals auto-release after 14 days.
8. Current escrow fee: 0%. Changes announced in advance.

🤝 Ajo / Susu Group Savings

9. Enrollment order determines claim order — first in, first paid.
10. Your claim: 70% instant, 30% Protection Hold that returns with each on-time contribution.
11. Late contributions: ₦100/day penalty (capped at 3 days). Penalties fund token rewards.
12. On-time rounds earn 100 tokens. 1,000 tokens = ₦500 (from Penalty Pool).
13. No pay, no claim — missed deadlines send you to the back of the line.
14. Exit before claiming = refund of contributions (not penalties). After claiming = no exit.
15. The Ajo pot is the actual collected amount — we never promise money we don't hold.
16. Ajo receipts are visible to group members — transparency protects everyone.

⚖️ General

17. Fraud or abuse = suspension and dispute review.
18. Test Mode balances are simulated.