Legal document
Legal notice
This notice states who publishes this site, who answers for it, where it runs, and the instruments it is published under. It is the identification notice expected of anyone offering a service to the public over a network in Cameroon.
Last updated: 28 October 2026
Contents
- 1. Publisher
- 2. Director of publication
- 3. Hosting
- 4. Contact
- 5. What this service is, in law
- 6. Regulatory status
- 7. Personal data
- 8. Intellectual property
- 9. Consumer information and withdrawal
- 10. Applicable law and jurisdiction
- 11. Reporting unlawful content or a security problem
- 12. Status of this notice and how it changes
1. Publisher
The Njangi website and the console it links to are published by Mr Brayan Darwin Mekontso, who publishes and trades in his own name as a natural person established in Cameroon. His address is Kotto, Douala, Cameroon, it is the address at which he accepts formal notice, and he is reachable by telephone on +237 693 19 93 71. Those are the three particulars article 15(1) of Law No. 2010/021 of 21 December 2010 governing electronic commerce in Cameroon requires a seller to give the consumer clearly and before the contract is concluded, namely identity, address and telephone, and Decree No. 2011/1521/PM of 11 June 2011 fixes the items an electronic offer must carry alongside them. The publisher is an individual and not a company: there is no legal form, no share capital, no registered office distinct from the address above and no corporate representative, and nothing in these pages should be read as implying any of them. The contact page reaches him, and the person responsible for publication named in the next clause is the same person.
2. Director of publication
The person responsible for publication is Mr Brayan Darwin Mekontso, the same person who publishes the site and in that same capacity. Where a publisher is a company the director of publication is ordinarily its legal representative; here the publisher is a natural person, so there is no separate officer to appoint and no second name to give. Editorial responsibility is his as well, and he is reachable at the address and on the telephone number in clause 1, and through the contact page. The role is stated rather than left out because it fixes who answers for what appears on these pages, including anything a visitor submits that is afterwards displayed.
3. Hosting
The service runs on a virtual private server rented from Hostinger, on which the publisher operates its own Coolify instance and deploys this site. Hostinger's offices are at Jonavos str. 60C, 44192 Kaunas, Lithuania, and it is reachable through the support channels published on its own site. The division of responsibility follows from that arrangement and is worth stating plainly: Hostinger supplies and operates the machine and the network, while the publisher administers the operating system, the Coolify installation and this application, so a question about what these pages contain goes to the publisher and not to the host. The server is provisioned in Manchester, in the United Kingdom, and that is where the data these pages handle physically sits. It is a legal fact and not merely an operational one: the region is outside Cameroon, so every request to this site is already a transfer abroad within the meaning of the data protection law named below, and the transfers clause of the privacy page is written on that footing rather than on the expectation of a local region. The United Kingdom applies a data protection regime of its own, the UK General Data Protection Regulation read with the Data Protection Act 2018. That is a fact about the protection the destination offers, not a finding Cameroonian law has made about it: the authority that would assess adequacy and authorise the transfer in advance does not exist yet, as clause 7 records.
4. Contact
Anything addressed to the publisher can be sent through the contact page, which reaches the team by email and is the right starting point for a question about this notice, a request concerning your personal data, a complaint, or a report of unlawful content. A reply goes to the address you give and nowhere else. Where a matter needs a written record or a served document, ask on the contact page for the publisher's postal address and it will be given to you.
5. What this service is, in law
Njangi is software that keeps the record of a savings circle: who belongs to it, what each member agreed to contribute, what has actually been paid, and whose turn it is to receive the pot. It is not a bank, not a microfinance institution, not an electronic money issuer and not a payment institution; it takes no deposit in its own name and it lends nothing. That distinction is drawn against real licensing regimes rather than offered as a form of words. Under the CEMAC regulation on payment services, only credit institutions, microfinance institutions and licensed payment institutions may provide payment services, each on an approval granted by the national monetary authority after a binding opinion of the Central African Banking Commission, and microfinance activity is subject to its own approval under the CEMAC microfinance regulation. Money moves between members through licensed mobile money operators and the payment providers this service is connected to, under those providers' own terms, and the publisher holds no member's funds on its own account. The obligations inside a circle run between its members, which is the subject of the terms of service rather than of this notice.
6. Regulatory status
The publisher holds no approval for a regulated activity, and he holds no money belonging to anybody else. No account is opened in a member's name, and no contribution rests in an account he controls: a payment leaves the member's own mobile money account and reaches its destination through a licensed payment operator, KPay, and what this service does is record which circle a movement belongs to and instruct that operator to make it. CEMAC Regulation No. 04/18 of 21 December 2018 reserves the provision of payment services to licensed establishments, and that is the distinction it turns on: the establishment executing the payment is the licensed operator, and the publisher does not execute it. Should the arrangement ever change so that funds come to rest anywhere he controls, this clause stops being true and the approval it would then call for has to be settled before such a change is released. The CEMAC regulation of 11 April 2016 on preventing and suppressing money laundering, terrorist financing and proliferation in Central Africa, as since revised, applies directly in Cameroon. The identification and reporting duties it imposes fall first on the licensed operators through which the movements pass, and the publisher cooperates with them and with the National Financial Investigation Agency where required rather than standing in their place. Where a suspicious transaction report is made, it cannot be disclosed to the person it concerns.
