Legal Agreement

Terms & Conditions

Please read these terms carefully before using DENI – Loan Manager.

Effective Date: 1 June 2026

Last Revised: 19 July 2026

Version: 1.1

Governing Law: Laws of Kenya

⚠️

By downloading, installing, or using DENI, you agree to be legally bound by these Terms & Conditions. If you do not agree, uninstall the app and do not use it. These terms constitute a binding agreement between you and Wendy Digital.

ℹ️

DENI is a personal loan tracking tool — not a lender. We do not provide, arrange, or facilitate any loans. We do not hold or move funds on your behalf. DENI simply helps you organise and monitor loans you already have with third-party lenders.

Table of Contents

01Definitions
02Acceptance of Terms
03Eligibility
04Account Registration
05What DENI Is (and Is Not)
06Premium Subscription
07Your Loan Data
08Notifications & Reminders
09Prohibited Conduct
10Intellectual Property
11Disclaimer of Financial Advice
12Limitation of Liability
13Indemnification
14Termination
15Amendments
16Governing Law & Contact

SECTION 01

Definitions

In these Terms & Conditions, the following definitions apply unless the context otherwise requires:

Term	Meaning
"Company" / "We" / "Us"	Wendy Digital, the developer and publisher of DENI – Loan Manager, its officers, employees, and agents.
"App" / "DENI"	The DENI – Loan Manager Android application, including all updates and related digital services operated by the Company.
"Service"	The loan tracking, scheduling, and financial management features provided by the App.
"User" / "You"	Any individual who installs, registers for, or uses the App.
"Loan Record"	A set of data manually entered by a User into the App to represent a loan the User holds with a third-party Lender.
"Lender"	Any third-party individual, bank, SACCO, credit union, mobile lender, or other entity from whom the User has borrowed money. Wendy Digital is not a Lender.
"Premium"	The paid tier of the App that unlocks unlimited Loan Records and advanced features, as described in Section 6.
"IntaSend"	IntaSend Limited, the third-party payment service provider used to process Premium subscription payments.
"Firebase"	Google Firebase, the cloud infrastructure used by the App for user authentication and optional data synchronisation.
"DPA 2019"	The Kenya Data Protection Act, 2019.
"ODPC"	The Office of the Data Protection Commissioner, Kenya's data protection regulator.

SECTION 02

Acceptance of Terms

By installing the App, creating an account, or using any feature of DENI, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. These Terms form a legally binding contract between you and Wendy Digital.

Applicable Kenyan laws include:

The Consumer Protection Act, 2012
The Data Protection Act, 2019
The Computer Misuse and Cybercrimes Act, 2018
The Information and Communications Act (Cap. 411A)

Important: If you do not agree to any part of these Terms, you must uninstall the App and cease use immediately. Continued use after any amendment constitutes acceptance of the revised Terms.

SECTION 03

Eligibility

To register and use DENI, you must:

Be at least 18 years of age
Have the legal capacity to enter into a binding contract
Possess a valid Google account for authentication via Firebase
Use the App only for personal, non-commercial loan tracking purposes unless otherwise agreed in writing with Wendy Digital
Not have had a DENI account previously suspended or terminated for cause

The Company reserves the right to verify your eligibility at any time and to suspend or terminate your account if you no longer meet these requirements.

SECTION 04

Account Registration & Security

4.1 Google Sign-In

DENI uses Google Sign-In via Firebase Authentication. By signing in, you authorise the App to access basic Google profile information (name, email address, and profile photo) in accordance with Google's own terms of service and privacy policy. You do not create a separate DENI-specific password.

4.2 One Account Per Person

Each individual may hold only one DENI account linked to their Google identity. Creating multiple accounts to circumvent feature limits or bans is prohibited and may result in permanent suspension of all associated accounts.

4.3 Biometric Lock

DENI offers an optional biometric lock (fingerprint or face recognition) as an additional layer of app-level protection. You are responsible for managing your device's biometric enrolment. Wendy Digital does not have access to your biometric data at any time — all biometric processing is performed on-device by Android.

4.4 Account Security

The security of your DENI account is inherently tied to the security of your Google account. We strongly recommend you enable two-factor authentication on your Google account. Notify us immediately at support@deniapp.com if you suspect any unauthorised access to your DENI data.

