QLoJo Terms of Use

General
2

LAST VERSION - NOT IN USE ( for reference only) :warning: :warning::warning:

Version: 1.1 | Updated: [November 13, 2025]
Link: https://www.qlojo.ai/t/qlojo-terms-and-conditions/142

Welcome to QLoJo: Quality Local Jobs for Africa.
By accessing or using this platform, you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully.

1. About QLoJo

QLoJo is an Afrofuturist innovation system designed to coordinate the creation of quality local jobs across Africa. It enables contributors, validators, enterprises, and stakeholders to build real ventures together through:

  • Task proposals, submissions, and on-ledger work records

  • Tokenized Receivables (invoice-backed digital proofs of work)

  • Structured validation and verification processes

  • Community discussions, templates, and shared resources

  • Access to global and local knowledge sources

QLoJo is not a debtor, employer, financial institution, or guarantor of payment. It provides digital coordination tools and a public collaboration space where work, ownership, and enterprise activity are transparently recorded.

2. Definitions

  • Contributor: A registered member who proposes or completes tasks. A registered user who proposes, completes, or participates in tasks that support the development of an enterprise.

  • Validator: A trained member authorized to review, approve, or reject task submissions and the associated Tokenized Receivables based on predefined templates and quality standards.

  • Moderators: A member responsible for ensuring discussions, posts, and task submissions follow platform templates, community guidelines, and the Terms of Use. Moderators do not allocate ownership or appoint founders.

  • Backer: A participant who fully or partially pre-funds a task by advancing resources to a contributor before or during the work. In return, the backer receives the resulting Tokenized Receivable once the task is validated. Backers operate as task-level partners, not employers, and their support does not create an employment relationship or guarantee of work. Their role is to enable contributors to perform tasks earlier or at greater capacity while holding the receivable generated from that work.

  • Factor: A participant who purchases validated Tokenized Receivables at a discount, providing contributors with early liquidity. Factoring creates a legally recognized financial transaction in which the factor assumes the right to collect the receivable from the enterprise. Factors operate under commercial or financial-services rules applicable to receivable financing.

  • Enterprise: A legally recognized entity formed from a QLoJo project that formally adopts provisional receivables and invoices issued on the platform as enforceable financial obligations.

  • Tokenized Receivable (“NFT Invoice”): A blockchain-recorded digital receivable linked to a validated task, representing work completed by a contributor and payment owed by the enterprise

  • Platform: The QLoJo ecosystem, including its website, forum, tools, templates, automated systems, and any related digital services used for coordination and record-keeping.

  • Registered IP Owner: A user who holds a legally registered patent, design, trademark, or other protectable form of intellectual property that may influence the development of an enterprise.

  • Novation: The transfer or substitution of a contractual obligation, typically shifting a provisional receivable owed to a contributor into a binding receivable owed by a registered enterprise, carried out with mutual consent.

  • Access Tier: The user’s subscription or participation category, determining features, permissions, and platform capabilities available to the user.

  • Community Launch Allocation: A discretionary allocation of early enterprise shares or tokens reserved for eligible contributors during formation or launch phases, distributed in accordance with applicable laws and stated enterprise rules.

3. User Eligibility

  • Age Requirement: You must be at least 18 years old to use the Platform or participate in any task, validation, enterprise activity, or receivable transaction.

  • Accurate Information: You must provide truthful, accurate, and verifiable information during registration and during any identity verification (KYC) processes required by an enterprise, factor, or backer

  • Account & Wallet Security: You are solely responsible for maintaining the security and confidentiality of your account credentials, passwords, authentication methods, and any connected digital wallet login credentials and wallet keys.

  • Legal Compliance: You may not use QLoJo if you are prohibited, restricted, or barred from participating under the laws of your country, region, or jurisdiction, including restrictions related to digital assets, financial activity, age limits, sanctions, or data regulations.

4. Use of the Platform

4.1 By using QLoJo, you agree to:

  • Follow the Community Guidelines and respect other members.

  • Do not post harmful, fraudulent, defamatory, or illegal content.

  • Respect the intellectual property of others.

  • Avoid activities that could disrupt, overload, or harm the platform or its users.

4.2 Access Tiers (Effective Novermber 2025)

  • Free Tier:
    Grants read-only access to browse public discussions, enterprise proposals, and open resources. Free Tier users cannot submit tasks, receive Tokenized Receivables, validate work, or participate in enterprise formation.

  • Contributor Tier (USD $2/month):
    Required for submitting tasks, earning Tokenized Receivables, validating work, proposing or improving enterprise concepts, participating in formation processes, and accessing contributor-only templates, tools, and coordination spaces.

