Returns Policy

1.Overview

Mjengo Challenge is primarily a savings platform, not a traditional retail store — most of what you're paying toward is a shared, ongoing group commitment rather than a single item you can send back. Because of that, our "returns" policy has two parts: how we handle you stepping away from a Challenge or Group before it's complete, and how we handle returns on materials you've directly purchased or received through Lipa Kidogo.

2.Leaving a Savings Challenge

• Before the challenge fills up (status: waiting): you can leave freely, no payments will have been collected yet since payments only open once a challenge is full.
• After the challenge is active and you've made payments: contributions made toward an active challenge are treated as a binding savings commitment shared with the other participants who are relying on the challenge completing. We don't offer instant, automatic refunds through the app for payments already made toward an active challenge. If your circumstances genuinely require withdrawing your contributions, contact support — requests are reviewed individually, since your payments are already part of the group's combined progress toward its material order.

3.Leaving a Group

• You can leave a group any time before its payment schedule has started.
• Once a group's installment schedule is active, membership is locked in for the remainder of the cycle in the app — the same reasoning as challenges applies: your installments are pooled with the rest of the group toward one combined material order. Contact support if you need to discuss an exception.

4.Penalties Are Non-Refundable

Late-payment penalties applied to your challenge or group account are not refunded once charged, except where we determine — at our discretion, on a case-by-case review — that the penalty resulted from a platform or payment-processing error rather than a genuinely late payment. If you believe a penalty was applied in error, contact support with your payment reference and we'll review it.

5.Coupon Codes

Group coupon codes have no cash value, are non-transferable outside of genuine group membership, and cannot be exchanged or refunded.

6.Returning Delivered Materials

Once a challenge or group completes and materials are delivered to you:

• Materials found to be damaged, defective, or not matching what you ordered can be reported for a return, replacement, or credit — let us know within 7 days of collection or delivery.
• Materials must be unused and, where applicable, in their original packaging for us to accept a return.
• Materials that were delivered correctly and match the order are not eligible for return simply on change of mind, given they were selected and paid for as part of your challenge or group.

7.Lipa Kidogo & Direct Purchase Cancellations

• Direct Purchase: if materials haven't yet been dispatched or handed over, contact support as soon as possible to request cancellation. Once materials are released to you, the return terms in section 6 apply.
• Lipa Kidogo (installment purchase): if you need to cancel before completing your installments, contact support — installments already paid toward materials not yet released will be reviewed on a case-by-case basis, since a Lipa Kidogo order may already be reserved for you specifically.

8.How to Request a Refund or Return

Contact our support team with:

• Your account name or phone number,
• The challenge, group, or order reference, and
• A short description of the issue.

We aim to respond to every request within a few working days. Reach us at mjengochallenge@oweru.com or +255 716 941 564.