Terms of Service

Who we are

Djembely is owned and run by Melian Dialogue Limited (the "Company"). The Company is a private limited company set up in the Republic of Kenya.

Registered Office: P.O. Box B1003, Urban Oasis Apartments, Kingara Road, Lavington, Nairobi.

Company Registration No.: PVT-27ULY98K.

KRA PIN: P052416974R (this is the Company's tax number in Kenya).

Who operates Djembely

Djembely is operated by Melian Dialogue Ltd, Company Number PVT-27ULY98K.

What Djembely is (and is not)

Djembely is an educational trading simulator. A simulator is a practice game that copies how trading works. You use virtual money only. You start with GBP 10,000, or a similar amount in your region's money.

Djembely does not place real orders. It does not use leverage (borrowing money to make a trade bigger). It does not give investment advice. It does not promise any returns.

Djembely does not stop you from submitting a practice trade because of risk limits, losses, tilt warnings (nudges that say you may be trading on emotion) or coaching prompts. You can see these messages, but the choice is yours.

• ·There is one exception: short selling. A short sale is selling something you do not own. Before you make one, you must put up collateral (money set aside as a safety deposit). The collateral must be the larger of 25% of the position or GBP 1,000, at today's exchange rate.
• ·If a short sale is not funded in this way, Djembely declines it.

Eligibility and minimum age

You must be 18 or older to create an account. We check your age at signup using your date of birth. If you do not pass this check, your account is rejected.

Trying to get around the age check is a prohibited use (see "Prohibited uses" below).

Free service

Djembely is free for everyone. There are no tiers, no subscriptions and no prices. You never need to give a payment method.

Virtual currency has no monetary value

All virtual currency and virtual balances on Djembely are part of the simulation only. Virtual currency has no monetary value at all.

In any situation, virtual currency cannot be bought, sold, exchanged, redeemed, cashed out, withdrawn, gifted, moved between accounts, or turned into real money or anything else of value. No current or future feature will let you do any of these things.

Djembely takes no payments.

Co-pilot, voice and prompt-to-trade

Co-pilot is our AI assistant. It uses OpenAI GPT 6 Luna through the Company's own account. If that is not working, we use the Emergent universal key as a backup.

With prompt-to-trade, you can type or speak a practice trade. Voice uses OpenAI speech-to-text (turning your speech into words) and text-to-speech (turning words into speech).

AI answers can be wrong. Check anything important yourself. Co-pilot is not investment advice.

Autotrader and Auto-Discovery

Autotrader is practice-only automated trading. You can use up to 5 slots. It never makes real trades.

Auto-Discovery runs scans on a schedule on weekdays. It can suggest instruments, or add them, but only within the settings you have chosen.

Each Autotrader decision joins several signals into one confidence score. The signals are:

• ·Price and trading volume.
• ·Financial news and sentiment (how positive or negative the news feels) from EODHD.
• ·Company events: dividends (payments to shareholders), earnings dates, price-to-earnings figures (share price compared with profit per share) and profit figures.
• ·The EODHD economic calendar, such as interest-rate decisions and inflation (how fast prices rise).
• ·For African shares, company announcements from Mansa Markets.

Rationale logs and backtests

Every Autotrader trade and every recommendation has a rationale log written in plain English. It shows each signal, how much weight it was given, and where the data came from.

A backtest tests an idea on past prices only. It does not predict the future. Past results do not promise future results.

Market data

Djembely gets market data from these providers:

• ·EODHD: prices, company fundamentals, news and the economic calendar.
• ·Mansa Markets: African exchanges. This includes price history over several years, where their plan allows. Short gaps of up to 3 trading days are filled in and marked (flagged) so you can see them.
• ·Coinpaprika.
• ·Alpaca: paper-trading data (paper trading means practice trading).

Data can be late or wrong

Market data can be delayed or wrong. Do not use Djembely data to make real-money decisions.

BeCo Engine, BeCo Index and questionnaires

The BeCo Engine and BeCo Index are patented ways of scoring behavioural discipline. This means how steady and thoughtful your trading habits are.

They use your answers to the Behavioural baseline questionnaire and the Live Intent questionnaire, along with how you practise. These scores are for learning only.

