Terms & Conditions

General Terms of Use (GTU)

Effective Date: March 25, 2026

Welcome to the QREDET Adventure!

We are thrilled to have you as part of our community. The QREDET application (hereinafter the “Application”) is passionately edited and operated by QREDET DIGITAL SARL (a Sole Shareholder Limited Liability Company with a capital of 30,000,000 FCFA, based in Abidjan, Cocody II Plateaux Ena K12 Villa 245, RCCM CI-ABJ-03-2024-813-03616).

What you should know: QREDET provides the technology (the mobile interface) to make your daily payments simple, fast, and smooth. To ensure the safety of your money, we rely on the expertise of our financial partner: UNITED BANK FOR AFRICA (UBA) Côte d’Ivoire.

UBA Côte d’Ivoire is a Public Limited Company with a share capital of 20,474,300,000 FCFA, with its head office located in Abidjan Plateau, Boulevard Botreau Roussel, Karhat Building (17 BP 808 Abidjan 17). It is registered with the RCCM under number CI-ABJ-2006-B-4936 and legally operates as a licensed credit institution under license number A0150H. As a leading bank, it operates under the strict supervision of the Central Bank of West African States (BCEAO). With QREDET and UBA, your funds are in good hands!

Article 1: Shall we start with a mutual agreement?

To enjoy our services, we invite you to read through this document. At the bottom of these pages, you will be asked to confirm your agreement by clicking the acceptance button. This small click is essential: it confirms that you have read our operating rules and that we can start our partnership with full confidence

Article 2: A little glossary to stay on the same page

Application: Your QREDET mobile interface (available on iOS and Android).
You (User): That’s you! Whether you are an individual or a professional.
Merchant: A professional user using our “SoftPOS” feature to collect payments made by their customers.
Electronic Wallet: Your electronic money space, managed and secured by UBA, accessible via QREDET.
SoftPOS: Our “magic” technology that turns a smartphone into a contactless payment terminal.

Article 3: Account Creation, Linking, and Security (KYC)

To keep our community safe for everyone, we follow a few verification steps:

3.1 Age Requirement: The service is open to individuals aged 18 and over, with full legal capacity.
3.2 Getting to know you (KYC): Regulations (BCEAO) require us to verify your identity. We will therefore ask for accurate information (valid ID, supporting documents, etc.) to validate your profile.
3.3 Linking your account or card: QREDET is your payment gateway. Once registered, you will link your UBA account or bank card to the Application. This secured “bridge” allows you to carry out your transactions in the blink of an eye.
3.4 Vigilance: For everyone’s safety, we reserve the right to suspend an account if the information provided turns out to be inaccurate or incomplete.

Article 4: Everything you can do with QREDET

Once your profile is ready, a world of simplicity opens up to you:

Contactless Payments: In-store, via NFC (phone, watch) or via QR Code.
Collection (Pros): Use your phone as a payment terminal.
Money Transfers: Send funds to your loved ones (P2P), to UBA accounts, or other banks in the WAEMU zone.
Bill Payments: Electricity, water, subscriptions, or tuition fees, without having to travel.

Article 5: Who does what? (The strength of our duo)

5.1 QREDET’s Role: We are the developers and providers of the application. Our mission is to offer you the best technology possible. Please note that we never touch or store your money.
5.2 UBA’s Role: UBA is the financial heart of the system. This institution acts as your true “vault” by keeping and securing all funds moving through the Application. Specifically, for everything related to your exact balance, the final validation of a transaction, or the banking security of your money, UBA assumes legal and regulatory responsibility. Our teams work hand-in-hand with theirs daily for you!

Article 6: Transparent Pricing and Fees

Downloading QREDET is completely free. For certain specific services (external transfers, pro collections), small technical fees apply. No surprises: everything is detailed in the fee schedule accessible at any time within the Application. We will always inform you in advance of any changes to rates.

Article 7: Errors, Disputes, and Support

Life happens, and we are here to help you manage it:

7.1 Confirmation of Orders: Once you validate a payment (PIN or biometrics), the order is final. Always take a second to double-check the amount!
7.2 Oops, a mistake in the recipient? If you make a mistake, report it quickly in the App! Your request will be forwarded to UBA. Rest assured that everything necessary will be done to try to regularize the situation, depending on the processing status of the operation.
7.3 A problem with a purchase? If a product received is defective, we fully understand your frustration. Since we only manage the payment, the most effective way is to contact the merchant for a refund. But know that we are by your side: we will provide all the necessary payment proofs to support your claim.
7.4 Fraud, Unrecognized Transactions, and Chargebacks: Your security is our priority. If you face an abnormal situation, here is how we protect you with UBA:
- Unrecognized transaction on your account: If you notice a transfer or payment you did not initiate, block your account immediately and contact us. UBA’s expert teams will conduct a thorough investigation. If external fraud is proven (and you have properly protected your secret codes), UBA will apply the regularization procedures provided by regulations.
- SoftPOS Terminal Fraud: If a stolen bank card is used on one of our terminals, UBA will process the cancellation request (chargeback) in accordance with the strict rules of the networks (Visa, Mastercard, GIM-UEMOA) for a transparent resolution.

Protecting our Merchants: We know that abusive chargebacks (bad faith customers) are a concern. In the event of such a dispute, QREDET and UBA will be by your side to provide electronic logs and transaction evidence to help you defend your revenue.

Article 8: Your Role in Security

8.1 Your secrets are precious: Your PIN codes and passwords are personal. Never share them, even with us!
8.2 A healthy phone: Use an up-to-date device and avoid modified (rooted) phones to ensure maximum security.
8.3 In case of loss or theft: Notify us immediately so we can put your account in safety.
8.4 Ethical and Responsible Use: QREDET is a platform of trust. To ensure this never changes, it is strictly forbidden to use the Application for illegal or fraudulent activities. For example, this includes:
- Money laundering or financing criminal activities.
- Using the Application to collect funds from illegal or unauthorized sales.
- Identity theft or creating accounts under false names.
- Any attempt at hacking or technical manipulation of the payment systems.

Article 9: Respecting Your Privacy

Your data is sacred. We treat it with the utmost care, in accordance with Ivorian law (No. 2013-450). It is only used to operate your account and comply with our legal obligations. You naturally retain a full right of access and modification of your information via support@qredet.com.

Article 10: Intellectual Property

The QREDET universe (logo, code, design) is the fruit of our hard work and remains our property. We gladly grant you the right to use it for your personal needs, but its reproduction or modification is prohibited.

Article 11: Availability and Maintenance

11.1. Always here for you: Our core goal is for QREDET to be available 24/7.
11.2. Improving for you (Maintenance): From time to time, we will need to carry out maintenance work to install new features, improve security, or boost the Application’s performance. To avoid bothering you, these interventions will, whenever possible, be carried out during the hours when you are asleep. We will always do our best to notify you in advance via a small notification.
11.3. Force Majeure: If an exceptional event beyond our control occurs (global internet outage, disaster, etc.), we will do the impossible to restore service as quickly as possible, in coordination with UBA.

Article 12: Parting ways? (Account Closure)

You remain free! You can close your account at any time. On our side, we will only suspend an account as a last resort (proven fraud or request from authorities), always in the interest of the community’s security.

Article 13: In case of disagreement

If a problem arises, let’s talk first! Contact us at support@qredet.com. We will almost always find an amicable solution. If we truly remain stuck after 30 days, the courts of Côte d’Ivoire will be competent, under the laws of Côte d’Ivoire.

Last updated: March 25, 2026