Terms & Agreements
Version 2026-09-06
Draft — pending formal legal review. This page describes how Vimera intends to operate and is presented to every new user at sign-up, but it has not yet been reviewed and signed off by qualified legal counsel. Treat it as a good-faith statement of current practice, not a finished, lawyer-reviewed contract.
1. Who this covers
These Terms & Agreements apply to every person or business that creates a Vimera account — whether a general (personal) account or a business account — and to every use of the Vimera wallet, ledger, marketplace, cash-on-delivery, and related tools.
2. What Vimera is
Vimera is a digital ledger and business-operations platform for Zimbabwean micro, small and medium enterprises. It records transactions, calculates fees and tax estimates, tracks a credit-readiness score, and facilitates cash-on-delivery orders and wallet-to-wallet transfers between businesses. Vimera is not a bank; wallet balances are ledger entries within Vimera's own system, not a deposit-taking account, unless and until stated otherwise.
3. Your account
You are responsible for keeping your login credentials secure and for the accuracy of the business information you submit (registration number, ZIMRA TIN, and any supporting documents). Submitting false registration or tax information may result in suspension of verification status or account access.
4. Fees
Vimera charges fees on some activity — wallet-to-wallet transfers and cash-on-delivery settlement, for example — at rates shown in-product at the time of the transaction. Fee rates are configurable and may change; Vimera will not apply a fee to a transaction retroactively. Subscription plans, where applicable, are billed at the price and currency shown when you choose a plan.
5. Verification & the Vimera tick
Verified status (the gold tick) reflects Vimera's own review of submitted registration details and, where provided, a certificate upload — it is not a government endorsement and does not itself constitute proof of tax compliance or legal registration.
6. Data & privacy
How Vimera collects, uses, and protects your data is described in the Data Protection notice, which forms part of these Terms.
7. Suspension & termination
Vimera may suspend or close an account that is used fraudulently, that repeatedly triggers fraud-monitoring review with a confirmed adverse finding, or that materially breaches these Terms. You may close your own account at any time; ledger records already posted remain retained per Vimera's data-retention practice for as long as required for accounting, tax, and dispute-resolution purposes.
8. Currency & exchange rates
Where Vimera shows a USD/ZiG conversion, it surfaces the Reserve Bank of Zimbabwe's official interbank rate as published at the time of the last successful fetch, along with the source and timestamp. Vimera does not set, control, or guarantee that rate, does not guarantee it matches any rate a bank, bureau or counterparty will actually give you, and shows conversions as an indication only. Where no current official rate is available, Vimera shows the conversion as unavailable rather than estimating one.
9. App Store & developer publishing
The Vimera App Store is a publishing hub: independent developers, including developers outside Zimbabwe, submit their own apps, web apps and installers. A listing is not a Vimera endorsement, certification, or warranty of an app's safety, quality, legality or fitness for any purpose, and Vimera is not a party to any agreement between you and a developer. Vimera may review, reject, or remove a listing. Developers who submit an app confirm they have the right to distribute it and remain responsible for its content, licensing, and support.
10. Staff, payroll & business-to-business credit
A business account may record staff members, contracts, and salary payments inside Vimera's ledger — this is a bookkeeping record of payments the business tells Vimera it made, not a payroll, tax-withholding, or statutory-benefits service, and does not itself satisfy any employer obligation under Zimbabwean labour or tax law. Similarly, a business may record money lent to or borrowed from another Vimera account as a declared debt — Vimera only tracks the balance and repayment history the parties enter; it is not a lender, guarantor, or collections agency, and does not enforce repayment.
11. Sly's Advice
Sly's Advice surfaces observations computed directly from the numbers already recorded in your own ledger — for example, a payroll-to-revenue ratio, a low-stock count, or an asset's projected depreciation. It is a deterministic calculation over your own data, not financial, tax, or legal advice, and not generated by a third-party AI model. Treat it as a prompt to look closer at your own figures, not a recommendation to act on without your own judgment.
12. Savings goals & lender introductions
Personal savings goals are a planning and tracking tool inside your own ledger — Vimera does not hold, invest, or ring-fence money against a goal. Where you request an introduction to a partner lender, Vimera only passes on the details you choose to submit; it does not lend, underwrite, approve, price, or guarantee any facility, and any resulting loan agreement is strictly between you and that lender on their terms.
13. Changes to these Terms
When these Terms change materially, the version date above changes and existing users may be asked to accept the new version before continuing to use affected features.
14. Contact
Questions about these Terms can be sent through the contact channel listed on the Vimera About page.