SECTION 05

What DENI Is (and Is Not)

5.1 DENI is a Personal Loan Tracker

DENI – Loan Manager is a personal financial management tool that allows you to manually record, organise, and monitor loans you hold with third-party lenders. The App provides:

Manual entry and tracking of loan details (principal, interest rate, start date, term, lender name)
Automatic calculation of amortisation schedules and outstanding balances based on your inputs
Payment recording and repayment progress tracking
Scheduled payment reminders via Android notifications
Optional cloud synchronisation of your Loan Records across devices via Firebase
A repayment plan overview and upcoming payments dashboard

5.2 What DENI Does NOT Do

DENI does not provide, originate, arrange, broker, or facilitate any loans or credit facilities
DENI does not hold, transfer, move, or manage any funds on your behalf
DENI does not collect or process repayments to any lender — payments must be made directly between you and your Lender through their own channels
DENI does not verify the accuracy of any loan details you enter
DENI does not provide credit assessments, lending decisions, or credit scores
DENI does not report to or communicate with any Credit Reference Bureau on your behalf
DENI is not a bank, licensed lender, microfinance institution, or regulated financial services provider

5.3 Data Accuracy

All Loan Records in DENI are based entirely on information you manually enter. The calculated balances, interest totals, and repayment schedules displayed in the App are mathematical computations derived from your inputs. You are solely responsible for ensuring that the data you enter is accurate and reflects the actual terms agreed with your Lender. DENI's calculations are provided for indicative tracking purposes only and do not constitute legally binding loan statements.

Always verify repayment amounts directly with your Lender. Your Lender's records are authoritative. DENI's balance figures are estimates based on what you have entered and may differ from your Lender's records if any fees, adjustments, or rescheduling have occurred.

SECTION 06

Premium Subscription & Billing

6.1 Free Tier

DENI is available at no cost with a limited number of active Loan Records, as displayed within the App. Free tier Users can access all core tracking and scheduling features within these limits.

6.2 Premium Tier

DENI Premium is a one-time, lifetime upgrade that removes Loan Record limits and unlocks all advanced features. The price is displayed in the App at the time of purchase and is denominated in Kenya Shillings (KES). There are no recurring charges.

6.3 Payment via IntaSend

Premium payments are processed exclusively through IntaSend Limited, our third-party payment service provider. Payment options include M-Pesa and card. By initiating a Premium purchase, you agree to IntaSend's terms of service and privacy policy in addition to these Terms.

The M-Pesa STK push prompt will be sent to the phone number you provide at checkout
Premium is activated automatically upon IntaSend confirming payment to Wendy Digital
If activation does not occur within 15 minutes of payment, contact support with your IntaSend transaction reference

6.4 Refund Policy

All Premium purchases are non-refundable once the upgrade has been activated in your account, given the immediate delivery of digital access. If you experience a technical issue where payment was taken but Premium was not activated, contact us within 48 hours at support@deniapp.com with your transaction reference and we will investigate.

6.5 Premium on Multiple Devices

Your Premium status is linked to your Google account and is restored automatically when you sign in to DENI on any device using the same Google account, provided cloud sync is enabled.

SECTION 07

Your Loan Data

7.1 Ownership

All Loan Records and financial data you enter into DENI remain yours. Wendy Digital does not claim any ownership over your personal financial information.

7.2 Local Storage

Your Loan Records are stored locally on your device in an AES-256 encrypted database. The encryption key is protected by the Android Keystore system and, where available, is hardware-backed. Your data is encrypted at rest even if someone gains access to your device's file system.

7.3 Cloud Sync

DENI offers optional cloud synchronisation via Firebase Firestore, allowing your Loan Records to be restored if you reinstall the App or switch devices. Your Firestore data is isolated to your user account — no other user can access your Loan Records. You may disable cloud sync at any time in App settings.

7.4 Data Deletion

You may delete individual Loan Records or your entire account at any time from within the App. Account deletion removes your data from Firebase Firestore. Local data on your device is cleared when you uninstall the App.

SECTION 08

Notifications & Payment Reminders

DENI may send you local Android notifications to remind you of upcoming or overdue loan payments based on the due dates you have entered. These reminders are:

Generated and delivered entirely on-device using Android's WorkManager — no data is sent to our servers to trigger them
Based solely on the repayment schedule derived from your entered Loan Records
Informational only — they do not constitute formal payment notices from your Lender

Reminders are a convenience feature, not a guarantee. If you do not receive a reminder (e.g. due to device battery optimisation or reinstallation), you remain solely responsible for meeting your repayment obligations to your Lender on time. Always confirm due dates directly with your Lender.

You can enable or disable DENI notifications in your device's Android notification settings at any time.

