Last updated: February 06, 2026
By using the Joy Global platform, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.
You are responsible for maintaining the confidentiality of your account credentials. You must provide accurate and complete information during registration and keep your KYC documents up to date.
When you choose a savings plan, you agree to the specific duration and target amount set for that plan. Withdrawals are generally processed upon maturity. Early withdrawals may be subject to penalties to preserve the integrity of the savings pool.
You agree not to use Joy Global for any unlawful purposes, including money laundering or fraudulent activities. We reserve the right to suspend any account found in violation of our security and compliance policies.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.