Mobile Application Privacy Policy
This privacy policy applies to the Zera app (hereby referred to as "Application") for mobile devices that was created by Zera (hereby referred to as "Service Provider") as a Free service. This service is intended for use "AS IS".
The Application collects information when you download and use it. This information may include information such as
The Application does not gather precise information about the location of your mobile device.
The Service Provider may use the information you provided to contact you from time to time to provide you with important information, required notices and marketing promotions.
For a better experience, while using the Application, the Service Provider may require you to provide us with certain personally identifiable information. The information that the Service Provider request will be retained by them and used as described in this privacy policy.
Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties in the ways that are described in this privacy statement.
The Service Provider may disclose User Provided and Automatically Collected Information:
You can stop all collection of information by the Application easily by uninstalling it. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.
The Service Provider will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. If you'd like them to delete User Provided Data that you have provided via the Application, please contact them at support@zera.im and they will respond in a reasonable time.
The Service Provider does not use the Application to knowingly solicit data from or market to children under the age of 13.
The Service Provider does not knowingly collect personally identifiable information from children. The Service Provider encourages all children to never submit any personally identifiable information through the Application and/or Services. The Service Provider encourage parents and legal guardians to monitor their children's Internet usage and to help enforce this Policy by instructing their children never to provide personally identifiable information through the Application and/or Services without their permission. If you have reason to believe that a child has provided personally identifiable information to the Service Provider through the Application and/or Services, please contact the Service Provider (support@zera.im) so that they will be able to take the necessary actions. You must also be at least 16 years of age to consent to the processing of your personally identifiable information in your country (in some countries we may allow your parent or guardian to do so on your behalf).
The Service Provider is concerned about safeguarding the confidentiality of your information. The Service Provider provides physical, electronic, and procedural safeguards to protect information the Service Provider processes and maintains.
This Privacy Policy may be updated from time to time for any reason. The Service Provider will notify you of any changes to the Privacy Policy by updating this page with the new Privacy Policy. You are advised to consult this Privacy Policy regularly for any changes, as continued use is deemed approval of all changes.
This privacy policy is effective as of 2025-07-15
By using the Application, you are consenting to the processing of your information as set forth in this Privacy Policy now and as amended by us.
If you have any questions regarding privacy while using the Application, or have questions about the practices, please contact the Service Provider via email at support@zera.im.
Mobile Application Terms & Conditions
These terms and conditions apply to the Zera app (hereby referred to as "Application") for mobile devices that was created by Zera (hereby referred to as "Service Provider") as a Free service.
Upon downloading or utilizing the Application, you are automatically agreeing to the following terms. It is strongly advised that you thoroughly read and understand these terms prior to using the Application. Unauthorized copying, modification of the Application, any part of the Application, or our trademarks is strictly prohibited. Any attempts to extract the source code of the Application, translate the Application into other languages, or create derivative versions are not permitted. All trademarks, copyrights, database rights, and other intellectual property rights related to the Application remain the property of the Service Provider.
The Service Provider is dedicated to ensuring that the Application is as beneficial and efficient as possible. As such, they reserve the right to modify the Application or charge for their services at any time and for any reason. The Service Provider assures you that any charges for the Application or its services will be clearly communicated to you.
The Application stores and processes personal data that you have provided to the Service Provider in order to provide the Service. It is your responsibility to maintain the security of your phone and access to the Application. The Service Provider strongly advise against jailbreaking or rooting your phone, which involves removing software restrictions and limitations imposed by the official operating system of your device. Such actions could expose your phone to malware, viruses, malicious programs, compromise your phone's security features, and may result in the Application not functioning correctly or at all.
Please be aware that the Service Provider does not assume responsibility for certain aspects. Some functions of the Application require an active internet connection, which can be Wi-Fi or provided by your mobile network provider. The Service Provider cannot be held responsible if the Application does not function at full capacity due to lack of access to Wi-Fi or if you have exhausted your data allowance.
If you are using the application outside of a Wi-Fi area, please be aware that your mobile network provider's agreement terms still apply. Consequently, you may incur charges from your mobile provider for data usage during the connection to the application, or other third-party charges. By using the application, you accept responsibility for any such charges, including roaming data charges if you use the application outside of your home territory (i.e., region or country) without disabling data roaming. If you are not the bill payer for the device on which you are using the application, they assume that you have obtained permission from the bill payer.
Similarly, the Service Provider cannot always assume responsibility for your usage of the application. For instance, it is your responsibility to ensure that your device remains charged. If your device runs out of battery and you are unable to access the Service, the Service Provider cannot be held responsible.
