Terms of Service

By downloading, installing, or using The SuSu App, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.

These terms constitute a legally binding agreement between you and BigE Solutions LLC.

Zero tolerance policy: There is no tolerance for objectionable content, harassment, hate speech, fraud, or abusive users. Violations may result in immediate content removal and permanent account termination. We review user reports within 24 hours.

The SuSu App includes user-generated content such as group chat messages and member profiles. By using the app you agree that:

• You will not post objectionable, harassing, hateful, fraudulent, or illegal content
• You may report objectionable content using the in-app report feature
• You may block abusive users; blocked users are removed from your feed immediately
• We filter messages for prohibited language and remove violating content
• We investigate reports within 24 hours and remove confirmed violations
• Repeat or severe offenders may be permanently removed from the platform

Contact support@thesusu.app for urgent safety concerns.

The SuSu App is a mobile platform that facilitates community-based rotating savings groups, commonly known as SuSu, Sou-Sou, Tanda, or ROSCA (Rotating Savings and Credit Association). Our service allows users to:

• Create and join savings groups with defined contribution amounts and payout schedules
• Make regular contributions via bank account (ACH) or card through Stripe
• Receive payouts according to the group rotation schedule
• Track contributions, payouts, and group progress in real time
• Communicate with other group members via in-app chat

We act as a technology facilitator. We do not provide financial advice, investment services, banking services, or lending. The SuSu App is not a bank, credit union, or licensed financial institution.

To use The SuSu App, you must:

• Be at least 18 years old
• Have the legal capacity to enter into binding agreements
• Reside in a country supported by Stripe Connect (currently 42 countries)
• Provide accurate and complete registration information
• Complete identity verification (KYC) through Stripe Connect before receiving payouts
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations in your jurisdiction

We reserve the right to verify your identity and eligibility at any time and to refuse service if verification fails or eligibility requirements are not met.

To receive payouts, you must complete identity verification through our payment partner, Stripe Connect. This process requires you to provide:

• A valid government-issued photo ID
• Your legal name, date of birth, and address
• Bank account details for receiving payouts

Verification is handled entirely by Stripe. We do not store your identity documents. Failure to complete verification will prevent you from receiving payouts but will not affect your ability to make contributions.

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Providing accurate and up-to-date information
• Meeting your contribution obligations to groups you join

Single-device policy

For your security, your account may only be active on one device at a time. Signing in on a new device will sign you out of the previous device.

You may not share your account, allow others to use it, or create multiple accounts.

The SuSu App calculates a trust score for each user based on their payment history and group participation. Your trust score:

• Increases when you make on-time contributions and complete group cycles
• Decreases when you miss payments or have failed transactions
• Is visible to group administrators when you request to join a group
• May be used by group administrators to approve or deny membership

Trust scores are calculated automatically and cannot be manually adjusted. They reflect your track record on the platform and help build a trustworthy community.

Contributions and Payouts

• Contributions are collected via ACH bank transfer or card through Stripe
• Payouts are delivered to the bank account linked during identity verification via Stripe Connect
• Contribution amounts and payout schedules are set when a group is created and cannot be changed mid-cycle

Contribution Fees

• Contributions are charged at exactly the contribution amount — no platform or processing fee is added when you contribute
• The full contribution funds the group pot; what our payment processor charges to collect it is recovered from the pot at payout, as described below
• A one-time bank verification fee of $1.50 may apply when linking a new bank account
• Failed ACH payments may incur a $4 fee; disputed payments may incur a $15 fee

Payout Fees

• A platform fee (currently 5%, subject to change via notice) is deducted from the gross pot when a round pays out, subject to a $0.30 minimum per payout
• A payment processing fee is deducted from the pot to recover what Stripe charged to collect the group's contributions (for example, about 2.9% plus $0.30 per card payment, or about 0.8% per bank payment), at Stripe's actual cost with no markup
• A payout processing fee of 0.25% plus a fixed $0.25 is deducted from each payout to recover Stripe payout costs
• Stripe's monthly active account fee of $2.00 is deducted from the first payout your account receives in a calendar month, at most once per month
• Payout fees are deducted automatically before funds are deposited to your bank account, and the full breakdown is shown to every group member before the round closes

ACH Payments

• ACH bank transfers take 3–5 business days to settle
• Contributions made via ACH are considered delayed payment methods and may not clear immediately
• If an ACH payment fails after you have already been credited, you remain responsible for the amount

Refunds

• Group contributions are generally non-refundable once processed
• If a group is dissolved before completion, remaining funds will be returned to members minus any applicable fees
• Disputes should first be raised with the group administrator, then with our support team
• Platform fees may be refunded at our discretion

When participating in groups, you agree to:

• Make timely contributions as agreed in the group schedule
• Respect other group members and communicate respectfully
• Follow group-specific rules set by the group administrator
• Not engage in fraudulent, deceptive, or manipulative practices
• Report any issues, disputes, or suspicious activity promptly

Group administrators have additional responsibilities

• Setting clear group rules, contribution amounts, and payout schedules
• Reviewing and approving membership requests
• Ensuring fair and transparent distribution of payouts
• Resolving member disputes in good faith
• Maintaining accurate group records

In-App Chat

• Chat is provided for group coordination and must be used respectfully
• You may not send spam, threats, harassment, hate speech, or illegal content
• You may not share personal financial information (bank details, passwords, PINs) in chat
• We reserve the right to review reported messages and take action including message removal or account suspension
• Chat messages may be retained for dispute resolution and compliance purposes

The SuSu App does not guarantee the behavior of individual group members. Joining a group involves inherent risk that other members may not fulfill their obligations.

