Terms & Conditions

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Terms and Conditions

  1. You are expected to pay a non-refundable registration sum of ₦3,500 only.
  2. You must pay into your virtual account before 11:59pm every Friday if you are paying every week.
  3. If you fail to pay into your virtual account before 11:59 on a Particular Friday, it will attract a 100% fine.
  4. Every member must introduce at least one person under a particular account who must be up to 5months in the system before the account can be empowered with ₦100,000 and foodstuffs/incentives.
  5. Any account on fast track must introduce five downlines under the account within 20 days of its registration or it will no longer be termed fast track.
  6. Fast tracked account downlines must be nothing less than 6 months on the system while the 5 downlines must be nothing less than 3months before the fast track account will be empowered.
  7. Uploading of fake proof of payment will lead to cancellation of an account.
  8. Every account must contribute the sum of ₦60,000 before it can be empowered.
  9. Every account holder in Joy Radiators Foundation must buy the company branded T-shirt before the person will get his/her food empowerment.
  10. Termination of account attracts a termination fine of ₦5,000.
  11. JOY RADIATORS FOUNDATION EMPOWERMENT Payment is within 4 working days from the date of withdrawal application.
  12. For account change of ownership, the new owner must pay the sum of ₦5,000 before the details would be changed to the new owners.
  13. Any account taken over by a new owner will no longer be the downline of the old owner.
  14. A member is advised to provide a trusted next of kin that will get his or her contribution refund in case the member passes on.
  15. JOY RADIATORS FOUNDATION will not pay a dead member 50% benefit if the member passes on before his or her 30 weeks thrift maturity date.
  16. JOY RADIATORS FOUNDATION contribution empowerment is after 30weeks.
  17. After making payment for your registration, you have 48hrs to pay into your virtual account for your contribution payment or else your account will be deactivated and you will have to pay another registration money to activate your account.
  18. Note that any mistake made during your registration is at your cost, JOY RADIATORS FOUNDATION will not be held responsible for any of such mistakes.
  19. Any payment made in the name of JOY RADIATORS FOUNDATION that is not confirmed will require further investigation from the depositor which will require the depositor providing his or her statement of account and any other information that will be required by JOY RADIATORS FOUNDATION to further investigate the transaction.
  20. All manually uploaded transaction will take within 24 to 48 hours before the transactions will be confirmed.
  21. Any account with 4 weeks+ defaults will be suspended, and such upline to the suspended accounts will lose the account as a downline, and this might result in the upline not being eligible for ₦100,000 and foodstuffs if such upline account registration date is over 2 months.
  22. You are expected to pay a clearance fee of ₦2,000 only before you can be eligible for withdrawal.
  23. No Active Downline within eight (8) weeks of registration, No Incentives.

    24. NOTE: Your five (5) referred persons must be nothing less than 12 weeks on the platform before your 16  weeks maturity.