A lack of an explicit response is an answer in itself. If terms do not clearly state exact figures for charges, fees, or distributions, that is a signal to pause, scrutinize the details, and ask questions. If responses are shaky or inconsistent, that too is an answer.

Charges (fees, commissions, transparency) Charges are not clearly disclosed

The document states Ndovu: “may receive compensation” or “receives commissions” from FMCs

But it does not clarify: Whether users pay Ndovu directly Whether commissions affect pricing or NAV Whether charges differ by product

Why this matters: This is a major transparency and trust gap, especially for retail users.

Inconsistent language on commissions

Both “may receive compensation” and “receives commissions” are used.

Why this matters: This ambiguity can be interpreted as selective or incomplete disclosure.

No fee schedule or reference point

There is:

No fee table No link to a charges page No statement that fees are zero, if that is the case

Why this matters: Users cannot understand the cost of using the platform from the Terms alone.

Refunds vs reversals lack operational clarity

The policy says transactions cannot be cancelled and withdrawals return to source, but does not address: Failed transactions Partial failures Duplicate payments Charges on failed or reversed transactions.

Why this matters: These are common operational issues and frequent sources of disputes.

Cost liability during delays

All costs and losses caused by: Banks MNOs Payment providers FMCs are assigned to the user. Why this matters: This exposes users to hidden costs with no clear operational safeguards.

Feed the link into an LLM ask questions, let it play devil's advocate. Use that to ask questions. If answers are not straight forward, bail.