Terms and Conditions

These Terms and Conditions govern Nigima Circles and NigimaHand, including our website at nigima.app, progressive web application, any official mobile applications, guest donation checkout and related support services. “Nigima”, “we”, “us” and “our” mean WIZER GENERAL INC., incorporated in CANADA, with a business address at 300-181 UNIVERSITY AVENUE, TORONTO ON. M5H 3M7. “You” includes members, circle creators, organizers, donors, guests and recipients, as appropriate.

You accept these Terms when you affirmatively agree at registration, circle enrollment, campaign creation or checkout. Merely viewing a public page does not authorize a payment or subscription. The Privacy Policy explains personal information handling; optional privacy and marketing permissions remain separate from acceptance of these Terms.

Mandatory law takes priority. These Terms then take priority over inconsistent circle rules or campaign descriptions. Additional payment-provider terms apply to the provider’s service and will be identified before you use it. No organizer may waive Nigima eligibility or legal requirements.

You must be at least 18 and the age of majority where you live, have legal capacity to enter this agreement, and use an enabled country, currency and payment method. An authorized adult may organize a permitted cause benefiting a child; the child must not operate an account or receive payouts directly through these services.

Provide accurate identity, contact and payout details, keep them current, and act only for yourself unless you disclose and are authorized to act for another person or organization. Organization representatives must have authority to bind the organization and identify its owners or controllers when required.

Protect your credentials and any authentication codes. Do not share an account or create duplicate accounts to avoid restrictions. Notify SUPPORT@NIGIMA.APP promptly about suspected unauthorized access or payments. Responsibility for unauthorized activity will be assessed under applicable law, the facts and provider rules; account ownership alone does not make you automatically liable for every unauthorized transaction.

Nigima Circles supports pooling among members who agree contributions and rotating payouts. NigimaHand supports fundraising for permitted causes, such as medical needs, weddings and community assistance. These Terms do not offer platform loans, interest-bearing investments or guaranteed returns.

A circle payout depends on actual contributions, successful settlement, verification and permitted release. Members may pay late, fail to pay or dispute payments. Campaign information may be incomplete or misleading despite review. Verification does not guarantee a person’s future conduct, campaign success or use of money.

Nigima does not promise to replace missing contributions, reimburse every fraudulent donation or insure a circle. Do not assume funds qualify for bank deposit insurance or that Nigima is a bank, escrow provider or trustee. The payment and custody arrangements identified for the relevant service determine who holds funds and what protections apply. These Terms do not establish an exemption from financial regulation or reduce any safeguarding obligation imposed by law.

Country availability, service availability, currencies, memberships and payment providers are separate controls. An enabled country does not mean every service, currency or provider is available there. We may restrict new activity where a provider is unavailable, required approvals are missing or law requires restriction.

We will explain material availability changes where practicable. Closing a country or service does not cancel settled obligations or authorize confiscation. Existing contributions, refunds and payouts will be managed under the accepted arrangement and applicable law. Do not misstate your location or use another person’s details to bypass controls.

We or our providers may request identity documents, address information, confirmation of payout ownership, source of funds, organizer authority and evidence supporting a cause. Checks may occur before activation, payment or payout, and during the relationship. Guest donors remain subject to required checks even without an account.

We may delay, decline or restrict affected activity while necessary checks are incomplete or concerns are reviewed. A potential screening match is subject to review and is not itself a finding of wrongdoing. Required legal restrictions cannot be waived by a circle vote or urgent fundraising need.

Do not use either service for fraud, money laundering, terrorist financing, sanctions evasion, stolen payment instruments, unlawful fundraising, deceptive claims, prohibited investment schemes, harassment or attempts to compromise the platform. Cash and cryptocurrency are not permitted unless separately introduced through an approved service and updated terms.

We may disclose information to competent authorities where legally required or permitted. We may be unable to explain confidential reporting or an investigation. No provision requires us to make disclosures that law prohibits.

