GETTING STARTED ON KINDHEARTCICS
1. Registration:
You can register through the following registration channels:
A). Website: Click on the Login/Registration button and fill in your details correctly.
B). Via WhatsApp: You can register via our WhatsApp registration channel. You provide your details to an agent and the agent will help you in creating your account.
C). Office: You can come to the office where an agent will help you in creating your account
After a successful registration, you will now be able to log into your account, then Proceed to make payment of N2000 for the Registration/Upgrade fees.
N2000 Payment for Registration fees should be paid into the KindHeartCICS Bank Account and payment proof sent to our WhatsApp number 09060006806 for update and upgrade of saving plan.
NB: IF YOU UPLOADED A FAKE PAYMENT PROOF, YOUR ACCOUNT WOULD BE DEACTIVATED AND WOULD NOT HAVE ACCESS TO LOGIN USING YOUR CREDENTIALS.
2. Payments:
You will be able to make payments into your accounts via the following Payment Channels.
A). Manual Payment: Payments can be made to any of our designated Bank Accounts and proof of payment sent to our designated payment whatsapp number for the account to be funded/updated. Please, note that payments via this method can take between 30 minutes and 48 hours for the payment to be updated.
B). Auto Payment: You can fund your account directly via our auto payment channel. This is the most suitable payment method as money paid will auto reflect in your account
3. Contribution Duration:
The duration for the contribution is 26 weeks of N1300 per week. Contributions can be either weekly or upfront.
The duration for the contribution is 26 weeks of N1300 per week. Contributions can be either weekly or upfront.
A). Weekly Payments: Contribution of N1300 can be made weekly and payment must be made latest by 11.59 pm on the day before your payment date. For example, if your Payment date is Monday, YOU MUST MAKE PAYMENT BY 11.59pm ON SUNDAY.
B). Upfront Payments: Contributions can be made upfront. This is the most advisable method of funding your account as it reduces the stress associated with weekly payment plans.
NOTE.
Your payment cycle day is determined by the day you activate your savings. If you activate on Monday, your payment cycle is every Monday. Activate on Tuesday, Payment cycle will be on Tuesdays.
Your payment cycle day is determined by the day you activate your savings. If you activate on Monday, your payment cycle is every Monday. Activate on Tuesday, Payment cycle will be on Tuesdays.
4. DEFAULT:
Failure to make your payment before the due date results in default. The default amount is N1000 per default per account.
If default amount is not paid, the account will not qualify for Super Dividend.
5. Referral/Downline:
All participants are expected to refer one active downline not more than 10 weeks into their contribution. Any account that fails to refer a Downline will not qualify for the Super Dividend. Such accounts will collect the total of their contribution less the clearance and Withdrawal fees at the end of the 26 weeks cycle.
6. Clearance and Withdrawal Request:
At the end of the 26 weeks contribution, each participant participant will fill and submit the clearance and Withdrawal Request form.
7. Clearance Fee and Transaction Fee:
Clearance fee of N2000 and Transaction Fee of N1300 will be deducted from the total contribution of N33800 leaving a balance of N30500.
8. Super Dividend:
Super Dividend will be paid after the 3rd working day after the submission of the withdrawal request.
It will comprise of N30500 from contribution, N10000 cash and N10000 worth of food items bringing the total to N50500.
Please note that the food items can be swapped for cash but note that this will attract a swap fee to be determined by KindHeartCICS
9. Continuation of old accounts:
Participants can decide to withdraw only the Super Dividend (N10000 cash payment and N10000 worth of Food Items) while they deposit the N30500 for another 26 weeks. They only need to pay extra of N4000. N2000 is for registration and N2000 for clearance.
Please note that reusing your complete balance to start another cycle will not attract the account to refer a downline.
It is important to point out that KindHeartCICS is not running an INVESTMENT SCHEME OR A GET RICH SCHEME.
WE ARE A REGISTERED COOPERATIVE SOCIETY USING MEMBERS CONTRIBUTIONS FOR BUYING AND SELLING BUSINESS.
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