These terms and conditions for the use of the KONOOM Mobile Money service are established by KONOOM Mobile Money, a public limited company registered in CHAD, with a capital of 500,000,000 FCFA, headquartered in N’Djaména, Avenue Charles de Gaulle (building opposite BSIC), registered with the RCCM under number TD-NDJ-01-2025-B14-00004, and with Tax Identification Number (NIF) 9053965 R.
These terms and conditions govern the opening and use of the KONOOM Mobile Money service, which allows account holders to conduct financial transactions via mobile phones across Chad.
By accepting (manually or electronically) the subscription form, the user enters into a contract with KONOOM Mobile Money, of which these terms and conditions form an integral part.
Acceptance: Approval of KONOOM Mobile Money’s terms and conditions, recorded in writing (including electronically).
Acceptor: Any individual or business (merchant or non-merchant) holding a KONOOM Mobile Money account and authorized to receive electronic money in exchange for goods/services.
KONOOM Ecosystem Actor: All participants involved in the KONOOM Mobile Money service.
KONOOM Mobile Money Agent: Authorized distributors or sales points providing services such as deposits, withdrawals, and transfers.
KONOOM Mobile Money: The brand offering mobile financial services (MFS) in Chad.
PIN (Personal Identification Number): A secret 4-digit code securing the account.
Default PIN: Initial PIN (0000) sent via SMS upon account activation/recovery.
Payment Account: A non-bank account used for executing payment services under CEMAC regulations.
General Terms: The contractual agreement between the user and KONOOM S.A.
Distributor: Entities authorized by KONOOM S.A. to distribute electronic money.
Payment Institution: KONOOM S.A., the licensed electronic payment provider.
Subscription Form: Document collecting user data and acceptance of terms.
IBAN (International Banking Account Number): A 27-character alphanumeric identifier for each account.
Electronic Money (KONOOM Mobile Money): Digital value stored electronically, representing a claim on KONOOM S.A.
Secret Word: User-defined password for PIN recovery.
Alternate Number: A secondary phone number for PIN reset (not used for transactions).
KONOOM Mobile Money Account Number: Either the linked mobile number (MSISDN) or the assigned IBAN.
Payment Order: User instruction to execute a transaction via USSD (*179#) or the KONOOM app.
Valid ID: Government-issued identification document.
PEP (Politically Exposed Persons): Individuals holding (or having held) prominent public roles.
KONOOM Mobile Money Service: Payment services via mobile phones.
KONOOM S.A. System: The technological platform supporting the service.
Pricing: Published fee structure for services, subject to updates.
Account Holder: The identified owner of a KONOOM Mobile Money account.
Transaction: Any service use resulting in a credit/debit on the account.
Account User: Any person using the service, not necessarily the account holder.
3.1 Any KONOOM mobile number holder (individual or legal entity) may apply.
3.2 Accounts can be opened at authorized KONOOM agents (stores, kiosks, distributors).
3.3 Required documents:
For individuals: Valid ID (or guardian’s ID for minors).
For legal entities: Corporate documents (statutes, RCCM extract, legal representative’s ID).
Active mobile number under the applicant’s name (or explicit authorization if using another’s number).
3.4 KONOOM S.A. reserves the right to reject applications (e.g., incomplete/incorrect data, regulatory/judicial bans, PEP status).
3.5 Upon approval, users receive an SMS confirmation with their IBAN.
3.6 Users must activate their account via *179#, set a PIN, and optionally a security question and alternate number for recovery.
4.1 A payment account storing electronic money for transactions.
4.2 Compliance with Chadian/Economic Community regulations (anti-money laundering, counter-terrorism financing, etc.).
4.3 No overdrafts allowed (except where regulated).
4.4 KONOOM S.A. may deduct fees automatically; insufficient funds cancel transactions.
4.5 Accounts are frozen upon the user’s death (until succession procedures).
4.6 Account statements are accessible via mobile, app, or customer service.
4.7 Inactive accounts (12+ months) may be closed after prior notice.
5.1 Proof of ownership: Account statement/SMS balance confirmation.
5.2 Represents an unsecured claim on KONOOM S.A.
5.3 No interest accrues on balances.
5.4–5.6 Transaction/deposit limits apply per regulations.
5.7 Maximum 5 accounts per user.
5.8 Funds are available immediately after deposit.
5.9 Usable within the KONOOM ecosystem via authorized payment orders.
5.10 No expiry date; redeemable at any time.
5.11 No fees for redemption (except necessary processing costs).
5.12 KONOOM S.A. ensures secure storage/processing per technical/regulatory standards.
6.1 Governed by these terms.
6.2–6.3 KONOOM S.A. ensures service accessibility/continuity.
