Terms of use
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These terms govern your use of the Nzilà Clarity, Nzilà Pro and Nzilà Evolution apps (the “apps”) and the nzilahub.app website, published by Nzilà Mbongo (“we”). By using an app or the website, you accept them. How we handle your data is described separately in our privacy policy.
In short: Nzilà helps you see where your money goes, but it does not replace a financial adviser. The essentials are free; credits, earned by playing or bought on the web, rent extras inside the apps and have no cash value. Be respectful to other players. You can leave whenever you want.
1. What the apps offer
Nzilà Clarity lets you log money coming in and going out, see where it went, and progress through tiers with a mentor. It exists as an Android app and in the browser (clarity.nzilahub.app). Logging, understanding and moving from tier to tier are free; some options open with credits. What is free will not become paid. Nzilà Pro and Nzilà Evolution are not available yet: their own terms (including subscription terms) will be shown to you before any payment.
The apps evolve: we may add, change or remove features to improve them.
2. Not financial advice
Figures, charts, mentor messages and suggestions are calculated from what you enter, for information and learning purposes. They are not financial, tax or legal advice, nor investment recommendations. Your decisions remain your own. Amounts converted between currencies use indicative rates.
3. Your account
- On a phone, you can use Nzilà Clarity without an account (guest mode). Your data then stays only on your device: if you lose it or uninstall the app, the data is lost.
- In the browser, an account is required: your data is stored on our servers, and the copy kept by the browser is erased when you sign out.
- With an account, your data syncs across your devices. You are responsible for keeping your password and PIN confidential.
- One account works for all Nzilà apps.
- You must be at least 13 years old. If you are a minor, a parent must agree before any purchase.
4. Credits and purchases
Earned credits. You earn credits by using the app (quests, achievements, milestones, tiers, leagues, community events). The rates are shown on the How credits work page.
Purchased credits. You can buy credit packs on the web version of Clarity (Play Store rules don’t allow this purchase in the Android app; your credits then reach all your devices). The price is shown in CFA francs (XOF) before payment; if your payment method uses another currency, your bank or operator handles the conversion. Payment, by mobile money or card, is processed by our provider Paystack; we never see your card number or your mobile money PIN.
Value. Earned or bought, credits have the same value in the app and do not expire as long as your account exists. They have no cash value: they cannot be exchanged for money, transferred to another account or resold. Giving an item to a friend (see section 5) is not a transfer of credits: your friend receives the item, not the credits.
Use. Credits rent options in the shop, for a duration shown before purchase, and pay the entry to the paid league. Tiers cannot be bought: you earn them by using the app.
Sync on the web. In the browser, online sync is essential to how the app works: it renews automatically when due, at the price shown in the shop, even if your balance falls short. Your balance may then become negative; the shop stays closed until it is positive again, through credits you earn or add. A negative balance is not a money debt: we will never ask you to pay it.
Refunds. Credits are digital content delivered immediately: once added to your account, they are not refundable, except in case of our error or where the law requires it. If you paid but did not receive your credits, email us at support@nzilahub.app with the date and amount: we check every payment with Paystack and either credit or refund you.
Account deletion. Unused credits are lost when you delete your account.
5. Social features and leagues
Your game profile (player name, avatar, tier, league results) may be seen by other users unless you turn off “Findable via search”. Your financial data is never visible.
Friends. Your friend code, QR code and personal link connect your account with whoever uses them: you become friends both ways. Only share them with people you know. Your friends see your progress (tiers, achievements, streaks, leagues) and, if you leave it on, whether you noted something today, never what you noted.
Streak for two. It only starts if you accept it. It counts the days you both noted something and stops as soon as either personal streak stops. Your partner sees whether you noted today. You can end it at any time.
Gifts. You can give a friend a shop item whenever you like, once a day per friend, with a message picked from a list. The price is paid with your credits and is not refundable once the gift is delivered. An item can only be given if both your tiers have already unlocked it.
Community events. Clarity announces some of the community’s big moments, sometimes with a gift to claim: credits or a shop item. A gift can be claimed once per account, for the period shown, if your account existed when it was announced; some are reserved for one country. These gifts can be paused at any time and have no monetary value.
You agree to:
- choose an avatar that is not insulting, discriminatory or misleading (your player name, for its part, is drawn at random by the app, for example “Okapi 482”);
- not harass, threaten or bother other users, including through gifts, encouragements or a streak for two;
- not cheat: fake entries to boost a ranking, multiple accounts, automation or tampering with the app.
We may remove an avatar, exclude you from a league or cancel rewards obtained by breaking these rules.
6. Notifications
If you allow them, the apps send you reminders (for example to log your day or protect your streak) and game alerts (league, friends: a streak-for-two invitation, a streak for two at risk in the evening, a gift received). They may appear as banners, with sound and vibration. You can turn them off at any time in the app’s or your phone’s settings.
7. Acceptable use
You must not try to bypass the apps’ security, access other users’ data, decompile or copy the apps, or use them in a way that disrupts the service for others.
8. Ownership
The apps, the website, the mentors, texts, illustrations and the Nzilà brand belong to Nzilà Mbongo. You receive a personal, non-commercial right to use them.
Your data remains yours. We use it only to run the service, as described in the privacy policy.
9. Suspension and termination
You can stop at any time and delete your account. We may suspend or close an account that seriously breaks these terms; except in emergencies, we will warn you first and give you time to retrieve your information.
10. Liability
We do our best to keep the apps reliable and available, but cannot guarantee they will be entirely free of errors or interruptions. We are not responsible for decisions made on the basis of the information displayed, nor for data lost in guest mode. Nothing in these terms limits the rights the law grants you as a consumer.
11. Changes
If these terms change significantly, we will let you know in the app before the change applies. Continuing to use the apps after that notice means you accept the new terms.
12. Governing law
These terms are governed by the laws of Côte d’Ivoire. If there is a disagreement, please write to us first: we will look for an amicable solution. Failing that, the dispute will be brought before the competent courts, without depriving you of the protections of the law of your country of residence.