This Privacy Policy explains how CLOUDED EQUITY LTD ("we", "us"), the operator of Play Njangi (the mobile app and playnjangi.online), collects, uses and protects your personal information.
1. Information we collect
- Account details: your phone number and name.
- Security data: your PIN (stored only in scrambled, non-reversible form), verification codes, recognised devices and sign-in attempts.
- Group activity: the groups you create or join, your role, turn order, contributions, payouts, loans, invitations and messages shown in the group activity.
- Payment data: amounts, dates, payment method, transaction references and the Mobile Money numbers you verify. Card or wallet credentials are handled by our payment partner, never stored by us.
- Technical data: IP address, device and app version, notification token, and logs of requests made to our servers.
We do not collect your location, contacts, photos, camera or microphone data.
2. How we use your information
- To create and secure your account, including sending verification codes by SMS.
- To run your njangi groups: record contributions, organise turns and send payouts.
- To process payments and prevent fraud, abuse and unauthorised access.
- To send you service notifications (payments received, reminders, payouts). We never include amounts in phone push notifications.
- To provide support, keep records required by law and improve the service.
We do not sell your personal information and we do not use it for third-party advertising.
3. Who we share it with
- Members of your groups see your name, turn and payment status within that group.
- Service providers acting on our behalf: our payment partner (PlentiKash) and mobile network operators to move money, Twilio to deliver SMS codes, Expo to deliver push notifications, and our hosting provider.
- Authorities, when the law requires it or to protect the rights and safety of our users.
4. How long we keep it
We keep your information while your account is open. When you delete your account we remove or anonymise your personal details; records of money that moved are kept, without your identity where possible, for as long as financial and legal obligations require.
5. Security
Your data travels over encrypted connections. PINs and device keys are stored in non-reversible form, sensitive actions require your PIN, and repeated failed attempts are blocked. No system is perfectly secure, so please keep your PIN and codes private.
6. Your rights
You may access and correct your information in the app, delete your account from Profile → Delete account, and contact us to ask questions or object to a use of your data.
7. Children
Play Njangi is for adults only. We do not knowingly collect information from anyone under 18.
8. Changes
We may update this policy. The date and version at the top show when it last changed; we will tell you in the app about important changes.
9. Contact
CLOUDED EQUITY LTD, Douala, Cameroon — info@playnjangi.online