The SuSu App offers an optional auto-pay feature that automatically processes your scheduled contributions:

• Auto-pay is opt-in and can be enabled or disabled at any time from your group settings
• When enabled, your linked payment method will be charged automatically on each contribution due date
• You will receive a push notification before each auto-pay charge is processed
• If an auto-pay charge fails (e.g., insufficient funds, expired card), you will be notified and must make the contribution manually
• Repeated auto-pay failures may result in auto-pay being disabled for your account
• Disabling auto-pay does not cancel any outstanding contribution obligations — you remain responsible for making payments manually

By enabling auto-pay, you authorize BigE Solutions LLC to charge your linked payment method on a recurring basis according to your group's contribution schedule.

The SuSu App may offer a referral program that allows you to invite others:

• Referral codes are unique to your account and may not be transferred, sold, or publicly distributed for commercial purposes
• Referral benefits, if any, are determined at our sole discretion and may change or be discontinued at any time
• We reserve the right to revoke referral rewards obtained through fraud, abuse, or violation of these terms
• Creating multiple accounts to exploit referral benefits is prohibited and may result in account termination
• Referral program terms and eligibility may vary by region

You may not use The SuSu App to:

• Engage in illegal activities, money laundering, or terrorist financing
• Defraud other users or the platform
• Create fake accounts, impersonate others, or provide false information
• Spam, harass, threaten, or abuse other users
• Intentionally default on contribution obligations
• Violate intellectual property rights
• Attempt to hack, reverse-engineer, or disrupt our systems
• Use automated tools, bots, or scrapers
• Circumvent security measures, App Check, or rate limits

Violation of these terms may result in immediate account suspension or permanent termination, forfeiture of trust score, and referral to law enforcement where appropriate.

The SuSu App and all related content are owned by BigE Solutions LLC and protected by intellectual property laws. This includes:

• Software, algorithms, and source code
• Design elements, user interface, and user experience
• The SuSu name, logo, and trademarks
• Documentation and marketing content

You may not copy, modify, distribute, or create derivative works without our prior written permission.

Our service is provided "as is" and "as available" without warranties of any kind, express or implied. We disclaim all warranties, including:

• Merchantability and fitness for a particular purpose
• Accuracy, reliability, or completeness of information
• Uninterrupted or error-free operation
• Security against all unauthorized access

We are not responsible for:

• Actions, defaults, or misconduct of other users or group members
• Payment defaults, missed contributions, or disputes between users
• Technical issues, service interruptions, or data loss
• Decisions made by Stripe regarding identity verification or account status
• Changes in applicable laws or regulations affecting your use of the service

To the maximum extent permitted by law, BigE Solutions LLC shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the total fees you paid to us in the preceding 12 months
• Issues arising from user disputes, payment defaults, or group member misconduct

Some jurisdictions do not allow limitations on liability, so some or all of the above limitations may not apply to you.

You agree to indemnify and hold harmless BigE Solutions LLC, its officers, members, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the service, violation of these Terms of Service, violation of applicable laws, your interactions with other users, or any content you provide or share through the app.

Either party may terminate this agreement:

You may:

• Delete your account through the app settings
• Stop using our service at any time

We may:

• Suspend or terminate your account for violations of these terms
• Suspend accounts pending investigation of suspicious activity
• Discontinue the service with reasonable notice

Upon termination:

• Outstanding contribution obligations remain your responsibility
• Pending payouts owed to you will be processed if your identity is verified
• Your data will be handled according to our Privacy Policy
• Your trust score history will be retained for platform integrity

These terms are governed by the laws of the Commonwealth of Massachusetts, United States, without regard to conflict of law principles.

Any disputes will be resolved through:

• Good faith negotiation between the parties
• Mediation through a mutually agreed mediator (if negotiation fails)
• Binding arbitration in Boston, Massachusetts (as a last resort)

You agree to waive the right to participate in class action lawsuits or class-wide arbitration against BigE Solutions LLC.

We may update these Terms of Service from time to time. We will notify you of material changes by:

• Posting the updated terms in the app
• Sending you a push notification or email
• Displaying a prominent in-app notice

Your continued use of The SuSu App after changes take effect constitutes acceptance of the updated terms. If you do not agree to the updated terms, you should stop using the service.

For questions about these Terms of Service, contact us:

BigE Solutions LLC
Email: support@thesusu.app
Phone: (774) 209-SUSU

For urgent matters, please use our in-app support.