The Afropolitan Reward Program (TARP) Guide

1. Introduction

The Afropolitan Reward Program (TARP) is a user-first benefits system developed to enhance lifestyle access and build affinity with The Afropolitan Residential Development. It enables both investors and non-investors to enjoy a uniform flat-rate discount at selected partner businesses and services. TARP also acts as a pipeline to convert non-investors into investors by offering a temporary taste of investor perks during the construction phase of the development.

TARP is designed around the following principles:

Simplicity: A single, easy-to-understand discount for all users.
Transparency: Clear rules for access and withdrawal.
Efficiency: Automated eligibility and settlement processes.
Fairness: Flat-rate access regardless of investment amount during the trial period.
Engagement: Behavioral incentives to upgrade tier status via investment.

2. Key Components

TARP Card: A restricted debit or prepaid card usable only at partnered businesses and locations.
Uniform Discount: All users, regardless of tier, receive the same negotiated best discount from service providers (e.g., 10 – 30%).
RMA Platform (Reward Management Agency): Central system for transaction tracking, verification, reconciliation, and communication.
Security Deposit Pool: A fund provided by the RMA on behalf of the community to protect service providers in case of failed transactions.
TARP Tiering: Five user tiers (0–4), only some of which grant permanent access. Tiers are based on investment and behavior during the 3.5–4-year construction period.

3. How TARP Works

3.1. Transaction flow

Card Presentation:

User presents the TARP card at a participating service provider (e.g., restaurant, transport, spa).

Eligibility Check:

The service provider system verifies the user’s tier and active status via the RMA platform.

Discount Application:

Discount pass-through shall align with prevailing TARP policies, including driving increased patronage.

Payment Completion:

The discounted amount is charged to the user’s TARP-linked account or wallet.

Fallback Mechanism:

If the RMA platform is temporarily unavailable, the service provider can manually verify the user’s status using a secure backup portal or mobile app before applying the discount.

3.2 Card Failure

Transaction Failure:

If the user’s TARP account has insufficient funds or there’s a technical failure, the service provider offers an alternative payment method.

Security Deposit Activation:

If the user cannot pay otherwise, the service provider contacts RMA to authorize payment from the Security Deposit pool.

User Notification:

The RMA notifies the user of the debt and repayment timeline.

Repayment:

Users must repay the amount within 14 days or:
- Opt into automated direct debit from linked bank account.
- Enter an installment repayment plan.

Penalties for Non-Payment:

5% late fee after the 14-day grace period.
TARP suspension until repayment.
Referral to collections if unpaid in 30 days.

3.3 Reconciliation

Service Providers:

Maintain transaction records and submit data to RMA for periodic reviews.

RMA:

Reconciles logs, validates discounts, and resolves anomalies.

Dispute Resolution:

The best-negotiated discount (e.g., 10–30%) is automatically applied to the final bill before payment is processed.
RMA resolves issues within 14 days.
Where partner agreements specify jurisdiction, those terms apply. Nigerian arbitration law governs where applicable.
Real-time dispute flagging is available via the RMA platform.

4. Security Deposit Protocol

Purpose:

Provides backup coverage for partner services when card transactions fail.

Funding:

Initial deposit funded by RMA (on behalf of The Afropolitan Community).
Users contribute a small refundable fee upon joining.

Rolling Reserve Fund:

Covers short-term gaps during multiple defaults.

Authorization Process:

Service provider contacts RMA.
RMA authorizes payment from deposit or reserve.

Repayment and Replenishment:

Users are obligated to repay borrowed funds within 14 days.
RMA automatically replenishes deposit pool upon repayment.

Based on the structure and logic of The Afropolitan Reward Program (TARP), here are suggested terms and policies for Refunds, Usage, and Replenishment of the Reserve Fund Pool. These additions aim to protect all stakeholders—users, service providers, and the RMA—while reinforcing the program’s principles of transparency, fairness, and efficiency.

Refund Policy, Usage and Management of The Reserve Funds Pool

A. Refund Policy

1. User-Initiated Refunds

Users are not eligible for refunds on amounts spent through TARP unless there is:
- A billing error (e.g., incorrect charge despite non-use).
- A dispute resolved in the user’s favor.
Refunds are only issued to the user’s TARP wallet or linked payment method.
Refund requests must be submitted within 7 days of the transaction date.

