ይህ ሰነድ የቀረበው በእንግሊዝኛ ብቻ ነው።

Terms of Service

Last updated: 27 July 2026

These Terms of Service ("Terms") are a binding agreement between you and Stellar PLC ("we", "us", "our") governing your use of the Banana mobile application and related services (together, the "Service").

By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who may use the Service

You must be at least 13 years old. In the European Economic Area and the United Kingdom, if you are under 16 (or the lower age set by your country, no lower than 13) you may use the Service only with the consent of a parent or guardian, who accepts these Terms on your behalf.
If you are using the Service on behalf of an organisation, you represent that you are authorised to bind that organisation to these Terms.
You may not use the Service if you are barred from doing so under the law of your country or under applicable sanctions or export control laws.

2. Your account

You create an account by signing in with Google. You are responsible for keeping access to that Google account secure.
You are responsible for all activity that occurs under your account.
One person, one account. Do not share your account or let anyone else use it.
Tell us at support@stellarplc.com promptly if you believe your account has been compromised.
We may suspend or terminate an account that violates these Terms, as described in Section 13.

3. What the Service does

Banana teaches English to Amharic-speaking learners through lessons, vocabulary practice, an AI conversation tutor, speaking and pronunciation practice, writing feedback, and progress tracking.

We may add, change, or remove features at any time. We may also run experimental, beta, or preview features, which are provided as-is and may be withdrawn without notice.

4. AI-generated content — important

Large parts of the Service are generated by artificial intelligence, including tutor replies, grammar corrections, level estimates, pronunciation scores, and writing feedback.

AI output can be inaccurate, incomplete, or inappropriate. Treat it as a practice aid, not as authoritative instruction.
Level placements, scores, and exam-style feedback are estimates for study purposes only. They are not a language certification, are not affiliated with or endorsed by IELTS, TOEFL, Cambridge Assessment, ETS, or any examining body, and do not predict or guarantee any official test result.
The Service is not a substitute for professional, legal, medical, financial, immigration, or academic advice. Do not rely on it for any such purpose.
Do not submit sensitive personal information — identity numbers, financial account details, health information, or other people's personal data — to the AI tutor.
References to third-party exams, brands, and institutions in learning content are for educational context only.

5. Acceptable use

You agree not to:

use the Service for anything unlawful, or to harass, defraud, or harm anyone;
attempt to make the AI produce illegal content, sexual content involving minors, or content that incites violence or hatred;
reverse engineer, decompile, scrape, or attempt to extract our prompts, models, or source code, except to the extent that restriction is prohibited by law;
automate, script, or otherwise abuse access to the Service, or circumvent rate limits, credit metering, free allowances, or any other technical restriction;
resell, sublicense, or commercially redistribute the Service or its content;
upload malware, or interfere with or place unreasonable load on our infrastructure;
impersonate another person or misrepresent your affiliation with anyone; or
use the Service to build or train a competing product or model.

6. Your content

"Your Content" means the text, speech, writing submissions, and other material you submit to the Service.

You keep ownership of Your Content.
You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, and display Your Content solely to operate and provide the Service to you — including sending it to our AI provider to generate a response, and storing your conversation history so you can revisit it.
This licence ends when you delete the content or your account, except for copies retained in routine backups until they expire, and records we must keep by law.
We do not use Your Content to train our own AI models, and our AI provider is contractually prohibited from using data sent through our API to train its models.
You represent that you have the rights to submit Your Content and that it does not violate these Terms or anyone else's rights.

7. Our content and intellectual property

The Service, including its lessons, curriculum, exercises, roleplay scenarios, audio, prompts, software, design, and the Banana name and logo, is owned by Stellar PLC or its licensors and is protected by copyright, trademark, and other laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service for your own language learning. You may not copy, distribute, publicly perform, or create derivative works from our content except as these Terms allow or the law permits.

8. Free tier, Bananas, and paid plans

8.1 Free tier

The core curriculum is free to use. AI features that cost us money to run are metered: you receive a small daily allowance of Bananas that resets each day and does not roll over.