7. Personal data
What this website does with information about you is set out in full on the privacy page, which is written from the code that runs these pages rather than from a template. The instruments governing it are named here. Law No. 2024/017 of 23 December 2024 relating to personal data protection is Cameroon's dedicated statute on the subject, alongside Law No. 2010/012 of 21 December 2010 on cybersecurity and cybercrime, which continues to apply. The compliance period it allowed controllers, of eighteen months from promulgation, expired on 23 June 2026, so it binds now rather than eventually. It establishes a Personal Data Protection Authority whose organising decree had not been published when this notice was last updated, so the prior-authorisation and complaint procedures it provides for cannot yet be used in practice; the privacy page says what holds in the meantime. The Law also restricts transfers of personal data outside Cameroon to destinations ensuring an adequate level of protection, which is the rule the region named in clause 3 engages, that region being outside Cameroon. Cameroon has signed but not ratified the African Union Convention on Cyber Security and Personal Data Protection, in force since 8 June 2023, so that Convention reaches the publisher only indirectly. Where a visitor is in the European Union, the General Data Protection Regulation may apply of its own force under its article 3, independently of Cameroonian law.
8. Intellectual property
The name Njangi as used here, the wordmark, the page designs, the text, the illustrations and the code of this site belong to the publisher or are used by it with permission. They are protected in Cameroon by Law No. 2000/011 of 19 December 2000 on copyright and neighbouring rights, which protects a work by the mere fact of its creation and for the author's life and fifty years afterwards, and, so far as distinctive signs are concerned, by the Bangui Agreement administered by the African Intellectual Property Organisation, to which Cameroon is a party. You are welcome to link to any page on this site, and quoting a short passage with the source named is ordinary practice the law allows for. Reproducing a page, a design or the code, or using the name or the wordmark in a way that suggests a connection that does not exist, needs written permission, and the contact page is the way to ask for it.
9. Consumer information and withdrawal
A visitor who takes a paid plan does so as a consumer, and two Cameroonian texts fix what must be told to them and when. Framework Law No. 2011/012 of 6 May 2011 on consumer protection in Cameroon, supplemented by Law No. 2015/018 of 21 December 2015 governing commercial activity, requires the essential characteristics of the service and its price and terms to be given before the contract is made. Law No. 2010/021 on electronic commerce adds, in its article 19, that the seller must on request provide a document carrying all the data of the transaction within ten days of the contract being concluded, and, in its article 20, a right for the consumer to withdraw within fifteen days, on the conditions that article sets out. Those rights attach to what the publisher actually sells, which is a subscription to software. They do not and cannot attach to the money members move between themselves inside a circle, because that money is neither sold by the publisher nor held by it, and the refunds page explains which of them can be given back.
10. Applicable law and jurisdiction
This notice and the use of this site are governed by Cameroonian law, and a dispute that cannot be settled between the parties falls to the competent Cameroonian courts, the courts of Douala being the ordinary forum as the publisher's place of establishment. The publisher being established in Cameroon is what settles both of those: the OHADA uniform acts apply directly as part of Cameroonian law, and a question of their interpretation may be referred to the Common Court of Justice and Arbitration. The implementing decree of the electronic commerce law requires a provider established in a third country to specify the applicable law and to obtain the recipient's consent to it. That requirement does not bite here, precisely because the publisher is established in Cameroon and not in a third country, and it is the reason this clause is worth stating rather than leaving to be inferred. A consumer's own right to sue where they live, under the law that protects them, is not displaced by a clause in a notice.
11. Reporting unlawful content or a security problem
If something on this site appears unlawful, or if you believe you have found a security weakness in it, the contact page is the route, and the publisher would rather hear it early than late. A report naming the page and what you saw is enough to start with. Please do not test a weakness against other people's data while you wait for an answer. Law No. 2010/012 of 21 December 2010 on cybersecurity and cybercrime defines the offences that apply to attacks on a system of this kind and gives the National Agency for Information and Communication Technologies its role in the security of networks in Cameroon, and Law No. 2010/013 of the same date governs electronic communications. Nothing in this clause asks you to waive a right or promises you immunity: it says where to send a report, and that it will be read.
12. Status of this notice and how it changes
This notice changes when the facts in it change: a new registered office, a different host or region, an approval obtained, a clause settled. The date shown at the top is when it was last changed, and it is a real date rather than the day you happen to be reading it. Two things should be said about its standing. It is an identification document and not legal advice to the reader. And the bracketed fields above are work still outstanding, each one leaving its clause labelled as unsettled until it is filled, so this is not yet the complete notice the texts cited above require; it should be read and settled with a lawyer admitted in Cameroon before the service is offered commercially, in particular on the regulatory status of the activity and on the limitation of liability, which belongs to the terms of service rather than here.