Terms of Service
Last updated: 1 August 2026
1. Who we are
Cooperative Manager (the “Platform”) is operated by Mavi Global Consult Limited (RC 8374551), 5 Edhoruno Street, Oleh, Delta State, Nigeria (“we”, “us”).
2. Agreement to these terms
By creating an account or using the Platform you agree to these Terms. If you use the Platform on behalf of a cooperative, you confirm that you are authorised to accept these Terms for that cooperative.
3. What the Platform is — and is not
The Platform is software that helps cooperative societies record and administer memberships, contributions, loans, and related activity.
We are not a bank, a deposit-taking institution, a lender, or a financial adviser. We do not hold, control, or guarantee member funds. Payments made through the Platform are processed by Paystack and settle to the cooperative’s own account. Decisions about lending, savings, and dividends are made by the cooperative, not by us.
Each cooperative is responsible for its own registration, licensing, and regulatory compliance, including any licence required to operate savings or deposit products.
4. Your account
You must give accurate information and keep your login credentials secure. You are responsible for activity that happens under your account. Tell us promptly if you believe someone has accessed it without your permission. We may suspend accounts we reasonably believe are being misused.
5. Cooperative administrators
If you administer a cooperative on the Platform, you are responsible for the accuracy of the records you enter, for having a lawful basis to collect the member information you collect, for granting and removing access appropriately, and for the decisions you make using the Platform.
6. Acceptable use
You must not use the Platform unlawfully, attempt to gain unauthorised access to it, interfere with its operation, upload malicious code, scrape it, or use it to store information you have no right to hold.
7. Fees
Cooperatives pay a subscription to use the Platform. Fees, billing periods, and payment terms are shown at the point of purchase and are processed by Paystack. Unless we say otherwise, fees for periods that have already elapsed are not refundable. We may change fees on reasonable notice.
8. Your information
How we handle personal information is described in our Privacy Policy. Records entered by a cooperative belong to that cooperative; we process them on its behalf.
9. Availability
We aim to keep the Platform available, but we do not guarantee uninterrupted service. We may modify, suspend, or discontinue features. Maintenance and outages at our service providers may affect availability.
10. Disclaimers and liability
To the fullest extent permitted by law, the Platform is provided “as is” and without warranties of any kind. We are not liable for indirect or consequential loss, loss of profit, or loss of data. Our total liability in any twelve-month period will not exceed the fees paid to us in that period. Nothing in these Terms excludes liability that cannot lawfully be excluded.
11. Suspension and termination
You may stop using the Platform at any time. We may suspend or end access where these Terms are breached or where fees go unpaid. After termination, a cooperative may ask us to export its records within a reasonable period.
12. Changes to these terms
We may update these Terms. If you continue to use the Platform after a change takes effect, you accept the updated Terms.
13. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have jurisdiction over any dispute arising from them.
14. Contact us
Mavi Global Consult Limited (RC 8374551)
5 Edhoruno Street, Oleh, Delta State, Nigeria
support@jomavi.co.uk · +234 806 144 9117