These Terms govern your use of Play Njangi (the mobile app and playnjangi.online), operated by CLOUDED EQUITY LTD ("we", "us"). By creating an account or using Play Njangi you accept these Terms and our Privacy Policy.
1. The service
Play Njangi helps members run rotating savings groups ("njangis"): members contribute a fixed amount each round and one member receives the pot in turn. Payments and payouts are processed by our payment partner, PlentiKash, through Mobile Money and the other methods shown in the app. We are not a bank and we do not hold your savings as deposits.
2. Your account
- You must be at least 18 years old and use a phone number that belongs to you.
- Keep your PIN and verification codes secret. Anyone using them can act on your account.
- Tell us immediately if you think your account has been used without your permission.
- We may block sign-in for a period after repeated failed attempts to protect your account.
3. Groups and contributions
- Each group sets its own rules (amount, frequency, turn order, penalties). Group creators and admins are responsible for managing their group fairly.
- By joining a group you commit to paying your contributions on time for the whole session, including after you have received your turn.
- Late or missing contributions may lead to penalties set by the group and may be shown to other members.
- We are not a party to the agreement between members and do not guarantee that other members will pay.
4. Payments, fees and payouts
- Contributions are paid through the methods offered in the app and may be subject to your provider's charges.
- A transaction fee, shown before you confirm, is deducted from each payout.
- A payment is complete only when our payment partner confirms it. Payouts are sent to the verified number you choose.
- Loans offered in the app are provided by PlentiKash under its own terms.
5. Acceptable use
You must not use Play Njangi for fraud, money laundering or any illegal activity, impersonate someone, harass other members, or try to break, overload or reverse engineer the service. We may suspend or close accounts that do.
6. Availability and liability
We work to keep Play Njangi available and accurate but cannot promise it will always be uninterrupted. To the extent the law allows, we are not liable for losses caused by other members, by mobile networks or payment providers, or by events outside our reasonable control.
7. Closing your account
You may delete your account in the app once you have no money pending in your groups. We may close an account that breaks these Terms. Obligations that already exist, such as unpaid contributions, survive closure.
8. Changes to these Terms
We may update these Terms. When a change is important, we raise the version number and ask you to accept the new Terms in the app before you continue.
9. Governing law
These Terms are governed by the laws of the Republic of Cameroon. Disputes will first be handled amicably and otherwise by the competent courts of Douala, Cameroon.
10. Contact
CLOUDED EQUITY LTD, Douala, Cameroon — info@playnjangi.online