Terms & Conditions

Last Updated: July 30, 2026

By registering on the platform, every member agrees to comply with these Terms and Conditions.

1. Membership Registration

• 1.A non-refundable registration fee of ₦4,200 is required to activate membership. This fee covers membership and platform registration.
• 2.A non-refundable Processing Circle Fee of ₦3,500 is required to activate each Circle account opened by a member. This fee covers the activation and administration of the member's Circle account.
• 3.Members must make their first weekly contribution within forty-eight (48) hours of registration.
• 4.Failure to make the first contribution within the stipulated period will result in automatic account deactivation. Reactivation will require a fresh registration and payment of a new registration fee.
• 5.Members are responsible for ensuring that all information provided during registration is accurate, complete, and valid.

2. Weekly Contributions

• 1.Weekly contributions must be paid into the member's assigned virtual account on or before 11:59 PM every Friday.
• 2.Contributions received after the stated deadline shall attract a default penalty equal to 100% of the applicable weekly contribution.
• 3.Any member who contributes less than the required weekly amount may have their account suspended until the outstanding balance is fully paid.
• 4.The applicable default penalty is mandatory and non-negotiable.
• 5.A ₦2,100 administrative fee is required before a suspended account can be reactivated.
• 6.Manual payment uploads may require 24–48 hours for verification.

3. Empowerment Qualification

• 1.Members must contribute a minimum total of ₦63,000 before becoming eligible for empowerment consideration.
• 2.Empowerment eligibility is available only after thirty (30) weeks of consistent contributions, subject to all other applicable requirements.
• 3.To qualify for the ₦100,000 empowerment package and applicable food incentives, a member must have at least one active referral who remains active for a minimum period of six (6) months.
• 4.Members must purchase and own an official Global Freedom Worldwide (GFW) branded T-shirt to qualify for food empowerment incentives.
• 5.Members who do not have an active referral within eight (8) weeks of registration may not qualify for selected incentive programs.

4. Fast-Track Program

• 1.Fast-Track members must register five (5) active referrals within thirty (30) days of activation.
• 2.Failure to meet this requirement will result in the member's removal from the Fast-Track Program.
• 3.The five (5) required referrals must remain active for a minimum of three (3) months.
• 4.All five (5) referrals must also complete at least twelve (12) weeks of active participation before the member reaches their sixteen (16)-week maturity period.
• 5.Meeting the referral requirement does not automatically guarantee empowerment. All other applicable eligibility, verification, and compliance requirements must also be satisfied.

5. Account Integrity and Compliance

• 1.All payments, receipts, documents, and information submitted through the platform must be genuine, accurate, and verifiable.
• 2.Submission of false payment receipts, fraudulent documents, or misleading information may result in immediate account termination without refund, subject to applicable law.
• 3.Payments that cannot be automatically verified may require additional evidence, including bank statements, transaction records, or other supporting documents.
• 4.Members must cooperate with reasonable verification requests where necessary to confirm the authenticity of payments or account information.

6. Account Suspension

• 1.Accounts with more than four (4) weeks of missed contributions may be suspended.
• 2.A suspended member may lose access to certain referral, network, or incentive benefits, which may affect their eligibility for empowerment programs.
• 3.Suspension will remain in effect until the member's outstanding obligations have been fully settled and any applicable reactivation requirements have been satisfied.

7. Withdrawals and Empowerment Payments

• 1.Members requesting an approved empowerment payment must first pay a ₦2,500 clearance fee.
• 2.Approved withdrawal requests will be processed within four (4) business days, subject to successful verification and compliance with applicable requirements.
• 3.GFW reserves the right to delay processing where additional verification or documentation is reasonably required.
• 4.Members must ensure that their banking and payment information is accurate before submitting a withdrawal or empowerment request.

8. Account Termination and Transfer

• 1.Voluntary account termination requires payment of a ₦5,000 processing fee for each account.
• 2.Transfer of account ownership requires payment of a ₦5,000 transfer fee for each account and is subject to GFW's approval and verification requirements.
• 3.A transferred account does not automatically inherit the previous owner's referrals or downline.
• 4.GFW may require identity verification and other supporting documentation before approving an account termination or transfer.

9. Bulk Accounts

• 1.Bulk account packages are available from 30 accounts up to 1,000 accounts.
• 2.Individuals, churches, cooperatives, companies, and other organizations interested in bulk accounts must contact GFW Management to negotiate and establish an approved payment plan.
• 3.Bulk account holders who fail to establish an approved payment plan but continue making contributions may have their contributions refunded at the end of the applicable contribution cycle, subject to account verification and applicable policies. Food incentive benefits may still apply where the member satisfies the relevant eligibility requirements.

10. Death of a Member

• 1.Every member must provide valid next-of-kin information during registration.
• 2.In the event of a member's death, the verified next of kin or legally recognized representative may claim the deceased member's eligible total contributions, subject to verification and any applicable legal requirements.
• 3.If a member dies before completing thirty (30) weeks of contributions, the additional 50% empowerment benefit shall not be payable.
• 4.GFW may require appropriate documentation, including proof of death, identification, and evidence of the claimant's relationship or legal authority before processing any claim.

11. Limitation of Liability

To the extent permitted by applicable law, GFW shall not be responsible for losses, delays, or issues arising directly from: incorrect account or banking information supplied by a member; errors or omissions made by a member during registration; delays caused by banks, payment processors, or third-party service providers; technical failures, system interruptions, or network-related issues beyond GFW's reasonable control; events or circumstances beyond the reasonable control of GFW. Participation in the platform is voluntary, and every member agrees to comply with these Terms and Conditions and all other applicable GFW policies.

12. Policy Amendments

• 1.GFW reserves the right to amend, update, or modify these Terms and Conditions from time to time in order to improve its operations or comply with applicable laws and regulations.
• 2.Members will be notified of material policy changes through official GFW communication channels where appropriate.
• 3.Members are responsible for reviewing the current Terms and Conditions periodically to remain informed of any updates.