Partner Terms of Use

• OneMAI refers to OneMAI and its operating entity/entities within Nigeria.
• Partner refers to any individual or organisation approved to promote OneMAI.
• End User refers to any person who registers on the OneMAI platform.
• Qualified User has the meaning defined in Section 6.
• EMI / Banking Partner refers to payment institutions providing regulated financial services to OneMAI users.
• Platform refers to OneMAI's web, mobile, and partner systems.

OneMAI is not a bank, not a lender, and does not hold or safeguard customer funds.

• All regulated financial services are provided by licensed Banking Partners in accordance with Nigerian law.
• Partners must not present OneMAI as a bank, lender, or financial institution.
• Partners must not provide financial advice, investment advice, or guarantees of returns.
• Your role is purely promotional and non-regulated.

To participate in the Program, you must:

• Be at least 18 years old.
• Have legal capacity to enter into a binding agreement.
• Provide accurate and complete identification and contact information.
• Maintain a valid Nigerian or internationally accepted bank account for payouts.
• Not be subject to sanctions, financial crime restrictions, or prior bans from OneMAI services.

• Promote OneMAI honestly, transparently, and responsibly.
• Accurately describe how the OneMAI platform works.
• Clearly explain that participation involves structured contributions within closed groups, not guaranteed returns.
• Avoid exaggeration, misrepresentation, or financial promises.
• Refer users who genuinely intend to participate.
• Respect Nigerian consumer protection and advertising laws.
• Follow OneMAI brand, communication, and compliance guidelines.

• Do not pressure or coerce users.
• Do not exploit vulnerable individuals.
• Do not target minors or restricted audiences.
• Do not mislead users about fees, timelines, risks, or payouts.
• Do not present participation as a loan, investment product, or savings account.

A Qualified User must:

1. Register using your unique partner link or QR code.
2. Successfully complete identity verification.
3. Join a savings group.
4. Make a first verified contribution.
5. Remain active beyond any applicable cooling-off or validation period.

• Create fake, duplicate, or self-referral accounts.
• Misrepresent OneMAI or its regulatory status.
• Promise profits, loans, guaranteed payouts, or rewards.
• Use spam, bots, bulk messaging, or deceptive advertising.
• Collect or store user data outside approved processes.
• Claim to represent OneMAI as an employee, agent, or financial advisor.