terms of use

1. about these terms

These terms are an agreement between you and Joygiver (“Joygiver”, “we”, “us”), based in Lagos, Nigeria. They cover joygiver.app, the waitlist, and (once they launch) the Joygiver apps and list pages, together the “service”. By using the service you agree to them. If you don’t agree, please don’t use it.

Our privacy policy and refund policy form part of these terms.

2. the waitlist

• Joining is free. You give us a Nigerian mobile number that you own or are allowed to use.
• We’ll text you when Joygiver launches and may send a few short updates before then. Reply STOP or email us to stop them.
• Joining doesn’t reserve a username or link, guarantee access on a particular date, or create an account. If we offer early access or reserved links, we’ll explain how it works at the time.
• The WhatsApp group is a community space. Be kind; no spam, scams, hate or harassment. We may remove anyone who breaks these rules. Messages in the group are visible to other members, so don’t share bank details or other private information there.

3. your account (after launch)

• You must be at least 18, or use Joygiver through a parent or guardian who manages the list.
• Give accurate information and keep your phone number and PIN secure. You’re responsible for activity on your account.
• Before your first withdrawal you’ll verify your identity once with your BVN or NIN. Payouts only go to a bank account in your own name, and the name on your list must match it.

4. lists and wishes

• You can make lists for any genuine moment: birthdays, weddings, trad and intro ceremonies, new babies, namings, japa, graduations, new homes, causes and more.
• Wishes can be items from the Joygiver shop, cash funds (with or without a goal), or a single product from another store, which becomes a cash wish that you buy yourself. Links to whole carts, wishlists or store pages from other sites aren’t accepted.
• Be honest about what a list is for. For cause lists, the money must go to the cause described, and you should post updates to the people who gave.
• You keep ownership of what you post (photos, notes) and give us permission to show it to the people you share your list with, so we can run the service.

5. gifts, fees and payouts

• Guests pay ₦0 in fees. They pay by bank transfer, card or USSD through our licensed payment partners.
• No withdrawal fee. Joygiver covers the bank transfer cost when you withdraw.
• Shop cash-out fee: 3%. If a gift from the Joygiver shop is caught and you choose cash instead of the item, we deduct 3%.
• Joygiver shop prices are set per product and shown before anyone pays. Delivery is handled by Joygiver and our suppliers.
• Secret gifts. A giver can hide their name from the list owner and other guests. Joygiver still keeps a private record of who gave and how they paid, for safety, refunds and fraud prevention, and may share it where the law requires.
• Gifts are voluntary. Once a gift reaches a list it belongs to the list owner, subject to our refund policy.

6. what you can’t do

Don’t use Joygiver to:

• deceive people, for example a fake emergency, a moment that isn’t real, or pretending to be someone else;
• raise or move money for anything illegal, including fraud, gambling, money laundering or terrorism financing;
• harass, threaten or pressure anyone into giving;
• post content that is hateful, sexual, violent or that you don’t have the right to share;
• interfere with the service, scrape it, or try to get around its security or limits.

We may pause a list, hold funds, ask for more information, or close an account if we reasonably believe these rules are being broken, and we may report suspected crime to the authorities. Anyone can report a list; a real person reviews every report. Write to trust@joygiver.app.

6a. the creators programme

• Approved creators get a personal link (joygiver.app/c/…). We pay a set amount for each person who signs up through it, verifies their phone number and finishes signing up. We pay a campus unlock bonus when the creator's campus reaches its unlock number, if enough of its sign-ups came through the creator's link. Current amounts, the weekly cap and the minimum payout are shown on joygiver.app/creators. We may change them for future weeks with notice in the creators' WhatsApp group.
• Sign-ups clear after a short check (currently 48 hours). We pay cleared amounts every Friday to a Nigerian bank account in the creator's own name. Amounts below the minimum roll over.
• Only real sign-ups count. Fake, repeated or self-made sign-ups, paying people to sign up, spam and misleading posts are not allowed. We may hold payouts while we check, withhold amounts earned this way, and remove creators who break these rules.
• Creators are independent and not Joygiver employees. They are responsible for any tax on what they earn, and must label paid promotion where platform rules or the law require it.
• We decide who joins the programme and may end it, or a creator's place in it, at any time. We'll pay what has already cleared.

7. our stuff

The Joygiver name, logo, designs and software belong to us. You can share links to lists and to this website, but please don’t copy our brand or designs or pretend to be us.

8. how far we’re responsible

• We work hard to keep Joygiver available and accurate, but the website and service are provided “as is” and may sometimes be unavailable.
• We aren’t responsible for what list owners do with cash gifts, for products bought from other stores, or for losses caused by events outside our reasonable control (for example, a bank or network outage).
• Nothing in these terms limits rights you have under Nigerian consumer protection law, including the Federal Competition and Consumer Protection Act 2018, or our responsibility for fraud or for losses caused by our own negligence.

9. ending things

You can leave the waitlist or close your account at any time. If you close an account with money in your wallet, you can withdraw it to your verified bank account first. We may end or suspend access for serious or repeated breaches of these terms.

10. changes, law and disputes

We’ll update these terms as Joygiver grows, and always before the app launches. If a change matters, we’ll tell you in advance. These terms are governed by the laws of the Federal Republic of Nigeria. If something goes wrong, email hello@joygiver.app first; most things get fixed fast. If we can’t resolve it together, the courts of Lagos State will have jurisdiction.