8.2 Bananas (in-app credits)

Bananas (ሙዝ) are a virtual, in-app credit used to pay for AI features such as tutor turns, voice turns, pronunciation scoring, and live conversation sessions.

Bananas are a limited, revocable, personal licence to use features of the Service. They are not money, not a currency, not a stored-value or payment instrument, and have no cash value outside the Service.
Bananas are not transferable, not exchangeable, and cannot be sold, traded, gifted, or redeemed for cash or anything of monetary value.
Purchased Banana packs do not expire while your account remains active. Bananas granted as a daily allowance expire at the end of that day. Bananas granted as milestone rewards or promotions may carry their own expiry, which we will state when we grant them.
Unused Bananas are forfeited without refund if your account is deleted or terminated for breach of these Terms.
We may change the Banana price of any feature, the size of the daily allowance, or the contents of a pack. Changes apply prospectively; Bananas you already hold remain valid, though what they buy may change. We will give reasonable notice of material changes.
We may adjust your balance to correct an error, reverse a fraudulent or charged-back purchase, or remedy abuse of the metering system.

8.3 Practice Pass and subscription plans

A Practice Pass or subscription plan grants a defined set of benefits for a fixed term (for example, a daily Banana allowance and a limited number of live sessions per 30-day term). Included benefits are finite and do not roll over at the end of a term unless we say otherwise. No plan provides unlimited use of AI features.

8.4 Prices and taxes

Prices are shown in the app before you buy, in Ethiopian Birr (ETB) or in the currency your app store presents. Prices are inclusive of taxes where we are required to include them, and exclusive where we are required to add them at checkout. We may change prices; changes do not affect a purchase already completed or a term already paid for.

9. Payments, renewals, and refunds

9.1 How you pay

Depending on the platform and the item, purchases are processed either through Apple's App Store / Google Play in-app purchase, or through our payment provider Chapa (Ethiopian mobile money and bank transfer). We never receive your card number, mobile-money PIN, or bank credentials.

9.2 Auto-renewal (store subscriptions)

Where a subscription is sold through the App Store or Google Play, it renews automatically at the end of each period at the then-current price, charged to your store account, unless you cancel at least 24 hours before the period ends. Manage or cancel it in your Apple ID subscription settings or Google Play subscription settings — we cannot cancel a store subscription for you. Deleting the app does not cancel a subscription.

9.3 Refunds

Purchases made through the App Store or Google Play are refunded by Apple or Google under their own policies. Contact them, not us.
For purchases made through Chapa: all sales are final and non-refundable, except where a refund is required by applicable consumer law, or where we choose to grant one — for example, a charge that did not deliver the Bananas or pass you paid for. Contact support@stellarplc.com within 14 days with the transaction reference.
We do not refund partly used passes, unused Bananas, or accounts terminated for breach of these Terms.

9.4 Failed and disputed payments

If a payment is reversed, charged back, or fails after benefits were granted, we may remove the corresponding Bananas or pass and may suspend the account until the balance is settled.

10. Availability

We aim to keep the Service running, but we do not promise uninterrupted or error-free availability. The Service may be unavailable for maintenance, updates, or reasons outside our control, including failures of internet or mobile networks, our AI provider, or our payment provider. Streaks, timed allowances, and pass terms are not extended for downtime unless we say so.

11. Third-party services

The Service relies on third parties, including Google (sign-in), OpenAI (AI), Chapa (payments), and Apple, Google and Expo (distribution and updates). Your use of those services is governed by their own terms and privacy policies. We are not responsible for third-party services, and their unavailability may make parts of the Service unavailable.

12. Privacy

Our Privacy Policy explains what we collect and why, and is incorporated into these Terms by reference.

13. Suspension and termination

By you. You may stop using the Service at any time. To delete your account and data, follow the process in our Privacy Policy. Deletion is permanent and forfeits progress, streaks, unused Bananas, and remaining pass time without refund.

