Terms of Service

Akojo brings the money you already have in different places into one view. You connect accounts, send us statements, or forward the alerts your bank already emails you, and we show you what you have, what you are spending and what is coming.

It is a view of your money. It is not a bank, it does not hold your money, and it is not regulated as a financial institution.

You must be at least 18 and able to enter a contract. You must give us accurate information, and keep your password to yourself. What happens under your account is your responsibility.

One person, one account. Do not use someone else's bank details.

Akojo is invite-only and still being built. Features will change, some will be removed, and the product will occasionally be unavailable. We are not promising uptime yet.

None of that changes how your money is treated. Your data is handled the same way it will be after launch, we read and never move money, and a feature going away does not mean your records do.

If something is wrong, tell us. That is most of what a beta is for.

When you connect a bank account, you are authorising us, through our provider, to read it. You can disconnect at any time, from Akojo or from your bank.

Only connect accounts you own, and only send us statements you are entitled to have.

Akojo has read-only access to every account you connect. There is no mechanism in this product by which we can move, transfer, withdraw or spend your money, and we never ask for the ability to.

If anything claiming to be Akojo asks you to authorise a payment or transfer, it is not us.

We show you figures derived from what your bank tells us, through connections, statements and alerts. We work hard to make them right, and we tell you where a number came from and when it was last true.

Your bank is the authority, not us. Where Akojo and your bank disagree, your bank is correct. Do not rely on Akojo alone for a decision where being wrong would cost you something, and never as a substitute for professional financial advice.

Needs legal review · Subscription terms: what is charged, when, renewal, cancellation, refunds, what happens to your data and your connected accounts if a payment fails or you stop paying. Pricing is not settled, so this section should be written once it is rather than guessed at now.

What comparable products do, read 10 Oct 2026: annual subscription charged automatically on renewal, fees generally non-refundable unless agreed case by case. That is the norm to argue against rather than adopt by default. Two reasons it may not fit here. Recurring card payments fail far more often on naira cards, so “non-refundable” plus a failed charge is a worse outcome for a Nigerian customer than for an American one. And our own cost model already says a failed charge should not take the dashboard away the same day, which is a grace period and needs saying here.

How we handle your personal data is set out in our Privacy Policy, which is a notice rather than part of this agreement. Agreeing to these Terms is not consent to anything in it.

You can close your account whenever you like, and we delete your data as described in the Privacy Policy. We may suspend an account that is being used to break these terms or the law.

We will not close your account without telling you why. Comparable products reserve the right to terminate an account at any time, without notice and without explanation, and to destroy what was in it. We are not reserving that. This holds someone's financial history, and an account disappearing with no reason given is not something we are willing to have the right to do.

Needs legal review · Limitation of liability, disclaimer of warranties, indemnity, governing law and dispute resolution. These are the clauses that decide what happens when something goes wrong, and they should be drafted rather than adapted.

Three comparable products, read 10 Oct 2026, cap liability at: fees paid in the previous six months; the greater of $100 or twelve months of fees; and the greater of $100 or twelve months of fees. So a cap tied to fees paid, with a small floor, is the market position and a defensible starting point.

Their dispute clauses are NOT a model. All three mandate arbitration in a named United States county under United States state law, and all three waive class actions. Those terms exist because those companies are American and their customers are too. Ours are Nigerian, we are incorporated here, and a clause sending a Lagos customer to arbitration in Suffolk County is both unenforceable and the kind of thing that tells somebody exactly how much their complaint is worth to us. Governing law should be Nigeria, and the forum should be somewhere a customer could actually go.

When we change these terms we publish a new version with a new date, and ask you to agree to it. The version in force is the one shown at the top of this page.