Question 1

What is UnitySaver?

Accepted Answer

UnitySaver is the trusted digital version of sou-sou (also known as susu, partner, esusu, tanda, hui, and many other names across cultures). You join a group of 10 people, make fixed payments for 10 periods — either weekly (10 weeks total) or biweekly (every 2 weeks for 20 weeks total) — and at the END of the cycle, ALL 10 members receive their savings together. Unlike traditional sou-sou where one person gets paid each week, UnitySaver pays everyone at the same time — eliminating the risk of someone collecting their payout and disappearing. Same community. Same discipline. Zero risk.

Question 2

How is UnitySaver different from traditional sou-sou?

Accepted Answer

We kept everything you love and fixed the one thing that worried people. Traditional sou-sou rotates payouts — one person gets the pool each week. That works beautifully when everyone trusts each other, but it has a known weakness: someone can take their payout early and stop contributing, leaving the rest of the group at a loss. UnitySaver fixes this by paying ALL 10 members at the END of the cycle, simultaneously — whether you're in a Weekly (10 weeks) or Biweekly (20 weeks) group. Same 10 members. Same committed contributions. Same group chat, accountability, and community feel. ONE difference: nobody gets paid until everybody finishes. You win together, or nobody wins. We're not replacing sou-sou — we're protecting it.

Question 3

How much will I save?

Accepted Answer

You receive your full contribution back at cycle end. For example, if you save $100/week for 10 weeks, your total is $1,000 — and you receive the full $1,000 at cycle end. A small platform fee ($10 + 1.5% of your total savings = $25 for this example) is charged separately at group activation, NOT deducted from your savings. No interest is charged. There's also an optional Seed Contribution you can leave to support the community, but that's completely your choice.

Question 4

Is my money safe?

Accepted Answer

All payments are processed through PayPal, one of the world's most trusted payment platforms. Funds are held in a dedicated PayPal Business account managed by Andine's Place LLC exclusively for UnitySaver members.

Question 5

What happens if I miss a payment?

Accepted Answer

You'll receive reminders before and after the due date. A grace period of 3 days is given. After that, late fees may apply ($10–$25). Repeated missed payments may result in suspension and forfeiture of funds per the Member Agreement.

Question 6

How do I receive my savings?

Accepted Answer

At the end of your cycle (10 weeks for Weekly groups, 20 weeks for Biweekly groups), your total savings are sent to your PayPal account or bank account — your choice. Payouts are processed within 14 business days of cycle completion.

Question 7

Can I quit in the middle?

Accepted Answer

We strongly encourage every member to complete the full cycle — it benefits you and your entire group. However, if you absolutely must leave early, you can. Your contributions will be refunded minus a flat $150 termination fee. This fee exists to encourage commitment, not to make a profit.

Question 8

What is the termination fee and why do you charge it?

Accepted Answer

The termination fee is a flat $150, regardless of which group you're in. It is NOT a money-maker for UnitySaver. It exists purely as a deterrent to encourage members to finish their cycle (10 weeks for Weekly, 20 weeks for Biweekly). When you know there's a cost to quitting, you're more likely to push through and reach your savings goal. Think of it as a commitment guardrail — it protects you from giving up on yourself, and it protects your group from losing a member mid-cycle. If you complete all 10 payments, you never pay this fee.

Question 9

Is this legal?

Accepted Answer

Yes. UnitySaver operates as a private savings facilitation service under Andine's Place LLC. It is not a bank, credit union, or investment vehicle. No interest is charged or paid. Members voluntarily participate in a structured savings arrangement.

Question 10

What are the fees?

Accepted Answer

There is a platform fee of $10 plus 1.5% of your total cycle savings, charged separately at group activation (NOT deducted from your savings). For a $100 per payment saver, that's $25 total for the entire cycle (applies to both Weekly and Biweekly groups). The fee is collected as a one-time PayPal payment when your group fills and your cycle begins. PayPal also charges a small processing fee per transaction (2.99% + $0.49). There are no hidden fees — everything is disclosed upfront when you join.

Question 11

Can I pay biweekly instead of weekly?

Accepted Answer

Yes! UnitySaver now offers both Weekly and Biweekly payment schedules. Weekly groups pay every week for 10 weeks total. Biweekly groups pay every 2 weeks for 20 weeks total. Both schedules have exactly 10 payment periods and both pay everyone their full savings at the end. Pick the schedule that matches your paycheck — weekly is best if you're paid weekly, biweekly is best if you're paid every 2 weeks (common for salaried workers). When browsing plans, use the toggle at the top to filter by schedule.

Question 12

What is a Seed Contribution?

Accepted Answer

After you receive your payout, you'll have the option to leave a small voluntary Seed Contribution to support the UnitySaver community and help us keep the platform running. It's 100% optional — you can choose $5, $10, $25, a custom amount, or simply skip it. Think of it as planting a seed for the next group of savers.

Question 13

Can I withdraw money early in an emergency?

Accepted Answer

Yes — UnitySaver offers a one-time Midpoint Emergency Withdrawal. If you've made at least 5 consecutive on-time payments, you can apply to withdraw 50% of your savings between Week 5 and Week 6. A processing fee of $10 plus 1.5% of your total contributions applies. This requires admin approval and can only be used once per cycle. The remaining 50% continues in your cycle toward your final payout.

Question 14

Can I delete my account?

Accepted Answer

Yes. You have the right to permanently delete your account at any time from your Profile settings. All personal data will be erased, ID documents deleted immediately, and signed agreements archived for legal compliance (7 years). If you are in an active cycle, the $150 early termination fee applies. Any remaining balance after fees will be sent to your PayPal within 14 business days.

Question 15

How do I get help or support?

Accepted Answer

UnitySaver offers three support channels: live chat (powered by Tawk.to — available Mon-Fri 8am-4pm MST), email support at support@unitysaver.com (24-hour response time), and an in-app ticket system where you can track your request status. We are based in Arizona (MST) and do not observe Daylight Saving Time. You can also browse the FAQ for quick answers.

Question 16

Are there rules for the group chat?

Accepted Answer

Yes. All members must follow our Community Guidelines. The key rules: be respectful and encouraging, keep messages relevant to your savings group, no solicitation or self-promotion, no financial advice, protect your privacy, and zero tolerance for harassment or discrimination. Violations follow a 3-strike system: warning, 7-day mute, then permanent removal.

Question 17

Can I set up automatic payments?

Accepted Answer

Yes! Auto-Pay lets you set up automatic payments through PayPal so you never miss a due date. For Weekly groups, your payment method is charged automatically every week. For Biweekly groups, it charges automatically every 2 weeks. You'll receive a confirmation email after each payment. You can enable or disable auto-pay anytime from your Profile settings.

Question 18

Is there a referral program?

Accepted Answer

Yes! Every member gets a personal referral link. When you invite someone and they complete their first cycle (Weekly or Biweekly), you earn Priority Placement (front of the waitlist for your next group) and a Founding Member badge on your profile. Refer 3 or more members and your $10 flat fee is waived on your next cycle. Share your link via WhatsApp, email, or copy it from your Profile page. There's no limit to how many people you can refer.

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