6.4 Users must report lost/stolen SIMs immediately via:
Hotline (1290)
Email: secretariat@konoom.td
KONOOM stores
Written letter
6.5 Users must follow official communications (SMS, social media, press releases).
6.6 Personal data may be shared with regulators/partners for fraud prevention/compliance.
6.7 Access adheres to KONOOM’s policies and local laws.
6.8 Transaction history is retained for security/operational purposes.
7.1 Debits require PIN authorization; written proof may be requested.
7.2 Permitted transactions align with CEMAC payment services regulations.
7.3 Irreversible payments after execution. Failed transactions (invalid recipient) are refunded in 48 hours. Erroneous transfers require beneficiary validation for reversal.
7.4 PIN use = user consent, unless:
Account block requested (lost/stolen PIN/phone).
7.5 KONOOM S.A. is not liable for third-party fulfillment (e.g., agent liquidity).
7.6 Transaction confirmations are sent via SMS (no-reply).
7.7 System records are deemed accurate unless disproven.
8.1 KONOOM S.A. may suspend/close accounts without notice if:
Fraud/criminal activity is suspected.
Terms are violated.
User faces legal/regulatory sanctions.
Force majeure events occur.
8.2 Accounts may also close upon:
User request.
Mobile number termination.
Death (after succession).
8.3 Balances are refunded (minus fees) upon closure.
8.4 No liability for pre-notification transactions.
9.1 Published fees apply (available at agents/website).
9.2 Fees are auto-deducted.
9.3 Periodic charges may apply for payment instruments.
9.4 Prices include VAT/other applicable taxes.
10.1 Secured by user-defined PIN (changeable anytime). Recovery requires secret word/alternate number.
10.2 Users are solely responsible for PIN/phone security.
10.3 Never share PIN/secret word (even with KONOOM staff).
10.4 Forgotten PIN: Reset via customer service (1290) with ID verification.
10.5 Default PIN (0000) is sent for reinitialization.
11.1 Pay applicable fees.
11.2 Responsible for all account/PIN use.
11.3 No illegal use of the service.
11.4 Notify KONOOM S.A. of personal data changes.
11.5 Return erroneous deposits.
12.1 Funds are held in a segregated account per regulations.
12.2 Interest earned covers operational costs (no user entitlement).
13.1 Collected data is processed per Chadian law for service management.
13.2 Shared with regulators/partners for legal/compliance purposes.
13.3 Users may access/correct/delete data (requests processed in 15 days).
13.4 Opt-in for marketing communications.
13.5 Anonymized data may be used for market research.
14.1 Terms/pricing may change with 30 days’ notice (website/agents).
14.2 Silence = acceptance. Rejection allows KONOOM S.A. to terminate the contract.
15.1 No liability for mobile number changes (balance transfer/refund applies).
15.2 Not liable for third-party actions (e.g., agents/acceptors).
15.3 Responsible for distributor/sub-distributor compliance.
15.4 Exempt for network/device failures beyond its control.
15.5 Only liable for direct damages caused by its fault.
15.6 Users must verify transaction details (no liability for errors).
15.7 Not liable for beneficiary disputes over amounts.
16.1 Users cannot transfer rights/obligations.
16.2 KONOOM S.A. may subcontract services (remains accountable).
16.3 Non-enforcement ≠ waiver of rights.
16.4 Contract rights are cumulative with legal rights.
16.5 Invalid clauses do not void remaining terms.
16.6 Transaction limits are published at stores/website.
17.1 KONOOM S.A. communicates via SMS/written notices.
17.2 User notifications must be sent via:
Hotline (1290)
Email: secretariat@konoom.td
KONOOM stores
Written letter
17.3 Users must update contact details promptly.
18.1 Indefinite-term contract, terminable by either party with 10 days’ written notice.
19.1 Users reimburse KONOOM S.A. for collection costs.
19.2 KONOOM S.A.’s signed certificate is prima facie evidence of dues.
19.3 Users may modify/delete their data.
19.4 Data is retained for 10 years post-account closure.
19.5 All intellectual property rights belong to KONOOM S.A.
20.1 Chadian law applies.
20.2 Disputes are resolved amicably; unresolved issues go to Chadian courts.
The undersigned user acknowledges reading and accepting these terms in full without reservation.
For KONOOM S.A.:
[Signature]
For the Client:
[Signature – Individual/Legal Entity]
© 2025 Konoom All rights reserved.