2. Refund Triggers Related to the Security Deposit

If a transaction is erroneously charged to the Security Deposit Pool due to:
- Service provider error, or
- RMA system malfunction

Then the Reserve Pool is refunded by the responsible party within 14 days.

3. Non-Usage Refunds (Joining Fee/Unused Balance)

If a user joins but never activates their card or makes a transaction within 30 days, they may request a one-time refundable processing fee refund, minus a $5 admin charge.
Unused balances in a user’s TARP wallet are refundable upon written request, subject to:
- A 14-day processing window, and

A 5% refund fee to cover administrative overhead.

B. Usage Terms for The Reserve Fund Pool

1. Scope of Use

The Reserve Fund Pool can be accessed only:
- When a user’s transaction fails due to insufficient funds, and
- When the user cannot provide an alternative payment method on-site.
It may not be used for:
- Cash advances,
- Purchases outside approved partner locations,
- Personal reimbursements.

2. Daily/Monthly Usage Cap

A monthly cap of 5% of the total Reserve Fund Pool value can be drawn down across all users, ensuring sustainable liquidity.

3. Transparency & Reporting

All Reserve Pool usage must be:
- Logged in real time on the RMA platform,
- Notified to the user within 1 hour via SMS/email,
- Reconciled daily and reviewed bi-weekly for anomalies.

C. Replenishment Terms for The Reserve Fund Pool

1. Automatic User Replenishment

Users who draw from the Reserve Fund are automatically enrolled in:
- Direct debit repayment (default method),
- Or prompted to select an installment repayment plan within 72 hours.
Full repayment is required within 14 calendar days of usage.

2. Penalties & Enforcement

Non-repayment leads to:
- A 5% late penalty after 14 days.
- TARP access suspension at 21 days.
- Referral to third-party collections if unpaid in 30 days.
Re-entry after default requires:
- Full repayment + 10% penalty.
- Optional Reserve Fund Reinstatement Fee to regain borrowing privileges.

3. Community Replenishment Triggers

If the Reserve Fund falls below 30% of its rolling average, the RMA may:
- Allocate a temporary top-up from community operational reserves.
- Collect mandatory contributions from active users (e.g., ₦500 one-time) if the shortfall continues for 60+ days.
- Trigger a review of usage thresholds and penalties to curb abuse.

4. Service Provider Contribution (Optional)

Partner service providers may be incentivized to contribute a micro-percentage (e.g., 0.5%) of successful TARP transactions into a shared “Stability Pool” that buffers the Reserve Fund in high-default scenarios.

D. Governance & Auditing of the Reserve Fund Pool

1. Governance

A quarterly audit is conducted by a third-party accountant to verify:
- Legitimate usage,
- Timely repayments,
- Adequacy of reserves.

2. Public Dashboard

A public-facing Reserve Fund Health Dashboard is displayed via the RMA, showing:
- Available pool balance,
- Monthly drawdowns,
- Repayment compliance rate,
- Outstanding defaults.

3. Emergency Governance Clause

In extreme circumstances (e.g., system-wide failure or fraud), the RMA may:
- Freeze all Reserve Pool access temporarily,
- Notify users and providers of remedial actions within 48 hours,
- Propose structural changes subject to community governance approval (if applicable).

5. RMA Platform

Core Functions:

Real-time transaction logging and user eligibility verification.
Settlement, reconciliation, and debt collection automation.
Custom dashboards for users, service providers, and internal teams.

Service Provider Portal:

Access to logs, reconciliation summaries, and dispute flags.

Automated Systems:

Sync with service provider POS systems to reduce manual data entry.
Automated alerts for repayment and system errors.

6. User Communication

Real-Time Notifications:

Users receive SMS/email for:
- Successful transactions.
- Failed payments.
- Repayment status.

Monthly Summaries:

Breakdown of TARP usage, active tier, balance, and any warnings or promotions.

Tiered Usage Milestones (Gamified Loyalty):

Bronze: 10 transactions → early access perks.
Silver: 25 transactions → extra entries for prize draws.
Gold: 50+ transactions → concierge or VIP upgrades.

7. Service Provider Training and Support

Training Onboarding:

Includes video tutorials, POS system integration guides, and mock transactions.

Ongoing Support:

Dedicated helpdesk and system changelogs.

Incentives:

Providers get promotional features and brand exposure based on transaction volume and user feedback.

8. Scalability Plan

Pilot Launch:

3–6 months in one Nigerian city.
- 3–5 top-tier providers.
- 500–1,000 users.