Before a cycle begins, all members must be able to review and accept a circle agreement identifying its members, organizer, contribution amount, currency, payment frequency, due dates and time zone, complete cycle length, recipient order, payment route, payout conditions, fees, late-payment rules and dispute procedure. Contributions may be weekly, every two weeks, monthly or yearly where supported.

The organizer coordinates the circle and must keep its information accurate, obtain member approval and avoid misleading promises. The organizer cannot unilaterally redirect funds, add undisclosed charges or override another member’s rights. Members must complete required verification before participating financially.

Membership locks when the pooling cycle starts. No new member may join until the paying cycle is completed. A person’s wish to leave does not automatically end accepted contribution obligations. Removal, death, incapacity or an inability to continue requires a documented resolution of outstanding contributions and payout rights; it must not silently substitute a new member during a locked cycle.

Pay each agreed contribution by its due date using the designated route. Receiving your payout early in the rotation does not end your obligation to contribute for the rest of the cycle. Circle funds must not be used for the organizer’s unrelated expenses or personal purposes.

The receiving member follows the accepted order. Payouts are made only from available settled funds through the disclosed route, subject to verification and lawful holds. If a shortfall occurs, the circle is informed of the relevant amount and available options. A shortfall must not automatically be charged to compliant members or covered by an undisclosed loan.

Payout destinations may be a verified bank or mobile money account consistent with the member’s selected supported method. Correct destination details are essential. Any changed destination must be reverified. Payout processing and arrival depend on the provider and recipient institution; estimated times shown in the service are not unconditional guarantees.

A member with a genuine issue may request an adjustment to the receiving order and provide proportionate supporting information privately. A request is not an automatic entitlement to receive earlier.

Unless the circle agreement specifies another lawful approval procedure before the cycle starts, all affected members must affirmatively approve a change. The change must be recorded with its reason, approvals, revised schedule and financial effects, and reviewed by Nigima where verification, compliance or payment controls are affected. Members must receive the approved schedule before it takes effect. No change may erase contributions owed, increase another member’s obligation without consent or conceal a beneficiary change.

A “default” is a missed contribution obligation remaining unresolved after the due date and any grace period disclosed in the circle agreement. A “probe” is a documented review of a credible circle complaint or apparent breach; an unsupported accusation alone must not automatically establish default.

A member under a circle probe or in default cannot create or join another circle, including through a second account. Their existing circles will receive a necessary, factual notice of the participation restriction. A probe notice must indicate that review is pending and must not label an allegation as a proven offence. Existing contribution duties remain unless law or an approved settlement changes them; existing payouts are not automatically forfeited.

Where lawful, we will notify the member of the relevant concern, provide an opportunity to submit evidence and request review through SUPPORT@NIGIMA.APP, and review the restriction proportionately. We may act before notice where necessary to protect funds or comply with law. Notices to other circles must not reveal identity documents, sensitive personal evidence, confidential compliance suspicions or regulatory reports.

Once the issue is resolved and the restriction is formally cleared, the member may again create and join circles subject to ordinary eligibility rules. All circles in which the member is involved will receive a correction or resolution notice. A circle probe or default restriction alone does not prevent NigimaHand activities. Separate identity, fraud, sanctions, security or legal restrictions may affect either or both services.

Circles with more than two people are subject to the applicable paid membership requirement. The threshold concerns the number of people in a circle, not the number of circles a person joins. Circles with one or two people do not trigger that particular membership requirement, although disclosed provider charges may still apply.

Before a third person is admitted or a paid circle is activated, we will identify who must pay, the amount, currency, billing period, benefits, taxes, renewal terms, cancellation method and consequences of nonpayment. Those details must be available for express acceptance; they cannot be supplied solely through an undisclosed administrator setting.

Automatic renewal applies only where clearly disclosed and lawfully accepted. You may cancel future renewal through the displayed cancellation route or support. Membership cancellation does not erase existing circle contribution obligations. We will not retrospectively change fees on completed payments or an accepted current cycle. New rates apply prospectively with required notice and consent. Mandatory refund and cancellation rights remain available.

An organizer must accurately describe the cause, target, currency, fundraising period, intended use, beneficiary, relationship to the beneficiary, payout recipient and proposed payout schedule. Obtain the beneficiary’s informed permission or lawful representative authority before publishing their story, image or sensitive information.

