Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing or using Oju's services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Description of Service
Oju is a community lending platform that connects borrowers with community supporters. We facilitate loan applications, disbursements, and payment processing.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal capacity to enter into contracts
- Provide accurate and complete registration information
- Comply with all applicable laws and regulations
4. User Responsibilities
As a user of Oju, you agree to:
- Provide truthful information in all applications
- Make payments according to your loan agreement
- Notify us of any changes to your contact information
- Not use the platform for any illegal purposes
5. Loan Terms
Specific loan terms, including interest rates, repayment schedules, and fees, will be disclosed in your individual loan agreement. By accepting a loan, you agree to the terms specified in that agreement.
6. Privacy
Your use of Oju is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.
7. Limitation of Liability
Oju shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
8. Changes to Terms
We may update these Terms of Service from time to time. We will notify you of any material changes by posting the new terms on this page.
9. Contact
For questions about these Terms of Service, please contact us at legal@ojufund.com.