Terms of Service

Using Kolo

Kolo is a tracking and payments layer for rotating group-savings circles (ajo, esusu, susu). It records who has contributed and who is next in line to receive the pool. Kolo does not hold your money — funds move through Stripe directly between members' accounts.

Your responsibilities

You are responsible for keeping your login credentials safe. You are responsible for every action taken under your account. Email us at support@joinkolo.app if you suspect unauthorised access.

Group rules

Every group sets its own contribution amount, frequency, and payout order at creation. Members agree to those rules when they join. If a member falls behind, Kolo surfaces reminders and lets the admin flag them as delinquent. Debt-settlement between members is off-platform.

Payments

All card processing and payouts are handled by Stripe (or Flutterwave for supported countries). Kolo doesn't add fees on top of the processor.

Termination

You can leave any group anytime through the app. Cycles that already paid out to you are treated as closed. Contact support for edge cases.

Contact

Questions? Reach us at support@joinkolo.app.