Daily returns may increase or decrease with portfolio performance. They are not permanently fixed. You may lose part or all of your capital. Read your product details before investing.
1. Your investment
These terms apply when you purchase an investment through Big Brother Cooperative. Read them together with the product information, Terms of Use and Risk Disclosure. Your selected product identifies the investment amount, term and currently displayed return. Payment is made directly through Paystack for the selected plan. Activation follows server-side payment confirmation.
2. Eligibility and information
Provide accurate account information and only invest funds you are authorised to use. Identity, source-of-funds, KYC / AML and suitability information may be requested where applicable. A product may be unavailable until its eligibility requirements are met. Do not proceed if you do not understand the product or cannot bear a loss.
3. Investment activities and allocation
The company may allocate investment capital across selected property, currency, digital-asset, alternative-finance, fixed-income and cash-equivalent opportunities. Business activities also include advertising partnerships and institutional currency trading. Allocations depend on the product and management decisions; a strategy description does not mean every product holds that asset or that you own an identified property directly.
4. Daily return model and changes
A daily product starts with its displayed daily amount. That amount is the current rate, not an irrevocable promise for the life of the investment. Rates may increase, decrease or be changed completely as portfolio performance and operating conditions change. Future daily accruals use the applicable rate. Past performance and illustrations do not guarantee future results. Review the current rate in your account.
5. Calculation and valuation
The daily amount shown in the product is the amount used for an eligible daily accrual, before applicable claim fees. Multiplying that rate by days gives an illustration only. It does not account for rate changes, non-accrual days, fees, expiry or claim conditions. A maturity product uses the applicable percentage and the invested amount under its product terms. These product calculations are not an independent market valuation of the underlying portfolio. Ask for clarification where a product’s valuation or repayment terms are unclear.
6. Reward schedule and claiming
Under the current platform rules, daily investment rewards do not accrue on Sundays. Pending daily rewards expire at the end of their applicable day in Nigeria time if unclaimed. Where a task is required, it must be completed before claiming. Pending rewards are distinct from an available wallet balance. Check the reward screen for conditions and any fee before claiming. Promotional, referral and check-in rewards have their own conditions and are not evidence of investment performance.
7. Funding, charges and withdrawals
Pay for your selected plan through the Paystack checkout opened by the platform. There is no wallet top-up or balance-funded purchase. Keep your payment reference. If charged without confirmation, check payment status or contact support before paying again. Review applicable claim fees, withdrawal fees, permitted amounts and available days in the app. Investment duration does not itself promise immediate withdrawal or an early exit. Do not assume that principal is separately repaid unless the product says so.
8. Risk and losses
Investment outcomes depend on the underlying activities. Market movements, default, liquidity shortages, operational failures and other risks may reduce returns or capital. Diversification does not eliminate loss. These investments should not be treated as a guaranteed bank deposit. No guaranteed return, insurance or regulatory approval is implied by the website design or a company registration number.
9. Changes and records
The version of these documents acknowledged at checkout is recorded with your account, the time and the relevant request details. A new purchase requires a fresh acknowledgement. Later versions do not replace the historical acceptance record. Current rates can change as described above; check the product information before further investment.
10. Questions and disputes
Contact the company using the details on the Help page if you do not recognise a transaction or need an explanation. Include your transaction reference, date and the issue, but never your password. These terms do not exclude rights or remedies that applicable law does not permit to be excluded.
Company & contact
Big Brother Cooperative
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