In terms of the Service Provider's responsibility for your use of the application, it is important to note that while they strive to ensure that it is updated and accurate at all times, they do rely on third parties to provide information to them so that they can make it available to you. The Service Provider accepts no liability for any loss, direct or indirect, that you experience as a result of relying entirely on this functionality of the application.
The Service Provider may wish to update the application at some point. The application is currently available as per the requirements for the operating system (and for any additional systems they decide to extend the availability of the application to) may change, and you will need to download the updates if you want to continue using the application. The Service Provider does not guarantee that it will always update the application so that it is relevant to you and/or compatible with the particular operating system version installed on your device. However, you agree to always accept updates to the application when offered to you. The Service Provider may also wish to cease providing the application and may terminate its use at any time without providing termination notice to you. Unless they inform you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must cease using the application, and (if necessary) delete it from your device.
The Service Provider may periodically update their Terms and Conditions. Therefore, you are advised to review this page regularly for any changes. The Service Provider will notify you of any changes by posting the new Terms and Conditions on this page.
These terms and conditions are effective as of 2025-07-15
If you have any questions or suggestions about the Terms and Conditions, please do not hesitate to contact the Service Provider at support@zera.im.
Ministry Data Safety
Ministry Data Privacy, Tenant Isolation & Platform Responsibility
1 Architecture & Data Segregation
The Zera platform is built on a strict multi-tenant architecture in which each registered ministry operates within a fully isolated PostgreSQL schema. This means that ministry data including but not limited to member records, financial transactions, giving history, prayer requests, and user profiles is stored in a dedicated database schema that is logically and technically separated from all other ministries and from the Zera platform infrastructure. No ministry can access, query, or interact with data belonging to another ministry. This isolation is enforced at the database level, not merely at the application level.
2 Zera Platform Access Limitations
Zera platform administrators have no routine access to ministry tenant data. By design: (i) The Zera platform schema (the public schema) contains only ministry registration metadata, domain routing information, and platform-level configuration; (ii) All ministry-specific data resides exclusively within that ministry's own isolated schema; (iii) Zera platform staff do not have application-level access to any ministry's member data or user activity. Access to a tenant schema by Zera engineering personnel would require direct database-level intervention, reserved solely for critical maintenance and governed by strict audit logging.
3 Ministry Administrator Responsibility
Each ministry designates at least one Ministry Administrator who: (a) Has full control over their ministry's tenant environment and access permissions; (b) Is solely responsible for the management of user access; and (c) Bears exclusive responsibility for any data exposure resulting from the misconfiguration of roles. Zera accepts no liability for data mismanagement caused by Ministry Administrators, including unauthorized access granted to staff or improper handling of member data.
4 Data Collected by Zera at Platform Level
Zera collects only the minimum information necessary to operate the platform, such as legal names for identity verification and ministry registration info. Payment processing is routed through certified third-party providers (Stripe, Flutterwave); Zera does not store raw card or banking data. Any data collected for ministry-facing features (tithes, prayer requests) is stored exclusively within the ministry's own isolated tenant.
5 No Cross-Tenant Data Access
The platform expressly prohibits and technically prevents any ministry from accessing another ministry's data. This is enforced through the platform's multi-tenant schema routing middleware, which ensures all database queries are scoped to the authenticated tenant's schema for the duration of each request.
6 User Rights & Data Portability
Ministry members may request access to, correction of, or deletion of their personal data by contacting their Ministry Administrator directly, as that administrator is the data controller. Zera operates as a data processor and will cooperate with lawful requests directed through the appropriate ministry channel.
7 Platform Disclaimer
Zera provides infrastructure and is not responsible for content uploaded by a ministry or internal governance decisions made by a Ministry Administrator. Ministries are solely responsible for ensuring their use of Zera complies with applicable data protection legislation (e.g., GDPR, CCPA).
Payment Processing
1. Third-Party Payment Processors
All financial transactions processed through the Zera platform including tithes, offerings, and pledge payments are handled exclusively by certified third-party payment processors, currently Stripe and Flutterwave. These providers are independently regulated, PCI-DSS compliant, and solely responsible for the secure handling of payment credentials and card data. Zera does not collect, store, or have access to any cardholder data, bank account numbers, or raw payment credentials at any point in the transaction lifecycle.
2. Direct Settlement to Ministries
Zera operates a pass-through payment model. When a ministry member completes a payment, funds are transferred directly to the ministry's own connected account held with the relevant payment processor (Stripe Connect or Flutterwave). Zera does not receive, hold, pool, or intermediary-route ministry funds. The ministry's payment account is registered, owned, and controlled entirely by the Ministry Administrator. Zera has no authority to initiate withdrawals, freeze funds, or reverse transactions on behalf of or against any ministry account.
