Terms & Conditions

1. Membership

1.1Membership is open to persons 18 years and above.

1.2Members are expected to provide correct information during registration and to comply with the rules of their chosen programme.

2. Account Security

2.1Members are responsible for keeping their username, password and account details safe.

2.2Philadelphia Cooperative will not be responsible for losses caused by a member sharing their login details or allowing an unauthorised person to access their account.

2.3Members should only transact through official approved representatives, website or app.

3. Fraud & Scam Warning

3.1Beware of scammers and fake representatives.

3.2Philadelphia Cooperative will not be responsible for money sent to unauthorised persons or through unofficial channels.

3.3Always contact our official customer service channels or visit our office when in doubt.

4. Contributions & Member Responsibilities

4.1Members are expected to follow the rules and requirements of their chosen cooperative programme.

4.2Members must maintain any required active downline/referral within the stated period of their programme.

4.3An account that does not meet the required downline or programme conditions may not qualify for settlement, bonuses, incentives or other benefits.

5. Referral Links

5.1Members are responsible for monitoring and using their referral links within the required period.

5.2Any account whose referral link expires will get just a refund of the amount contributed.

6. Fees, Fines & Penalties

6.1Registration fees, service fees, fines, penalties and other applicable charges are non-refundable, except where Management expressly approves otherwise.

6.2Members are advised to understand the applicable rules before making payments or participating in any programme.

7. Account Termination or Withdrawal

7.1Any request to terminate an account or withdraw membership must be made in writing and is subject to Management's approval.

7.2Accounts registered as downlines or created through referral links are not eligible for termination where restricted by the applicable programme rules.

8. Account Transfer & Sale

8.1The following are not permitted: buying or exchanging an account; transferring an account to another person; duplicating or creating unauthorised accounts; or operating an account through another person by proxy (impersonation).

8.2Violation may result in account suspension, termination and/or further disciplinary action.

9. Food Items, Incentives, Bonuses & Rewards

9.1Food items, incentives, bonuses and rewards are subject to the terms, conditions and discretion of Management.

9.2They are not automatic entitlements unless expressly stated under the applicable programme.

9.3Members must meet all qualifying requirements before any incentive, bonus or reward can be granted.

10. Clearance, Verification & Settlement

10.1All qualified accounts must complete the required clearance and verification process before settlement.

10.2After successful verification, qualified accounts are processed for settlement within 7–14 days, subject to completion of all required conditions and documentation.

11. Official Information Channels

11.1Rely only on Philadelphia Cooperative's verified official social media handles, official website/app, office and authorised communication channels.

11.2Members should not create or operate unauthorised groups, platforms or services for collecting money or charging members without Management's approval.

12. Conduct & Discipline

12.1Members should communicate respectfully with the company, staff, representatives and other members.

12.2Fraud, impersonation, abuse, threats, defamation, deliberate misinformation, disruptive behaviour or other serious misconduct may result in suspension, penalties, termination and/or reporting to the appropriate authorities.

13. Complaints & Customer Service

13.1All complaints, account issues and challenges must be reported through official customer service channels.

13.2Complaints are reviewed and processed within 7 working days, depending on the nature of the issue and the information required.

13.3Members should not engage in public disputes or rely on unauthorised persons to resolve account issues.

14. Regulatory & Financial Responsibility

14.1Philadelphia Cooperative Multipurpose Society is a cooperative society and is not a bank, investment company or Ponzi scheme.

14.2Members are responsible for complying with applicable Nigerian laws and regulations when making financial transactions.

14.3For cooperative contributions, members should use the appropriate transaction description/narration as instructed by the company.

14.4Philadelphia Cooperative will not be responsible for regulatory issues, restrictions or losses resulting from a member's failure to follow official instructions or applicable laws.