1. Scope and eligibility
These conditions apply to a transfer expressly enabled for your residence, profile, origin, destination and currency. They supplement the Broco Terms of Use — Côte d’Ivoire — Business and the relevant provider agreement. A supported destination does not establish that every origin or direction is available.
Any available status remains subject to the supported origin, destination, currency and individual eligibility; it does not promise every corridor.
Your accepted offer, mandate or confirmation identifies the executing provider, Broco's role, fees, limits, expected execution, cancellation rules and complaints. You must have lawful authority over the source and provide accurate recipient and purpose information.
2. Confirmation and execution
Before confirmation, the interface must show the debit amount and currency, recipient, fees, any conversion terms, destination amount or method of determination, and the expected delivery route and time. A quote is valid only for its stated period.
An instruction proceeds when the required funding, verification and acceptance steps are satisfied. Its receipt and irrevocability are determined by the applicable transfer rules. Materially changed terms require renewed confirmation rather than silent execution on a different quote.
Checks or destination requirements may affect execution. Information about delay must be given where permitted; a generic reference to third parties does not remove responsibility for an obligation actually undertaken.
If another institution may deduct a charge whose exact amount is not known, that possibility must be explained before confirmation; it must not be presented as a guaranteed net receipt.
3. Cancellation, failure and recall
Request cancellation promptly through support or an available control. Cancellation is possible only while the instruction can lawfully be revoked. After that point, a recall may be attempted where supported; successful recovery cannot be guaranteed.
If a transfer fails, the relevant agreement determines return of funds and treatment of fees, with mandatory rights preserved. Broco must explain any deduction attributable to its own fee. Costs of a lawful recall must be disclosed before you accept them, unless another lawful rule applies.
Wrong-recipient, unauthorised or incorrectly executed operations must be investigated under the applicable framework. Evidence of login does not automatically prove authorisation. There is no blanket requirement that you bear every error or fraud loss.
4. Status, receipts and complaints
The receipt must identify the transfer and information required for the relevant service. A “pending” status does not mean that the recipient can use the funds. The platform must distinguish submitted, accepted, completed, failed and returned states appropriate to the actual process.
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. Fees and currency conversion
Applicable fees, pricing currency, taxes where relevant and transaction limits must be made available before you subscribe to a service or confirm an operation. Country-specific pricing may differ from a global marketing example.
Changes to fees must follow the notice and termination rules applicable to the service. Posting a new price on a webpage does not, on its own, replace a required contractual notice.
7. Services, instructions and transaction information
Information about a recipient or source of funds may be required before an operation proceeds. Such a requirement does not authorise disclosure of sensitive investigation information where disclosure is prohibited.
8. 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.
9. 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.
10. 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.