1. About Broco and these Terms
These Terms of Use govern your access to the Broco platform, including its websites, applications and account interfaces. They are an agreement between you and Broco Technologies, Inc., a corporation incorporated in Delaware, United States, referred to as “Broco”, “we”, “us” or “our”.
Our registered address is 1111B S Governors Avenue, Ste 96387, Dover, DE 19904, United States. You can contact our support team at support@broco.app.
These Terms describe our common platform rules. They must be read together with the specific conditions applicable to your activated services. A Broco profile is not, by itself, a bank account, payment-services licence or authorisation to act on behalf of Broco.
2. Documents applicable to your services
Where another entity contracts directly with you for a service, its applicable conditions govern that contractual relationship. These Terms continue to govern the obligations undertaken by Broco.
Before activation, the conditions, fees and limits applicable to the service must be made available to you. Material information about the provider's role, the nature of your balance, return of funds and applicable protection must be included in the relevant service documents.
The Privacy Policy explains our processing of personal information. Acknowledging that Policy does not provide blanket consent to all processing. Separate choices or consent will be requested where required.
Mandatory legal rights take precedence over conflicting contractual wording.
3. Eligibility and availability
For an individual account, you must be at least 18 and have reached the age required to enter into the applicable contract independently in your jurisdiction. No account for a minor is offered under these Terms.
Access also depends on your country of residence, customer profile, verification status and the eligibility rules of the service. Nationality alone does not establish eligibility. You must give accurate residence and identity information and notify us of changes that affect eligibility.
Not every service is available in every market. A pilot or planned service is available only to users specifically admitted to it under its applicable conditions. A reference in a catalogue does not establish a right to activate that service.
Broco remains responsible for its own eligibility, authorisation and compliance obligations. These Terms do not transfer those obligations to you.
4. Customer profiles
Broco supports the following profile where enabled:
- Personal: individuals using the services for personal purposes.
You may have more than one profile. Each activity must be carried out through the profile and permissions applicable to it. A profile label does not remove rights that you have under applicable law, including protections applicable to certain small businesses.
5. Registration, verification and information updates
You must provide accurate, complete and current information needed for your account and services. Depending on the service and your role, verification may include identity, source of funds and transaction information.
Broco and the entities involved in providing the relevant service may carry out checks within their respective responsibilities. Providing information does not guarantee activation or completion of an operation.
We may request additional information where necessary for a service, a legal obligation or investigation of an account incident. We will explain the request to the extent permitted by law. We will not request your password or authentication code through an unsolicited message.
If information is incomplete or eligibility cannot be established, access to the affected service may be delayed or restricted. Any restriction remains subject to applicable law and the relevant service conditions.
Personal information used in verification is addressed in the Privacy Policy and any service-specific notice.
6. Account security and authorised access
Keep your credentials confidential and use the security controls made available for your account. Do not allow another person to use your individual credentials.
Notify support promptly if you suspect loss of access, compromise or an operation you did not authorise. Use the emergency reporting or blocking mechanism specified for the affected service where one is provided.
The use of credentials or a device is not, by itself, conclusive proof that you authorised a disputed transaction or acted negligently. Responsibilities and remedies will be assessed under the applicable service conditions and law.
7. Acceptable use
You must not use Broco to:
- conduct unlawful activity, fraud, laundering, prohibited financing or activity in breach of applicable sanctions;
- use stolen information, misrepresent identity or authority, or submit false supporting documents;
- evade verification, access controls or transaction limits;
- access another user's information without authority;
- interfere with platform security, manipulate records or introduce malicious software;
- collect funds or provide regulated services without the authority required for that activity;
- conceal the true origin, beneficiary or purpose of a transaction.
Additional restrictions may apply to a particular service, merchant activity or jurisdiction. They must be identified in the relevant service conditions or acceptable-use rules.
Investigations and restrictions must follow the applicable legal and contractual framework. This section is not an unrestricted power to retain customer funds.
8. Services, instructions and transaction information
How to give an instruction, when it is received, the confirmation issued, applicable fees, execution times and the point at which it becomes irrevocable are provided to you in your accepted offer, mandate or confirmation before you confirm an operation.
Review the recipient, amount, currency and transaction details before confirming an instruction. If you identify an error, contact support promptly. Whether an instruction can be cancelled or corrected depends on its stage and the applicable service rules.
A failed or declined instruction does not, by itself, determine who bears a loss. Any debit, refund, fee or correction must be assessed under the relevant conditions and applicable law. We will not treat the involvement of a third party as a blanket exclusion of Broco's own responsibility.
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.
9. 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.
10. 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.
For a conversion service, the confirmation must identify the currencies, applicable rate, Broco charges and the amount or method used to determine the resulting amount. Any third-party fee affecting the operation must be disclosed as required by applicable law.
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.
11. Subscriptions and unpaid payments
Your subscription offer states the price, billing currency, billing period, renewal rules, benefits and cancellation method. A subscription provides only the benefits stated for the selected plan and market.
If a subscription payment remains unpaid when due, we may suspend its additional benefits, subject to applicable law. We will notify you of the failed payment, affected benefits and how to resolve it. If payment remains unpaid for ten calendar days from its due date, the subscription will be downgraded to the eligible Standard/base plan. If that destination requires a new paid subscription, it will not be charged without valid agreement; the unpaid paid-plan subscription ends instead.
Downgrading does not, by itself, forfeit your funds or remove your rights to report fraud, make a complaint or request return of funds under the applicable conditions. Benefits already earned or paid for must be treated according to the subscription conditions and applicable law.