Data we use while you are signed in

While you are signed in, Djembely collects telemetry (information about how the app is used).

We work out your approximate location from your IP address (the number that identifies your internet connection). If you allow it in your browser, we may also use your precise device location. We use this to pick your region, language and features. We do not store your precise location.

For more detail, please read our Privacy Policy.

Notifications and the installable app

We send phone notifications (web push) only after you opt in. You can pause or turn them off at any time.

Djembely can be installed as an app (a PWA, which is a website that works like an app). It uses swipe gestures.

Languages

Djembely is available in seven languages: English, Spanish, French, Swahili, Sheng, Luganda and Kinyarwanda.

Translations are drafted by AI. If a translation and the English version say different things, the English version wins.

Newsletters and emails

The Super Admin (the top administrator) sends newsletters. Platform updates go to every account holder. Marketing emails go only to people who have not unsubscribed. Every email has an unsubscribe link.

Emails may contain a tracking pixel (a tiny hidden image that gives us approximate counts of opens). They may also contain tracked links (which count clicks). We use these only to measure how well newsletters perform.

Images, videos and files uploaded for newsletters are stored with the platform's object storage provider.

Share cards

The share-card builder lets you design cards. You can use themes, photos from Unsplash, badges, emoji and, if you like, animated GIF backgrounds from GIPHY. Only G and PG rated GIFs are shown. "Powered by GIPHY" is shown.

GIF searches go from your browser straight to GIPHY, under GIPHY's terms.

Cards are made on your own device. Djembely does not post anything for you on any other website or app.

Conduct on social features

You must not manipulate the leaderboard or the copy-trade features. You may not do any of the following:

• ·Create fake or multiple accounts to boost your standing.
• ·Team up with others to distort the rankings.
• ·Otherwise cheat the social features.

Copy trading and becoming a leader

Copy trading is open to all users. When you copy a leader, positions are opened in proportion to your own virtual balance. There is a maximum amount per user that can be used for copying (25% by default). Copied positions open without an inherited stop (the leader's automatic exit point), so the way you manage your own risk stays truly yours.

To become a leader others can follow, you must first meet the same minimum-activity rule that decides who shows on the leaderboard. This means a minimum number of closed trades. It protects people from copying an account with no real track record.

There is also a protective cooling-off. If your losses from copied trades pass a set limit, new copies pause automatically. Your existing positions are left alone. You turn copying back on yourself when you are ready.

Leaders may add short educational notes to their trades. These notes are user-generated content (written by users, not by us). They can be moderated through our standard moderation process (see the Acceptable Use Policy).

A leader can stop being a leader at any time, and it takes effect straight away. Followers are told in plain words.

Prohibited uses

You must not do any of the following:

• ·Use automated, scripted or bot-driven tools on the simulation or its order entry. (Djembely's own Autotrader feature is not covered by this rule.)
• ·Scrape, harvest or bulk-copy data. This includes market data shown under the EODHD licence.
• ·Try to get around the age check, any limits on use, or usage caps.
• ·Harass or abuse other users through the social features.

Termination

You may close your account at any time.

Djembely may suspend or end your access if you break these terms, if you make a prohibited use, or if the law requires it.

If you close your account or lose access, you have no right to any payout of virtual currency. Virtual currency has no value.

Governing law

Draft position: these terms are governed by the laws of Kenya. There is also a consumer-rights savings clause. It keeps the legal rights that cannot be taken away from consumers living in the UK and EU.

[FLAG: governing-law and dispute-resolution approach, including any arbitration clause, requires legal confirmation before publication.]

Recent updates

Rewards: verified referrals, shares, feedback prizes and the one-time Live Intent questionnaire may add virtual capital or show prompts. All rewards are virtual and have no cash value. The Company can change or withdraw them. They may be removed if they were gained by abuse.

Prompt allowance: you get 5 free AI prompts a day for your first 7 days. From day 8, the free base falls by 1 a day until it reaches zero. Each share gives back 1 prompt (up to 5 a day). Bonus prompts you have already earned are not reduced.

Learner sessions end automatically after 15 minutes without activity.