  • Clarification:
    Subscription fees grant access to digital tools, coordination features, and community functions. A subscription does not:

    • constitute wages or compensation

    • create employment or contractor status

    • provide rights to profits, dividends, or financial returns

    • represent an investment, equity purchase, or security

    • guarantee task acceptance, receivable issuance, or enterprise participation

    It is purely a platform access fee, enabling eligible users to participate in work, validation, and enterprise coordination activities.

5. Wallets and Tokenized Assets

  • QLoJo is a non-custodial platform. You retain full control of your wallets and private keys.

  • QLoJo does not store, hold, or manage user funds or digital assets.

  • You bear sole responsibility for securing your digital wallets and for any loss arising from private key exposure or misuse.

  • Users must comply with local laws governing cryptocurrency, tokens, or digital asset transfers.

6. Tokenized Receivables (“NFT Invoices”)

6.1 Nature and Purpose

  • Tokenized Receivables (“NFT Invoices”) are digital coordination records representing receivables owed for validated tasks, deliverables, or approved IP-license proposals.. They do not constitute securities, debt instruments, investment contracts, promises of profit or employment compensation.
  • They function solely as transparent, on-ledger proofs of validated work.

6.2 Provisional Status

  • All NFT invoices are provisional until a corresponding enterprise is legally incorporated and expressly adopts them. Until adoption, no entity, including QLoJo, is obligated to pay them.

6.3 Enterprise Liability

  • Only a legally incorporated enterprise may assume payment obligations for a novated invoice. QLoJo never owes contributors any amount, is not a debtor, is not a guarantor, does not underwrite enterprise liquidity
  • All financial obligations lie with the enterprise that adopts the receivable.

6.4 Novation of Invoices

  • Upon enterprise formation, contributors, validators, and enterprise representatives may mutually agree, in writing, on- or off-chain, to novate provisional invoices into binding enterprise payables. QLoJo is not a party to the novation, does not negotiate, supervise, or enforce the agreement, bears no liability for payment or performance
  • Novation is a private contractual action between contributors and the enterprise.

6.5 Transferability

  • NFT Invoices may be transferred or sold only between whitelisted wallets approved by the enterprise or relevant marketplace. All secondary transfers; occur voluntarily, are executed at the participants’ own risk, do not involve QLoJo as counterparty or guarantor

6.6 FX Handling

  • Foreign-exchange (FX) rates shown at validation are for information only. Prevailing market rates apply at settlement.

6.7 Late Payment Interest

  • If a novated invoice includes late-payment interest, such interest; accrues solely to the invoice holder, and is determined privately between the enterprise and contributors/factors.
  • QLoJo does not receive, set, or administer any late-payment interest.

6.8 Enterprise-Set Late Payment Fees on Launch Debt

An enterprise may choose to convert unpaid, validated NFT Invoices into launch-day enterprise obligations (“Launch Debt”). In doing so, the enterprise may apply commercial late-payment fees, typically 1%–1.5% per month, or any legally permitted rate.

These fees:

  • compensate invoice holders and liquidity providers

  • do not constitute an investment product

  • do not convert receivables into yield-bearing instruments

  • are solely determined and administered by the enterprise

QLoJo does not set, mandate, process, or guarantee any such fees.

6.9 Community Launch Allocation (Contributor Equity Pool)

Priority Job Consideration

  • Enterprises formed from QLoJo-coordinated activity may, at their discretion, provide priority consideration for internships, contract roles, or employment to contributors whose validated work demonstrates a strong skills match.
  • QLoJo does not guarantee employment, is not a party to any employment decisions, is not an employer in this relationship

Enterprise Formation Contribution (Contributors, validators or funders shares stake)

An enterprise may choose, entirely at its own discretion, to reserve a portion of its initial share or token issuance, typically 2%–5%, for early contributors, validators, or backers.

Where legally permissible, such allocations may include a modest discount, typically 10%–20% below the price offered to external investors in the same round.

All such allocations:

  • Must be conducted off-platform,

  • Are governed solely by the enterprise,

  • Require compliance with applicable securities, corporate, and crowdfunding laws, and

  • are not guaranteed to any contributor or participant

  • do not involve QLoJo in marketing, structuring, or distributing securities

Enterprise Formation Contribution (QLoJo Equity Stake)

When a QLoJo-coordinated project evolves into a formal enterprise (including but not limited to a corporation, cooperative, partnership, or other legal entity), the founding parties agree that QLoJo Ltd (or a designated QLoJo entity) will receive 1% of the fully diluted equity of the newly formed enterprise, in recognition of the coordination tools, platform infrastructure, governance templates, validation systems, and community engine provided by QLoJo.

This equity:

  • is non-dilutable up to a reasonable valuation cap determined by the enterprise at incorporation,

  • becomes dilutable afterwards

  • is not a fee charged to contributors

  • is not an ownership claim over contributor outputs, and

  • is a standard practice for platform-based enterprise formation.

This allocation does not obligate QLoJo to participate in enterprise governance.

