Acceptable Use Policy

1. Purpose

This Acceptable Use Policy (“AUP”) sets out the standards of conduct we expect from all users of AjoCircle. It forms part of our Terms of Service.

AjoCircle exists to enable trusted savings circles for the diaspora community in the UK. The platform is built on trust between members. Misuse of the platform undermines that trust and harms real people who are relying on their contributions being made on time. We take violations of this policy seriously.

2. Prohibited Uses

You must not use AjoCircle for any of the following purposes:

Financial crime

• Using AjoCircle to launder money, finance terrorism, or engage in any other financial crime
• Creating circles that have no genuine savings purpose
• Using stolen, fraudulent, or unauthorised payment methods
• Structuring transactions to avoid reporting obligations

Identity fraud

• Providing false, misleading, or fabricated identity information during registration or verification
• Impersonating another person or using a false name
• Creating more than one account on AjoCircle
• Assisting another person to circumvent identity verification

Platform abuse

• Attempting to circumvent our KYC (Know Your Customer) or AML (Anti-Money Laundering) controls
• Reverse engineering, decompiling, or attempting to access source code
• Using automated tools, bots, or scripts to access or scrape the platform
• Deliberately overloading or interfering with platform infrastructure
• Exploiting bugs or vulnerabilities rather than reporting them responsibly

Harm to other users

• Harassing, threatening, or intimidating other circle members
• Sharing another member's personal information without their consent
• Deliberately defaulting on contributions knowing it will harm other members
• Manipulating the payout order election process through coercion or deception

Eligibility violations

• Using AjoCircle if you are under 18 years of age
• Using AjoCircle if you are not a resident of the United Kingdom
• Using AjoCircle if you are subject to financial sanctions or prohibited from using financial services

3. Consequences of Violation

Violation of this policy may result in one or more of the following actions, at our sole discretion:

• Immediate suspension of your account pending investigation
• Permanent ban from the AjoCircle platform
• Removal of your access to any active circles, including forfeiture of any future payout entitlement
• Referral to the National Crime Agency (NCA), police, or other relevant authorities
• Civil action to recover losses suffered by us or by other circle members as a result of your conduct
• Notification to other circle members where your conduct directly affects them

Where we suspect criminal activity, we are legally obliged to report it and may be prohibited from informing you that a report has been made (see our AML Policy).

4. Reporting Violations

If you believe another user is violating this policy, or if you become aware of any misuse of the platform, please report it to us immediately at legal@ajocircle.com.

If you discover a security vulnerability or bug in the platform, please report it responsibly to legal@ajocircle.com rather than exploiting or disclosing it publicly. We will acknowledge your report and work to resolve it promptly.

We treat all reports confidentially and will not disclose your identity to the reported user without your consent, except where required by law.