Gifting, Coins and Payments Policy

1. What coins are

Zumi Coins are a prepaid digital credit consumed inside the app. Coins are sold in fixed packs, priced in the app before checkout. Coins are not money, are not transferable between users, cannot be sold, and cannot be redeemed for cash by the buyer. They have no value outside Zumi.

2. Buying coins

• Only a signed-in, email-confirmed account aged 18 or over can buy coins.
• Payment is taken on Paystack's hosted checkout by card, mobile money including M-Pesa, or bank transfer. Zumi never sees card details.
• Coins are credited only after Paystack's signed webhook confirms the charge succeeded. Crediting is keyed to the Paystack reference so it can never happen twice.
• Delivery is instant and to the purchasing account only.

3. Sending gifts

• Gifts are sent voluntarily to creators during live streams, on posts, on broadcast channels and on podcast shows, and are non-refundable once sent.
• Each gift's value is split server-side: 90% credited to the creator's earnings, 10% retained by Zumi as its platform fee.
• Gifting is one-way. It cannot be used to settle a debt, buy anything outside the app, or move money between people.
• Purchase and gifting limits apply: a default cap of USD 1,199 per transaction and USD 3,000 per rolling 30 days per account, above which a review is triggered.

4. Where the funds sit

All amounts paid by users settle into Zumi's own Paystack settlement account. A creator's wallet balance is an accounting entry in Zumi's ledger showing what Zumi owes that creator; it is not a stored-value account, not held by the creator, and holds no client money. Payouts are made later from Zumi's own funds via Paystack Transfers.

5. Records

Every purchase, gift, promotion spend and payout is written to an immutable ledger recording gross amount, platform fee, creator share, reference and timestamp. Users can see their own ledger in the app at any time.