7. Payments & Risks

7.1 No Payment Guarantee
QLoJo does not make, guarantee, underwrite, or insure any payment related to provisional or novated invoices. QLoJo is not a debtor, employer, lender, or financial intermediary.

7.2 Enterprise-Dependent Settlement
The settlement of any Tokenized Receivable depends solely on the financial capacity, liquidity, and operational performance of the enterprise that adopts the receivable.
Neither QLoJo nor its affiliates bear responsibility for enterprise cash flow or solvency.

7.3 No Assurance of Enterprise Formation
A project coordinated on the QLoJo platform may or may not evolve into a legally registered enterprise. There is no assurance that a project will incorporate, adopt invoices, or become operational.

7.4 No Assurance of Enterprise Payment Ability
Even if an enterprise is formed and adopts invoices, there is no guarantee that the enterprise will be able to:

  • pay all receivables

  • pay them on time

  • pay them in full

  • maintain long-term operational viability

Payment outcomes depend entirely on the enterprise’s real-world performance.

7.5 Participant Assumption of Risk
By participating on QLoJo, contributors, validators, backers, and factors acknowledge and accept the inherent risks of:

  • project non-completion

  • non-formation of enterprises

  • delayed or partial payments

  • enterprise failure

  • market, liquidity, and operational uncertainty

  • FX fluctuations

Users participate voluntarily and with full understanding that receivable values are not guaranteed.

8. Intellectual Property

8.1 Contributor Content

Content you create and post on QLoJo remains your intellectual property.
By submitting content, you grant QLoJo a non-exclusive, royalty-free, worldwide license to: host, display, store, index, transmit, and distribute

your content solely for platform operations, including coordination, validation, enterprise formation, documentation, and community learning.

This license does not transfer ownership to QLoJo.

8.2 QLoJo Open License (Default Community License)

Unless explicitly marked with a different license by the contributor, all community contributions, including posts, templates, designs, research notes, and discussion materials, are released under the QLoJo Open License, a hybrid of:

  • CC BY (attribution)

  • MIT License (software permissive reuse)

  • CERN-OHL (hardware documentation reuse)

This license permits others to: reuse, adapt, remix, and commercialize

your contributions, provided they give proper attribution to the original contributor.

This ensures community work can power enterprise creation while maintaining clear credit and provenance.

8.3 Registered IP Licensing via Invoice Proposals

Contributors who hold legally registered IP (patents, designs, trademarks, copyrights, or other protected works) may offer limited or conditional licenses to an enterprise through a Tokenized Receivable (“NFT Invoice”) proposal.

Each IP-related invoice must clearly specify: license scope, permitted uses, duration and territory, any proposed royalty or fee, any technical or safety constraints.

Acceptance of an IP invoice signals an intent to negotiate, not a final license.
A license becomes active only after explicit written or digital agreement among the relevant parties (the IP owner, the enterprise, and any required validators).

QLoJo is not a party to these IP agreements and bears no responsibility for their enforcement or commercial terms.

8.4 QLoJo Branding

All QLoJo trademarks, logos, names, system designs, brand elements, and proprietary platform materials are the exclusive property of QLoJo Ltd or its designated affiliates.

They may not be copied, modified, distributed, or used:

  • in marketing

  • in enterprise branding

  • in token or product creation

  • in derivative platforms

without prior written consent from QLoJo.

Permitted use cases (e.g., “Built with QLoJo”) may be provided separately under branded-use guidelines.

9. Privacy & Data Protection

9.1 Scope of Data Collected
QLoJo collects only the minimum personal data required to operate the platform, including:

  • account and identity information (where required)

  • participation and validation records

  • communication preferences

  • technical logs necessary for platform security

We do not collect unnecessary sensitive data.

9.2 Legal Compliance
All personal data is processed in accordance with the Kenya Data Protection Act (2019) and with comparable international standards, including:

  • GDPR (EU) principles of data minimization, purpose limitation, and user rights

  • global best practices for digital platforms and community environments

When enterprises require KYC or identity verification for invoice novation or factoring, such checks are conducted separately under enterprise responsibility.

9.3 No Sale of Personal Data
QLoJo does not sell, rent, trade, or license personal data to third parties for marketing or commercial gain.

9.4 Data Export and Deletion Rights
You may request:

  • a copy of your personal data (data export), or

  • deletion of your account and associated personal data

by emailing support@qlojo.ai.

Deletion requests are honored except where retention is:

  • legally required,

  • necessary for dispute resolution, or

  • tied to immutable on-chain records.

9.5 On-Chain Data Immutability
Some participation records, including Tokenized Receivables and validation metadata, may be stored on a blockchain.
Such records cannot be altered or deleted once published due to the inherent properties of distributed ledgers.