SECTION 09

Prohibited Conduct

You must not use DENI for any purpose that is unlawful, harmful, or contrary to these Terms. Prohibited conduct includes, but is not limited to:

Attempting to reverse engineer, decompile, or extract the source code of the App
Using automated tools, bots, or scripts to interact with the App or its backend services
Attempting to gain unauthorised access to another User's data or Firebase infrastructure
Creating multiple accounts to circumvent the free tier Loan Record limit
Using DENI to track or record loan activity associated with illegal money lending, unlicensed financial services, or fraud
Attempting to manipulate or abuse IntaSend's payment system in connection with a Premium purchase
Distributing, selling, or sublicensing the App or any derivative of it
Introducing malware, viruses, or disruptive code into the App or its connected services

Violation may result in immediate account termination and, where relevant, referral to law enforcement authorities.

SECTION 10

Intellectual Property

All content in DENI, including but not limited to the software, UI design, graphics, branding, icons, database structure, and algorithms, is the exclusive property of Wendy Digital or its licensors and is protected by Kenyan and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to install and use the App on your personal Android device solely for the purpose of tracking your own loans. This licence does not include the right to:

Copy, reproduce, modify, or distribute any part of the App without prior written consent
Reverse engineer, decompile, or disassemble the App's software
Remove or alter any copyright, trademark, or proprietary notices
Use the DENI name, logo, or branding without written authorisation from Wendy Digital

SECTION 11

Disclaimer of Financial Advice

DENI is a personal productivity tool, not a licensed financial services provider. Nothing in the App, its notifications, or any associated communications from Wendy Digital constitutes:

Financial, investment, or credit advice
A recommendation to take on, restructure, consolidate, or repay any loan in a particular manner
A formal loan statement, loan balance confirmation, or demand for payment
A guarantee of the accuracy of any calculated interest, balance, or repayment figure

For financial advice specific to your situation, consult a licensed financial advisor. For accurate loan balances and repayment obligations, always refer to official statements or communications from your Lender.

SECTION 12

Limitation of Liability

To the maximum extent permitted by Kenyan law, Wendy Digital shall not be liable for:

Any inaccuracy in loan calculations, balance projections, or repayment schedules resulting from incorrect data you have entered
Any missed loan payment or resulting penalty, default, or CRB listing caused by reliance on DENI's reminders or calculations
Any loss of Loan Record data resulting from device loss, theft, reinstallation without cloud sync, or hardware failure
Any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the App
App downtime or unavailability due to maintenance, technical failure, Firebase service disruptions, or force majeure
Any actions taken by your Lender as a result of a payment being missed, late, or incorrect
Unauthorised access to your account resulting from your failure to secure your Google account credentials

Where liability cannot be excluded by law, our total aggregate liability to you shall not exceed the amount you paid for the DENI Premium subscription, if any.

SECTION 13

Indemnification

You agree to indemnify, defend, and hold harmless Wendy Digital, its directors, officers, employees, and partners from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

Your breach of any provision of these Terms
Your violation of any applicable law or third-party right
Inaccurate data you entered into the App and relied upon for financial decisions
Any third-party claim arising from your use of the App
Unauthorised use of your account

SECTION 14

Termination

14.1 Termination by You

You may terminate your account at any time by deleting your account from within the App settings or by contacting support. Uninstalling the App without deleting your account will remove local data but your cloud-synced Loan Records will remain in Firebase until you delete your account.

14.2 Termination by Us

We may suspend or permanently terminate your account immediately, with or without notice, if you breach these Terms, engage in prohibited conduct, or if we are required to do so by law or a regulatory authority. Premium subscription fees are non-refundable upon termination for cause.

14.3 Effect of Termination

Upon termination, your access to the App's cloud features will be revoked. Any locally cached data on your device will remain until you uninstall the App or clear its data. Sections 10, 11, 12, 13, 15, and 16 of these Terms survive termination.

SECTION 15

Amendments

Wendy Digital reserves the right to amend these Terms & Conditions at any time. When material changes are made, we will:

Update the "Last Revised" date at the top of this document
Display an in-app notice for at least 14 days before the changes take effect
Where practicable, send a notification to your registered email address

Your continued use of DENI after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the App before the changes take effect.

SECTION 16

Governing Law & Contact

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of Kenya. Both parties submit to the jurisdiction of the Kenyan courts for any dispute arising out of or in connection with these Terms.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

For all queries, complaints, or legal notices, contact:

Wendy Digital

Developer

Wendy Digital

Country

Republic of Kenya

Support Email

support@deniapp.com

Legal Email

legal@deniapp.com

App

DENI – Loan Manager

Package

com.loana.app