1. Service and contractual documents
Broco Technologies, Inc. provides the interface and the functions allocated to it in your accepted offer, mandate or confirmation. These conditions supplement the Broco Terms of Use — Côte d’Ivoire — Business.
Funds are held by the financial-service providers involved under the relevant service arrangement. This statement identifies the declared holding role; the applicable agreement determines the customer's claim, repayment obligation and actual protection.
Before activation, your accepted offer, mandate or confirmation must state the financial service actually provided, the provider's contractual role, eligible residence, available currencies, limits, fees and the nature of the balance. It must identify the entity owing repayment and the protections, exclusions and complaint route applicable to that obligation.
A virtual account reference or an amount expressed in a currency does not, by itself, create an individual bank deposit. This document does not promise deposit insurance, protection against all losses or a particular legal classification of a balance.
2. Balances and funding
The interface must distinguish available amounts, pending amounts, cash awaiting deposit and promotional credits. Funding must use a supported method and lawful source. The reference, amount and any fee must be confirmed through the relevant method.
An amount is available only after the funding conditions and checks applicable to the method are completed. A pending entry or screenshot is not proof of final receipt. Errors in balances must be investigated and corrected with an explanation and record of any adjustment.
3. Use and limits
You may use a balance only for enabled operations under the service conditions. A transfer, payment, conversion, withdrawal or redemption function is not included unless expressly available to you. Limits may depend on verification and applicable rules and must be disclosed before an affected operation.
Do not use an account to hold or transfer money for unrelated persons as an unauthorised business. Do not treat promotional value as interchangeable with amounts repayable to you.
Before an operation, check the amount, currency, destination or beneficiary, fee and status conditions.
Internal transfers between Broco users are included only where expressly enabled and are subject to their own eligibility and transaction confirmation. A balance does not automatically carry transfer, conversion or cash-return rights outside its applicable arrangement.
4. Restrictions and return of amounts
A restriction must have a lawful and contractual basis. Broco or the relevant provider will explain next steps to the extent permitted. A restriction does not extinguish an amount owed to you.
On closure or a valid return request, the relevant debtor must process the amount owed through a supported lawful route after necessary reconciliation. Mandatory refund deadlines take priority.
5. Information that applies to your operation
Your accepted offer, mandate or transaction confirmation supplies the variable commercial details for the operation. Those details must be available before you commit; a general reference to this page does not replace information required at that point.
Only the functions expressly enabled for you are included. Published catalogue content does not establish availability. Changes to accepted terms remain subject to the applicable notice and other mandatory requirements; updating a screen is not, by itself, consent to a material change.
6. Complaints and disputed operations
You can contact support@broco.app with a complaint about Broco. Describe the service, relevant transaction reference and issue; do not send passwords or authentication codes.
Where another provider is responsible for a part of the service, your accepted offer, mandate or confirmation explains the complaint route and escalation available. This does not remove your ability to complain about Broco's own acts or omissions.
Complaints are handled within the deadlines required by applicable law and by any mandatory provider process. Any extension must be lawfully permitted and explained. Complaint handling does not replace a statutory remedy. Urgent procedures, required provider deadlines and external dispute-resolution bodies are identified in the applicable service information for your jurisdiction.
You do not have to complete an internal process where applicable law permits direct access to an authority or court. Contractual complaint procedures do not shorten mandatory limitation or notification periods.
7. Responsibility and remedies
Broco is responsible for performing its own contractual obligations. Where a service is provided by another entity, your accepted offer, mandate or confirmation identifies each party's responsibilities. Another entity's involvement does not remove responsibility that applicable law places on Broco, including for acts or omissions attributable to Broco.
Nothing in these conditions excludes or restricts liability or remedies that cannot lawfully be excluded or restricted. This includes mandatory rights applicable to unauthorised or incorrectly executed transactions where the relevant legal regime provides them.
A security incident, incorrect recipient information or breach of a user obligation will be assessed on the facts and under the applicable law. It is not an automatic basis to reject every claim.
Where a separate Business agreement includes a limitation of liability or indemnity, it must identify its scope and exceptions and preserve any rights that cannot be waived.
8. Côte d’Ivoire: Local service rules
The enabled offer may be narrower than the global catalogue. A payment service falling within the UMOA framework must provide the applicable provider, intermediary, pricing, contract and receipt information. Any customer responsibility of the relevant provider for a mandated intermediary remains applicable. Cross-border routes and currencies must be identified before activation; these country provisions do not authorise unrestricted foreign exchange.