Legal notice

1. Publisher

TrustChange Pay is a solution developed and operated by TrustChange SARL, a limited liability company incorporated under Cameroonian law and governed by the OHADA Uniform Acts. The TrustChange Pay platform, available at pay.trustchange.fr and in the mobile app, is published and operated by:

• Company name: TrustChange SARL
• Legal form: limited liability company (SARL) under OHADA law
• Registered office: 659 rue Centrale à gaz, Douala, Cameroun
• Trade and personal property register (RCCM): CM-DLA-01-2025-B12-00673
• Taxpayer identification number (NIU): M052517752342Q
• Tax acronym: TCX
• Contact: contact@trustchange.fr
• Publication director: the manager of TrustChange SARL

TrustChange Pay is not a separate legal entity: it is the name of the application and the brand under which TrustChange SARL provides its services. TrustChange SARL operates the website and the application, and is the customer's sole contracting party: any commitment made in the name of "TrustChange Pay" is made by TrustChange SARL.

2. Regulatory status

TrustChange SARL is a technical service and software provider. It is neither a credit institution nor a payment institution licensed by COBAC or BEAC, and it does not issue electronic money. It is not a bank.

Mobile Money transactions (collections and payouts) are executed by the operators and licensed aggregators of their respective countries; their name is not disclosed to the customer, who deals only with the operator of its choice. The TrustChange wallet is an internal electronic wallet denominated in CFA francs: it is neither a bank deposit nor a bank account. The "TC…" reference shown in it is an internal identifier for transfers between users, not a bank IBAN.

Crypto assets are not legal tender and are not backed by any State. In its buy and sell operations, TrustChange SARL acts as the counterparty: the price displayed is the price at which it buys or sells the asset, and it changes continuously. The risk of capital loss is borne by the customer.

TrustChange voluntarily applies an anti-money laundering and counter-terrorist financing policy, described in the AML/CFT policy, under the authority of a compliance officer appointed by Management.

3. Hosting

Microsoft Azure (websites and back office), in the European Union.

All communications with the platform are encrypted (HTTPS/TLS). Identity documents are kept in an access-restricted area that is never publicly exposed.

4. Intellectual property

The TrustChange trademark, logos, interface, documentation, source code and all website and application content are the exclusive property of TrustChange SARL or its licensors. Any reproduction, representation, adaptation or extraction, in whole or in part, without prior written consent is prohibited and constitutes infringement.

The trademarks and logos of Mobile Money operators, blockchains and partners displayed on the platform belong to their respective owners and are used only to identify the available payment methods and networks.

5. Personal data and cookies

The processing of personal data, including identity verification data, and the use of cookies and local storage are described in the privacy policy. Account and data deletion is requested from the Delete my data page, also reachable at pay.trustchange.fr/delete-account, or by email to contact@trustchange.fr.

6. Reporting abuse

To report fraud, a customer engaged in a prohibited activity, a security vulnerability or unlawful content, write to contact@trustchange.fr with the subject "Report". Every report is reviewed and escalated to the compliance officer when it concerns money laundering or terrorist financing.

7. Governing law

This legal notice is governed by Cameroonian law and, where applicable, the OHADA Uniform Acts. Any dispute falls within the jurisdiction of the competent courts of Douala, subject to mandatory consumer protection rules.