3. No Access to Ministry Bank Accounts or Financial Records
Zera has no access to the bank accounts, payout schedules, or financial statements of any ministry. Settlement of funds from the payment processor to the ministry's bank account is governed entirely by the agreement between the ministry and the payment processor. Any disputes, chargebacks, or payout issues must be resolved directly with the relevant processor. Zera is not a party to those financial relationships and cannot intervene in them.
4. Transaction Records Within Tenant Scope
Transaction metadata (amounts, dates, transaction types, status) is recorded within the ministry's isolated tenant schema for the purpose of providing giving history and reporting to ministry members and administrators. This data is subject to the same tenant isolation guarantees described in the Data Privacy section: Zera platform staff have no routine access to these records. Transaction records are not shared with other ministries, third parties, or advertisers.
5. Platform Service Fee
Zera may apply a platform service fee on transactions processed through the platform. Where applicable, this fee is transparently calculated at the time of payment initialization and deducted via the payment processor's fee-splitting mechanism (e.g., Stripe Connect application fees). The net amount received by the ministry reflects the agreed fee structure. Zera does not impose hidden charges, and the Ministry Administrator has full visibility of the applicable fee rate at the time of payment gateway configuration.
6. Ministry Administrator Payment Responsibility
The Ministry Administrator is solely responsible for: correctly configuring and maintaining their payment gateway credentials; ensuring their Stripe or Flutterwave account remains in good standing; compliance with the terms of service of the payment processor they have chosen; and any tax, legal, or regulatory obligations arising from the receipt of donations and offerings in their jurisdiction. Zera provides the technical infrastructure to facilitate payments but does not act as a financial institution, payment facilitator, or tax advisor.
7. Refunds & Disputes
Zera does not process refunds on behalf of ministries. Any refund requests from ministry members must be directed to the Ministry Administrator, who retains the ability to initiate refunds through their payment processor account. Zera has no technical capability to issue refunds or intervene in payment disputes between a ministry and its members.
Zera is a platform provider, not a bank, financial institution, or money services business. Nothing in these terms constitutes financial advice or creates a fiduciary relationship between Zera and any ministry or its members.
Kingdom Mission Contribution
1. Nature of the Contribution
Zera is a free platform and charges no subscription fees or commissions on any transactions processed through the platform. However, in mutual and explicit agreement with each registered ministry, a contribution of 1% of processed funds is redirected toward a Kingdom mission cause selected by the ministry itself. This is not a Zera fee, it is a ministry-initiated act of generosity toward a cause the ministry has chosen and endorsed.
2. Mutual Agreement & Ministry Consent
This contribution is never applied unilaterally. It is established through a documented agreement between Zera and the Ministry Administrator prior to activation. The ministry retains full authority to: select the cause to which the contribution is directed; request a modification to the contribution rate; or negotiate a full waiver of the contribution. Any change to the applicable rate whether an increase, reduction, or waiver requires the mutual written consent of both parties. Zera will never alter the contribution terms without prior notification and agreement from the ministry.
3. Available Causes
Ministries may direct their Kingdom mission contribution toward causes made available on the platform, which currently include:
— Missionary Work: Supporting the deployment and sustenance of missionaries in local and cross-cultural outreach.
— Orphanage Support: Contributing to the care, education, and welfare of children in registered orphanage partner organisations.
Additional causes may be introduced over time. Ministries will be notified of new options and may update their selected cause at any time by contacting Zera.
4. Transparency & Reporting
Zera is committed to full accountability in the use of Kingdom mission contributions. For each ministry participating in this initiative, Zera undertakes to provide periodic reports detailing how contributed funds have been allocated and used. These reports will cover the cause(s) supported, the amounts disbursed, and the impact documented by the receiving organisation. Zera does not retain Kingdom mission funds for operational purposes and will not commingle them with platform revenue.
5. Mechanics of Redirection
The 1% contribution is calculated on the net processed transaction amount and redirected at the payment processor level or through a separate accounting mechanism agreed upon with the ministry. The ministry's giving members are not charged any additional amount above their stated gift the contribution is borne from the processed fund allocation as agreed with the ministry administrator, not passed on to the end giver without their knowledge.
6. No Unilateral Changes
Zera expressly commits that it will never: increase the contribution rate without ministry consent; redirect contributions to a cause not selected by the ministry; retain contribution funds beyond the agreed disbursement cycle; or apply this contribution to ministries that have negotiated a waiver. This commitment is a foundational principle of the Zera platform and reflects our shared calling to advance the Gospel with integrity and transparency.
The Kingdom Mission Contribution is a voluntary, agreement-based initiative and does not constitute a tax-deductible charitable donation on the part of Zera. Ministries are advised to consult with their legal or financial advisors regarding the treatment of this contribution under applicable law in their jurisdiction.