1. Scope
These conditions apply to cash funding, return or other cash operations expressly enabled for you. Your accepted offer, mandate or confirmation and country provisions identify the operator, authorised locations, limits, fees, nature of the credited amount and repayment responsibility.
Calling an operation a “recharge” or “credit reimbursement” does not determine its regulatory classification.
2. Authorised points and confirmation
Use only an authorised point identified through the service. Before handing over cash, confirm the operation type, account reference, amount, fees and required evidence. Do not provide your password or authentication code to an agent.
The authorised point must issue a verifiable receipt identifying the operation and required provider details. Any personal information must be limited to what is necessary.
Obtain a verifiable receipt with the operation reference, amount, currency, fee, date, point or agent reference and actual status.
3. Funding and return
A cash receipt and an available balance are distinct events unless the service expressly makes them simultaneous. The service must show the actual status and explain an unresolved difference. Do not rely solely on a screenshot presented by another person.
A cash return requires verified entitlement, a supported route and a recorded handover. The confirmed amount and lawful fees must be clear before handover. If the point cannot complete the operation, it must not mark it completed or extinguish the underlying entitlement.
4. Errors and incidents
Report a missing credit, disputed handover, counterfeit concern or incorrect receipt promptly. Retain the reference and lawful evidence. Broco and the relevant operator must investigate within their responsibilities; a missing app entry does not automatically defeat valid evidence of cash receipt.
Investigation and reconciliation follow the applicable mandate, service information and law. A delay must be escalated and communicated. Statutory deadlines and repayment rights take priority.
5. Responsibility and restrictions
An authorised point may refuse an operation that cannot lawfully proceed, including a verification or cash-security issue. Reasons must be explained where permitted. There is no automatic forfeiture of cash received or amounts owed.
Responsibility for authorised agents and custody is determined by the actual mandate and law. These conditions do not exclude Broco's own responsibility or allow an agent to invent fees.
6. Information that applies to your operation
Read these conditions with the Broco Terms of Use — Côte d’Ivoire — Personal. 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.
7. Balances and service-specific rights
Different service interfaces may show available amounts, pending amounts, amounts awaiting deposit or promotional credits. The service information shown to you explains what each amount represents, when it becomes available and the applicable return or redemption procedure.
Funds are held by the financial-service providers involved in the relevant arrangement. The applicable service and mandate conditions define the related rights and responsibilities.
For financial services, your accepted offer, mandate or confirmation identifies the contractual holder of funds or obligation to you, any safeguarding or other protection, and its limits. A displayed currency or account reference does not establish, on its own, an individually held bank deposit or deposit-insurance coverage.
Promotional credits must be distinguished from customer funds. Their use, expiry and cancellation rules must be stated when they are offered. Customer funds must not be reclassified as promotional credits merely to remove repayment obligations.
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.
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.