1. Scope and issuer agreement
These conditions cover Broco's platform functions for a card expressly available to you. The issuer's applicable agreement must identify the card issuer, card type, funding mechanism, eligible residences, fees, limits and financial responsibilities. These conditions do not replace that agreement.
A country selector or global marketing description does not guarantee card eligibility. Card type, physical or virtual availability, currencies, networks and supported transactions are determined by the actual offer presented before activation.
Your card information identifies the issuer and contractual roles, card type, eligible residence, supported currencies, permitted uses, spending and cash limits, fees and the relevant urgent blocking channel. Physical-card delivery, replacement, ATM access and network coverage apply only when included in that offer.
2. Use and authorisation
Use the card only for lawful permitted transactions. Protect card details and authentication controls. Do not disclose a one-time code or allow an unauthorised person to use the card.
An authorisation may temporarily affect available funds before final settlement. The issuer rules must explain holds, release, merchant adjustments, recurring transactions and any offline operation. A declined transaction does not necessarily release every pending hold immediately.
3. Charges and conversion
Fees must be disclosed before acceptance of the card service and as required for individual operations. Where currency conversion is involved, the relevant provider's method, markup and other applicable charges must be identified.
A merchant or terminal may offer its own conversion. That offer must not be presented as Broco's rate. ATM charges imposed separately must be distinguished from Broco or issuer fees.
4. Loss, blocking and disputes
Report suspected compromise, loss or an unrecognised transaction immediately through the card's available blocking control and designated contact. If the platform is inaccessible, use the urgent issuer route supplied in the card information. A support email alone must not be represented as a verified round-the-clock blocking channel.
Unauthorised, incorrectly executed or merchant-disputed transactions must follow the applicable issuer and legal process. A chargeback may be available under network rules but is not a promise of recovery in every case. Mandatory rights must not be made dependent on having a paid subscription.
5. Suspension and closure
Restrictions and card termination must follow the issuer agreement and law. Terminating a card does not forfeit a repayable balance. Pending authorisations, refunds and recurring payments must be addressed under the relevant rules. You should separately cancel an underlying merchant subscription where needed.
Contact for Broco's own card-interface functions: support@broco.app.
6. Information that applies to your operation
Read these conditions with the Broco Terms of Use — Senegal — 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. 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.
8. 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.
9. Senegal: 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.