By us. We may suspend or terminate your access, with notice where practicable and immediately where not, if you breach these Terms, if we are required to by law, if your use creates risk or unsustainable cost, or if we discontinue the Service. If we discontinue the Service entirely, we will give reasonable notice and, where required by law, refund the unused portion of a paid term.

Sections 4, 6 (licence survival), 7, 8.2, 14, 15, 16, 17, and 19 survive termination.

14. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and quiet enjoyment.

We do not warrant that the Service will meet your requirements, that AI output will be accurate, that your English will improve by any particular amount, that you will achieve any exam result, or that defects will be corrected.

Some jurisdictions do not allow the exclusion of implied warranties, so some of these exclusions may not apply to you. Nothing in these Terms limits rights you have under mandatory consumer protection law.

15. Limitation of liability

To the maximum extent permitted by law:

We are not liable for indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenue, data, goodwill, or learning progress, however caused and under any theory of liability, even if we have been advised of the possibility.
Our total aggregate liability arising out of or relating to the Service or these Terms is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) 1,000 ETB.

These limits do not apply to liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence, or for fraud.

16. Indemnity

You agree to indemnify and hold harmless Stellar PLC, its officers, employees, and agents from any claim, demand, loss, or expense (including reasonable legal fees) arising from your misuse of the Service, your breach of these Terms, or your violation of any law or third-party right. This section does not apply to consumers where prohibited by applicable law.

17. Governing law and disputes

These Terms are governed by the laws of the Federal Democratic Republic of Ethiopia, without regard to conflict-of-laws rules. The courts of Addis Ababa have exclusive jurisdiction over any dispute, except that if you are a consumer resident elsewhere, you may also bring proceedings in the courts of your country of residence, and you keep the benefit of any mandatory consumer protections of that country.

Before starting formal proceedings, please contact legal@stellarplc.com so we can try to resolve the matter informally.

18. Apple App Store — additional terms

These terms apply to the version of Banana obtained from the Apple App Store and are required by Apple. In the event of a conflict, this section controls for that version.

Parties. These Terms are between you and Stellar PLC only, not with Apple. Stellar PLC, not Apple, is solely responsible for Banana and its content.
Scope of licence. Your licence is a non-transferable licence to use Banana on any Apple-branded device that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, including Family Sharing where applicable.
Maintenance and support. Stellar PLC is solely responsible for maintenance and support. Apple has no obligation whatsoever to furnish any maintenance or support services.
Warranty. In the event of any failure of Banana to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to Banana. Any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty are Stellar PLC's sole responsibility.
Product claims. Stellar PLC, not Apple, is responsible for addressing any claims relating to Banana or your use of it, including product liability claims, failure to conform to legal or regulatory requirements, claims under consumer protection or privacy law, and intellectual property infringement claims.
Intellectual property. In the event of a third-party claim that Banana infringes intellectual property rights, Stellar PLC, not Apple, is solely responsible for the investigation, defence, settlement, and discharge of that claim.
Legal compliance. You represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist supporting", and that you are not on any U.S. Government list of prohibited or restricted parties.
Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce them against you as a third-party beneficiary.
Contact. Questions, complaints, and claims about Banana should be directed to support@stellarplc.com.

19. General

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service.
Changes. We may update these Terms. We will update the "Last updated" date and, for material changes, notify you in the app or by email before they take effect. Continuing to use the Service after a change means you accept the updated Terms. If you do not accept them, stop using the Service and delete your account.
Severability. If a provision is held unenforceable, the rest remains in effect.
No waiver. Our failure to enforce a provision is not a waiver of it.
Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.
Force majeure. Neither party is liable for failure to perform due to events beyond its reasonable control.
Language. These Terms are written in English. Any translation is provided for convenience; the English version governs.

20. Contact

Stellar PLC
Addis Ababa, Ethiopia

Support: support@stellarplc.com
Legal notices: legal@stellarplc.com
Website: https://stellarplc.com