Legal document
Terms of service
Please read these terms before you create or join a circle: they say what this service undertakes to do, what it does not, and where the obligations of a circle actually lie. They cover the Njangi website and the console it links to, and they sit alongside the privacy policy, the legal notice and the refunds page.
Last updated: 28 October 2026
Contents
- 1. Who publishes this service
- 2. What these terms cover
- 3. What Njangi is, and what it is not
- 4. Your account
- 5. A circle is an agreement between its members
- 6. Contributions, payouts and the ledger
- 7. Fees, plans and billing
- 8. Leaving a circle, cancelling a plan
- 9. Acceptable use, suspension and reporting
- 10. Liability
- 11. Intellectual property
- 12. Personal data
- 13. Governing law and disputes
- 14. Changes to these terms
1. Who publishes this service
Njangi is published by Mr Brayan Darwin Mekontso, who trades in his own name as a natural person established in Cameroon. His address, which is also the address at which he accepts formal notice, and his telephone number are set out on the legal notice page, where Cameroonian e-commerce law expects a published service to carry them. They are not restated here so that there is one place to keep current rather than two. He is an individual and not a company, so these terms are an agreement between you and him rather than with a corporate entity, and the contact page reaches him.
2. What these terms cover
These terms govern the Njangi website and the console it links to. Using either means accepting them, and the version in force on the day you use the service is the one that applies to that use. They are concluded electronically: Law No. 2010/021 of 21 December 2010 governing electronic commerce, Law No. 2015/018 of 21 December 2015 governing commercial activity and the OHADA uniform act on general commercial law give an agreement reached and kept this way the force of a written one. They sit alongside the privacy policy, the legal notice and the refunds page, each of which covers its own ground.
3. What Njangi is, and what it is not
Njangi is software for running a savings circle: it records who is in a circle, what each member has agreed to contribute, what has actually been paid, and whose turn it is to receive the pot. It keeps the record. It is not a bank and it is not a microfinance institution: it takes no deposit in its own name and it lends nothing, which are the activities the CEMAC microfinance regulation reserves to licensed establishments. It is not a payment institution either: under CEMAC Regulation No. 04/18 of 21 December 2018, payment services may be provided in the region only by licensed credit institutions, microfinance institutions and payment institutions, and Njangi is none of those. Money moves between members through the licensed providers the service is connected to, and not through our own hands.
4. Your account
You need an account to use the console, and you are responsible for what is done through it. Keep your sign-in details to yourself, and tell us promptly if you believe someone else has them. You confirm that what you tell us is accurate and that you are entitled to use the number or address you sign in with. An account belongs to one person; a circle is where several people meet. We may ask you to confirm your identity before a circle moves money, and we may decline to open or to keep an account where that confirmation is refused.
5. A circle is an agreement between its members
This is the most important clause here. The obligations inside a circle run between the members of that circle. The rules a circle sets, the amount, the cycle, the order of payout and what happens when someone misses a contribution, are the members’ own, agreed between themselves. Njangi records those rules and holds everyone to the record. It does not become a party to them, does not guarantee that any member will pay, and cannot make a payout happen out of money that was never contributed.
6. Contributions, payouts and the ledger
Every movement of money is written to a ledger that balances, and a member can read their own history at any time. Contributions and payouts run through the payment providers the service is connected to, and those providers have their own terms, their own limits and their own timings. A payout is released when the record shows it is due and the money for it has been contributed, not before. Where a provider refuses, delays or reverses a transfer, the ledger records what actually happened rather than what was intended, and it is the record that governs.
7. Fees, plans and billing
Some features are offered on a paid plan. The plan, what it includes and its price are shown before you choose it, and the price you are shown is the price charged, as Cameroonian consumer protection and e-commerce law require. A change in price applies from your next billing period and never retroactively. Charges raised by a mobile money operator or another payment provider are that provider’s own and are additional. Fees for the service are separate from the money that moves inside a circle, and the refunds page explains which of the two can be given back.
8. Leaving a circle, cancelling a plan
You can stop a paid plan from renewing at any time from your account, and it then runs to the end of the period already paid for. Leaving a circle is a different matter: a circle is an agreement with the other members, so the terms on which a member may leave, and what happens to contributions already made, are that circle’s own rules and not ours to set aside. The refunds page states what is ours to refund and what is not. Nothing is shipped and nothing is delivered, so no returns period arises.
9. Acceptable use, suspension and reporting
Do not use this service to break the law, to move money for someone concealing where it came from, to impersonate another person, or to attack the service or the people using it. We may suspend or close an account that does. Where a transaction gives us reasonable grounds to suspect money laundering or the financing of terrorism, the CEMAC regulation of 11 April 2016 on the prevention and repression of those offences requires a report to the national financial intelligence unit, and the law forbids us to tell you that one has been made. That obligation overrides our own preference for telling you what we are doing.
10. Liability
We undertake to run this service with reasonable skill and care, and to keep the record accurate. We do not undertake that it will never be interrupted, that a payment provider will always be reachable, or that a member of your circle will meet an obligation they took on. Our responsibility is for loss we actually cause, and it does not extend to loss that follows from a member failing to contribute, from a provider refusing or delaying a transfer, or from an instruction you gave that the record carried out. Nothing here limits a liability that Cameroonian law does not permit to be limited: consumer protection law lets a court set aside a clause cutting back a provider’s liability for a defect or a shortcoming, and this clause is written to be read within that limit rather than against it.
11. Intellectual property
The name, the wordmark, the design of these pages and the software behind them belong to the publisher, and nothing here transfers any of it to you. What is yours stays yours: the information you and your circle put into the service remains yours, and you grant us only the permission needed to run the service, keep the record, and show it back to the people entitled to see it. You are welcome to link to any page here. Do not copy the software, present it as your own, or use the name in a way that suggests we endorse something we do not.
12. Personal data
What this website does with information about you is set out in the privacy policy, and the console keeps records of its own because a ledger cannot work otherwise. Both answer to Law No. 2024/017 of 23 December 2024 on the protection of personal data and to Law No. 2010/012 of 21 December 2010 on cybersecurity and cybercrime. You can ask what we hold about you, ask for it to be corrected, or ask for it to be deleted, bearing in mind that a ledger entry other members rely on cannot simply be erased.
13. Governing law and disputes
These terms are governed by Cameroonian law, together with the CEMAC and OHADA instruments that apply directly in Cameroon. If something goes wrong, write to us first through the contact page: most disputes end there, and we would rather settle one than argue it. Where that fails, the dispute goes to the Cameroonian courts having jurisdiction, which depend on the subject of the claim, on its value, and on whether it is heard in a region applying the common law or the civil law. Nothing in this clause takes away a right you have to bring a claim before the court your own place of residence gives you access to, and no arbitration is imposed on you.
14. Changes to these terms
We may change these terms, and when we do the date at the top of this page changes with them. The version in force on the day you use the service governs that use, and a change that materially affects what you have already paid for, or already agreed with a circle, does not apply backwards to it. Where a change matters to you we will say so, rather than leave you to notice the date.