Metrics:

Track redemption rates, system uptime, and user conversions to investors.

Expansion Plan:

Integrate global users via virtual cards.
Ensure compliance with regional regulations (NDPR, GDPR, etc.).
Invest in infrastructure to prepare our partners for expansion beyond Lagos and abroad.

9. Fraud Prevention Measures

Transaction Monitoring:

Continuous AI-based behavioral tracking.

Suspicious Activity Flags:

E.g., multiple high-value redemptions, collusion patterns.

Fraud Escalation Process:

Temporary account suspension.
Human review.
Final resolution (penalty or permanent ban).

Spending Limits:

Caps to reduce abuse at Tier 0 and 1.

Service Provider Audits:

Randomized transaction audits to prevent collusion.

10. Data Security and Privacy

Regulatory Compliance:

NDPR, GDPR, and other applicable data laws.

Security Measures:

End-to-end encryption.
Regular third-party audits.
Role-based access control.

User Control:

Full opt-in/opt-out options.
Request mechanisms for data erasure or export.

11. Tier Retention and Exit Policy

TARP offers a flat discount to all tiers, but access permanence is based on investment tier and behavior.

Tier Overview

NDPR, GDPR, and other applicable data laws.

Tier	Investment Amount	Access Duration	Permanence Path
Tier 5 (Each individual)	$50,000+	Immediate	Permanent
Tier 4 (Each individual in a club)	$10,000 – $49,999	Immediate	Permanent
Tier 3 (Each individual in a club)	$5,001–$9,999	Until construction ends (3.5–4 years)	Eligible after 36 months
Tier 2 (Each individual in a club)	$2,001–$5,00	24 months	Not Eligible
Tier 1 (Each individual in a club)	$100–$2,000	12 months	Not Eligible
Tier 0 (Each individual in a club)	None (Non-Investor)	6–12 months trial	Not Eligible

What Happens If…..

Tiered Service Differentiation (Alignment with Partner SLAs):

Tier 1 & 2

Pull out early: Immediate TARP access revocation.
Fail to upgrade before expiry: TARP access automatically ends.
Upgrade before expiry: Timer resets and aligns with new tier rules.
Rejoin later: Must re-invest under current tier terms; no legacy perks.

Tier 3

Pull out before 36 months: Permanence eligibility is forfeited. Access is revoked.
No pull-out: Access continues, and permanence is granted post-36 months.

Tier 4

Pull out early: TARP access continues for the rest of the current calendar year only. Then revoked.
Re-invest after pull-out: Must re-qualify for Tier 4 under current rules. Permanence is not carried forward.

Automation & Tracking:

RMA platform tracks time in tier and investment history in real time.
Automated tier expiry alerts and upgrade prompts are sent at critical points (e.g., 30, 14, and 7 days before expiry).

While all TARP users currently enjoy a uniform negotiated discount across partner services, tiers may influence the nature, quality, or scope of non-pricing benefits such as service prioritization, special packaging, eligibility for concierge features, and exclusive member experiences.

These service-tier relationships may be further defined within individual service provider agreements (e.g., SLAs), and RMA reserves the right to implement or reintroduce tier-based benefit models in response to strategic partnerships or user behavior. Any such changes will be reflected in future updates to this Guide.”

Partner Agreement Coordination

This document operates in conjunction with the most current version of The Afropolitan Reward Program (TARP) Guide and is subject to its evolving policies, governance structures, and operational protocols.

In the event of any procedural discrepancy or interpretive conflict between this Agreement and the TARP Guide:

Functional Continuity shall be preserved by prioritizing the intent of both documents, with a preference for operational harmonization rather than legal contradiction.
Clarifying Addenda or Side Letters may be issued by TAASL and the Service Provider to interpret or supplement specific clauses as necessary, without requiring full renegotiation of this Agreement.
Where the TARP Guide introduces policy changes affecting partner obligations, workflows, or integration logic, the Service Provider shall be notified in writing and granted a reasonable adjustment period (not less than 30 days) before enforcement.
If alignment cannot be achieved via addenda, the prevailing document shall be the one most recently updated, unless otherwise agreed in writing.

This clause shall not alter the governing law, dispute resolution terms, or financial obligations established in this Agreement but is intended to support agile and collaborative policy implementation between the Parties.

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Unit 1 Block C, Plot C, 5th Avenue Banana Island Ikoyi, Lagos Nigeria

+234 812 000 0001, +234 907 808 0743

info@theafropolitanapartments.com

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