Terms of Use

1. Overview of the Service

Wallet-Change is a mobile and web application that allows its users to:

• Store and manage digital change balances (change given back at the point of sale).
• Carry out balance-to-balance money transfers between users of the platform.
• Top up their balance or make withdrawals to their Mobile Money accounts (Orange Money, MTN Mobile Money) through authorized aggregator partners (Campay).

Wallet-Change acts as a software publisher and micro-payment ecosystem operator, and does not constitute a standalone banking institution.

2. Eligibility and Registration

To use Wallet-Change, you must:

• Be at least 18 years old or have parental / legal guardian authorization.
• Reside in or carry out transactions in Cameroon.
• Provide a valid phone number and full name upon registration.
• Be the legitimate holder of the phone number associated with your account.

Each user is responsible for keeping their credentials and account PIN / password confidential. Any transaction made from your account is deemed to have been initiated by you.

3. Top-ups and Withdrawals (Payment Partners)

Top-ups (Collection): Balance top-ups are made from your personal Mobile Money account linked to your Wallet-Change account. For security reasons, top-ups from third-party numbers are not allowed.

Withdrawals (Disbursement): You may request the transfer of all or part of your balance to your registered Mobile Money account. Processing times depend on the availability of telecom operator networks and the services of our aggregator partner (Campay).

4. Pricing and Subscriptions

• Balance checks and internal transfers: Creating an account and receiving change are free.
• Plans and Options: Wallet-Change offers subscription plans (daily or monthly passes, or merchant packages) granting pricing benefits on withdrawals and advanced features.

Applicable pricing tables and fees can be viewed at any time in the application on the transactions screen. Wallet-Change reserves the right to change its pricing, subject to prior notice to users.

5. Acceptable Use and Security

It is strictly forbidden to use Wallet-Change for:

• Illegal, fraudulent or deceptive activities.
• Money laundering or financing of prohibited activities.
• Harassment or sending abusive / unsolicited payment requests.

In the event of suspected fraud or misuse, Wallet-Change reserves the right to temporarily or permanently suspend access to the account concerned and to refer the matter to the competent authorities.

6. Protection of Personal Data

Wallet-Change only collects the data necessary for the proper operation of the service (name, phone number, transaction history). Your data will never be sold to third parties. SMS or electronic notifications are sent solely to confirm your operations and secure your account. For more details, see our Privacy Policy.

7. Limitation of Liability

Wallet-Change makes every effort to ensure service availability 24/7. However, Wallet-Change cannot be held liable for:

• Service interruptions due to telecom network failures (Orange, MTN) or of our technical providers (Campay, Africa's Talking).
• Errors in entering the recipient's number or the amount made by the user during a transfer.

8. Changes to the Terms of Use

Wallet-Change reserves the right to change these Terms of Use at any time. Users will be informed of any update via an in-app notification or by SMS. Continued use of the service after a change constitutes acceptance of the new terms.

9. Contact and Customer Support

For any question, complaint or technical assistance, Wallet-Change customer support can be reached by email: support@walletchange.net.