Zmarty: educație financiară

Zmarty teaches teens how to manage money — for real, not from a textbook.

WHAT THE APP DOES
Zmarty is a learning journey in small steps. A lesson lasts a few minutes and ends with exercises that tell you right away if you understood — no grades, no percentages, no embarrassing rankings. Mistakes don't penalize you: you can try again at any time, and the result retains your best version.

WHAT YOU LEARN
• The difference between needs, wants, and savings
• How a budget works and why it breaks
• Digital money: cards, online payments, spikes, and how to recognize them
• ​​Interest: how it works for you when you save and against you when you borrow
• How to read a contract before you sign it

ZMARTY CITY
In addition to the lessons, you have a simulation city with a fictitious economy, "Zmarty Coins". You work, put money in the bank, open a business, buy and rent. Nothing here costs real money and nothing can be bought with real money. The economy is completely deterministic — there is no luck, dice or betting. Coins are earned by learning: if you don’t go through new lessons, work no longer produces income.

MY ROOM
A diary in which you can write down your pocket money: what you receive, what you spend, what you put aside. The teacher and classmates don’t see what you write down. The section is turned off by default: it doesn’t open from a check mark in the application, but is activated separately, for each account.

FOR THE CLASSROOM
The teacher creates a class and distributes a code (or a QR). Students enter with that code, and the teacher sees how the class is going — at the group level, not the individual response of each child. At the end, a certificate can be generated.

WHAT ZMARTY DOESN’T DO
• No ads. Not at all.
• No in-app purchases.
• No ad tracking and no data sales.
• No third-party behavioral analytics libraries.
• We do not ask for your child's real name, address or phone number.

DATA AND PRIVACY
The data is stored on servers in the European Union. You choose an account name yourself — it does not have to be your real name. The email is optional and is only used for password recovery. You can delete your account and everything you've done, from the app, at any time.

Privacy Policy: https://zmarty.ro/legal/confidentialitate.html
Support: https://zmarty.ro/legal/suport.html