Organizers and payout recipients must complete required verification before campaign activation. Submit evidence privately using the designated secure route; do not publish complete medical records, identity documents, bank details or another person’s contact information. A campaign involving a child requires an authorized adult and appropriate protections for the child’s privacy.

Funds must be used for the disclosed purpose. Organizers must maintain appropriate records, give accurate progress updates and promptly report material changes, suspected misuse or inability to fulfil the cause. Campaign badges or reviews describe only the checks actually completed and do not certify charitable status or guarantee the cause.

Campaigns must not offer investments, unlawful rewards, misleading prizes or prohibited goods or activities. Nigima may reject or remove unlawful, deceptive or unauthorized content and pause affected payouts while concerns are reviewed.

You may choose a cause and donate through the public checkout without creating an account or entering a member dashboard. You must nevertheless provide the information needed for payment, receipts, verification and compliance. Guest checkout does not mean anonymity from Nigima or its providers.

Before payment, checkout must show the campaign, donation amount and currency, NigimaHand percentage fee, provider charges, any applicable tax or currency conversion, who bears each charge, and the expected amount available to the cause. NigimaHand uses a disclosed percentage on money raised per transaction; the Circles membership threshold does not apply to NigimaHand.

No additional donation, tip or recurring payment may be added without your express choice. A recurring donation, if offered, requires a separate clear authorization and accessible cancellation. Cancelling recurrence does not itself reverse completed donations.

A donation does not provide circle membership, a repayment claim, interest, ownership or a guaranteed result. A transaction acknowledgment is not a charitable tax receipt. Tax receipts may be offered only by a legally eligible issuer clearly identified before donation; Nigima does not promise deductibility.

Campaign payouts depend on successful settlement, verified destination ownership, disclosed release conditions and completion of necessary checks. The campaign must state whether eligible funds may be released before its target is reached and what happens if the target is not reached. These terms must be disclosed before the first donation.

Money may be paid to the approved beneficiary or a verified service provider where the campaign terms and law permit. A payout destination or recipient cannot be changed merely by editing the campaign page. We may require fresh verification and approval, staged disbursement or evidence of use where appropriate and disclosed.

Organizers must not redirect donations to a materially different purpose without lawful authorization and, where required, donor consent. If the cause becomes impossible, is cancelled, has excess funds or leaves money unused, remaining unreleased funds must be handled under the campaign’s pre-disclosed disposition terms and law. Without such terms, we will pause release, seek an authorized resolution and arrange eligible refunds rather than invent a substitute cause. Money already spent or paid out may be harder or impossible to recover.

Only supported payment routes may be used. The relevant service or checkout must identify the provider, whether payment goes directly to a recipient or through a collection arrangement, who holds funds, fees, applicable conversion rate and payout conditions. No undisclosed stored-value wallet is created by a displayed transaction history.

Bank and mobile money transfers may require proof. A screenshot, browser success page or uploaded receipt is supporting evidence and does not by itself establish settlement. We may reconcile with provider records or independent confirmation before marking a contribution paid or releasing a payout. Manual payouts require verified instructions and recorded authorization.

Do not repeat an uncertain payment solely because confirmation is delayed. Contact support with its reference. Tell us promptly about duplicate, incorrect or unauthorized payments. We will investigate, correct our records and coordinate recovery or refunds where available. Recovery of a transfer already received by the wrong party is not guaranteed.

We may apply reasonable transaction limits and necessary holds. We will provide status information and an opportunity to resolve missing information where lawful. Restricted funds are handled according to law; a hold does not give Nigima ownership of them.

Mandatory consumer and payment rights take priority over this section. Contact SUPPORT@NIGIMA.APP with the transaction reference, date, amount and reason; do not send card security codes or full identity documents by ordinary email.

We will investigate duplicate charges, failed payments recorded as successful, unauthorized payments, misleading campaigns and other substantiated errors. Eligible refunds ordinarily return to the original payment source, subject to legal restrictions and provider capabilities. Refund timing depends on the payment route and will be communicated when the refund is initiated.

