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Koajo is a fintech company, not a bank, lender, advisor, broker, fund manager, investment firm, MLM scheme, credit repair service, credit reporting agency, money service business, money transmitter, financial institution or issuer of stored valued products. Koajo does not control user behavior and disclaims any liability in this regard. Koajo is not designed to pool funds for investment or generate profits for users. We do not offer investment returns or shares on savings. Users' relationship with Koajo is independent, and their savings are paid out either in advance or arrears, based solely on their own contributions, with no reliance on the efforts of others.