You may cancel using the method stated in your subscription offer. That offer states when cancellation takes effect and how refunds, withdrawal rights and changes of plan are treated.
12. Service interruptions
Access may be interrupted by maintenance, network issues or incidents affecting Broco or the providers involved in a service. We will take reasonable steps within our responsibilities to restore affected platform functions and provide appropriate information about a material incident.
Specific availability commitments, execution times or service levels apply only where set out in the applicable service conditions. An interruption does not remove rights relating to a failed or incorrectly executed operation.
13. Restrictions, suspension and closure
We may restrict the affected account or service where reasonably necessary because of a legal requirement, loss of eligibility, a security incident, suspected misuse or a material breach of the applicable conditions. Measures must be proportionate to the reason and scope of the concern.
We will provide information about a restriction and available next steps to the extent permitted by law. Where an explanation must be withheld, the restriction remains subject to the applicable legal framework.
You may request closure through support or the closure mechanism available for the service. Closure does not cancel pending obligations or erase records that must lawfully be retained. The conditions for outstanding transactions, balances and repayment must be communicated as part of the closure process.
We will not treat a closure request as a waiver of your right to any amount owed to you or to raise a complaint. Dormancy or deletion of an account does not, by itself, forfeit customer funds.
14. 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.
15. 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 Terms 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.
16. Platform content and intellectual property
Broco and its licensors retain rights in the platform, brand and materials they provide. You may use the interfaces and documentation for the services made available to you, subject to the relevant conditions.
Do not copy, sell or misuse protected platform material, or misrepresent affiliation with Broco. This does not restrict use allowed by law or prevent you from keeping records of your transactions and contractual documents.
You retain rights in material you provide. Any permission needed for Broco to handle that material must be limited to providing the service and meeting lawful obligations; it does not grant unrestricted commercial use of personal information.
17. Notices, versions and changes
Contractual notices will be sent through the channels designated for the relevant service. Keep your contact information current. Where law requires a durable record, notices must be provided in a form you can retain and reproduce.
We may update these Terms to address legal changes, service changes or correction of an error. For material changes to ongoing service terms or fees, we will normally give at least two calendar months' notice, or any longer period required by law. A shorter period may be used only where permitted, including a necessary legal or security change. Other mandatory notice periods remain applicable. Any right to reject a change or end the affected agreement must be preserved.
Continued use or silence will be treated as acceptance only where valid under the applicable rules and notice. An updated webpage does not create retrospective acceptance.
A prevailing-language clause may apply only where stated and legally valid; mandatory local-language information is not displaced by a blanket English-precedence rule.
18. Governing law and disputes
These Terms and the Broco platform agreement are governed by the law of Delaware, United States, subject to mandatory rules applicable to your relationship and any valid express national variation. If you are a consumer, this choice does not deprive you of protection or court access that cannot lawfully be waived, including applicable rights in your country of habitual residence. Subject to those rights, the courts in Delaware have non-exclusive jurisdiction. No mandatory arbitration agreement or class-action waiver is imposed by these Terms. Separate financial-service agreements may identify a different governing law for their own scope.
19. General provisions
If a provision cannot lawfully apply, it will have effect only to the extent legally permitted; the remaining provisions continue where the agreement can operate without it. This is not authority to replace an invalid clause with an undisclosed broader obligation.
A failure to enforce a right on one occasion does not automatically waive it. A transfer of this agreement must follow applicable law, required notice and protection of your rights; it must not reduce rights that cannot be waived.
These Terms and the applicable additional conditions govern their stated subjects. They do not remove binding pre-contractual information or mandatory commitments made to you.
For questions about the Broco platform agreement, contact support@broco.app.
20. Personal profile: Scope
Broco Technologies, Inc. provides the platform. Service-specific agreements govern their stated subjects. Personal use does not authorise you to operate as an agent, collect money for unrelated persons as a business, or offer regulated services.
21. Personal profile: Eligibility and use
You must act in your own identity, meet the applicable age and residence requirements and use services only within your eligibility. A Personal profile is for your personal purposes. To conduct an enabled professional activity, use the appropriate Pro or Business profile and obtain the relevant permissions.
Do not disclose your credentials or ask another person to transact through your profile. You may assist someone in contacting support without impersonating them or accessing their account unlawfully.
22. Personal profile: Available services
The catalogue may include Account & Wallet, Money Transfers, Cash Services, Broco Pay, Cards, FX, Bills & Digital Services and Subscriptions. Only services enabled for your residence and profile are available. Their specific conditions, fees, limits and required provider information must be supplied before activation.
An interface currency is not a promise that you hold an individual bank deposit or that every currency can be converted. Local and global service balances must remain identifiable.
23. Personal profile: Transactions and subscriptions
Review the amount, currency, recipient and fees before confirming. Contact support promptly about an error, unrecognised operation or loss of access. Credentials used in an operation do not automatically resolve a dispute about authorisation.
You may cancel an optional subscription under its conditions. Cancellation or loss of subscription benefits does not remove rights to your funds, complaints or urgent blocking functions.
24. Personal profile: Consumer protections and closure
Mandatory information, withdrawal, cancellation, refund and dispute rights apply where their legal conditions are met. These conditions do not impose a blanket waiver of them. A provider's involvement does not remove Broco's responsibility for its own obligations.
You may request closure through support. Pending transactions, lawful restrictions and return of amounts owed are handled under the applicable service conditions. Closure does not forfeit a balance.
Contact: support@broco.app. Applicable country and service complaint routes remain available.