Where deletion is not technically possible, QLoJo will:

  • remove associated off-chain personal identifiers,

  • minimize any linkage to identifiable data, and

  • ensure the remaining on-chain data is pseudonymized to the maximum extent permitted by law.

9.6 Data Use for Platform Operations
Your data may be used to:

  • administer your account

  • maintain platform security

  • coordinate tasks and validations

  • generate enterprise formation records

  • support communication and notifications

  • comply with legal or regulatory obligations

No additional uses occur without your consent.

9.7 Cross-Border Processing
By using QLoJo, you acknowledge and consent that your data may be processed or stored in other jurisdictions that maintain adequate data-protection standards, including cloud infrastructure located outside Kenya.

10. Limitation of Liability

To the fullest extent permitted by applicable law:

10.1 No Liability for Enterprise or Payment Outcomes

QLoJo is not liable for:

  • unpaid or partially paid Tokenized Receivables,

  • project failure or non-formation of enterprises,

  • delayed or missing payments,

  • enterprise insolvency, liquidation, or operational loss.

All financial obligations lie solely with the enterprise that adopts a receivable.

10.2 No Liability for Indirect or Consequential Losses

QLoJo is not responsible for any: indirect, consequential, incidental, punitive, or special damages arising from your use of the platform, including loss of income, opportunities, reputation, profits, or data.

10.3 Platform Use at Your Own Risk

You acknowledge that:

  • QLoJo does not guarantee outcomes for tasks, validations, enterprise formation, receivable adoption, or enterprise performance.

  • QLoJo does not guarantee that the platform will be error-free, uninterrupted, or free of vulnerabilities.

Participation occurs at your own discretion and risk.

10.4 Sole and Exclusive Remedy

Your sole remedy for dissatisfaction with the platform, its tools, its processes, or any associated content is to stop using QLoJo.

This limitation applies even if other remedies would ordinarily be available under law.

11. Dispute Resolution

  • Disputes between contributors, validators, and enterprises should be resolved directly among the parties.

  • QLoJo may offer community mediation but is not an arbitrator.

  • Formal enforcement of novated invoices is subject to applicable national law (e.g., the Kenya Companies Act and contract law).

  • Users agree to attempt good-faith mediation before pursuing formal proceedings.

12. Termination of Use

You may close your QLoJo account at any time.
Account closure does not remove or alter:

  • on-chain records,

  • Tokenized Receivables,

  • validation metadata, or

  • contributions that form part of the public ledger.

These records remain permanently visible as part of the historical project archive.

12.2 Termination by QLoJo

QLoJo may suspend or terminate your access, in whole or in part, if you:

  • violate these Terms or Community Guidelines,

  • submit fraudulent, harmful, or deceptive content,

  • engage in harassment, abuse, or malicious behavior,

  • attempt to manipulate tasks, validations, or enterprise processes,

  • compromise platform security, data integrity, or member safety, or

  • misuse the platform in ways that harm the community or enterprises.

Suspension does not erase ledger entries associated with your past validated work.

12.3 Suspension and Termination Process

Where reasonable and appropriate, QLoJo will provide a written or electronic warning and an opportunity to correct the issue before taking action.

However, QLoJo reserves the right to immediately suspend or terminate access in cases involving:

  • serious misconduct,

  • repeated violations,

  • attempted system compromise,

  • evidence of fraud,

  • threats to user safety,

  • or legal or regulatory obligations that require urgent action.

12.4 Post-Termination Data Handling

Upon termination:

  • your login credentials and access privileges are deactivated, and

  • QLoJo may retain minimal records as required by law, security needs, or audit and compliance obligations.

Personal identifiers associated with off-chain data will be minimized or deleted except where retention is legally mandated.
On-chain data remains immutable and cannot be altered or removed.

13. Changes to Terms

QLoJo may update these terms from time to time.

  • Material changes will be announced through the forum or official channels at least 14 days prior to taking effect.

  • Continued use after the effective date constitutes acceptance of the revised terms.

14. Governing Law

These Terms are governed by, and shall be interpreted in accordance with, the laws of the Republic of Kenya, including applicable principles of English common law where relevant and not inconsistent with Kenyan law.

Use of the Platform from outside Kenya is permitted; however, you are solely responsible for complying with all laws, regulations, and restrictions applicable within your own jurisdiction. QLoJo does not represent that the Platform, Tokenized Receivables, or enterprise-formation processes are compliant with the laws of every country.

15. Contact

For questions, concerns, or requests regarding these terms:
legal@qlojo.ai | support@qlojo.ai

Important Disclaimer
Participation in QLoJo projects involves risk. There is no guarantee of enterprise formation, sustainability, or payment. NFT invoices are coordination records, not securities or guarantees. Contributors, validators, and funders participate voluntarily and at their own discretion. QLoJo is not a debtor, guarantor, or financial intermediary.