A valid completed donation is not automatically refundable merely because you change your mind or a campaign misses its target, unless the disclosed campaign terms or law provide otherwise. This does not prevent fraud complaints or lawful chargebacks. Provider charges and Nigima fees will be treated under the checkout refund disclosure and applicable law; no charge is categorically nonrefundable where law requires its return.

A circle contribution is not an ordinary cancellable donation. Once allocated or paid to a rotating recipient, reversal can affect other members and must follow the circle agreement and law. Members must report genuine payment disputes accurately and must not use a false chargeback to avoid an accepted obligation.

A pending chargeback may delay related payouts. A person responsible for misuse or a justified reversal may be required to return funds they received, but unrelated members and beneficiaries are not automatically liable for another person’s chargeback.

You retain rights in content you submit. You grant Nigima a nonexclusive license to host, format, display and transmit it as needed to provide the service and apply the visibility you choose. This license does not authorize unrelated advertising with a beneficiary’s story or photograph without permission. Necessary historical, dispute and legal records may remain after public content is removed.

Post only content you own or are authorized to use. Do not expose private data, threaten members, make defamatory allegations, send spam or solicit unauthorized off-platform payments. Circle information must be used for circle administration, not public shaming or a separate blacklist.

We may send essential receipts, due-date reminders, payout information, security alerts and restriction notices. Optional marketing requires appropriate separate permission and may be stopped using the unsubscribe route. Users must preserve relevant evidence when a dispute is reported.

We may suspend affected features or close an account for material breaches, unresolved verification, credible security concerns, prohibited activity, provider withdrawal or legal requirements. The scope should reflect the reason; a circle-only default restriction is distinct from a platform-wide legal restriction.

Where lawful, we will explain the service decision and provide a review route. You may request account closure, but closure does not extinguish settled obligations, refunds, chargebacks or lawful retention. We will manage eligible remaining funds through verified routes and will not confiscate them simply because an account closes.

If a service ends, we will give practicable notice and a lawful plan for outstanding cycles, campaigns and funds. Disruption outside our reasonable control may delay performance, but it does not erase rights that cannot be waived.

We will provide the service with reasonable care and comply with duties that apply to our role. Availability and third-party performance can vary. We do not guarantee uninterrupted access, that every member will pay, or that every cause will achieve its target.

To the extent permitted by law, we are not responsible for losses caused solely by another user’s breach or a provider failure outside our control. This does not excuse our own failure to take reasonable care, breach of contract or breach of legal duties. Liability for fraud, intentional misconduct, gross negligence, mishandling of funds where responsibility is imposed by law, or other non-excludable liability is not excluded.

A user who intentionally or negligently breaches these Terms remains responsible for losses legally attributable to that conduct. We will not impose an automatic indemnity for every complaint, allegation or third-party claim. Nothing limits lawful refund, court, regulator or consumer remedies.

Send service complaints to SUPPORT@NIGIMA.APP and privacy concerns to PRIVACY@NIGIMA.APP, including enough information to identify the issue. We will acknowledge receipt, investigate and explain the outcome where lawful. Circle mediation does not prevent a person from pursuing legal rights or reporting a crime.

Subject to mandatory protections in your place of residence, these Terms are governed by the laws of Ontario and the applicable federal laws of Canada. You may use courts and complaint bodies available under mandatory law. These Terms do not require compulsory arbitration or waive class proceedings or statutory rights.

We will publish updated Terms with a new effective date and give appropriate advance notice of material changes. Changes apply prospectively and will not silently rewrite an existing cycle’s financial commitments or a donation’s accepted purpose. We will request renewed acceptance where law or the nature of the change requires it. If a provision is unenforceable, the remaining provisions apply to the extent lawful. Our failure to enforce a rule once does not permanently waive it.

Operator: WIZER GENERAL INC.

Business and notices address: 300-181 University Ave, Toronto, ON M5H 3M7

Service support and complaints: support@nigima.app

Privacy officer: privacy@nigima.app

Website: https://nigima.app